Factores que caracterizan la decisión de compra de seguros mediante el comercio electrónico en post pandemia en la zona del Austro.

Abstract

Companies always have to face various situations over time, especially changes that occur due to external factors which directly and indirectly affect the development of activities. The general objective of this study is to analyze the exogenous factors that affect electronic commerce in insurance in post pandemic through a bibliographic and statistical review in the Austro. The fact of the appearance of the COVID-19 virus, generated a profound transformation in the general community, in a VUCA context whose initials mean volatile, uncertain, complex and ambiguous in which society currently operates and even directs to make decisions attached to reality due to the constant economic, social, political indicators of which the emergence of teleworking, confinement, the reduction of capacity can be enunciated, the above suggests the situation of insurance companies; because they are immersed in this situation, therefore, they must guarantee their commercial movement in order not to paralyze and take advantage of the opportunities that have arisen from the pandemic, especially in the Ecuadorian region where consumers have presented a change in their behavior of the purchase and even the modality of acquiring goods or products. The methodology that was applied is quantitative, the Crobanch alpha statistical method was used, whose result yielded 901, which suggests the reliability of the study, in addition, this study shows that there is hope for insurance companies in the Ecuadorian Austro, through this study we have a clear picture of the situation in this area.