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

Abstract

Abstract: The purpose of this research work is to evaluate the perception of use of the non-banking correspondents of the Macará canton. To carry out this research, a structured and fully validated survey was applied to 369 people from the economically active population.In order to evaluate the factors that influence the use of non-bank correspondents of clients and non-clients of a financial institution, the Technology Acceptance Model (TAM) developed by Davis, Bagozzi and Warshaw in 1989 was applied, this model is an information systems theory that models how people come to accept and use a technology.The TAM model to be used is made up of eight general constructs that allow us to determine the use of a new technology, based on which the following results were obtained, where the three central constructs: utility, attitude, intention, are significantly high and respond to the raised model, which the utility has a relatively higher value and tends to make people intend to use a non-bank correspondent.