Diseño de un modelo de negocios fintech innovador que fortalezca el proceso de inclusión financiera a través del proceso de captación de depósitos en la Cooperativa de Ahorro y Crédito Riobamba LTDA.

Abstract

Abstract:The present document presents a research study whose objective was to analyze the feasibility of implementing a Fintech model to strengthen the digital services of the Riobamba Ltda. Savings and Credit Cooperative, specifically in the capture of deposits and account openings. A mixed methodology with qualitative and quantitative approaches was applied, using a non-experimental design, descriptive level, and cross-sectional scope. A survey was conducted among 68 members with and without access to the app, as well as potential users; internally, semi-structured interviews were conducted with 30 employees of the head office. It was identified that 35% of the respondents believe that these two services are the most functional for incorporation into the app. At the institutional level, a strong point is that the cooperative already has a digital platform that can be integrated with new features without requiring high investment. The project structured using the Canvas model presented a positive NPV of $34,469.05 and an IRR of 31.3% in its financial analysis, indicators that confirm its viability. In conclusion, it is mentioned that the adoption of these fintech tools improves its capture of both investments and user acquisition, enhancing loyalty and having a positive impact on the financial sustainability of the cooperative.