Brechas y desafios en la educación financiera en Ecuador : un estudio del cantón Cuenca, provincia de Azuay año 2025

Abstract

Abstract: This study analyzes the gaps in financial literacy within the Cuenca canton, Ecuador, by evaluating the financial capabilities of its population through a quantitative, descriptive approach. Using structured surveys based on OECD guidelines, the research identified unequal levels of knowledge, behavior, and attitudes regarding personal finance, revealing marked differences based on age, gender, educational attainment, and place of residence. While some progress is evident in the use of digital tools with a high percentage of individuals opening savings accounts a deficit remains in planning for economic emergencies, alongside limited access to complex financial products. The study highlights the need for inclusive educational programs tailored to local requirements, enabling individuals to make informed decisions and take action when faced with economic challenges. These findings serve as a valuable resource for financial, educational, and government institutions aiming to promote financial inclusion and economic well-being. Overall, this research provides evidence to support the design of more effective, context-specific public policies.