Brechas y desafíos en la educación financiera en Ecuador: Un estudio realizado al Cantón Quito, año 2025

Abstract

Abstract: Financial education is a formative and informative process that provides guidance and contributes to improved decision-making regarding money, saving, and investment. Within this context, the present research analyzed the gaps and challenges in financial education in the Quito canton during the year 2025, considering the importance of developing skills that allow the population to manage their resources effectively and access financial services responsibly. The main objective was to characterize the population's level of financial education, identifying the factors that influence financial knowledge, behavior, and attitudes. The study employed a quantitative and descriptive approach, using a structured survey based on international guidelines for measuring financial capabilities, with a study population of 121 individuals. The results showed that, although there is high access to and use of technologies and digital payment methods, limitations in financial knowledge remain, along with a short-term orientation and limited economic planning. This reflects a gap between access to and efficient use of financial services. It is concluded that these gaps are associated with sociodemographic, educational, and cultural factors.