Innovación bancaria en la provincia de Loja, enfoque en los corresponsales no bancarios del cantón Catamayo al año 2019

Abstract

Abstract: The purpose of this research work is to assess the perception of non-bank correspondents in the Catamayo canton of the province of Loja, through the application of sampling the number of people to be surveyed was determined, based on the population variable PEA (economically active population). To know the degree of perception of non-bank correspondents, both clients and non-clients of financial institutions, the Technology Acceptance Model (TAM), developed by Davis, Bagozzi and Warshaw in 1989, was applied, suggesting a structure of eight constructs that allow knowing the acceptance of a new technology applied to a specific population. From the results obtained, it is observed that the population of Catamayo shows a positive and high relationship between attitude and intention to use, that is, there is an intention to use that is justified by the fact that the correspondent finds the user interesting, on the other hand, the utility of use shows a low level of significance that does not justify the interest shown by the user based on the utility they have for its use.