La Inclusión Financiera y la Banca móvil en la población adulta (30-59 años) de la ciudad de Loja año 2025

Abstract

Abstract: The objective of this study is to analyze the level of financial inclusion and the use of mobile banking in the adult population between 30 and 59 years old in the city of Loja, using a mixed approach methodology and a survey was applied to 382 people to identify their behavior. The results reveal an acceptance of the service, in terms of ease of use, speed, accessibility and confidence in digital security. There are barriers such as distrust and limited access, most users perform frequent operations valuing saving time and money. Financial services in the city of Loja show significant progress, although there are points that need to be reinforced to guarantee better access. Financial education is a key factor for the adequate and conscious use of mobile banking. It is determined that financial inclusion facilitates access to financial services in an agile and secure manner, strengthening the processes of guidance and support to the user using in a responsible and conscious manner.