Analysis of Fintech as a financial alternative for SMEs in Ecuador

Main Article Content

Yury Delgado-Indarte
María Briones

Abstract

This article analyzes the role of Fintech as a financial alternative for SMEs (small and medium-sized enterprises) in Ecuador and highlights how these technologies can improve financial inclusion by providing access to credit and other financial services that have traditionally been difficult for SMEs to obtain. All of this was obtained using a documentary approach that focuses on the bibliographic aspect, obtaining qualitative research. In addition, the opportunities that Fintech offer to boost the digitalization of SMEs are examined, improving their operational efficiency and competitiveness in an increasingly digital market. However, the study also identifies important challenges, such as a lack of education in digital technologies and a developing regulatory environment, which could limit the effective adoption of these tools. The article also highlights the need for public policies that support the adoption of Fintech in Ecuador.

Article Details

How to Cite
Delgado-Indarte, Y., & Briones, M. (2025). Analysis of Fintech as a financial alternative for SMEs in Ecuador. Revista Económica, 13(2), 39–51. https://doi.org/10.54753/rve.v13i2.2388
Section
RESEARCH ARTICLES

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