Modelo de negocio innovador para mejorar el proceso de inclusión financiera en la Fintech Aval S. A.

Abstract

Abstract: This paper investigates how the business model of the fintech Dataexperto Aval can incorporate new projects to improve its solvency. Specifically, it seeks to introduce a new product, which helps to innovate the company's business model, including services to a new public, which are microenterprises, and introducing a new method of financing, which helps both the sustainability of microenterprises in the country, and improves the financial inclusion of this sector, which has been marginalized in the country. It uses a descriptive, analytical and explanatory approach, based on retrospective studies of past financial statements. The deductive method will be applied, combining theories and global data with the specific analysis of the company. The sources of information are secondary, obtained from books, internal records and financial bulletins. Data processing techniques in Excel will be used to develop a business model. The financial analysis includes a financial analysis of the project, and an assessment of the cost of capital (WACC). The research highlights the importance of strategic alliances and proposes recommendations to improve financial inclusion and education on Fintech platforms.