Análisis del uso de la banca móvil y banca por internet implementada en los bancos privados de la ciudad de Loja; percepción de los usuarios de 20 a 59 años en el desempeño de las transacciones bancarias

Abstract

Abstract: The objective of this research is to analyze the use of mobile banking and online banking. Internet implemented in private banks in the city of Loja and know the perception of users from 20 to 59 years old in the performance of banking transactions, for the For this purpose, an exploratory descriptive research was carried out. Data collection It was carried out through a structured questionnaire, adapted from the Andrade survey (2020). Information was obtained from 384 users who make up the city's private banking from Loja. Among the main findings, it was evident that as age increases, Customers make fewer transactions due to application handling issues mobile phones and electronic pages. Likewise, it was found that the benefits perceived by the users of mobile banking is the easy access and in terms of electronic banking among the The most accepted benefits is the 24/7 service. In addition, the majority of people surveyed They totally agree that mobile banking and internet banking represent a system efficient to carry out financial transactions.