Modelo de Negocio Fintech innovador que mejore el nivel de procesos de inclusión y educación financiera para los Socios de la Cooperativa Jardín Azuayo del Cantón Naranjal a través de una App

Abstract

Abstract: This study identifies how the innovative Fintech model can improve the level of inclusion and financial education for members of the Jardín Azuayo Savings and Credit Cooperative in the Naranjal canton. This study uses descriptive and analytical research, a non-experimental design, and a mixed approach, applying inductive and deductive methods. A survey technique was used on a sample of 374 members, finding that only 18.20% of members have received financial education, highlighting the need for accessible educational tools. Furthermore, according to the market study, 95% are willing to purchase the application. Based on these findings, the JA Smart Finanzas model was developed based on personalized educational content strategies, financial simulators, and budget planning. Concluding, the project's viability is demonstrated by positive financial indicators such as an NPV of 33,323.57, an IRR of 37.24%, and a desirability index of 1.95. Beyond the economic aspects, the project aims to deliver a high-quality digital experience that contributes to strengthening financial inclusion.