Diseño de un modelo de negocio Fintech para potenciar la inclusión financiera en la comunidad rural Guadalupe, Zamora, un enfoque en pagos digitales y servicios bancarios alternativos

Abstract

Abstract: This research proposes the design of a Fintech business model that enhances financial inclusion in the rural community of Guadalupe through the use of digital payments and alternative banking services, tailored to the needs and socioeconomic characteristics of the population. Using descriptive and analytical research, with a non-experimental design and a mixed-method approach, a survey was used as a data collection technique, applied to 364 community residents. It was found that 32% have never used a digital payment application and 83.5% are interested in using one. The financial indicators obtained reveal the project's viability, given that the NPV generates a positive value, indicating that the projected cash flow exceeds the initial investment amount. The IRR of 64% is a high percentage that exceeds the WACC, reinforcing the project's suitability. The RI of 3.07 demonstrates the efficient use of capital and confirms RuralPay's efficiency and financial attractiveness.