El dinero electrónico en el sector comercial del Ecuador.

Abstract

It is important that an analysis of the application of electronic money in the economy of Ecuador is achieved, and mainly the operation and influence it has had in the commercial sector, since it is the economic sector that has had the greatest participation since its opening in the year 2014 and the form of growth in the use of money in the market until today. The Electronic Money System was planned as a new generation in money management, in which economic transactions can be carried out without the possession of money in physical form, but that it be carried out through a technological application and debited. To the merchant for payment. The payments that can be made are of all kinds, from purchases in a store in a residential area, payment of basic services, transfers to other accounts of "cash", remittance sending and most of the advantages, the VAT refund. Since the use of electronic money was implemented in the country, it has not been able to have sufficient reception compared to other countries, having as one of the main causes the distrust that this method generates for people.