Análisis del proceso de transformación digital de las Mi pymes del sector financiero del cantón Salinas, Provincia de Santa Elena, tras la pandemia de COVID 19; período 2022 - 2023

Abstract

Abstract: The analysis of the digital transformation process of MSMES in the financial sector of the Salinas canton is presented due to the drawbacks in the management of information and communication Technology resulting in problems in the management of financial resources through digital platform this involves obtaining credit, budget management, cash flow and others. The objective is to analyze the situation of the digital transformation process in order to establish a productive management of resources by the financial institution and MSMEs in the Salinas canton. The methodology used is exploratory, non-experimental and descriptive, its approach is qualitative, and research tools such as surveys and interviews are used to obtain results that will allow taking the necessary actions for the proposal that covers the proper management of digital skills that promote the active participation of customers to the financial system, concluding that any digital transformation process achieves greater participation of the conglomerate and saving resources in obtaining credit for both financial organizations and MSMES.