The global trend of digital banking as a disruptive agent in the monetary world.

Abstract

This research aims to analyze how the global trend of digital banking has become a disruptive agent in the traditional monetary world, leaving aside the use of the various instruments granted by traditional banking entities, giving way to innovative financial services. The technological evolution that has gradually taken place worldwide has generated changes in all aspects of society, both politically, socially and economically, and of course in the banking system, which has allowed the implementation of new processes to carry out transactions. without having to leave the comfort of home, without having to use cash and being able to buy and pay for goods, services and products to satisfy people's needs, with more attractive interest rates than those offered by traditional financial or banking entities. In the same way, being in the era of the technological revolution, a large percentage of the population of Ecuador corresponds to Millennials with a great interest in the use of technology and use their mobile devices to carry out any banking operation with just a click without having to bother going to a bank branch, since they are not interested in using cash or wasting time going to bank branches in search of information that they can find on the web.