Desarrollar un sistema financiero móvil para dar un servicio oportuno a los socios de las cooperativas de ahorro y crédito del segmento dos en Ecuador

Abstract

Abstract: The research topic focuses on the development of a mobile financial system aimed at improving the services offered to members of savings and credit cooperatives in segment two in Ecuador. The general objective is to provide a timely service that reduces operational costs in agencies and increases the customer base nationwide. The research was conducted in Ecuador, specifically within the context of segment two savings and credit cooperatives. The methodology used included interviews with 54 people nationwide, as well as surveys and focus groups to validate the system prototype. The techniques and instruments employed allowed for the collection of information regarding the acceptance and functionality of the prototype. The results obtained indicate that 88.8% of the interviewees believe that the mobile application will be widely used for online payments and transfers, while 68.5% expressed interest in the possibility of making investments. These findings suggest that the system has a high likelihood of adoption and can significantly contribute to financial inclusion in the country, modernizing the popular and solidarity economy sector and enhancing financial inclusion.