DIGITALIZACIÓN FINANCIERA Y OPTIMIZACIÓN DE LAS PYMES PARA EL DESARROLLO DE LA INNOVACIÓN ESTRATÉGICA EN ECUADOR
Palabras clave:
digitalización financiera; PYMES; innovación estratégica; gestión financiera; toma de decisionesResumen
DOI: https://doi.org/10.46296/yc.v10i18.0893
Resumen
La investigación estudia la relación entre digitalización financiera y optimización de las PYMES para el desarrollo de la innovación estratégica en Ecuador, tomando como referencia las empresas del cantón Manta. La investigación tuvo una metodología de enfoque cuantitativo, de alcance descriptivo-correlacional, de diseño no experimental y de corte transversal. Se realizó una encuesta estructurada a 28 PYMES organizando sus dimensiones en perfil empresarial, gestión financiera, herramientas digitales y fintech, toma de decisiones estratégicas, percepciones y necesidades. Los resultados descriptivos dieron cuenta de un nivel alto en cuanto al uso de herramientas digitales (media = 4,33) y la toma de decisiones estratégicas (media = 4,31), la gestión financiera (media = 3,52) y las herramientas digitales y fintech (media = 3,39) es una variable que se ubica en un nivel medio, y las debilidades principales se dirigen a la utilización de indicadores financieros, proyecciones de flujo de caja, y políticas financieras formalizadas y capacitación fintech. La evaluación de Spearman evidenció una relación positiva y significativa entre la digitalización financiera y la toma de decisiones (rho = 0,507; p = 0,006), y entre la estructura de la empresa y la gestión financiera (rho = 0,695; p < 0,001). Se concluyó que la digitalización financiera contribuye a que las PYMES sean competitivas, realicen la planificación y desarrollen la innovación estratégica.
Palabras claves: digitalización financiera; PYMES; innovación estratégica; gestión financiera; toma de decisiones.
Abstract
This research studies the relationship between financial digitization and SME optimization for the development of strategic innovation in Ecuador, using companies in the Manta canton as a reference. The research employed a quantitative, descriptive-correlational, non-experimental, cross-sectional methodology. A structured survey was conducted with 28 SMEs, organizing its dimensions into business profile, financial management, digital and fintech tools, strategic decision-making, perceptions, and needs. The descriptive results showed a high level in the use of digital tools (mean = 4.33) and strategic decision-making (mean = 4.31). Financial management (mean = 3.52) and digital and fintech tools (mean = 3.39) were at a medium level. The main weaknesses identified were related to the use of financial indicators, cash flow projections, formalized financial policies, and fintech training. Spearman's rank correlation coefficient revealed a positive and significant relationship between financial digitization and decision-making (rho = 0.507; p = 0.006), and between firm structure and financial management (rho = 0.695; p < 0.001). It was concluded that financial digitization contributes to SMEs' competitiveness, planning, and strategic innovation.
Keywords: financial digitization; SMEs; strategic innovation; financial management; decision-making.
Información del manuscrito:
Fecha de recepción: 11 de marzo de 2026.
Fecha de aceptación: 21 de mayo de 2026.
Fecha de publicación: 11 de junio de 2026.
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