Análisis de la evolución de los corresponsales no bancarios y el efecto sobre su desempeño comercial.

Abstract

This research work aims to analyze the evolution ofNon-Banking Correspondents business model and the effect on their commercial performance in the city of Guayaquil. The system of Non-Banking Correspondents Banco de Barrio, Banco del Pacifico and Banco Pichincha with their projects Banco del Barrio, Tu Banco Aquí and Mi Vecino respectively, have allowed private banks to reduce costs generated by maintenance many banking agencies to cover the demand of users who make use of the different financial services that these entities offer. In this work, the Hypothetical-Deductive method has been used by proposing hypotheses, which through the development of this work can be refuted or approved. Likewise, the research carriedout was an exploratory analysis by taking information samples from the administrators of non-banking correspondents within the city of Guayaquil, using the tools such as the questionnaire for questions for the surveys and the interview with the administrators of these CNB. The results obtained from this study show that the commercial performance of the users who have joined to the CNB projects implemented by the private bankingsector has been positively affected and that the correspondents claim to have an increase in sales and customer inflow since its implementation.