Análisis del uso de pagos móviles en las Pymes de Guayaquil: Retos y Perspectivas

Abstract

This study analyzes the use of mobile payments in SMEs in Guayaquil during the 2024-2025 period, focusing on their benefits, challenges, and opportunities. Businesses have begun adopting platforms such as PayPhone, MercadoPago, and banking apps, allowing for faster and more secure transactions. However, barriers remain, including limited technological infrastructure, a lack of awareness about their advantages, and resistance from some business owners to digitalize their operations. Interviews and surveys with SME owners revealed that mobile payments enhance operational efficiency by reducing wait times, minimizing transaction errors, and attracting customers who prefer digital payment methods. While some businesses have reported increased clientele and online sales, perceptions of profitability remain mixed. Security is a key concern for mobile payment adoption, with data protection and authentication playing crucial roles in building user trust. The study highlights the need for education and training strategies to promote financial and digital inclusion. In conclusion, mobile payments present a significant opportunity for the modernization and competitiveness of SMEs in Guayaquil. Overcoming current challenges will require investment in infrastructure, increased awareness of benefits, and the implementation of policies that encourage adoption.