Las empresas FINTECH como servicios auxiliares financieros en el Ecuador.

Abstract

Currently, fintech companies are an innovative option to attract investment and generate income in the economy of a country, due to their technological aspect aimed at offering financial services to society, in a fast, safe and efficient way; however, the Ecuadorian legislation has not included within its regulations the implementation of this type of financial institutions, even though they are already offering these services without there being a normative regulation regarding their operation. Finthech companies operating are increasing and the law -which must evolve with societies- has not modernized the necessary aspects to be able to give a place within the internal legislation for this type of services. The implementation of the fintech bill is proposed as a modernizing and innovative mechanism for the Ecuadorian state as auxiliary services according to the Organic Monetary and Financial Code.