Abstract
Banking is a topic that is booming thanks to the contribution of technology; taking this into account, about the payment of obligations, as a first step, we seek to identify the level of banking of the merchants of Florencia, Caquetá, about the payment of their duties, as well as to know which are their most used concepts and means of payment. Given this objective, to achieve the lines proposed in this research, it was essential to create a method that would adjust to the needs. From this perspective, the qualitative method played a fundamental role, given that an interview was carried out with digital means to a population sample of 361 inhabitants, with a validation of expert judgment. Thanks to this process, an analysis was made and some results were found, which were described in categories such as knowledge, benefits, means, and methods of payment, where it was possible to conclude that banking in the companies of Florencia, Caquetá, is not an easy process; due to the type of business, it faces users who do not perceive in the best way the use of financial instruments as a means of payment.