Determinantes para el uso de medios de pagos electrónicos o digitales en la población del cantón Loja durante el año 2023

Abstract

The main objective of this research work is to know what are the determinants for the use of electronic payment methods in the population over 18 years of age in the city of Loja during the year 2023, since there are factors that motivate the use, among them general are the access to the financial system of the population that is linked to financial inclusion, the technological infrastructure that the areas have (urban and rural), as well as the acceptance by businesses of electronic means of payment in their transactions; and, in the particular area, the socioeconomic characteristics of the population such as the area of residence, age, income, levels of digital and financial education, the perception that people have of the benefits provided by these alternative payments to the traditional ones that are related to the safety, comfort, costs/benefits. To achieve the stated objectives, qualitative and quantitative information was collected through the survey as an instrument for collecting information applied to a sample of the target population and thus obtaining a Logit probability model.