Análisis del dinero electrónico en la economía y su influencia en el sector comercial del Ecuador

Abstract

Commerce experiences rapid changes that demand efficient actions within its transactions, especially with the development of telecommunications, for this purpose the governments in the world have implemented a monetary system based on electronic money (DE) which is a value equivalent to the currency in circulation; However, many questions revolve around its application and before this the investigation is carried out, which analyzes the impact of the use of electronic money in the economy and its influence as a new procedure of financial transactions in the commercial sector of Ecuador. 2016-2020. Through a descriptive bibliographic review of a qualitative nature and a descriptive design, the theme is developed; the results show that in recent years the commercial sector and the use of electronic money in Ecuador has grown, being the exception in the years 2019 and 2020 due to other factors that influenced the economy such as the crisis and the effects of the pandemic ; On the other hand, the discussions show that work must be done on different factors and events that this form of transaction implies, especially in education, which is a weak point of Ecuadorians; in such a way it is concluded that the DE generates several advantages such as the speed of collection, payment and the closing of businesses; and directly affects the growth of commercial production and therefore the economy, but it faces great challenges in its operation and application.