Implementación de estrategias de transformación digital en Banco de Occidente para mejorar la competitividad en el sistema financiero de Honduras
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Date
2025-11-06
Journal Title
Journal ISSN
Volume Title
Publisher
Universidad Tecnológica Centroamericana UNITEC
Abstract
La adopción de tecnologías emergentes como la banca móvil, las plataformas en línea y la inteligencia artificial ha mejorado la eficiencia operativa, reducido costos y ampliado la inclusión financiera. Por ello se propone el presente estudio que tiene como objetivo analizar el impacto económico de la transformación digital en el sistema financiero de Tegucigalpa, evaluando cómo la adopción de tecnologías digitales afecta la eficiencia, rentabilidad y competitividad de las instituciones financieras en la región. Cuyas teorías de sustento son: Teoría del desplazamiento tecnológico, Teoría de la flexibilidad laboral, Teoría de la destrucción creativa. Con un enfoque mixto predominantemente cuantitativo con un alcance descriptivo explicativo utilizando las técnicas de recolección de datos encuestas y entrevistas a expertos, con una población de 15 empresas en Tegucigalpa.
The adoption of emerging technologies such as mobile banking, online platforms and artificial intelligence has improved operational efficiency, reduced costs and expanded financial inclusion. For this reason, this study is proposed, which aims to analyze the economic impact of digital transformation in the financial system of Tegucigalpa, evaluating how the adoption of digital technologies affects the efficiency, profitability and competitiveness of financial institutions in the region. Whose supporting theories are: Theory of technological displacement, Theory of labor flexibility, Theory of creative destruction. With a predominantly quantitative mixed approach with a descriptive explanatory scope using data collection techniques, surveys and interviews with experts, with a population of 15 companies in Tegucigalpa.
The adoption of emerging technologies such as mobile banking, online platforms and artificial intelligence has improved operational efficiency, reduced costs and expanded financial inclusion. For this reason, this study is proposed, which aims to analyze the economic impact of digital transformation in the financial system of Tegucigalpa, evaluating how the adoption of digital technologies affects the efficiency, profitability and competitiveness of financial institutions in the region. Whose supporting theories are: Theory of technological displacement, Theory of labor flexibility, Theory of creative destruction. With a predominantly quantitative mixed approach with a descriptive explanatory scope using data collection techniques, surveys and interviews with experts, with a population of 15 companies in Tegucigalpa.
Keywords
Transformación digital, impacto económico, sistema financiero, eficiencia operativa, competitividad