Modelo de negocio como oportunidad de mejora para el proceso de inclusión financiera y tecnológica de la Fintech TIKEE S.A.S.

Abstract

Abstract: This research project analyzes financial inclusion in Ecuador and proposes an innovative business model for a Fintech company to improve this aspect through a mixed methodology that combines qualitative and quantitative analysis, diagnosing the current situation of financial inclusion and identifying factors that promote innovation in the Fintech sector. The study included the elaboration of the Canvas Matrix for the new business model and the economic-financial evaluation in three different scenarios. The results show that Fintechs have a significant potential to improve financial inclusion in Ecuador, facilitating access to financial services for diverse populations; as well as highlighting the positive feasibility of integrating a new business model for this Fintech generating a high rate of innovation and high impact potential.