Modelo de negocio fintech innovador que fortalezca el proceso de gestión financiera de pagos y cobros en la Oficina Contable ContiCont

Abstract

Abstract: This research studies how the application of a Fintech business model can improve the financial management of payments and collections within the office. The initial problem is the reliance on manual tasks, which cause delays, errors, and limited information security. To address this, theories on digital technology were reviewed, digital surveys were conducted with clients, and a financial analysis of the investment was carried out. This process made it possible to identify key needs such as banking connectivity and reliable processes. From the development of baseline, optimistic, and pessimistic financial scenarios and through indicators such as the Internal Rate of Return, Net Present Value, and Minimum Acceptable Rate of Return it was confirmed that the model is both profitable and viable, even under less favorable conditions. Furthermore, the surveys revealed that most clients already have smartphones and internet access, facilitating the adoption of this model. In conclusion, the proposed Fintech model not only improves accounting processes and the management of payments and collections but also strengthens client trust and creates value for the office by enhancing liquidity and generating an increase in profits.