El dinero electrónico como alternativa de pago en el sector microempresarial de la ciudad de Loja.

Abstract

The main objective of this study is to analyze the electronic money system as a means of payment in the microenterprise sector of the city of Loja. Through the development of this research has been able to describe the reasons why the Central Bank of Ecuador is protected through the regulatory framework, where it seeks to implement this new payment service focused on the inclusion of people in the financial system. Under this scenario a survey of 316 microentrepreneurs was carried out in the province of Loja. The studied parishes were: San Sebastián, Sucre, Sagrario and El Valle. It should be noted that the main results show that 61% of micro-enterprises are female. In addition, 75% have primary studies and great resistance to the implementation of technology in their businesses, accompanied by a great distrust towards this new payment system in subjects such as speculation towards currency exchange or possible security failures in the money platform electronic