El dinero electrónico. Análisis comparativo de brechas competitivas del sistema público y privado. período 2012-2018
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2020-03-05
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Facultad de Ciencias Económicas. Universidad de Guayaquil
Resumen
El Sistema de Dinero Electrónico es beneficioso para la población, pero carece de un buen manejo administrativo, no se llegó a consolidar por la falta de difusión y carencias de programas que respalden a este innovador proyecto, a esto se sumó la desconfianza de las personas por el SDE. El dinero electrónico es un negocio para los bancos por esta razón se disputan su manejo, desde el año 2012 al 2018 el proyecto fue controlado por el Banco Central del Ecuador, aunque en la actualidad el proyecto se lo quiere tomar la banca privada esto no sería del todo beneficioso para Guayaquil porque se convertiría en un oligopolio regulador del SDE. Los Guayaquileños encuestados respondieron mayoritariamente que nunca usaron el dinero electrónico cuando estaba en vigencia con el 84% de los encuestados, por otro lado, el 16% asegura haber utilizado el dinero electrónico durante su periodo de vigencia.
The Electronic Money System is beneficial for the population, but it lacks good administrative management, it was not consolidated due to the lack of dissemination and lack of programs that support this innovative project, to this was added the distrust of people for the SDE. Electronic money is a business for banks for this reason their management is disputed, from 2012 to 2018 the project was controlled by the Central Bank of Ecuador, although currently the project wants to take it private banking this would not be quite beneficial for Guayaquil because it would become a regulatory oligopoly of the SDE. The Guayaquileños surveyed mostly responded that they never used electronic money when it was in force with 84% of the respondents, on the other hand, 16% said they used electronic money during its term
The Electronic Money System is beneficial for the population, but it lacks good administrative management, it was not consolidated due to the lack of dissemination and lack of programs that support this innovative project, to this was added the distrust of people for the SDE. Electronic money is a business for banks for this reason their management is disputed, from 2012 to 2018 the project was controlled by the Central Bank of Ecuador, although currently the project wants to take it private banking this would not be quite beneficial for Guayaquil because it would become a regulatory oligopoly of the SDE. The Guayaquileños surveyed mostly responded that they never used electronic money when it was in force with 84% of the respondents, on the other hand, 16% said they used electronic money during its term
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FINANZAS, BANCA PÚBLICA, MACROECONOMÍA, DINERO ELECTRÓNICO