Análisis del sistema de billetera móvil en el desarrollo de las ventas online para pequeños artesanos del cantón salinas, 2018
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2018
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Universidad de Guayaquil Facultad de Ciencias Administrativas
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La modalidad de pago en las MIPYMES comerciales del Ecuador generalmente consiste en el uso de dinero en efectivo, aunque en las principales ciudades y menor proporción también se usan mecanismos electrónicos cancelar a través del uso de tarjetas de crédito y de débito; estos mecanismos electrónicos de cobro generalmente no siempre se encuentran disponibles debido a varias razones, entre las que se destaca el poco uso que los consumidores hacen de estos mecanismos, sumado a los costos operativos que implican para los administradores de los locales y la escasa cobertura de internet existente en muchos sectores de la provincia de Santa Elena. En el cantón Salinas, especialmente en los períodos de alta afluencia turística, se tiene una alta concurrencia de potenciales clientes, que demuestran su interés en los variados productos y artesanías ofertadas. El medio de pago exclusivo que se utiliza es el de efectivo. No se aprecian transacciones realizadas empleando tarjeta de crédito o tarjeta de débito o dinero electrónico. Prácticamente no existen precios fijos para las mercaderías comercializadas puesto que virtualmente todas las transacciones observadas se llevan a cabo posterior a un proceso de regateo, y la mayoría de los potenciales clientes en esta feria artesanal parecen ser personas no habitantes de este cantón. En este escenario, se estima necesario el análisis del impacto de la implementación del dinero electrónico el sector artesanal, que individualmente por su tamaño y volumen transaccional no suelen emplear las herramientas tecnológicas más modernas pero que como sector económico son de suma importancia, y en una localidad como el cantón Salinas, que es la capital turística de la provincia de Santa Elena.
The modality of payment in the commercial MIPYMES of Ecuador generally consists of the use of cash, although in the main cities and smaller proportion electronic mechanisms are also used to cancel through the use of credit and debit cards; These electronic collection mechanisms are usually not always available due to several reasons, among which the little use that consumers make of these mechanisms, added to the operating costs they imply for the administrators of the premises and the scarce coverage of existing internet in many sectors of the province of Santa Elena. In the canton of Salinas, especially in the periods of high tourist influx, there is a high concurrence of potential customers, who show their interest in the various products and crafts offered. The exclusive means of payment used is that of cash. There are no transactions made using a credit card or debit card or electronic money. There are practically no fixed prices for merchandise marketed since virtually all transactions observed are carried out after a haggling process, and most of the potential customers in this artisan fair seem to be non-inhabitants of this canton. In this scenario, it is considered necessary to analyze the impact of the implementation of electronic money in the artisanal sector, which individually, due to its size and transactional volume, do not usually use the most modern technological tools, but as an economic sector they are of the utmost importance, and in a locality like canton Salinas, which is the tourist capital of the province of Santa Elena.
The modality of payment in the commercial MIPYMES of Ecuador generally consists of the use of cash, although in the main cities and smaller proportion electronic mechanisms are also used to cancel through the use of credit and debit cards; These electronic collection mechanisms are usually not always available due to several reasons, among which the little use that consumers make of these mechanisms, added to the operating costs they imply for the administrators of the premises and the scarce coverage of existing internet in many sectors of the province of Santa Elena. In the canton of Salinas, especially in the periods of high tourist influx, there is a high concurrence of potential customers, who show their interest in the various products and crafts offered. The exclusive means of payment used is that of cash. There are no transactions made using a credit card or debit card or electronic money. There are practically no fixed prices for merchandise marketed since virtually all transactions observed are carried out after a haggling process, and most of the potential customers in this artisan fair seem to be non-inhabitants of this canton. In this scenario, it is considered necessary to analyze the impact of the implementation of electronic money in the artisanal sector, which individually, due to its size and transactional volume, do not usually use the most modern technological tools, but as an economic sector they are of the utmost importance, and in a locality like canton Salinas, which is the tourist capital of the province of Santa Elena.
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DINERO ELECTRÓNICO, SECTOR ARTESANAL SALINAS