Big data y política de competencia: análisis de los efectos de red como posible barrera de entrada en los SAP

The interaction between Big Data and network effects within the framework of ancillary payment systems (APS) can act as barriers to entry and thus limit the entry of new players into the market, thereby consolidating the dominance of incumbents and distorting effective competition. The research suggests that public policy must respond effectively to the unique challenges of the digital economy, thus specific adaptations are proposed to ensure that markets remain dynamic and fair. Therefore, it is desirable that Ecuador's competition policy framework promote interoperability and portability between payment accounts, as well as reduced switching costs for user migration between platforms and an open finance architecture through the use of APIs to counter structural barriers and protect technological innovation without harming economic welfare and free competition.