Usage of electronic payments by users in financial entities in Ecua-dor
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Abstract
This study was driven in the province of El Oro where the probability that a user of a financial institution with certain sociodemographic conditions uses electronic payments or not for use in FinTech companies was calculated. The model used for this research was Binary Logistic Regression (LR), using an analysis carried out with the statistical program SPSS. It was found that people who work in Machala are 64% more likely to use electronic payments with respect to users who work in other cities, and people with incomes greater than $ 155 are 1.6 times more likely to use electronic payments. Two groups of variables were taken into account: the significant ones, which were obtained from the people who work in Machala and, on the other hand, the qualitative variables, which correspond to the users who have greater facility in the use of electronic payments.
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John Marco Solis-Sotomayor , Universidad Técnica de Machala - Ecuador
https://orcid.org/0000-0002-3818-4154
Student in the process of graduating from the Universidad Técnica de Machala, Faculty of Business Sciences of the Business Administration career. Polyvalent Bachelor in Accounting and Administration. Participant with a paper not published in previous years at the UTMACH science fair.
Ricardo Adrián Zapata-Sansen , Universidad Técnica de Machala - Ecuador
https://orcid.org/0000-0001-8112-9380
Student in the process of graduating from the Universidad Técnica de Machala, Faculty of Business Sciences of the Business Administration career. Technologist in Computerized Systems.
Andrés Marcelo Pacheco-Molina, Universidad Técnica de Machala - Ecuador
https://orcid.org/0000-0002-5022-9044
Commercial Engineer from the Technical University of Machala. Master in Business Administration. Professor and Researcher at the Technical University of Machala, for more than 20 years.
Norman Vinicio Mora-Sánchez , Universidad Técnica de Machala - Ecuador
https://orcid.org/0000-0002-2814-2751
Doctor in Administrative Sciences from the National University of San Marcos. Commercial Engineer. Professor and Researcher at the Technical University of Machala.
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