Modelo de negocio como oportunidad de mejora para el proceso de inclusión financiera y tecnológica de la empresa Fintech Sistec-Smartbill

Abstract

Abstract: The rise of financial technology (Fintech) has radically transformed the way people access and manage financial services, being a crucial driver for financial inclusion and education that facilitates the integration of segments of the population that are not taken into account. The purpose of the study is to design a business model as an improvement opportunity for the financial and technological inclusion process of the Fintech company Sistec-Smartbill in the Ecuadorian context through the use of the Canvas canvas as a guiding method to facilitate the growth strategy and continuous adaptation in the e-invoicing sector in Ecuador. The results indicate that the implementation of the new e-invoicing system is not only financially viable and profitable, but also promotes financial and technological inclusion, improving service to a growing demographic group.