Examinando por Materia "Sesgo de statu guo"

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    Percepción del riesgo financiero, sesgos cognitivos e incertidumbre política en la adopción de la banca digital un estudio en adultos de Medellín
    (Universidad EAFIT, 2025-11-14) Cruz Prado, Arturo; Montoya Vanegas, Miguel Ángel; Echeverri Álvarez, Jonathan
    Study conducted with banked older adults in Medellín (50–75 years old) that analyzed how the perception of financial risk and cognitive biases are articulated with political uncertainty in the adoption of digital banking as opposed to traditional banking. A conservative–adaptive pattern was evidenced, operationalized as a high and sustained intention to use digital banking for routine operations, with low-to-moderate and situational perceived risk that activates security thresholds and pathways in response to signals of ambiguity. The biases (status quo, loss aversion, availability) do not block adoption but modulate its pace, favoring a phased incorporation. Political–economic uncertainty moderates expansion, especially in higher-value transactions, without reversing everyday use. The study integrates these dimensions into a coherent framework that delineates the conditions under which digitalization progresses in this age group and suggests directions for future methodological deepening