Brechas y desafíos en la Educación Financiera en Ecuador: Un Estudio Canton de San Miguel de los Bancos, Provincia de Pichincha, año 2025

Abstract

Abstract: This study analyzes the gaps and challenges in financial education within the canton of San Miguel de los Bancos, Pichincha province, in 2025. This descriptive research employs a quantitative approach, utilizing a structured survey based on the criteria of the Development Bank of Latin America and the Caribbean (CAF) and OECD guidelines. This survey objectively measures and gathers data on the level of financial knowledge within the canton of San Miguel de los Bancos. The results show that participants possess considerable levels of financial literacy, sufficient for a basic understanding of financial topics, but this also limits their ability to make more complex financial decisions. Participants demonstrate behaviors focused on saving, credit, investment, and immediate needs. Furthermore, the study reveals habits such as using cash, traditional financial products, and primarily digital services for transactions.