Brechas y desafíos en la educación financiera en Ecuador: un estudio del cantón Quito provincia de Pichincha año 2025

Abstract

Abstract: Financial education has established itself as a key factor for social inclusion, reducing economic vulnerability, and responsible decision-making by households. In Ecuador, despite regulatory and institutional advances, significant gaps remain in levels of financial knowledge, attitudes, and practices, especially in urban areas with high socioeconomic diversity such as the canton of Quito. The objective of this study is to identify and analyze the main deficiencies and problems in financial education among the population of the canton of Quito in 2025. To this end, a quantitative methodology with a descriptive and cross-sectional approach is used. The study is based on official data and structured surveys conducted among residents of the canton of Quito. Among the results obtained are a lack of knowledge of basic personal finance concepts and low use of formal financial products and services, as well as a poor culture of saving and planning, as this is a key aspect that affects the financial well-being of the population. Therefore, the study seeks to provide information on these issues, thus contributing to the development of financial education in the region. It concludes with recommendations aimed at strengthening public policies, educational programs, and financial inclusion strategies, with an emphasis on vulnerable population groups.