Brechas y desafíos en la educación financiera en Ecuador: un estudio regional en la provincia de Tungurahua cantón Ambato, año 2025

Abstract

Abstract: This paper analyzes the gaps and challenges in financial education in the Ambato canton, Tungurahua province, during the year 2025. The research stems from the need to understand how financial knowledge, attitudes, and behaviors influence household decision-making and local financial inclusion. A quantitative approach was used, combining surveys of economically active individuals with a documentary analysis of public policies and educational programs. The findings show that, although access to digital and traditional financial products has increased, deficiencies in financial literacy persist, especially among young people and vulnerable groups. The study concludes that it is necessary to strengthen financial education through pedagogical strategies adapted to the regional context and public policies that guarantee equitable access to financial services. The study provides recommendations for educational institutions, financial entities, and local authorities to foster a responsible and sustainable financial culture.