Más allá de TAM y UTAUT: Reconfiguración de la adopción Fintech a través de los principios de Edgar Morin
Keywords:
Fintech adoption, Digital finances, Complexity theory, Edgar Morin, UTAUT2 Model
Abstract
This article analyzes the adoption of financial technologies in the informal economies of Mexico and Latin America, challenging the limitations of traditional linear causality models such as TAM and UTAUT. Using a methodology of theoretical synthesis and conceptual transposition, the determinants of adoption are reinterpreted in light of the principles of Edgar Morin’s complex thought: dialogical, recursive, and holographic. The results show that adoption is not a passive or symmetrical act, but rather an emergent and cybernetic process. Dialogism reveals the tension between algorithmic agility and distrust of banks; recursivity highlights coevolution and “gaming” tactics between users and algorithms; and the hologramatic principle demonstrates that individual microtransactions reflect the entirety of the financial system. The study concludes with recommendations for adaptive regulation and platform design oriented toward financial well-being.
adaptive regulation and platform design oriented toward financial well-being.
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References
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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
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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
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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
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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
Received:
2026-09-30
Published:
2026-10-01
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How to Cite
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. Iberoamerican Journal of Complexity and Economics Sciences, 4(3), 95-113. Retrieved from https://revistas.ulasalle.edu.pe/ricce/article/view/397
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