The use of e-banking by savings and credit cooperatives in the city of Machala

Main Article Content

Kevin Gustavo Vaca-Carreño
Wilton Eduardo Romero-Black
Iddar Iván Jaya-Pineda
Norman Vinicio Mora-Sánchez

Abstract

In the globalized world of financial businesses, it is common to feel concern about the perceived quality of the physical or electronic services that they offer to their clients and potential consumers; For this reason, it is essential that they have mechanisms for the constant assessment and evaluation of this; standing out among the different valuation methods, the Servqual model. It is for such, that the present investigation that is structured as methodological a descriptive-exploratory scope with a quantitative approach of transversal cut; The objective is to describe the perception and level of quality of e-banking of savings and credit cooperatives in the city of Machala, through the application of the Servqual model survey. The main results show that the valuation that users give to the perceived quality of the e-banking services offered by the savings and credit cooperatives of Machala according to the dimensions of Servqual are favorable.


Keywords: savings and credit cooperatives, Servqual, quality, and e-banking.

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How to Cite
Vaca-Carreño, K. ., Romero-Black, W., Jaya-Pineda, I., & Mora-Sánchez, N. (2023). The use of e-banking by savings and credit cooperatives in the city of Machala. 593 Digital Publisher CEIT, 8(3), 910-919. https://doi.org/10.33386/593dp.2023.3.1801
Section
Administration
Author Biographies

Kevin Gustavo Vaca-Carreño, Universidad Técnica de Machala - Ecuador

https://orcid.org/0009-0001-5478-3018

 Graduated prior to the degree of Commercial Engineer with a mention in business administration, I have satisfactorily completed my entire study plan and I am looking for an academic degree to develop myself professionally. 

Wilton Eduardo Romero-Black, Universidad Técnica de Machala - Ecuador

https://orcid.org/0000-0001-5200-1361

Industrial Engineer, Research professor at UTMACH, professor of the Quality Management, Production Administration and Environmental Management chairs; PhD candidate in Environmental Science and Technology in Coruña-Spain, Project Manager for Relations with society, Industrial Technical Advisor with 5 years of experience in the industrial sector and 12 years in education and more than 10 investigations in the area of ​​knowledge 

Iddar Iván Jaya-Pineda, Universidad Técnica de Machala - Ecuador

http://orcid.org/0000-0003-3022-9730

Iddar Iván Jaya Pineda, Commercial Engineer, with a Master's Degree in Business Administration, and is currently studying a PhD in Social Sciences with a mention in Management. He has been Director of research and outreach projects, administrator of SERFIORO in the El Oro area, he also has several publications in academic journals and has participated in various international conferences as a speaker. He is currently a teacher and researcher at the Technical University of Machala. At the same time, he is President of the College of Commercial Engineers and Administrators of El Oro. 

Norman Vinicio Mora-Sánchez, Universidad Técnica de Machala - Ecuador

http://orcid.org/0002-2814-2751

PhD in Business Administration (UNMSM), 

Master of Business Administration (UTMACH), 

Commercial Engineer in Business Administration (UTMACH), 

Bachelor of Business Administration 

Chief Financial Administrative Officer of the Municipal Health Directorate GAD Machala (2001-2009) 

Manager in Charge of EMSA GAD Machala (2009) 

Former Coordinator of the UTMACH-MIPRO agreement (2014-2016), 

Former University Extension Coordinator (2008-2010), 

Professor at UTMACH since 1998 

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