Delitos informáticos mediante fraudes electrónicos de tarjetas de créditos en el Ecuador.

Abstract

The types of fraud in the banking financial system have grown significantly as technology has increased, generating millions in losses to banking institutions and their clients not only in Ecuador but also throughout the world. The costs of investments in banking institutions are too high to control the vulnerability they have; but this investment and control are not enough. In Ecuador, the types of fraud have increased every year because the country has a highly valued currency in the world such as the American dollar, so hackers and / or criminals with their organized gangs have located in Ecuador. Customers know very little about the fraud methods that exist today and how to avoid them. It is common to hear about new types of fraud that capture more money every day, harming financial institutions and their customers. The purpose of carrying out this investigation was to carry out an analysis about the application of criminal sanctions in computer crimes through electronic fraud in credit cards in accordance with the provisions of the respective regulations and allowed us to determine that unfortunately due to various factors As the constant technological development, our legal system presents many gaps regarding the regulation and punishment of computer crimes through electronic fraud. For this research work, a qualitative methodology was used that allowed us to develop new knowledge through the analysis of concepts.