**5. Digital challenges in emerging economies: How to benefit the low-income consumers?**

Thus far, scientific literature aligns with the theoretical frameworks employed to study technological adoption. Although the impact of these model variables may vary depending on the study context, user profiles, and platform under investigation, there is ample evidence to infer the relevance of the factors influencing the acceptance and usage of new technologies. However, the disparities in the digital transformation's impact between emerging and developed economies prompt crucial reflections on the future research agenda to generate a more significant effect on the most disadvantaged sectors within emerging economies.

Bringing well-being to the poorest sectors of Latin America and the Caribbean through technology is not a solitary endeavor; it requires the collaborative efforts of both the public and private sectors. The success of such initiatives largely depends on building an ecosystem that provides the necessary infrastructure and accessible services to meet the needs of this population. Work collaboratively to establish complementary commitments and investments for the most precarious sectors, such as health and education, especially to promote inclusive digital learning, prioritizing marginalized groups.

Universities and their researchers play a crucial role in achieving the synergies necessary to take technology adoption to another level in underserved populations. Historically, they have fostered dialog between the government and the private sector. The new digital economy has shown that geographical borders are no longer an obstacle, and the main benefit of new technologies lies in generating cross-border solutions. In this regard, Latin America has an advantage since Spanish is the predominant language in almost all countries, unlike Europe and other regions. However, the disadvantages in health and education and the limitations in human, economic, and technical resources are a shared challenge in the area.

It is imperative that academic research, as highlighted by existing literature reviews, transitions towards a more collaborative model that focuses on crosscultural, longitudinal investigations, mainly targeting groups whose findings can translate into significant social impact. By adopting this approach, researchers can better understand the complexities and dynamics of technological adoption in diverse contexts, identify patterns and trends over time, and uncover insights that contribute to developing effective strategies for promoting and maximizing the social benefits of technology adoption in emerging economies.

Moreover, future research opportunities and implications must transcend the limitations section of publications and serve as a foundation for practical actions that contribute to the region's progress. This requires aligning the research agenda on technological adoption with regional strategic plans for digital development, aiming to generate knowledge with practical implications. Significantly, emphasizing the synergy and collaboration between academia and strategic plans also enhances the sustainability of research by facilitating re-source mobilization for universities. By forging these connections, universities can secure the necessary funding and support to sustain their research endeavors, ultimately fostering long-term progress and positive societal impact in technological use in the low-income sector.

Finally, based on the recommendations of [1, 3, 5, 88, 90, 93] the following proposals are put forth to contribute to a more digital and inclusive region. These proposals draw from the collective knowledge and expertise of these organizations and scholarly sources, aiming to address the challenges and opportunities in technological adoption in Low- income consumers within emerging economies. In addition, these proposals aim to foster a comprehensive approach encompassing policy frameworks, infrastructure development, capacity-building initiatives, and inclusive digital literacy programs by synthesizing insights from diverse stakeholders. Through these concerted efforts, the vision of a digitally empowered and inclusive region can be realized, fostering sustainable development and equitable access to the benefits of technology for all.
