Análisis de la implementación de nuevas tecnologías para mejorar la gestión financiera de las cooperativas de ahorro y crédito.

Abstract

The present work aims to design a proposal for the implementation of new technological tools that can be implemented by the savings and loans cooperatives of the different segments of the financial institutions of the Popular and Solidarity Economy. The methodology used was explicative and descriptive, using secondary information sources, interviews and surveys as the main information gathering resources. The first stage of the work was emphasized in knowing about the reality of savings and loans cooperatives and their digitization process in Ecuador, in addition to knowing the main trends in financial digitization worldwide. In the second stage, the characterization of the La Dolorosa savings and loan cooperative was carried out, an entity that is beginning its digital transformation. Through interviews with the president of the cooperative, with a digital transformation specialist and employee surveys, it was possible to determine the relevance of this type of action in cooperatives. The third stage, the proposal of digital actions for cooperatives was developed, which includes issues of digital culture, digital marketing, website optimization, implementation of new software, wallet or mobile applications and digital classroom for users. At the end of the study, it was concluded that all digital implementations in these types of institutions will be reflected in a better service for their clients, automation of processes, customer loyalty and greater competitiveness in the market.