Más allá de TAM y UTAUT: Reconfiguración de la adopción Fintech a través de los principios de Edgar Morin
Palabras clave:
Adopción Fintech, Finanzas digitales, Pensamiento complejo, Edgar Morin, Modelo UTAUT2
Resumen
Este artículo analiza la adopción de tecnologías financieras en las economías informales de México y Latinoamérica, cuestionando las limitaciones de los modelos de causalidad lineal tradicionales como TAM y UTAUT. Mediante una metodología de síntesis teórica y transposición conceptual, se reinterpretan los factores determinantes de la adopción bajo los principios del pensamiento complejo de Edgar Morin: dialógico, recursivo u hologramático. Los resultados muestran que la adopción no es un acto pasivo o simétrico, sino un proceso emergente y cibernético. La dialógica revela la tensión entre la agilidad algorítmica y la desconfianza bancaria; la recursividad evidencia la coevolución y tácticas de gaming entre usuario y algoritmo; y el principio hologramático demuestra que la microtransacción individual refleja la totalidad del sistema financiero. Se concluye con recomendaciones para una regulación adaptativa y un diseño de plataformas orientado al bienestar financiero.
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Al-Sharafi, M. A., Muhammed, I., Alzaeemi, S., & Albashrawi, M. A. (2025). Factors shaping FinTech adoption: A systematic review, key determinants, theoretical insights, conceptual framework and future research directions. Information Discovery and Delivery. https://doi.org/10.1108/IDD-04-2025-0098
Altaytas, K. M. (2025). From financial inclusion to indebtedness: How FinTech transforms credit access and household financial practices in Buenos Aires, Argentina. Finance and Society, 11, 103–122. https://doi.org/10.1017/fas.2024.22
Altaytas, K. M. (2026). FinTech as a state-orchestrated strategy: Redefining financialization of households in Argentina. New Political Economy, 31(2), 326–346. https://doi.org/10.1080/13563467.2025.2572050
Álvarez, J. P. (2024). Radiografía del crédito en México, Argentina, Colombia: temor a endeudarse dificulta el acceso. Bloomberg Línea. https://www.bloomberglinea.com/latinoamerica/argentina/radiografia-del-credito-en-mexico-argentina-colombia-temor-a-endeudarse-dificulta-el-acceso/
Balasundaram, E. (2026). Trust as a cybernetic medium in digital financial inclusion: a multi-level framework. Kybernetes, Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/K-05-2026-1169
Baptista, G., & Oliveira, T. (2016). A weight and a meta-analysis on mobile banking acceptance research. Computers in Human Behavior, 63, 480–489. https://doi.org/10.1016/j.chb.2016.05.074
Bommer, W. H., Rana, S., & Milevoj, E. (2022). A meta-analysis of eWallet adoption using the UTAUT model. International Journal of Bank Marketing, 40(7), 1326–1352. https://doi.org/10.1108/IJBM-06-2021-0258
Chioda, L., Gertler, P., Higgins, S., & Medina, P. C. (2025). FinTech lending to borrowers with no credit history (NBER Working Paper No. w33208). National Bureau of Economic Research. https://doi.org/10.3386/w33208
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. Management Information Systems Quarterly, 13(3), 319. https://doi.org/10.2307/249008
Endahti, L., & Faturahman, M. S. (2026). System Dynamics Modelling of FinTech Innovation Diffusion, Digital Economy Feedback Loops, and Regulatory Scenarios. Fintech Innovation Journal, 1(3), 263–285. https://doi.org/10.63913/ftij.v1i3.14
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Firmansyah, E. A., Masri, M., Anshari, M., & Besar, M. H. A. (2023). Factors Affecting Fintech Adoption: A Systematic Literature Review. FinTech, 2(1), 21–33. https://doi.org/10.3390/fintech2010002
Gabor, D., & Brooks, S. (2017). The digital revolution in financial inclusion: International development in the fintech era. New Political Economy, 22(4), 423–436. https://doi.org/10.1080/13563467.2017.1259298
Gonzales, S., Santos, L., & Villanueva, A. (2025). Fintech for inclusion or exclusion? The impact of digital credit scoring algorithms on access to finance for the urban poor. Journal of Social Science Utilizing Technology, 3(6), 310–321. https://doi.org/10.70177/jssut.v3i6.2906
Gorjian, M. (2025). Complexity theory in sustainable urban development: A systematic review of adaptive governance, computational models, and resilience frameworks. Preprints.org. https://doi.org/10.20944/preprints202508.1000
Huarng, K.-H., & Yu, T. H.-K. (2022). Causal complexity analysis for fintech adoption at the country level. Journal of Business Research, 153, 228–234. https://doi.org/10.1016/j.jbusres.2022.08.030
Ibragimov, A., Yarkulova, M., Ibragimov, A., Yakubov, M., Akhmedov, O., Nurmanov, U., & Ismailov, A. (2026). Fintech adoption in uzbekistan and its implications for financial inclusion. Moliya va Bank Ishi Jurnali, 10–21. https://journal.bfa.uz/index.php/bfaj/article/view/523
Instituto Nacional de Estadística y Geografía [INEGI]. (2025a). Encuesta Nacional sobre Disponibilidad y Uso de Tecnologías de la Información en los Hogares (ENDUTIH) 2024. https://www.inegi.org.mx/programas/endutih/2024/
Instituto Nacional de Estadística y Geografía [INEGI]. (2025b). Encuesta Nacional de Inclusión Financiera. https://www.inegi.org.mx/programas/enif/2024/
Jadil, Y., Rana, N. P., & Dwivedi, Y. K. (2021). A meta-analysis of the UTAUT model in the mobile banking literature: The moderating role of sample size and culture. Journal of Business Research, 132, 354–372. https://doi.org/10.1016/j.jbusres.2021.04.052
Jorm, C., & Roberts, C. (2018). Using complexity theory to guide medical school evaluations. Academic Medicine, 93(3), 399–405. https://doi.org/10.1097/ACM.0000000000001828
Klapper, L., Singer, D., Starita, L., & Norris, A. (2025). The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy. Washington, DC: World Bank. https://doi.org/10.1596/978-1-4648-2204-9
Kurnia, D., Hidayah, N., & Siringoringo, H. (2024). A systematic literature review of electronic money research. International Journal of Electronic Commerce Studies, 15(1), 1–28. https://doi.org/10.7903/ijecs.2299
Maguey, H. (2018). El colapso financiero del 2008. Global Revista. https://unamglobal.unam.mx/el-colapso-financiero-del-2008/
Morin, E. (1990). Introducción al pensamiento complejo. Editorial Gedisa.
Noboa, A. (2018). Pensamiento sistémico, complejidad y ciencias sociales: Las bases epistemológicas de las metodologías participativas. De Prácticas y Discursos, 7(9), 9–37. http://dx.doi.org/10.30972/dpd.792799
Ortiz Reynada, E., & Carraro, M. (2020). Fintech’s unfulfilled promise: why many Mexicans remain excluded. Catalyst Fund. https://bfaglobal.com/catalyst-fund/insights/fintech-unfulfilled-promise-many-mexicans-remain-excluded/
Cortez, P. (2026). Fintech y modernización financiera: desafíos y oportunidades del nuevo paradigma. Revista Social Fronteriza, 6(1), e1035. https://doi.org/10.59814/resofro.2026.6(1)1035
Silva, S. (2025). Cómo las Fintech latinoamericanas descifraron el código de la confianza. Landonware. https://ladonware.com/como-las-fintech-latinoamericanas-descifraron-el-codigo-de-la-confianza/
Tapi. (2024). Desconfianza en sistema bancario, barrera para el Fintech en México. Revista Factor de Éxito. https://www.revistafactordeexito.com/posts/41899/desconfianza-en-sistema-bancario-barrera-para-el-fintech-en-mexico
Venkatesh, V., & Davis, F. D. (1996). A model of the antecedents of perceived ease of use: Development and test. Decision Sciences, 27, 451–481. https://doi.org/10.1111/j.1540-5915.1996.tb00860.x
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540
Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157–178. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2002388
Woodside, A. G. (2014). Embrace–perform–model: Complexity theory, contrarian case analysis, and multiple realities. Journal of Business Research, 67(12), 2495–2503. https://doi.org/10.1016/j.jbusres.2014.07.006
Wu, P.-L., Yeh, S.-S., Huan, T.-C., & Woodside, A. G. (2014). Applying complexity theory to deepen service dominant logic: Configural analysis of customer experience-and-outcome assessments of professional services for personal transformations. Journal of Business Research, 67(8), 1647–1670. https://doi.org/10.1016/j.jbusres.2014.03.012
Al-Sharafi, M. A., Muhammed, I., Alzaeemi, S., & Albashrawi, M. A. (2025). Factors shaping FinTech adoption: A systematic review, key determinants, theoretical insights, conceptual framework and future research directions. Information Discovery and Delivery. https://doi.org/10.1108/IDD-04-2025-0098
Altaytas, K. M. (2025). From financial inclusion to indebtedness: How FinTech transforms credit access and household financial practices in Buenos Aires, Argentina. Finance and Society, 11, 103–122. https://doi.org/10.1017/fas.2024.22
Altaytas, K. M. (2026). FinTech as a state-orchestrated strategy: Redefining financialization of households in Argentina. New Political Economy, 31(2), 326–346. https://doi.org/10.1080/13563467.2025.2572050
Álvarez, J. P. (2024). Radiografía del crédito en México, Argentina, Colombia: temor a endeudarse dificulta el acceso. Bloomberg Línea. https://www.bloomberglinea.com/latinoamerica/argentina/radiografia-del-credito-en-mexico-argentina-colombia-temor-a-endeudarse-dificulta-el-acceso/
Balasundaram, E. (2026). Trust as a cybernetic medium in digital financial inclusion: a multi-level framework. Kybernetes, Vol. ahead-of-print No. ahead-of-print. https://doi.org/10.1108/K-05-2026-1169
Baptista, G., & Oliveira, T. (2016). A weight and a meta-analysis on mobile banking acceptance research. Computers in Human Behavior, 63, 480–489. https://doi.org/10.1016/j.chb.2016.05.074
Bommer, W. H., Rana, S., & Milevoj, E. (2022). A meta-analysis of eWallet adoption using the UTAUT model. International Journal of Bank Marketing, 40(7), 1326–1352. https://doi.org/10.1108/IJBM-06-2021-0258
Chioda, L., Gertler, P., Higgins, S., & Medina, P. C. (2025). FinTech lending to borrowers with no credit history (NBER Working Paper No. w33208). National Bureau of Economic Research. https://doi.org/10.3386/w33208
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. Management Information Systems Quarterly, 13(3), 319. https://doi.org/10.2307/249008
Endahti, L., & Faturahman, M. S. (2026). System Dynamics Modelling of FinTech Innovation Diffusion, Digital Economy Feedback Loops, and Regulatory Scenarios. Fintech Innovation Journal, 1(3), 263–285. https://doi.org/10.63913/ftij.v1i3.14
Finnovista. (2026). Finnovista Fintech Radar México. https://www.finnosummit.com/wp-content/uploads/2026/02/Finnovista_Fintech_Radar_Mexico_2026.pdf?_hsenc=p2ANqtz-9qDoc_gZeE4RyZ1Y4vJf7XxG8XBOiBaZsjgUnNfAZCZ19SdhlTeK_DOK7MbeA_sNXn41LS7-ox4FfQE4qXEJbZx3PbjwTGPPPYbBOzoUh2ITFD4g4&_hsmi=404321722
Firmansyah, E. A., Masri, M., Anshari, M., & Besar, M. H. A. (2023). Factors Affecting Fintech Adoption: A Systematic Literature Review. FinTech, 2(1), 21–33. https://doi.org/10.3390/fintech2010002
Gabor, D., & Brooks, S. (2017). The digital revolution in financial inclusion: International development in the fintech era. New Political Economy, 22(4), 423–436. https://doi.org/10.1080/13563467.2017.1259298
Gonzales, S., Santos, L., & Villanueva, A. (2025). Fintech for inclusion or exclusion? The impact of digital credit scoring algorithms on access to finance for the urban poor. Journal of Social Science Utilizing Technology, 3(6), 310–321. https://doi.org/10.70177/jssut.v3i6.2906
Gorjian, M. (2025). Complexity theory in sustainable urban development: A systematic review of adaptive governance, computational models, and resilience frameworks. Preprints.org. https://doi.org/10.20944/preprints202508.1000
Huarng, K.-H., & Yu, T. H.-K. (2022). Causal complexity analysis for fintech adoption at the country level. Journal of Business Research, 153, 228–234. https://doi.org/10.1016/j.jbusres.2022.08.030
Ibragimov, A., Yarkulova, M., Ibragimov, A., Yakubov, M., Akhmedov, O., Nurmanov, U., & Ismailov, A. (2026). Fintech adoption in uzbekistan and its implications for financial inclusion. Moliya va Bank Ishi Jurnali, 10–21. https://journal.bfa.uz/index.php/bfaj/article/view/523
Instituto Nacional de Estadística y Geografía [INEGI]. (2025a). Encuesta Nacional sobre Disponibilidad y Uso de Tecnologías de la Información en los Hogares (ENDUTIH) 2024. https://www.inegi.org.mx/programas/endutih/2024/
Instituto Nacional de Estadística y Geografía [INEGI]. (2025b). Encuesta Nacional de Inclusión Financiera. https://www.inegi.org.mx/programas/enif/2024/
Jadil, Y., Rana, N. P., & Dwivedi, Y. K. (2021). A meta-analysis of the UTAUT model in the mobile banking literature: The moderating role of sample size and culture. Journal of Business Research, 132, 354–372. https://doi.org/10.1016/j.jbusres.2021.04.052
Jorm, C., & Roberts, C. (2018). Using complexity theory to guide medical school evaluations. Academic Medicine, 93(3), 399–405. https://doi.org/10.1097/ACM.0000000000001828
Klapper, L., Singer, D., Starita, L., & Norris, A. (2025). The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy. Washington, DC: World Bank. https://doi.org/10.1596/978-1-4648-2204-9
Kurnia, D., Hidayah, N., & Siringoringo, H. (2024). A systematic literature review of electronic money research. International Journal of Electronic Commerce Studies, 15(1), 1–28. https://doi.org/10.7903/ijecs.2299
Maguey, H. (2018). El colapso financiero del 2008. Global Revista. https://unamglobal.unam.mx/el-colapso-financiero-del-2008/
Morin, E. (1990). Introducción al pensamiento complejo. Editorial Gedisa.
Noboa, A. (2018). Pensamiento sistémico, complejidad y ciencias sociales: Las bases epistemológicas de las metodologías participativas. De Prácticas y Discursos, 7(9), 9–37. http://dx.doi.org/10.30972/dpd.792799
Ortiz Reynada, E., & Carraro, M. (2020). Fintech’s unfulfilled promise: why many Mexicans remain excluded. Catalyst Fund. https://bfaglobal.com/catalyst-fund/insights/fintech-unfulfilled-promise-many-mexicans-remain-excluded/
Cortez, P. (2026). Fintech y modernización financiera: desafíos y oportunidades del nuevo paradigma. Revista Social Fronteriza, 6(1), e1035. https://doi.org/10.59814/resofro.2026.6(1)1035
Silva, S. (2025). Cómo las Fintech latinoamericanas descifraron el código de la confianza. Landonware. https://ladonware.com/como-las-fintech-latinoamericanas-descifraron-el-codigo-de-la-confianza/
Tapi. (2024). Desconfianza en sistema bancario, barrera para el Fintech en México. Revista Factor de Éxito. https://www.revistafactordeexito.com/posts/41899/desconfianza-en-sistema-bancario-barrera-para-el-fintech-en-mexico
Venkatesh, V., & Davis, F. D. (1996). A model of the antecedents of perceived ease of use: Development and test. Decision Sciences, 27, 451–481. https://doi.org/10.1111/j.1540-5915.1996.tb00860.x
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540
Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157–178. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2002388
Woodside, A. G. (2014). Embrace–perform–model: Complexity theory, contrarian case analysis, and multiple realities. Journal of Business Research, 67(12), 2495–2503. https://doi.org/10.1016/j.jbusres.2014.07.006
Wu, P.-L., Yeh, S.-S., Huan, T.-C., & Woodside, A. G. (2014). Applying complexity theory to deepen service dominant logic: Configural analysis of customer experience-and-outcome assessments of professional services for personal transformations. Journal of Business Research, 67(8), 1647–1670. https://doi.org/10.1016/j.jbusres.2014.03.012
Recibido:
2026-09-30
Publicado:
2026-10-01
Cómo citar
Torres Reynoso, G. T., & Ramos Higuera, K. G. (2026). Más allá de TAM y UTAUT: Reconfiguración de la adopción Fintech a través de los principios de Edgar Morin. Revista Iberoamericana De Complejidad Y Ciencias Económicas, 4(3), 95-113. Recuperado a partir de https://revistas.ulasalle.edu.pe/ricce/article/view/397
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