Percepción del Uso del Dinero Electrónico de los Inmigrantes en NY (Condado de Queens EUA)

Abstract

Abstract: The main objective of this research has been to determine the perception that Ecuadorian immigrants living in the City of New York (Queens) have about the use of electronic money as part of the new financial system. The data collected during personal interviews and through questionnaires has provided us with valuable information regarding their living standards and their experience using electronic money as a new modality in the digital era. Some of the most interesting results proved the importance that a legal immigration status have in the personal and professional life of participants, taking into consideration that they have embraced the useof new technologies such as smart phones, computers, tablets and other electronic devices with internet connection to maximize the value and convenience of banking online, managing their finances, receiving direct deposits from their employers, making payments for the purchase of products and services, transferring money to other countries, etc.The main conclusion is the impact that the use of electronic money has for Ecuadorian immigrants residing in the City of New York in their banking and financial needs.