Modelo de negocio Fintech innovador para mejorar el sistema de cobros de pensiones en la unidad Educativa particular Jerusalén de la ciudad de Milagro

Abstract

Abstract: This paper proposes an innovative Fintech business model to improve the tuition collection system at the Jerusalén Private Educational Unit in the city of Milagro. A mixed-methods approach was used, employing inductive, analytical, and synthetic methods. A survey was administered to parents, and interviews were conducted with school staff. The results show strong acceptance of implementing a payment platform. 86% of respondents expressed interest in using it, 91.6% valued its 24/7 availability, and over 80% believed it would improve the collection process. The institution is financially sound; however, the majority of its current assets are overdue accounts receivable, and part of its collection process is currently manual. The proposal consists of a payment application that includes various options, as well as payment reminders and digital receipt issuance. The financial projections show an IRR higher than the opportunity cost, therefore the project is considered viable.