Carteira eletrônica móvel: uma alternativa de pagamento para o sistema financeiro equatoriano

Abstract

The electronic financial system promoted by the banks of Ecuador displays an important technological advance that requires (for its innovation) to adapt a practice that facilitates the payment of transfers from electronic charges via cell phone. The purpose of this research is to analyze the effects of using the new electronic money system. In the research, the dialectical method is recognized, and the phenomena and contradictions that partially limit the liquidity of Ecuadorian banks are presented. It is concluded that the use of electronic money in the commercialization of goods and services avoids rounding, the transfer of physical cash, robberies, and violent deaths. In addition, it promotes competitiveness as a differentiator of electronic businesses.