Estudio de competitividad de los bancos privados en la Ciudad de Riobamba, Provincia de Chimborazo, año 2023

Abstract

The study of competitiveness of private banks in Riobamba City, Chimborazo province, in the year 2023, was conducted because there are no recent studies on competitiveness at the banking level, to identify the factors that contribute to the competitiveness of private banks to evaluate through diagnostic tools such as SWOT Matrix, MEFI Matrix, MEFE Matrix the variables that affect competitiveness. The research used a quantitative and qualitative methodology, competitiveness analysis of 10 financial indicators individually by interviewing Banco Solidario, Banco del Austro, Banco Internacional, where it was determined that there is delinquency in microcredit portfolio, low placement of different types of loans, low interest rate for investments, low time for investments, low interest rate for investments, low interest rate for investments, low interest rate for investments, low interest rate for investments, low interest rate for investments, low interest rate for investments, low interest rate for investments, low interest rate for investments and low interest rate for investments, low interest rate for investments, waiting time in customer service, need to improve internal management and operational processes, risk management due to financial users was determined that people over 40 years old do not use digital platforms, and that the waiting time is very long, also to access a loan is difficult because of all the requirements of the private financial institution. To solve the problems, users should be trained and improve the inconveniences when using digital platforms, and finally improve the waiting time for customer service.