Análisis del impacto de las Fintech en la competitividad de las pequeñas empresas de servicios financieros en Guayaquil

Abstract

Fintech or financial technologies have experienced significant growth in recent years, transforming the financial sector and providing innovative solutions. These technologies meet a variety of needs, such as the management of corporate and personal finances, investments, payments and remittances, credit granting, among others. Currently, Fintechs coexist with traditional banking, offering users more accessible, efficient and economical services. The main objective of this research is to analyze the impact of Fintech on the competitiveness of small financial services companies in Guayaquil. A descriptive and bibliographic study was carried out, based on the collection of documentary information and the application of surveys. The results revealed that, according to the Central Bank of Ecuador, the country has 55 Fintechs, which shows a growth compared to previous years. In addition, the surveys showed that 42% of respondents identified as the greatest impact of these technologies, the improvement of operational efficiency of small businesses, while 44% pointed out risks associated with data loss and security issues. In this sense, it is recommended to implement robust cybersecurity strategies, as well as to promote financial inclusion through training programs in Fintech and financial education. These technologies play a crucial role in the digital era, contributing to the expansion of financial services and business strengthening.