Modelos de negocios innovadores que mejoren la inclusión financiera y tecnológica para las Organizaciones de la Economía Popular y Solidaria (OEPS) de la Región 7 del Ecuador

Abstract

Abstract: In Ecuador, there is a significant gap in access to formal financial services in rural areas, where only 16.8% of households have technological equipment and more than 40% do not use the Internet, in addition to an indicator of 71.80% of financial inclusion at the local level. Faced with this problem, research is proposed to identify the limitations and needs of the rural population of Loja regarding financial services, through semi-structured interviews. As a result, it is proposed to develop QULLQI, a mobile digital wallet under a legal model of Specialized Electronic Deposit and Payment Companies (SEDPES), which uses SMS to provide inclusive financial services, allowing digital payments, transfers, in addition to having alliances to provide financial training and facilitate access to financial products. The value proposition seeks to offer a reliable, transparent and secure financial experience, allied with local actors and on-site financial education programs, and to financially empower the rural sector. The main objective is the financial inclusion of farmers excluded from the banking system, enhancing their financial capabilities and quality of life by providing them with access to savings, credit, insurance and electronic payment services.