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

Abstract

Abstract:Non-bank correspondents (CNBs) represent an easy, fast and useful channel of care for users of the financial system, as well as representing growth for institutions that implent them. These channels of care give way to financial inclusion in the non-banked sectors. The main objective of this work is to assess the perception regarding the use of CNBs in the province of Loja, canton Olmedo, using the Technology Acceptance Model (TAM) for determination. The sample was determined from the number of inhabitants and the economically active population (PEA) of the canton, resulting in 322 people surveyed. The development of research and the results obtained were analyzed using the exploratory and descriptive methodology which made it possible to know that the level of acceptance of CNBs in the canton is positive and their perception of use is mainly determined by the benefits of use, their ease of use and where they are located.