Análisis de la Implementación de la banca electrónica en el Ecuador
Fecha
2018
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Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
La Banca electrónica es una herramienta multipropósito que libra al usuario de los procesos análogos de las décadas pasadas al realizar operaciones financieras, brindándole facilidades capaces de satisfacer las necesidades de tiempo y eficiencia que el siglo XXI trae consigo. El vínculo que une al usuario y al ente financiero se ve reforzado o debilitado dependiendo de que tan bien se manejen los canales electrónicos y la capacidad de los mismos para ofertar servicios financieros. El crecimiento de la población y el desenvolvimiento del mercado actual desembocan en la necesidad permanente de acceso confiable a las cuentas personales y a su vez la capacidad de realizar operaciones en cualquier momento y lugar sin perturbar la seguridad de la cuenta. El análisis de las características y cualidades de la Banca electrónica dadas en este estudio se fundamentan en la revisión teórica y declaraciones dadas por varios sujetos participes del entorno financiero electrónico, desde informes a entrevistas los diferentes puntos de observación y análisis nutren la calidad de este trabajo de investigación en el cual se busca examinar de manera objetiva el costo-beneficio que acarrea el uso de canales electrónicos en la banca actual. El crecimiento exponencial del área Fintech demuestra ser parte del entorno macro financiero que el Ecuador está buscando ejecutar con mayor facilidad, con el fin de diversificar el mercado y ofrecer una gama más amplia de productos y servicios que conlleven beneficios bilaterales tanto para el área demandante como para quien la oferta de una manera equilibrada.
Electronic banking is a multipurpose tool that frees the user from the analogous processes of the past decades when carrying out financial operations, providing facilities capable of meeting the needs of time and efficiency that the 21st century brings with it. The link between the user and the financial entity is reinforced or weakened depending on how well the electronic channels are managed and the capacity of them to offer financial services. The growth of the population and the development of the current market result in the permanent need for reliable access to personal accounts and, in turn, the ability to carry out operations at any time and place without disturbing the security of the account. The analysis of the characteristics and qualities of electronic banking given in this study are based on the theoretical review and statements given by various subjects participating in the electronic financial environment, from reports to interviews, the different points of observation and analysis nurture the quality of this work of investigation in which it is sought to objectively examine the cost-benefit that brings the use of electronic channels in the current banking. The exponential growth of the Fintech area proves to be part of the macro financial environment that Ecuador is looking to execute with greater ease, in order to diversify the market and offer a wider range of products and services that bring bilateral benefits for both the demanding area as for whom the offer in a balanced way.
Electronic banking is a multipurpose tool that frees the user from the analogous processes of the past decades when carrying out financial operations, providing facilities capable of meeting the needs of time and efficiency that the 21st century brings with it. The link between the user and the financial entity is reinforced or weakened depending on how well the electronic channels are managed and the capacity of them to offer financial services. The growth of the population and the development of the current market result in the permanent need for reliable access to personal accounts and, in turn, the ability to carry out operations at any time and place without disturbing the security of the account. The analysis of the characteristics and qualities of electronic banking given in this study are based on the theoretical review and statements given by various subjects participating in the electronic financial environment, from reports to interviews, the different points of observation and analysis nurture the quality of this work of investigation in which it is sought to objectively examine the cost-benefit that brings the use of electronic channels in the current banking. The exponential growth of the Fintech area proves to be part of the macro financial environment that Ecuador is looking to execute with greater ease, in order to diversify the market and offer a wider range of products and services that bring bilateral benefits for both the demanding area as for whom the offer in a balanced way.
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Palabras clave
BANCA ELECTRÓNICA, CANALES ELECTRÓNICOS, SERVICIOS FINANCIEROS, COSTO