Estudio de factores determinantes en la adopción de tecnologías financieras en las coooperativas de ahorro y crédito de la ciudad de Riobamba, año 2023

Abstract

In the savings and credit cooperatives of the city of Riobamba, there is no full use of technological resources that fintech currently provides to these financial institutions, causing the stagnation of service by the cooperatives to the clients and the optimization of processes that, if these technologies were taken advantage of, could be avoided. Therefore, the objective of this research was to determine the factors that intervene in the incorporation of financial technologies in the savings and credit cooperatives of the city of Riobamba, in 2023. The methodology implemented had a quantitative and qualitative approach, a non-experimental design was used since variables have not been manipulated for any reason, since this work seeks to discover which have been the only factors that have intervened in the managers and agency heads to not incorporate these technologies in their daily activities. Through this methodology, it was possible to determine which have been the determining factors, among which are the prices that it would cost to implement them in daily activities, and the coupling process between users and members of the cooperative to these technologies, among others. In addition, a comparative analysis of different financial ratios that are important for a financial institution was carried out between savings and credit cooperatives that have implemented financial technology among their activities and cooperatives that have not implemented financial technologies, yielding favorable results. In this context, it is concluded that financial technologies are tools that positively favor various common situations that occur in savings and credit cooperatives, and the incorporation of these will present various favorable results for these financial institutions.