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En los últimos años, los consumidores, especialmente los jóvenes con habilidades en el uso de tecnologías de la información y la comunicación, han mostrado un creciente interés por las plataformas de intercambio en línea. La rápida adopción de estas plataformas por parte de los jóvenes, junto con el aumento de las inversiones financieras y su potencial innovador, subraya la importancia de estudiar este fenómeno. Sin embargo, existe una notable escasez de estudios cualitativos y cuantitativos que exploren las motivaciones para participar, las cuales son fundamentales para comprender el comportamiento de los usuarios. Este estudio tiene como objetivo identificar las razones por las cuales los estudiantes universitarios participan en plataformas de intercambio en línea y examinar cómo estas motivaciones influyen en su intención de participar. Se espera que los resultados contribuyan al desarrollo de plataformas más accesibles y centradas en el usuario. Se realizó un estudio cualitativo, con entrevistas semi-estructuradas, para descubrir los factores que influyen en la participación, seguido de la propuesta de un modelo conceptual basado en estos hallazgos. Para poner a prueba las hipótesis y validar el modelo se utilizó el Modelado de Ecuaciones Estructurales. El análisis reveló una compatibilidad entre el modelo y los datos, confirmándose la mayoría de las hipótesis. Los resultados indican que los beneficios económicos, la interacción social, la confianza en los comentarios y valoraciones, y la sostenibilidad incrementan significativamente la intención de participar.

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