Evaluación de las recaudaciones de pagos a terceros en el sector financiero privado del Ecuador durante el periodo 2018 2021

Abstract

Abstract:The purpose of this degree work is to evaluate the collections of payments to third parties in the private financial sector of Ecuador during the period 2018 2021. For which the 24 banks in the private financial sector were taken as the target population. of Ecuador. As a source of information, the statistical portal of the Superintendency of Banks from which the Statistics of collection of funds were obtained. payments to third parties of private banking. Likewise, a quantitative approach was applied and a Deductive method. As a result of the evaluation of the information obtained, it can be establish that Banco Pichincha, Banco del Pacífico, Produbanco and Banco de Guayaquil, have a dominant position in the collection of payments to third parties, representing the 90% of the total during the period. The growth of the adoption of the internet channel in Collections of payments to third parties in Ecuador reflect a trend towards digitalization and the use of online platforms to carry out financial transactions. The Covid 19 pandemic drove the adoption of digital banking as a safe and convenient alternative during the social distancing measures and mobility restrictions.