Análisis sobre el consumo de tarjetas de crédito en el sector financiero y la definición de los perfiles demográficos y conductuales en la ciudad de Guayaquil, año 2013

Abstract

The borrowing on credit cards has become, in recent times, in the usual way for the acquisition of goods and services, is the underfunding of family economies for early consumption, taxes, and high rates of return. The features of this product in the various financial institutions in terms of categories of each card are similar: National, International, Individual, Corporate. This research is important because through the analysis is to know specific data on the use of credit card, different types of cards offered by financial institutions, the volume of credit in the private financial system in recent years, to determine the factors that influence the customer to purchase, acceptance, use, credit card. This analysis is focused on the city of Guayaquil, a city that has a high percentage of credit card users, and where a very fickle population is concentrated in reference to the use of it.