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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| Formato: | Artículo |
| Lenguaje: | español |
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2026
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| _version_ | 1881508837735792640 |
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| author | Moreno Leyva, Nelly Rosario Mamani Condori, Lilian Gisela Tito Mamani, Ruth Roxana Moreno Leyva, Nelly Rosario |
| author_browse | Mamani Condori, Lilian Gisela Moreno Leyva, Nelly Rosario Tito Mamani, Ruth Roxana |
| author_facet | Moreno Leyva, Nelly Rosario Mamani Condori, Lilian Gisela Tito Mamani, Ruth Roxana Moreno Leyva, Nelly Rosario |
| author_sort | Moreno Leyva, Nelly Rosario |
| collection | Producción científica |
| description | 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. |
| format | Article |
| id | oai:cris.upeu.edu.pe:20.500.15037/1072 |
| institution | UPeU |
| language | Spanish |
| publishDate | 2026 |
| publishDateRange | 2026 |
| publishDateSort | 2026 |
| record_format | dspace |
| spelling | oai:cris.upeu.edu.pe:20.500.15037/10722026-10-30T16:15:10ZUso de plataforma de pago digital y su impacto en el flujo de cajaMoreno Leyva, Nelly RosarioMamani Condori, Lilian GiselaTito Mamani, Ruth RoxanaMoreno Leyva, Nelly RosarioPaymentCash flowDatabase transactionBusinessCashSample (material)Control (management)Welfare economicsKey (lock)Net incomeTransaction dataOperating cash flowCash managementEconomicsFinanceActuarial scienceAccountingFinancial transactionFinTechTransaction costMobile paymentPayment systemSocial Sciences Economics, Econometrics and Finance Economics and Econometrics Business, Innovation, and EconomySocial Sciences Business, Management and Accounting Accounting Business, Education, Mathematics ResearchSocial Sciences Social Sciences Communication Communication and COVID-19 ImpactThis 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.Articlehttps://doi.org/10.29019/58qfee2910.29019/58qfee29https://hdl.handle.net/20.500.15037/1072W7117974046esEconomía y Negocios2602-80502026-01-062026-06-13T09:45:24Z2026-06-13T09:45:24Z |
| spellingShingle | 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 Moreno Leyva, Nelly Rosario Mamani Condori, Lilian Gisela Tito Mamani, Ruth Roxana Moreno Leyva, Nelly Rosario Uso de plataforma de pago digital y su impacto en el flujo de caja |
| title | Uso de plataforma de pago digital y su impacto en el flujo de caja |
| title_full | Uso de plataforma de pago digital y su impacto en el flujo de caja |
| title_fullStr | Uso de plataforma de pago digital y su impacto en el flujo de caja |
| title_full_unstemmed | Uso de plataforma de pago digital y su impacto en el flujo de caja |
| title_short | Uso de plataforma de pago digital y su impacto en el flujo de caja |
| title_sort | uso de plataforma de pago digital y su impacto en el flujo de caja |
| topic | 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 |
| topic_facet | 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 |
| url | https://doi.org/10.29019/58qfee29 https://hdl.handle.net/20.500.15037/1072 |
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