Acceso a productos y servicios financieros que fomenten el ahorro en segmento jóvenes. Un enfoque empírico en la región 7 de Ecuador del año 2022

Abstract

Abstract: Access to financial products and services at an early age promotes education financial situation of young people, especially savings and investment habits. However, for In the case of Ecuador, there is minimal evidence that has addressed inclusion issues. financial situation in the young segment, this population being one of the most vulnerable and with high barriers to access financial products and services. To fill this gap in the literature, the study provides empirical evidence on the current state of access to financial products and services that encourage savings in this important population of the country. The results show that there is a portfolio of products and services that promote savings in sight and programmed for young people. Also, it was identified that the conditions socioeconomic characteristics of the population are the main barrier to preventing young people from being banked. The pioneering study for this area of ​​Ecuador allows the actors of the system financial and public policy, validate or refocus the financial inclusion strategy 2024- 2028.