Innovación Bancaria en el Ecuador: Análisis de los determinantes en el uso de ATM s en el cantón Morona, provincia de Morona Santiago, año 2024

Abstract

Abstract: This research aims to investigate Banking innovation in Ecuador, to through the analysis of the determinants in the use of ATMs in the Morona Canton, as part of the evolution of banking innovation in the region. Key variables were explored, such as cultural and social barriers, the adoption of new financial technologies, the quality of the service they provide, trends and usage patterns, perceptions and attitudes of users, and access to other services outside ATMs; through a methodology of mixed research, using a qualitative and quantitative research approach, not experimental and transversal of descriptive and deductive scope, which allowed analyzing the Determinants of the use of ATMs in the canton of Morona. The results of This research indicates that ATMs are a tool that makes the lives of patients easier. inhabitants of the canton, generating confidence and security when carrying out their transactions in a practical, quick and simple way, increasing the use of these in the recent years and with it financial inclusion.