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

Abstract

Abstract: Non-bank correspondents are part of a large chain of ventures, financial institutions have been able to take advantage of this tool, expanding their coverage when they reach areas far from the city. In this sense, the research carried out seeks to establish the intention of using the PEA of the Zapotillo canton of the Loja province with respect to non-bank correspondents. The methodology used was qualitative in nature with support for the Technological Acceptance Model (TAM); ADANCO model and a structured survey based on the Likert scale, which was applied to 374 people accordingto the PEA, there are 19 CNBs in the canton, representing 3% participation at the provincial level; the gathering of information that most of the population uses these channels.The proposed model consists of 8 constructs focused on the general model based on the perception, attitude and intention to use a CNB, a highly significant R2 was identified, which shows a consistent and strong relationship between perception, attitude and intention of use of a non-bank correspondent.