Análisis de compras por internet a través de Tarjetas de crédito en Ecuador
Fecha
2016
Título de la revista
ISSN de la revista
Título del volumen
Editor
Universidad de Guayaquil
Resumen
El objetivo general de este estudio de caso es presentar un plan para incrementar las
compras por internet con tarjetas de crédito emitidas en Ecuador, de tal forma contribuir
con el crecimiento del comercio electrónico en el país. Los fraudes por internet y el poco
conocimiento de los tarjetahabientes en el proceso de compras por ese canal son aspectos
que influyen en el bajo consumo de las tiendas virtuales, por tal motivo se propone que las
entidades bancarias emisoras de tarjeta de crédito cuenten con las herramientas 3DSecure
propuestas por las franquicias. Para la investigación del caso se ha utilizado una
metodología cualitativa y a través de entrevistas realizadas a expertos dentro de las
entidades bancarias en comercio electrónico se logró conocer el estado actual de las
mismas en transacciones por internet. El plan propuesto será de utilidad para los emisores
de tarjetas de crédito, el cual lista los pasos a seguir para la implementación de los
esquemas de seguridad incluyendo mejores prácticas que han dado resultados positivos a
otras instituciones que cuentan con estas herramientas. Se incluye el trabajo a seguir con
los establecimientos afiliados en la instalación del botón de pagos y las capacitaciones que
se deben ofrecer a los tarjetahabientes para generar seguridad en este canal de ventas,
beneficiando a los empresas que deciden ofertar sus productos online en sus tiendas
virtuales y brindando seguridad a los compradores con tarjetas de crédito en las
transacciones realizadas.
The overall objective of this case study is to present a plan to increase purchases online with credit cards issued in Ecuador, for to contributing to the growth of electronic commerce in the country. The internet scams and little knowledge of cardholders in the procurement process for that channel are aspects that influence the low consumption of virtual stores for that reason it is proposed that issuers of credit card banks have the tools 3DSecure proposed by the franchises. For the investigation of the case has been used a qualitative methodology and through interviews with experts within banking institutions in electronic commerce was able to confirm the current status of transactions over the Internet. The proposed plan will be useful for issuers of credit cards, it contains the list the steps for the implementation of security schemes, including best practices that have generated positive results to other institutions that have these tools. Include the job with affiliated establishments in the installation button payments, and the training that should be offered to cardholders to build confidence in this sales channel, benefiting the companies that decide to offer their online products in their virtual stores and providing security in transactions to buyers with credit card.
The overall objective of this case study is to present a plan to increase purchases online with credit cards issued in Ecuador, for to contributing to the growth of electronic commerce in the country. The internet scams and little knowledge of cardholders in the procurement process for that channel are aspects that influence the low consumption of virtual stores for that reason it is proposed that issuers of credit card banks have the tools 3DSecure proposed by the franchises. For the investigation of the case has been used a qualitative methodology and through interviews with experts within banking institutions in electronic commerce was able to confirm the current status of transactions over the Internet. The proposed plan will be useful for issuers of credit cards, it contains the list the steps for the implementation of security schemes, including best practices that have generated positive results to other institutions that have these tools. Include the job with affiliated establishments in the installation button payments, and the training that should be offered to cardholders to build confidence in this sales channel, benefiting the companies that decide to offer their online products in their virtual stores and providing security in transactions to buyers with credit card.
Descripción
Palabras clave
COMERCIO ELECTRÓNICO, FRANQUICIAS, ENTIDADES BANCARIAS, ESTABLECIMIENTOS AFILIADOS, 3D SECURE, BOTÓN DE PAGOS, FRAUDES