Análisis del uso de las billeteras electrónicas en Guayaquil: Desafíos y oportunidades

Abstract

Electronic wallets, as a payment method, have evolved in response to technological demands. This study focuses on the use of electronic wallets in Guayaquil, emphasizing their potential for financial inclusion. Employing a mixed methodology of qualitative and quantitative analysis through interviews and surveys, the research revealed that adults aged 18 to 24 are the primary users, drawn by user-friendly features and ecommendations from peers. However, barriers persist, notably in older generations over 35, where lack of awareness and security concerns hinder adoption. To address this, the study recommends bolstering wareness through financial education programs and fostering adoption through strategic alliances with daily consumption service providers like gas stations, recognizing the impact of electronic wallets on a country's competitiveness and financial system modernization.