Los medios de pagos electrónicos y su efecto en la oferta monetaria en una economía dolarizada periodo 2010- mayo 2020.

Abstract

The presence of dollarization stabilized prices, with low inflation rates, but susceptibility to oil prices, which currently have deepened a financial crisis that is covered exclusively with state debt, compared to the specific objective of analyzing the incidence of electronic means of payment and their effect on the money supply and the demand for cash in a dollarized economy in the period 2000-2019, reports from the Central Bank were taken to correlate the behavior of each variable, obtaining a result favorable to the hypothesis null, where the uses of electronic channels explain the behavior of demand and supply on a monetary basis, since a part managed by private banks is part of their component. However, it was concluded that despite the alternative of banking all productive activities to channel savings balances in the financial system in the form of credits, it is necessary for financial products to be supported, because the risk of channeling resources between loans with related companies of the banks, create a fictitious yield, in addition to that an alternative to develop the economy of Ecuador is the diversification of its exports, because the added value would help to be more competitive and the argument of prices due to devaluation of neighboring countries it would be without effect.