Brechas y desafíos en la educación financiera en Ecuador: un estudio en el cantón Tulcán, año 2025

Abstract

Abstract: The purpose of this research was to analyze the gaps and challenges in financial education in Ecuador through a study conducted in the canton of Tulcán in 2025. The research adopted a quantitative approach, with a descriptive and bibliographic design. For data collection, the population of the city of Tulcán was considered, using a sample of 101 participants. The data collection technique consisted of surveys administered through a structured questionnaire. The results show that 52% of respondents have a smartphone with an active data plan; 35% are familiar with mobile banking and use it to make transfers, thus avoiding dependence on a financial institution; and 25% actively use their online bank accounts at least once a week. Furthermore, 55% of the surveyed population indicated in their responses that their general financial knowledge, compared to other adults in Ecuador, is at an average level; only 2% reported a high level of financial literacy.