Análisis del impacto que genera el lavado de activos en el sistema financiero ecuatoriano

Abstract

Abstract: This paper analyzes the impact of money laundering on the Ecuadorian financial system during the period 2022 2024. Its main objective is to understand how this activity affects the stability, transparency, and trust in the country's financial institutions. Both regulatory and international frameworks are analyzed, including an estimate of the volume of money laundered within the financial system, which is approximately $5 billion annually. This research was based on a mixed methodology, integrating qualitative and quantitative approaches through documentary analysis and interviews with representatives of the financial sector. Among the limitations identified in this paper are the difficulties in accessing confidential information in financial institutions, as well as the limited cooperation of certain key stakeholders. The results obtained show that money laundering represents a threat to national economic stability and that current control mechanisms are deficient in mitigating this crime. This study provides valuable elements for strengthening prevention and control policies between the financial system, regulatory agencies, and the existing regulatory framework.