Level of knowledge and use of digital payment methods in Paraguay

Abstract

Society is immersed in the digital world and the use of digital payment methods has made it possible to boost electronic commerce. In Paraguay, outside of large cities, paying in cash continues to be the most used, due to the lack of digital education among the inhabitants; Although, it is expected that this situation will be reversed, and digital payment methods will prevail. The methodology had a quantitative, descriptive, non-experimental and cross-sectional approach, a structured survey was used; and the data obtained were processed in an electronic spreadsheet and SPSS. The convenience sample is made up of 724 Paraguayan citizens from all the departments of the country. Through the study, the following could be identified: There is a heterogeneous perception about digital payment methods; 46.5% use digital payment methods; 60.2% of those who use digital payment methods have digital banking; 70.8% of digital payment methods are used to pay for water, electricity and telephone services; 83.6% of digital payment methods are used to make payments or transfers; 23.5% of those surveyed made purchases online. Furthermore, it was confirmed that there is no significant relationship between sex, age, income level, studies completed or place of residence and the use of digital payment methods. But there is a significant relationship between the level of income, place of residence and studies completed with the degree of trust in digital payment methods.