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

Abstract

Abstract: The present study aims to develop a business model that improves the process of financial and technological inclusion of Latinus SA in Ecuador. Using the CANVAS model, a methodology widely used by fintech companies, it was found that the incorporation of a new line of business based on a digital remittance platform allows for the financial inclusion of migrants and their families. The results also showed that the proposed business model is viable both technologically and financially. The study presents several practical implications. Management and investors, based on the results, can consolidate their digital payments and services business oriented to migrants, where competition is still limited. In addition, public policy makers will be able to develop initiatives that encourage the development of innovations in digital services, improving financial inclusion in Ecuador.