Dinero electrónico y su efecto en la inclusión financiera en el Ecuador.

Abstract

This research aims to demonstrate the effect of possible socioeconomic impacts in Ecuador through the implementation of electronic money for financial inclusion and economic development of the country. The methodology used in the research was descriptive, exploratory and explanatory. To do this, the importance of the implementation of electronic money, its emerging use, its economic development and the expected impacts of this system on society is analyzed descriptively. In addition, to demonstrate the pros and cons of the use of electronic money in the country, and that by correctly applying the respective system, people have greater accessibility and confidence in commercial transactions, increasing the financial inclusion of the country. Finally, the author proposes improvements after the electronic currency implementation phase (currently only for financial transactions), such as the creation of mechanisms that allow clients to obtain credit, insurance and other financial instruments.