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

Abstract

Abstract: The implementation theimplementation of a non-bank correspondents service channel will allow users to carry out their transactions in an agile and secure manner, thus generating financial inclusion for vulnerable sectors, in such a way that the majority of the population can access services without having to travel to a financial institutionTherefore, the present investigative work whose objective is to evaluate the perception regarding the use of the CNB of the Celica canton, for this reason a properly structured survey has been used that was applied to a sample of 365 users of the PEA of the canton, followed by applied thetechnology acceptance model designed in 1989 by Davis, Bagozzi and Warshaw.This model determines factors that influence the use of CNB service channels, therefore the following results were obtained in terms of: Utility, ease, perceived enjoyment, being conclusive: it is beneficial to use a CNB 57%, intention to use the 46.6%, 59.4% constitute a fast and agile service channel. Ultimately, this could be evidenced in the model and results obtained.