Analysis · Perspective · Decisions
Understanding the economy to make better decisions
Independent economic and financial analysis of Ecuador, built on verified official data, by Jorge N. Muñoz Torres, MSc.
Four reports, one standard of rigor
Every report is delivered as a PDF, in Spanish and English, within the first five business days of each month.
Business opportunities
Sectors, projects and market signals with investment potential in Ecuador.
PDF · ES / ENEcuadorian banking
Liquidity, solvency, loan quality and profitability of private banks, with the analyst’s view.
PDF · ES / ENPESTEL analysis
Political, economic, social, technological, environmental and legal factors.
PDF · ES / ENScenario analysis
Base, upside and downside paths, with the triggers behind each one.
PDF · ES / EN
Jorge N. Muñoz Torres, MSc.
Economist, banker and financial executive with more than four decades of experience in commercial, international, investment and development banking. Founder of FINNOVARE and author of the reports under the Muñoz Second Brain signature.
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Strategy | Innovation | Fintech
© 2026 El Economista Digital · jmunoz@munozsecondbrain.com · Reports are for information only and do not constitute investment advice.