Innovación bancaria en el Ecuador: análisis de los determinantes en el uso de ATM's en la parroquia Comité del Pueblo, cantón Quito, año 2024

Abstract

Abstract: This research work analyzes the determinants that influence the use of ATMs ATMs in Ecuador, with a focus on the People's Committee parish, canton Quito. Through a non-experimental design, using qualitative and quantitative methods. Surveys were applied to a sample of 377 people belonging to the population economically active, using the Likert scale. The results, analyzed with ADANCO, revealed significant positive relationships between the constructs of attitude, intention to use, perceived usefulness, ease of use and compatibility with lifestyle of users. This suggests that when ATMs are perceived as useful, easy to use and compatible with lifestyle, users tend to show an attitude and more favorable intention towards its use. The study highlights the importance of ATMs to facilitate procedures for companies and people, offering flexibility and time savings by being available 24 hours a day. The findings contribute to understanding the factors that determine the acceptance and use of this financial innovation in Ecuador.