"Análisis de las variables de los medios de pago electrónico en el desarrollo del e-commerce en las MiPymes de la ciudad de Azogues, Ecuador"

Abstract

Trade has changed throughout history, being a determining factor in the technological and scientific progress that society presented over the years; currently, e-commerce is an effective tool for MSN'1Es to grow and increase their sales. This study analyzes the variables in developing e-commerce in MSMEs in Azogues City in Ecuador. Thus, an exploratory and descriptive scope was used, with a non-experimental, cross-sectional design for the data collection on a single occasion. The study subjects were the consumers of the city of Azogues, where a non-probabilistic sampling was applied, with a sample of 379 people, through a survey with 15 questions related to sociodemographic data, internet use, preferences of electronic payment methods, and consideration of the variables. One of the most relevant results found in this article is that 41.7% of the total surveyed make online purchases more than once a month, 31% prefer the use of debit and credit cards; concerning ease of use, 50.24% consider that it is easy to use, while 44.8% feel insecure. In conclusion, the MSMEs in Azogues face a significant challenge with the evolution of online shopping, one of the main drawbacks being the distrust and lack of knowledge that society presents towards this new way of purchase.