Análisis del impacto causado por la implementación del sistema de dinero electrónico en el Ecuador durante el período 2014-2017
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2019-04-03
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Universidad de Guayaquil. Facultad de Ciencias Económicas
Resumen
La presente investigación analizará el Sistema de Dinero Electrónico en el Ecuador, el cual supuso un proyecto innovador que integraba a la población en un sistema financiero alcanzable, automatizado e inclusivo. Casi tres años después de su implementación, los esfuerzos del gobierno nacional resultaron insuficientes para popularizar su uso, y brindar la confianza necesaria para ganar socios comerciales y bancarios que lo presentaran como una iniciativa de su interés. El presente trabajo de titulación encuentra que el proceso de implementación no fue efectivo debido a su tardío proceso, escasa capacitación, y la existencia de multicanales electrónicos ampliamente desarrollados por entidades bancarias que le llevan la delantera. A finales del 2017 el flujo de utilización fue disminuyendo, y al cierre del proceso se encontraron cuentas abiertas sin nunca haber sido utilizadas, el manejo de la política económica es indispensable para rescatar estos esfuerzos.
The electronic money system in Ecuador was an innovative project that integrated the population into an attainable, automated and inclusive financial system, almost three years after its implementation, the efforts of the national government were insufficient to popularize its use, and provide the confidence necessary to win business and banking partners that present it as an initiative of their interest, the present title work finds that the implementation process was not effective mainly due to its late process, poor training, and the existence of widely developed electronic multichannels by banking entities that take the lead. At the end of 2017, the flow of use was decreasing, and at the end of the process open accounts were found without ever having been used, the management of economic policy is essential to rescue these efforts.
The electronic money system in Ecuador was an innovative project that integrated the population into an attainable, automated and inclusive financial system, almost three years after its implementation, the efforts of the national government were insufficient to popularize its use, and provide the confidence necessary to win business and banking partners that present it as an initiative of their interest, the present title work finds that the implementation process was not effective mainly due to its late process, poor training, and the existence of widely developed electronic multichannels by banking entities that take the lead. At the end of 2017, the flow of use was decreasing, and at the end of the process open accounts were found without ever having been used, the management of economic policy is essential to rescue these efforts.
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DINERO ELECTRÓNICO, BANCA PRIVADA, SISTEMA BANCARIO, ECUADOR