Uso de plataforma de pago digital y su impacto en el flujo de caja

This study examines the impact of digital payment platforms on the cash flow of small and medium-sized enterprises (SMEs) in Juliaca, Peru. Using a quantitative, cross-sectional correlational design, the relationship between the adoption of tools like Yape, Plin, and Mercado Pago and three key dimen...

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Autores principales: Moreno Leyva, Nelly Rosario, Mamani Condori, Lilian Gisela, Tito Mamani, Ruth Roxana
Formato: Artículo
Lenguaje:español
Publicado: 2026
Materias:
Payment
Cash flow
Database transaction
Business
Cash
Sample (material)
Control (management)
Welfare economics
Key (lock)
Net income
Transaction data
Operating cash flow
Cash management
Economics
Finance
Actuarial science
Accounting
Financial transaction
FinTech
Transaction cost
Mobile payment
Payment system
Social Sciences Economics, Econometrics and Finance Economics and Econometrics Business, Innovation, and Economy
Social Sciences Business, Management and Accounting Accounting Business, Education, Mathematics Research
Social Sciences Social Sciences Communication Communication and COVID-19 Impact
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Sumario:This study examines the impact of digital payment platforms on the cash flow of small and medium-sized enterprises (SMEs) in Juliaca, Peru. Using a quantitative, cross-sectional correlational design, the relationship between the adoption of tools like Yape, Plin, and Mercado Pago and three key dimensions was evaluated: income variation, payment control, and cash flow management efficiency. A random sample of 50 SMEs was analyzed. Results revealed significant positive correlations between digital platform usage and improvements in cash flow (r = 0.796; p < 0.01), income variation (r = 0.776; p < 0.01), payment control (r = 0.728; p < 0.01), and management efficiency (r = 0.688; p < 0.01). The findings suggest that these tools enhance financial planning, reduce transaction errors, and increase liquidity, supporting financial stability in complex economic environments.

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