Análisis en la evolución de los beneficios del e-banking en el sector financiero en la ciudad de Machala en el periodo 2023.

Abstract

The analysis addresses the evolution of the benefits of E-Banking in the financial sector of Machala during the year 2023, focusing on how changes in financial services impact the competitiveness of banking institutions, using a qualitative methodology, data were collected through surveys and interviews to assess the perception and use of E-Banking among customers. The results show that the adoption of these services has increased the operational efficiency of the institutions and significantly improved the user experience, especially because of the convenience and accessibility they provide. In addition, it is highlighted that users value the ability to perform banking transactions without the need to visit physical branches, which saves time and reduces costs for both customers and institutions. These findings were contrasted with previous research to ensure their validity, showing a consistent trend towards digitalization as a key tool for the modernization of the financial sector. It concludes with the recommendation to continue innovating in E-Banking services and to improve the technological infrastructure, with the objective of maximizing benefits, strengthening the competitiveness of financial institutions and responding effectively to the growing expectations of customers, it is also suggested to implement financial education strategies to increase the confidence and security of users in the use of digital platforms, promoting a safer and more efficient environment in electronic banking.