Innovación bancaria en el Ecuador: Análisis de los determinantes en el uso de ATM's en el cantón Rumiñahui, Provincia de Pichincha año 2024.

Abstract

Abstract: The purpose of this research work is to study the determinants that influence the use of automated teller machines (ATM's) as a form of banking innovation in the Rumiñahui canton, Pichincha Province, Ecuador, in the year 2024. The adoption of financial technology by residents, considering factors such as accessibility, confidence in the security of transactions, convenience and familiarity with traditional banking services. The ATM use factors are analyzed, the availability of financial services in the area and user preferences. The The results allow us to know that the respondents maintain a greater interest in the perception of security, use and ease of ATMs since their responses have been focused on the improvement that could be given in these aspects, providing information for financial institutions and local authorities, in order to improve efficiency and the acceptance of banking innovation in this canton, thus promoting access equitable access to financial services and local economic development.