Análisis socioeconómico de la recarga digital en dólares como medio de pago impulsado por el Banco Central del Ecuador, perspectiva y contingente
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2015-12
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Universidad de Guayaquil Facultad de Ciencias Económicas
Resumen
El análisis socio económico de la recarga digital como medio de pago impulsado por el Banco Central del Ecuador, refleja un tema que hasta el momento resulta limitado y de poco interés en la población ecuatoriana, debido a que no existe la acogida necesaria para que las actividades comerciales se establezcan con una opción de llevar dinero para cualquier tipo de trámite comercial o pago, esquiva a la cultura de ciudadanos que tan solo observan perspectiva de cambio el entregar un producto a cambio del dólar físico y palpable, sin embargo el objetivo de la investigación abarca el análisis económico del país y las perspectivas de liquidez y circulación de la moneda en el contingente comercial. La metodología empleada abarca un estudio sistemático a través de encuesta en donde se manifiesta la necesidad o no del dinero electrónico, siendo base fundamental en el desarrollo de una nueva moneda que permita que las transacciones se multipliquen con el solo hecho de recargar y transferir valores con el celular, esto implica la optimización de los recursos, el ahorro de mantenimiento y circulación de una moneda dólar totalmente alquilada. El proyecto de recarga de dinero en el celular, abarca una comodidad pero no un hecho monetario de confianza, simplemente el proyecto es un preámbulo de acciones tecnológicas no aplicable en un realidad monetaria que no existe en el Ecuador, sin embargo los ciudadanos ven al dólar como única acción de cambio en el país, y las monedas de menor denominación como un instrumento de cambio amplio y de poco análisis por su parecido a las misma monedas estadounidense, pero es ecuatoriana sin nombre o representación alguna. En conclusión no existe una identidad monetaria que permita decir que somos capaces de maniobrar una moneda propia en base a la eficiencia y productividad de nuestros recursos.
The socio economic analysis about the use of electronic currency stored in cellular phones launched by the Ecuadorian Central Bank allows concluding that this topic has resulted limited and of no interest in Ecuadorian population. This is consequence of the lack of support and trust in the market to operate with an intangible currency that contrast with the trade culture of exchanging a good or service for a tangible United States dollar. The objective of this research is focused on the economic analysis of the country and the liquidity and currency circulation perspective within the commercial environment. The methodology employed involved a systematic research using a survey to find the market willingness to use an electronic currency. The responses gathered through this survey allowed to evaluate the feasibility of issuing this new currency that will contribute to the optimization of trade as money can be transferred easily through a cellular phone yielding to a faster circulation of currency and the costs of holding a no currency that Ecuador has adopted from abroad as its national unit of exchange. However, according to the analysis conducted, the project of using electronic currency for trade is not feasible as a consequence of the monetary culture of Ecuador that makes the usage of dollars as the unique unit of exchange. In conclusion, the Ecuadorian market lacks a monetary identity that can allow the issuance and circulation of its own currency based on the effectiveness and productivity of the local resources.
The socio economic analysis about the use of electronic currency stored in cellular phones launched by the Ecuadorian Central Bank allows concluding that this topic has resulted limited and of no interest in Ecuadorian population. This is consequence of the lack of support and trust in the market to operate with an intangible currency that contrast with the trade culture of exchanging a good or service for a tangible United States dollar. The objective of this research is focused on the economic analysis of the country and the liquidity and currency circulation perspective within the commercial environment. The methodology employed involved a systematic research using a survey to find the market willingness to use an electronic currency. The responses gathered through this survey allowed to evaluate the feasibility of issuing this new currency that will contribute to the optimization of trade as money can be transferred easily through a cellular phone yielding to a faster circulation of currency and the costs of holding a no currency that Ecuador has adopted from abroad as its national unit of exchange. However, according to the analysis conducted, the project of using electronic currency for trade is not feasible as a consequence of the monetary culture of Ecuador that makes the usage of dollars as the unique unit of exchange. In conclusion, the Ecuadorian market lacks a monetary identity that can allow the issuance and circulation of its own currency based on the effectiveness and productivity of the local resources.
Descripción
Economía y finanzas
Palabras clave
MONEDA DIGITAL, LIQUIDEZ, DINERO ELECTRÓNICO