Análisis de la incidencia de los canales de los servicios financieros en el comportamiento de la bancarización en Ecuador. Periodo 2014 - 2018.

Abstract

There is a need to analyze factors that facilitate the understanding of the use that people give to electronic banking and thus be able to draw conclusions for future strategies, in order to give people the opportunity to access banking services on their own. , anywhere and anytime, through the different banking platforms. In this sense, the objective of this research work was to analyze the incidence of financial services channels in the growth of bank penetration in Ecuador in the 20142018 period. For this, the following results were obtained: it was determined that there is a wide set of knowledge that provides solid foundations regarding banking, mentioning several theories that are relevant to address the issue raised in this research paper. Based on the evaluation of the incidence presented by electronic channels in relation to the increase in bank penetration, determined under the application of an economic model that the coefficients of the aspects evaluated yielded a negative result, in relation to ATMs, it was determined that the banking rate has decreased by 0.36%, on the other hand with respect to the specific channels on the internet, a decrease of 0.39% is stipulated, additionally the aspect of services in the office of negative values, but in turn these do not were recent.