La innovación tecnológica en los bancos privados de la ciudad de Guayaquil y su relación con las preferencias del cliente.

Abstract

The present research work aims to analyze if the technological innovations implemented in the banking services offered by the private banks of the city of Guayaquil influence the client's preference, in addition to identifying what other services the user of financial services require to manage in a better way their resources. The general objective has been achieved thanks to the results obtained by the measuring instrument used for the collection of information; the search of theories related to the evolution of banking and its services, applying quantitative and qualitative research approaches. The use of methodologies began with the study of the ways that the user access to electronic financial services such as mobile banking or online banking. It can be concluded by the results that technological innovation influences customer preferences. the implementation of advanced technology persuades the population because it provides greater ease and speed in transactions, greater data security, deposits and, in general, better service and that, in the future as a result of the advancement of technologies and the massification of social networks, many bank offices will be removed.