Modelo de negocio como oportunidad de mejora para el proceso de inclusión financiera y tecnológica de la empresa Fintech Sammas.

Abstract

Abstract: Crowdlending platforms generate opportunities for financial inclusion for the micro, small and medium-sized industries, and present new forms of investment for the private sector. The goal of this work is to generate a business model as an opportunity for improvement for financial inclusion of the collaborative financing model of the fintech company SAMMAS. This project takes a qualitative approach, the scope of the project is descriptive on the search of an appropriate business model for financial sustainability and Fintech development and applies the inductive method to obtain conclusions from the facts studied. The project delivers a triple-layered business canvas with a financial, environmental, and social focus. The results show that the proposed business model is limited by market conditions, which reduces the probability of success of the initiative subjected to a structural change in the investment culture of the country and identifies that the regulatory environment still needs to be developed to let operate collaborative financing initiatives in Ecuador.