Impacto financiero del dinero electrónico en la economía ecuatoriana : una evaluación de la operación banca.

Abstract

The topic of the financial impact of electronic money on the Ecuadorian economy is addressed due to the challenges of expansion that exist in managing debits and credits through savings and checking accounts, and credit cards. The objective is to determine the financial impact on the Ecuadorian economy when electronic money is used in the market for goods and services through banking. The methodology encompasses a qualitative and quantitative approach, establishing a correlational, non-experimental, exploratory, and descriptive study. The main data collection instruments are observation, interviews, and surveys. The data obtained will allow for a clear analysis framework through the SWOT analysis, which proposes expansion to facilitate capital circulation among banks, companies, microbusinesses, and the general public. In conclusion, the use of electronic money is a tool that supports and motivates commercial transactions, enabling economic revitalization and the restructuring of taxes reflected in the management of platforms related to the financial system.