Implantation of Information Systems in the Popular Financial Sector: Two Case Studies Based on the SImplE Framework

Abstract

The failure of information system implantations in small-scale organizations, such as savings and credit cooperatives, remains a recurring challenge in Latin America, primarily due to a lack of awareness and the underutilization of structured frameworks. This article presents two case studies conducted in Ecuadorian Segment 5 cooperatives to analyze their experiences in adopting financial management software using the SImplE framework (Simple Implantation of Enterprise IT Applications in SMEs) as an analytical reference. Although each cooperative carried out the implantation process empirically and under the guidance of its technology provider, the SImplE model enabled a structured analysis across three phases: pre-implantation, implantation, and post-implantation. The research employed a qualitative methodology, based on semi-structured interviews and document analysis. Findings reveal that the absence of formal planning, ad hoc definition of system requirements, empirical software selection, and the lack of written contracts all contributed to the system's long-term sustainability. Nonetheless, the implantation was made possible through institutional commitment and technical support. The study concludes that proper software selection, a well-managed stabilization phase, and the adoption of structured frameworks such as SImplE are critical factors for improving the effectiveness, continuity, and scalability of technology implantation processes in resource-constrained organizations.