Uso de plataforma de pago digital y su impacto en el flujo de caja

This study examines the impact of digital payment platforms on the cash flow of small and medium-sized enterprises (SMEs) in Juliaca, Peru. Using a quantitative, cross-sectional correlational design, the relationship between the adoption of tools like Yape, Plin, and Mercado Pago and three key dimensions was evaluated: income variation, payment control, and cash flow management efficiency. A random sample of 50 SMEs was analyzed. Results revealed significant positive correlations between digital platform usage and improvements in cash flow (r = 0.796; p < 0.01), income variation (r = 0.776; p < 0.01), payment control (r = 0.728; p < 0.01), and management efficiency (r = 0.688; p < 0.01). The findings suggest that these tools enhance financial planning, reduce transaction errors, and increase liquidity, supporting financial stability in complex economic environments.