Análisis del impacto de la implementación del dinero electrónico ecuatoriano en el sector no bancarizado de la economía popular y solidaria vinculada a la fase transaccional

Abstract

This document allows you to display the background of the implementation of electronic money in the same way a brief evolution of money in Ecuador and different use cases in countries that it is implemented and their results. Also you will find information of how works the electronic money and the steps to obtain an account. Finally the implementation analysis is displayed. This allows an examination oriented to the unbanked section of national economy, in other words on sectors that they have no relationship with banking services within the popular and solidarity economy. The electronic money system in Ecuador is a project that is supported by the national government where the transfers are made in real time between some economic agents using mobile devices, the goal is to search the improvement of the inclusion of active economically sectors to financial services. The access to financial services in Ecuador is relevant with the financial inclusion and exclusion, where the population is a direct factor that in accordance to their participation in the financial market generates a supply and demand that your transactions are generated. The increase of the financial inclusion is important because this improve in the economically active population through financial services such as microcredit, account opening, deposits, withdrawals, consumption.