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Mentalidad de escasez y su asociación positiva con el uso de servicios financieros alternativos

George Rooney1, Cäzilia Loibl1

  • 1Department of Human Sciences, The Ohio State University, Columbus, Ohio, United States of America.

PloS one
|February 20, 2026
PubMed
Resumen

La mentalidad de escasez, la sensación de falta de recursos, está relacionada con el uso de servicios financieros alternativos. Esta conexión se mantiene en todos los niveles de ingresos, lo que resalta su importancia en el comportamiento financiero.

Palabras clave:
mentalidad de escasezservicios financieros alternativoscomportamiento financieropsicología financieraeconomía conductual

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Área de la Ciencia:

  • Economía Conductual
  • Psicología Financiera

Sus antecedentes:

  • La mentalidad de escasez, caracterizada por una percepción de falta de recursos, puede influir en la toma de decisiones.
  • Si bien puede ayudar a satisfacer las necesidades inmediatas, también puede llevar a pasar por alto otras áreas.
  • Comprender su impacto en la utilización de servicios financieros es crucial.

Objetivo del estudio:

  • Investigar la asociación entre la mentalidad de escasez y el uso de servicios financieros alternativos (AFS).
  • Determinar si esta asociación persiste independientemente de los predictores conocidos de AFS.
  • Examinar si la relación varía entre los diferentes niveles de ingresos familiares.

Principales métodos:

  • Se utilizaron datos del Estudio Nacional de Capacidad Financiera de FINRA de 2021 (N=24,349).
  • Se emplearon análisis de regresión logística binaria para evaluar la relación.
  • Se controlaron los predictores establecidos del uso de AFS y los factores sociodemográficos.

Principales resultados:

  • Una mayor mentalidad de escasez se asoció significativamente de forma positiva con el uso de servicios financieros alternativos.
  • Esta asociación se mantuvo significativa después de controlar otros predictores y variables sociodemográficas.
  • La mentalidad de escasez predijo el uso de AFS en todos los grupos de ingresos, incluidos los individuos de altos ingresos.

Conclusiones:

  • La mentalidad de escasez es un predictor significativo del uso de servicios financieros alternativos, independientemente de los ingresos familiares.
  • Los hallazgos sugieren la necesidad de considerar el impacto psicológico de la escasez en las elecciones financieras.
  • Las implicaciones se extienden a la evaluación del papel de la mentalidad de escasez en productos financieros emergentes como las aplicaciones fintech.