ANÁLISIS DE LOS MEDIOS DE PAGO ELECTRÓNICOS PARA EL SECTOR PYMES (GUAYAQUIL) Y SU IMPACTO EN LOS CRÉDITOS A LA MICROEMPRESA DE LA BANCA PRIVADA

Abstract

This academic paper shows the importance of creating new mechanisms that encourage the growth of consumption through the inclusion of the unbanked population sector. The Central Bank of Ecuador, through resolution ECB-037-2014, establishes the operation structure of electronic money as an initiative for the inclusion of all social strata. This kind of money is the gateway of new entrepreneurs who want easy cash and at low cost; as an innovative source of payment, easy to handle and safe to use. A quantitative investigation research has been conducted in order to show the correlation between means of electronic payments through growth in transactions in recent months with its linear regression is shown increasing growth portfolio Microentrepreneurs in Private Banking. This paper analyzes its laws and the support that it gives to the depositors' money in the balance sheets of the ECB through a liability with liquidity reserves and the impact achieved in other countries that decided to opt for electronic money to promote the inclusion of all the population in the economic indices since they become generating sources of credit and financing.