Determinantes multidimensionales de la intención de pago en créditos Fintech México: Un Modelo explicativo multifactorial

Introduction: The rapid growth of Fintech has facilitated access to credit, but it also poses challenges for evaluating repayment behavior. The viability of this sector depends on anticipating such behavior. This study analyzes what leads users to repay their loans, considering aspects beyond purely financial factors. Objective: To historically evaluate how factors such as Financial Education, app experience, transparency, trust, fairness, and moral obligation influence repayment intention among Mexican Fintech users. Method: A historiographic approach was used to review quantitative results from various correlational studies. Historical data from active debtors were analyzed, using validated scales to assess the six variables mentioned and their predictive capacity. Conclusion: Repayment intention is a complex phenomenon that depends on a combination of cognitive, technological, and ethical elements. Fintech companies should not focus solely on usability, but also on these relational and trust-related aspects.