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What is the "Sistema de Pagos Interbancarios" (SPI) in Ecuador responsible for?
 
Facilitating interbank payments and transfers
 
Setting interest rates for loans
 
Overseeing foreign exchange transactions
What is the main purpose of the "Cédula de Identidad" in Ecuador in relation to banking?
 
To open a bank account
 
To apply for a credit card
 
To receive cash withdrawals from ATMs
In Ecuador, what is a "Cooperativa de Ahorro y Crédito"?
 
Credit union
 
Central bank of Ecuador
 
National savings account
What is the purpose of the "RUC" (Registro Único de Contribuyentes) in Ecuador?
 
To register for tax purposes
 
To track international transactions
 
To register for online banking services
Which institution in Ecuador is responsible for regulating and overseeing the financial sector?
 
Superintendencia de Bancos
 
Banco Central del Ecuador
 
Ministerio de Economía y Finanzas
 
Comisión de Mercado Financiero
What is compound interest?
 
the initial amount and the accumulated interest
 
Interest that is only paid on credit cards
 
Interest that is paid in cash
What is the purpose of a cashier's check?
 
To make large payments securely
 
To pay for items at a retail store
 
To withdraw money from an ATM
 
To transfer money between bank accounts
What is online banking?
 
Managing your bank account over the internet
 
Sending money through postal mail
 
Visiting a bank branch in person
 
Using an ATM for transactions
What is a "joint account" in banking?
 
An account held by two or more people
 
An account with high interest rates
 
An account for senior citizens
 
An account for minors
What is the difference between a debit card and a credit card?
 
DC: Linked with a Bank Account / CC: Borrow money
 
Debit cards have higher interest rates than credit cards.
 
DC: Online purchases / CC: In-person transactions
What is a checking account commonly used for?
 
Everyday transactions
 
Saving for retirement
 
Long-term investments
What is the interest rate?
 
The rate at which your savings increase
 
The rate at which you can borrow money
 
The rate at which your credit score changes
What does ATM stand for?
 
Automated Teller Machine
 
Autoridad de Transito Municipal
 
All-Time Money
 
Account Transfer Mechanism
What is the primary purpose of a savings account?
 
Saving money
 
Paying bills
 
Making purchases


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