Percepción sobre la protección normativa en el sistema financiero ecuatoriano: un perfilamiento por conglomerados
Perception of regulatory protection in the ecuadorian financial system: a cluster profiling
DOI:
https://doi.org/10.56712/latam.v6i5.4649Palabras clave:
regulación, finanzas, consumidor, percepción, sistema financieroResumen
El sistema financiero ecuatoriano, regulado para proteger a los consumidores y garantizar estabilidad, enfrenta retos como la desconfianza tras la crisis global de 2008. El objetivo del estudio fue analizar la percepción de los consumidores sobre la protección normativa mediante un perfilamiento por conglomerados. Se empleó un enfoque cuantitativo descriptivo no experimental de corte transversal, con una muestra no probabilística de 102 usuarios financieros en Guayaquil, recolectando datos mediante un cuestionario en línea y analizándolos con el algoritmo K-means en SPSS. Los resultados identificaron tres conglomerados: Consumidores Neutrales (38.48%, respuestas neutrales, pero de acuerdo en fortalecer regulaciones), Consumidores Escépticos (19.83%, desacuerdo en efectividad normativa y neutralidad en mejoras), y Consumidores Confiados (45.69%, acuerdo en aspectos positivos y necesidad de fortalecimiento); el Alpha de Cronbach fue 0.834, confirmando fiabilidad. Las conclusiones revelan diversidad en percepciones, con mayoría confiando en el sistema, pero consenso en mejorar protecciones, sugiriendo educación financiera para reducir escepticismo.Descargas
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