Strategies to promote the adoption of digital payment platforms in microenterprises in the northern sector of Guayaquil
DOI:
https://doi.org/10.53591/easi.v3i2.1914Keywords:
Digital payment platforms, Microenterprises, E-commerce, Inclusive digitalization, EstrategiesAbstract
This article aims to identify strategies to expand the adoption of digital payment platforms in microenterprises in northern Guayaquil, highlighting their importance in business modernization and economic growth within e-commerce. The exploratory-descriptive and propositional research analyzed barriers such as the preference for cash, lack of knowledge, and economic and technological limitations. Through a survey of 278 microentrepreneurs, it was found that only 34.4% use digital platforms, mainly Payphone and Kushki. The benefits of adoption include greater security, increased sales, and better financial organization. Strategies such as educational campaigns, financial incentives, technological improvements, and generating trust are proposed. The research concludes that collaboration between the public, private, and academic sectors is essential to facilitate the digital transition and enhance business competitiveness in Guayaquil.
References
Alarcón Osuna, M., Ocampo Figueroa, L., & Guzmán Anaya, L. (2024). Presente y Futuro de la MIPYME desde una perspectiva holística. Carta Económica Regional, (134), 7-22. https://doi.org/10.32870/cer.v0i134.7917
Alfin Nugroho, Yordan Hermawan Apidana. (2023). ANALISIS TECHNOLOGY ACCEPTANCE MODEL (TAM) PADA APLIKASI E-LEARNING: (Studi Kasus Pada Mahasiswa Universitas Putra Bangsa). Journal of Digital Business and Management, 2(2), 64-72. https://doi.org/10.32639/jdbm.v2i2.397
Caina Guamán, A. E. (2023). Análisis de herramientas de pagos en línea en el Ecuador. Esprint Investigación, 2(2), 14–25. https://doi.org/10.61347/ei.v2i2.54
Conferencia de las Naciones Unidas sobre Comercio y Desarrollo (UNCTAD). (2021). El comercio electrónico mundial alcanza los 26,7 billones de dólares mientras COVID-19 impulsa las ventas en línea. Recuperado de https://unctad.org/es/news/el-comercio-electronico-mundial-alcanza-los-267-billones-de-dolares-mientras-covid-19-impulsa
Cotrina, R. & Pumarrumi, A. U. (2020). Billetera Digital: Estrategia de Inclusión Financiera en las micro y pequeñas empresas del Perú. Revista Colombiana de Contabilidad, 8(15), 31-52.
Ennajeh, L., & Najjar, T. (2024). Blockchain Technology Adoption Through the UTAUT Model: Exploring the Mediating Role of Trust in Technology. Journal of Telecommunications and the Digital Economy, 12(1), 328–355. https://doi.org/10.18080/jtde.v12n1.873
Espinoza-Solís, E., Medina-Hinojosa, D. J., Solís-Granda, L. E., y Ochoa, C. R. (2024). Adopción de medios de pago digitales: Comportamiento y características sociodemográficas de usuarios en la Zona 5, Ecuador. Revista De Ciencias Sociales, (3), 303-316.
Gómez, E., Posada, O., y Villa, M. (2022). Moneda digital: una estrategia gerencial para la competitividad en las empresas colombianas. Bogotá: Fundación Universitaria del Área Andina. Disponible en: https://digitk.areandina.edu.co/handle/areandina/4520
Instituto Nacional de Estadística y Censos (INEC). (n.d.). Directorio de empresas. Recuperado el 30 de diciembre de 2024, de https://www.ecuadorencifras.gob.ec/directoriodeempresas/
Jonathan Chiu, Tsz-Nga Wong (2022). Payments on digital platforms: Resiliency, interoperability and welfare. Journal of Economic Dynamics and Control. https://doi.org/10.1016/j.jedc.2021.104173
Kim, Joshua, Pueblos., Emilio, Timoteo, Jr. (2023). Impact of E-Payment Platforms Among Selected Micro-Entrepreneurs in Taguig City: Determinants for Enhanced Guidelines in Collection and Disbursement Process. Indonesian Journal of Business Analytics. https://doi.org/10.55927/ijba.v3i4.4884
M. K. Fadhil and A. P. Subriadi. (2023). Factor Affecting Behavior Intention To Use Mobile Payment Adoption: An Analysis Of Literature Review. 2023 International Conference on Computer Science, Information Technology and Engineering (ICCoSITE), Jakarta, Indonesia, pp. 847-852. https://doi.org/10.1109/ICCoSITE57641.2023.10127839
Mukhamad, Najib., Farah, Fahma. (2020). Investigating the Adoption of Digital Payment System through an Extended Technology Acceptance Model: an Insight from the Indonesian Small and Medium Enterprises. International Journal on Advanced Science, Engineering and Information Technology. https://doi.org/10.18517/IJASEIT.10.4.11616
Muslimov, N., A., G., S.. (2022). A Systematic Review and Research Agenda of Digital Payment System with reference to Unified Payment Interface. https://doi.org/10.47992/ijmts.2581.6012.0245
Nurchayati, Nurchayati., Rini, Ariyanti., Ita, Marianingsih. (2024). How Fintech Adoption, Digital Payment Systems, and Consumer Trust Shape Financial Performance of MSMEs. International Journal of Business, Law, and Education. https://doi.org/10.56442/ijble.v5i2.895
Ocampo Alvarado, A. M. (2024). Efectos de la transformación digital en el sector contable y financiero en Ecuador. ACADEMO Revista De Investigación En Ciencias Sociales Y Humanidades, 11(3), 233–241. https://doi.org/10.30545/academo.2024.set-dic.2
Paulo, Santos., Ingrid, Harvold, Kvangraven. (2017). Better than Cash, but Beware the Costs: Electronic Payments Systems and Financial Inclusion in Developing Economies. Development and Change, 48(2):205-227. https://doi.org/10.1111/DECH.12296
Rubio Jeniffer., Pérez Bryan., Acosta Dayana., Arroyo John (2021). Preferencias en el uso de pagos electrónicos en el Ecuador. Revista Cuestiones Económicas, 1 (31). https://doi.org/10.47550/RCE/31.1.3
Sitong, Pan., Qinghua, Shi., Yue, Zhang. (2024). Platform economy and missing entrepreneurship: Evidence from E‐commerce development policy in China. Economics of Transition and Institutional Change. https://doi.org/10.1111/ecot.12429
Sonal Sisodia, K. Singodiya. (2024). The Digital Payment Landscape in Emerging Economies: Adoption Drivers and Challenges. https://doi.org/10.58532/dplme1
Superintendencia de Compañía, valores y seguros. (2024). Análisis sectoriales. https://appscvsmovil.supercias.gob.ec/ranking/reporte.html
Svetlana Yu, Revinova., Inna V. Lazanyuk. (2022). The COVID-19 coronavirus pandemic as an impetus to digital technology development in Latin America. Regional Economics: Theory and Practice, 20 (3): 511-534. https://doi.org/10.78172
Vedat, Coskun., Busra, Kose., Mustafa, Ozan, Capa. (2023). TokenX: A Digital Sales Platform for B2C Payment and Finance Solutions. https://doi.org/10.1109/isas60782.2023.10391728
Wallis SE. Integrative Propositional Analysis for developing capacity in an academic research institution by improving strategic planning. Syst Res Behav Sci. 2020; 37: 56–67. https://doi.org/10.1002/sres.2599
Williams, K. N., Kephart, J. L., Fandiño-Del-Rio, M., Condori, L., Koehler, K., Moulton, L. H., Checkley, W., & Harvey, S. A. (2020). Beyond cost: Exploring fuel choices and the socio-cultural dynamics of liquefied petroleum gas stove adoption in Peru. Energy Research & Social Science, 66, 101591. https://doi.org/10.1016/j.erss.2020.101591
Zagari-Forte, F., Serrano-Orellana, K., & Tenesaca-Serrano, K. (2024). Efeitos macroeconômicos do e-commerce na América Latina. Revista Científica Episteme & Praxis, 2(1), 79–81. https://doi.org/10.62451/rep.v2i1.44
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Raquel Vera, Linda Yong
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
Contributions published in the EASI journal follow the open access license CC BY-NC-ND 4.0 (Creative Commons Attribution-NonCommercial-NoDerivs 4.0). This license empowers you as an author and ensures wide dissemination of your research while still protecting your rights.
For authors:
- Authors retain copyrights without restrictions according to CC BY-NC-ND 4.0 license.
- The journal obtains a license to publish the first original manuscript.
For readers/users:
Free access and distribution: Anyone can access, download, copy, print, and share the published article freely according to the license CC BY-NC-ND 4.0 terms.
Attribution required: If any third party use the published material, they must give credit to the creator by providing the name, article title, and journal name, ensuring the intellectual property of the author(s), and helping to build the scholarly reputation.
Non-commercial use: only noncommercial use of the published work is permitted. Noncommercial means not primarily intended for or directed towards commercial advantage or monetary compensation by any third party.
No modifications allowed: The content of the published article cannot be changed, remixed, or rebuilt upon the author’s work. This ensures the integrity and accuracy of the research findings.
