Modelo de negocio para un sistema de pago electrónico innovador a través de una Red Interbancaria líder de la integración tecnológica del Ecosistema financiero del Ecuador - Caso BANRED

Abstract

Abstract: This work develops a business model for an innovative, inclusive, and secure electronic payment system. It can be implemented after a thorough analysis by the Board of Shareholders of BANRED in Ecuador. The objective is to offer a solution that facilitates medium- and high-value transactions without the need for credit or debit cards, strengthening the loyalty of financial institutions and enhancing their brand. The research, conducted in Quito, used qualitative and quantitative methodologies, highlighting a focus group with financial specialists, potential clients, representatives of private businesses, suppliers, and key players in the financial ecosystem. Tools such as the Canvas Model were also applied to structure the business model and carry out strategic market analysis. The results indicate that the proposal improves the security, efficiency, and reach of the payment system, promoting financial inclusion and the digitalization of this sector. Furthermore, the model strengthens the adoption of digital payments, reduces dependence on cash, and contributes to the sustainable development of the financial ecosystem in Ecuador, positioning itself as a modern and reliable solution for transactions of such amounts.