Solución para la inclusión financiera de las personas naturales no bancarizadas: Las Fintech
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Date
2020-06-03
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Corporación Universitaria Minuto de Dios
Type
Thesis
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Atribución-NoComercial-SinDerivadas 2.5 Colombia
Abstract
Recientemente, la industria de servicios financieros en Colombia ha experimentado cambios sustanciales impulsados por la tecnología, lo que ha reducido en gran medida los costos operativos, proporcionando una mayor calidad, mayor eficiencia y mayor acceso e inclusión para servicios financieros, a través de las Fintech. El propósito de esta investigación es realizar una revisión general robusta de lo que ha sido este modelo de negocio emergente y analizar en profundidad cómo adaptarlo al contexto socio económico establecido en Colombia, teniendo en cuenta que ciertamente existe un impulso para alcanzar la "inclusión financiera", reclamada por todas las partes. También presentará una gama de recomendaciones mediadas a través de elementos centrales de las tecnologías financieras actuales.
Recently, the financial services industry in Colombia has undergone substantial changes driven by technology, which have greatly reduced operational costs, provided higher quality, increased efficiency and expanded access and inclusion for financial services, as abbreviated as Fintech. The bottom-line of this paper is to make a bright overview of what have been of this emerging business-model by introducing a whole financial tool which makes the most sense nowdays. Moreover, it will analyze in depth of how to adapt this new funding instrument to the socialeconomical context set in Colombia, taking into account there is certainly a push for reaching the “financial inclusión”, claimed from all sides. It will also pitch a range of recommendations mediated through core elements of current financial technologies.
Recently, the financial services industry in Colombia has undergone substantial changes driven by technology, which have greatly reduced operational costs, provided higher quality, increased efficiency and expanded access and inclusion for financial services, as abbreviated as Fintech. The bottom-line of this paper is to make a bright overview of what have been of this emerging business-model by introducing a whole financial tool which makes the most sense nowdays. Moreover, it will analyze in depth of how to adapt this new funding instrument to the socialeconomical context set in Colombia, taking into account there is certainly a push for reaching the “financial inclusión”, claimed from all sides. It will also pitch a range of recommendations mediated through core elements of current financial technologies.
Description
Analizar y diseñar orientaciones para la integración de las Fintech como alternativa para la
inclusión financiera y la mejora del desarrollo económico y social en Colombia.
Keywords
Bancarización, Fintech, Inclusión, Negocios, Fintech, Financial exclusión, Regulatory framework