Modelo de negocio Fintech para fomentar el proceso de educación financiera en niños de 9 a 12 años de la Unidad Educativa Dra. Matilde Hidalgo de Procel de la ciudad de Loja: Diseño de una aplicación interactiva de ahorro y formación financiera

Abstract

Abstract: This Fintech business model is based on the design of an interactive mobile app dedicated to financial literacy and savings for children ages 9 to 12, through the generation of gamified educational content and an accessible, engaging, and secure interface. By assessing the children's financial literacy level, it was possible to identify the areas that require more attention, such as basic knowledge (budgeting and compound interest), consumer awareness, and the development of long-term thinking. It also identified the needs and preferences that users require from the app. The development of the business idea and the development of market research, a marketing plan, and a financial analysis determined that the project is quite attractive to investors, has great potential for scalability, and is a pioneer in this innovation in the area. In conclusion, its implementation contributes significantly to financial inclusion, the economic sustainability of the area, and the creation of a family environment with healthy and responsible financial habits.