Modelo de negocio Fintech innovador como oportunidad de mejora para el proceso de inclusión financiera y tecnológica del Colegio Particular Antonio Peña Celi

Abstract

Abstract: This study examines the potential for implementing a Fintech solution at Colegio Particular Antonio Peña Celi, aimed at streamlining tuition and fee payments while offering complimentary financial literacy programs for both parents and students. A comprehensive market analysis, including a comparative assessment with the Fintech platform Bamboo, indicated a favorable inclination towards embracing such technological innovations. Nevertheless, key financial metrics namely Net Present Value (NPV), Internal Rate of Return (IRR), and Benefit-Cost Ratio (BCR) demonstrated that the initiative lacks feasibility and does not allow the viability of the project. Vulnerability assessments exposed the project's susceptibility to escalating expenses and diminishing revenues, emphasizing the critical need to enhance fiscal management strategies and investigate alternative approaches to bolster its overall feasibility.