Propuesta de innovación al proceso de cobranzas de pensiones por servicios educativos, para reducir la cartera vencida y la falta de compromiso de pago en la Unidad Educativa Sagrado Corazón de Jesús Bethlemitas Quito

Abstract

Abstract: The purpose of this research was to design an innovation project for the current tuition fee collection process for educational services, with the objective of reducing overdue accounts receivable and strengthening parents compliance with their financial obligations to Sagrado Corazón de Jesús Bethlemitas Quito Educational Institution. The analysis revealed that the collection and payment recording process is performed manually, resulting in payment registrations taking between 24 and 48 hours, and only after payment validation. Furthermore, the lack of automation negatively affects the efficient recovery of outstanding accounts. The research was conducted using a qualitative approach supported by a literature review, an analysis of the internal and external environment, and semi-structured interviews with parents and the institution s collections staff. The findings identified opportunities to implement digital payment channels, improve communication, and automate collection processes, thereby enhancing the overall user experience. As a result of this analysis, the proposal Bethlemitas in the Digital Era was developed. This project is based on the digital transformation of the tuition fee collection process through the integration of a payment gateway, payment button, QR code payments, automatic transaction validation and recording, and efficient communication tools for parents. This initiative aims to improve the user experience, reduce manual processes, and enhance the institution s financial liquidity. A strategic and financial analysis demonstrates that the project is feasible and capable of generating significant benefits by reducing delinquent accounts through the implementation of technological solutions and the modernization of the collection process.