Modelo de Negocio con enfoque Fintech para la mejora de procesos de Crédito de la Cooperativa de Ahorro y Crédito Nizag Ltda

Abstract

Abstract: The work consists of developing a business model to improve the credit process at COAC NIZAG Ltda., seeking that credit management can evolve positively; through innovation and adapted to new technologies, development of credit products closer to clients, with a focus on financial inclusion and having a modern business model with a focus on Fintech, hoping that the cooperative will be able to establish planning, control actions and more effective monitoring. The theoretical framework focuses on financial inclusion, in the concept of Fintech companies, and the Canva methodology as the basis for the development of the model. also, a characterization of the study unit, the COAC NIZAG, is made so that, based on its organizational structure, the operational activities of the credit area and its characteristics can be recognized. Finally, the business model for the credit area is developed with a Fintech approach, proposing a process that recognizes the needs, addresses them with an adequate design and is validated to guarantee that its applicability meets the objective of improvement of said area.