Análisis de la adopción de la inteligencia artificial en el sector financiero. Caso de estudio: Cooperativa Gualaquiza. Cantón Gualaquiza, año 2025

Abstract

Abstract: The study aims to analyze how the integration of AI can enhance the Gualaquiza Cooperative's performance through the period 2025. The methodology used was a quantitative approach using inductive, deductive, and synthetic analysis methods. Surveys were also used as research techniques and instruments, with surveys administered to the database and infrastructure analyst and the technology manager. The data obtained confirm the positive impact of AI in the financial sector, particularly in the area of ​​operational efficiency and effectiveness. The benefits of incorporating AI (machine learning) systems and big data, achieving predictive analysis, process automation, credit risk assessment, and fraud detection, are clear; however, the current lack of specialized personnel and the inherent costs of implementing this system are its main obstacles. In conclusion, AI serves to improve the efficiency and competitiveness of the Gualaquiza Cooperative, despite current implementation barriers.