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

Abstract

Abstract: Non-bank correspondents (CNB) constitute a service channel that operates in commercial establishments owned by a natural or legal person, whose function is to offer financial services in an authorized manner under the name of a financial institution. They are located in strategic geographic points of the national territory, allowing access to banking services in areas of difficult access, where there is no bank branch. Therefore, the present work was developed with the objective of knowing the perception of the users of the Chaguarpamba canton regarding CNB, through a survey that evaluated the opinion of 335 inhabitants of the canton and will get to know their opinion on security issues , use, ease, compatibility and utility of non-bank correspondents, promoting serving as a source of information for the best quality of this service.The results obtained showed that 86% have a positive perception of the CNB. However, the population expressed their dissatisfaction with the low amount allowed per transaction, emphasizing that this is a need that requires improvement in the service.