“Las fintech como alternativa de inclusión financiera en la población ecuatoriana”

Abstract

This research aims to analyze the role of “Fintech” as an alternative for financial inclusion in the Ecuadorian population. Qualitative and quantitative analysis was conducted, with an exploratory and descriptive scope, described in their respective chapters; in addition, a non-experimental and cross-sectional design was used because the variables were not manipulated and it was developed in a given period; The deductive and analytical-synthetic methods were used, which allowed a study from the general to the particular; the techniques and instruments used were the interviews to members of the financial sector and the general population, and the survey directed to the study sample of the Economically Active Population (EAP) of Ecuador. The methodology used showed that more than half of the respondents belong to financial institutions and have a medium level of knowledge about Fintech. Likewise, most of them are interested in learning more about the topic. Thus, it is concluded that Ecuador has a medium-low level in the financial inclusion index in Latin America and that “Fintech” are focused on the creation of innovative technological, financial products and/or services, oriented to the benefit of customers, so it can be used as a tool to improve the economic inclusion of the country. Therefore, executing the strategies developed to make Fintech an alternative for financial inclusion in the Ecuadorian population is proposed.