Uso de billeteras digitales y gastos personales en estudiantes de Ingeniería Ambiental
Digital Wallet Use and Personal Expenditure among Environmental Engineering StudentsBarra lateral del artículo
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Introducción: La transformación digital y las billeteras digitales han modificado los hábitos de pago y consumo. Objetivo: Determinar la relación entre el uso de billeteras digitales y los gastos personales en estudiantes de Ingeniería Ambiental de la Universidad Peruana Unión. Método: Estudio cuantitativo, no experimental, transversal y correlacional, de tipo censal, con 198 estudiantes. Se aplicó un cuestionario Likert de 33 ítems: 21 de billeteras digitales y 12 de gastos personales. Se estimó alfa de Cronbach y Rho de Spearman. Resultados: La validez de contenido fue revisada mediante juicio de dos expertos y la consistencia interna alcanzó valores alfa de Cronbach de .982 para uso de billeteras digitales y .968 para gastos personales. El análisis con Rho de Spearman mostró una asociación positiva y estadísticamente significativa entre ambas variables (ρ=.833; p<.001). También se encontraron asociaciones con los gastos de subsistencia (ρ=.821), académicos (ρ=.753) y discrecionales (ρ=.792), todas con p<.001. Conclusiones: Existe una asociación fuerte entre ambas variables, sin poder inferir causalidad.
Introduction: Digital transformation and digital wallets have reshaped payment and consumption habits. Objective: To determine the relationship between digital wallet use and personal expenditure among Environmental Engineering students at Universidad Peruana Unión. Method: A quantitative, non-experimental, cross-sectional, correlational census study was conducted with 198 students. A 33-item Likert-scale questionnaire was administered, comprising 21 items on digital wallets and 12 items on personal expenditure. Cronbach's alpha and Spearman's rho were estimated. Results: Content validity was assessed through the judgment of two experts, while internal consistency yielded Cronbach's alpha coefficients of .982 for digital wallet use and .968 for personal expenditure. Spearman's rho analysis showed a positive and statistically significant association between the two variables (ρ=.833; p<.001). Associations were also identified with subsistence expenditure (ρ=.821), academic expenditure (ρ=.753), and discretionary expenditure (ρ=.792), all with p<.001. Conclusions: A strong association exists between the two variables; however, causality cannot be inferred.
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