Efectos económicos y financieros derivados del uso de un sistema de recaudo para el cobro a clientes en empresas de servicios del Distrito Metropolitano de Quito, periodo 2022 – 2023

Abstract

The implementation of a massive bank debit collection system in the service companies of the Metropolitan District of Quito during 2022 and 2023 is analyzed in a context marked by the growing demand for digital solutions for collection management. Given the increase in the customer base, companies need efficient tools to manage accounts receivable. The study shows that the adoption of these tools not only improves the punctuality of payments and optimizes operating costs but also strengthens liquidity and administrative efficiency. In addition, the positive perception of system security increases customer confidence, which favors their continued adoption. In general, the digitalization of collection processes has proven to be an effective strategy to improve the competitiveness and financial stability of companies in an increasingly digitalized environment. This research has shown that the implementation of this massive digital collection system has significantly improved collection processes in service companies in the Metropolitan District of Quito. The study indicates that the use of this type of mass collection channel had a positive financial impact on the service companies of the Metropolitan District of Quito. It is determined that at the end of the fiscal period, the liquidity of most of the companies analyzed was favorably affected, since the objective of using this system is to significantly reduce costs and expenses throughout the fiscal year, which will allow the company's management to make better decisions in the use of new collection mechanisms and strengthen control of mass clients. However, it is essential that companies continue to monitor and adjust their processes to address any discontent and maximize the benefits of this system. This implies constant monitoring of performance metrics, the implementation of continuous feedback, and rapid adaptation to emerging market needs.