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    Costos de innovaci贸n tecnol贸gica en las cooperativas de ahorro y cr茅dito, segmento 1, cant贸n P铆llaro, periodo 2020

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    Introduction: In the present titling work, the costs that are generated now in which technological innovations in financial services are conducted, same services that are offered by the savings and credit cooperatives of segment one in the P铆llaro Canton, all the analyzed data belongs to the 2020 period. Objectives: To determine the costs of technological innovation for the provision of financial services of the Savings and Credit Cooperatives of segment one of the P铆llaro Canton during the 2020 period. Methodology: The research method that was implemented, it was the deductive method, since a macro and individual analysis of the variables was used, bibliographies related to the subject and existing files were analyzed to verify the relationship of variables, with a type of documentary and descriptive research, the results interpreted and collected through an interview with 384 criteria, it was tabulated and the interpretation of results was obtained, as well as their respective analysis, through the use of statistical methods, the results were classified and transformed into statistical figures for better understanding. The study population was the Cooperatives of segment one and the financial bulletins. Results: the Savings and Credit Cooperatives of segment one of the P铆llaro canton have continued to invest in recent years to obtain models and updates with modern technology in digital financial services, so it was possible to determine the costs for technological innovation in digital financial services. , the Mushuc Runa cooperative made the largest investment with a value of 467,558.36,followedbytheSanFranciscocooperativewithanexpenseof467,558.36, followed by the San Francisco cooperative with an expense of 318,871.93, then the Oscus cooperative spent 295,610,57,followedbytheKullkiWasicooperativewith295,610, 57, followed by the Kullki Wasi cooperative with 213,145 ,11, finally there is the cooperative Chamber of Commerce 146,581.01.Conclusions:Thus,Iwasalsoabletoconcludethatonly85 146,581.01. Conclusions: Thus, I was also able to conclude that only 85% of the cooperatives offer the same digital financial services such as web pages, virtual banking, mobile App and BanRed ATMs.Introducci贸n: En el presente art铆culo se analizaron los costos que generan al momento en que se realizan las innovaciones tecnol贸gicas en los servicios financieros, mismos servicios que son ofertados por las cooperativas de ahorro y cr茅dito del segmento 1 en el Cant贸n P铆llaro, todos los datos analizados son pertenecientes al periodo 2020. Objetivos: Determinar los costos de la innovaci贸n tecnol贸gica para la prestaci贸n de servicios financieros de las Cooperativas de Ahorro y Cr茅dito del segmento 1 del Cant贸n P铆llaro durante el per铆odo 2020. Metodolog铆a: El m茅todo de investigaci贸n que se implement贸, fue el m茅todo deductivo, ya que se emple贸 un an谩lisis  macro e individual de las variables, se analiz贸 bibliograf铆as relacionadas con el tema y archivos existentes para la comprobaci贸n de la relaci贸n de variables, con un tipo de investigaci贸n documental y descriptiva se conform贸 los resultados interpretados y recolectados por medio de una entrevista con 384 criterios, se tabul贸 y se obtuvo la interpretaci贸n de resultados, as铆 como su respectivo an谩lisis, por medio de la utilizaci贸n de m茅todos estad铆sticos se clasificaron los resultados y transformaron en figuras estad铆sticas para su mejor comprensi贸n. La poblaci贸n de estudio fueron las Cooperativas del segmento uno y los boletines financieros. Resultados: las Cooperativas de Ahorro y Cr茅dito del segmento uno del cant贸n P铆llaro, han seguido invirtiendo   estos 煤ltimos a帽os para obtener modelos y actualizaciones con tecnolog铆a moderna en los servicios financieros digitales, es as铆 que se pudo determinar los costos por innovaci贸n tecnol贸gica en los servicios financieros digitales, la cooperativa Mushuc Runa realizo mayor inversi贸n con un valor de 467.558,36, seguida de la cooperativa San Francisco con un gasto de 318.871,93,luegolacooperativaOscusgasta 318.871,93, luego la cooperativa Oscus gasta 295.610, 57, a continuaci贸n, la cooperativa Kullki Wasi 213.145,11,finalmenteestalacooperativaCamaradeComercio 213.145,11, finalmente est谩 la cooperativa C谩mara de Comercio 146.581,01. Conclusiones: As铆 tambi茅n pude concluir que tan solo el 85% de las cooperativas ofrecen los mismos servicios financieros digitales como P谩ginas web, Banca virtual, App m贸vil y cajeros autom谩ticos BanRed
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