Modelo de negocio Fintech innovador como oportunidad de mejora para el proceso de inclusión financiera y tecnológica del Consorcio Jurídico "Coello & Asociados

Abstract

Abstract: Due to technological and financial evolution, Fintech companies and strategies have become greatly representative in day-to-day business management. Therefore, the present work aims to design an innovative Fintech business model as an opportunity for improvement for the process of financial and technological inclusion of the Legal Consortium "Coello & Asociados", which has experience in civil, commercial, public operations, and in judicial and extrajudicial collection operations in the city of Machala, province of El Oro. The methodology was qualitative, crucial for the adoption of a program that combines CRM+AI criteria, as is the case of Intiza, a software for portfolio collection management and automation that proposes statistical collection reviews in real time, portfolio management and segmentation, reminders, etc. This would significantly improve the return on business investment by at least more than 40% of the amount invested for each share, providing great benefits for the company in question and for its budget, thus demonstrating the feasibility of the Fintech model for the consortium's operations.