Modelo de negocio Fintech innovador como oportunidad de mejora para el proceso de inclusión financiera y tecnológica en el otorgamiento de crédito en la Cooperativa de Ahorro y Crédito CREDIMÁS

Abstract

Abstract: This work explores the impact of an innovative Fintech business model on the improvement of financial and technological inclusion processes in the granting of credit in the CREDIMÁS Savings and Credit Cooperative, in the face of the current challenges it faces the cooperative sector, especially in terms of accessibility and efficiency, this work proposes the integration of advanced technologies and agile methodologies that can generate access to credit for the least served segments of society, in addition, focuses in the review of the entity's existing policies and procedures, identifying gaps and significant improvement opportunities. This model not only seeks to optimize processes internal, but also expand the reach and social impact of the cooperative, promoting financial inclusion through technologically accessible solutions. The results suggest that the implementation of this Fintech model could result in an improvement significant in efficiency, reduction in operating costs and an increase in satisfaction of partners, which highlights the importance of adapting to technological trends in the cooperative sector.