"Beyond Functional Engineering: Influence of Consumer Values on Digital Wallet Adoption for User-Centered Design, [Más allá de la Ingeniería Funcional: Influencia de los Valores del Consumidor en la Adopción de Billeteras Digitales para un Diseño Centrado en el Usuario]"

Abstract

"The use of digital wallets has expanded as an efficient solution for payments and transfers, nevertheless, their adoption faces barriers that extend beyond functional and engineering aspects. This study analyzes how consumption values influence adoption intention and the perception of security in the use of digital wallets. The theoretical framework employs conditional, emotional, epistemic, functional, and social values from Sheth's theory of value. An between-groups experimental design is used, with five manipulated conditions based on consumption values, implemented through digital wallet advertising stimuli. The findings highlight the need for technological design and digital innovation to integrate human and contextual dimensions to achieve effective adoption of digital financial ecosystems. © 2026 Latin American and Caribbean Consortium of Engineering Institutions. All rights reserved."