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Canchari, V., Gonzales, L., Luna, G. (2021). Plan de negocios, implementación de una fintech de inclusión financiera [Tesis, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/658952
Canchari, V., Gonzales, L., Luna, G. Plan de negocios, implementación de una fintech de inclusión financiera [Tesis]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2021. http://hdl.handle.net/10757/658952
@mastersthesis{renati/1291609,
title = "Plan de negocios, implementación de una fintech de inclusión financiera",
author = "Luna Sanchez, George Steven",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2021"
}
Title: Plan de negocios, implementación de una fintech de inclusión financiera
Other Titles: Business plan, implementation of a financial inclusion fintech
Authors(s): Canchari Polo, Vanessa Milagros; Gonzales Cárdenas, Luis Fernando; Luna Sanchez, George Steven
Advisor(s): Paredes Zúñiga, David Eduardo
Keywords: Inclusión financiera; Disrupción financiera; Innovación tecnológica; Fintech; Startups; Financial inclusion; Financial disruption; Technological innovation
OCDE field: https://purl.org/pe-repo/ocde/ford#5.02.04
Issue Date: 16-Dec-2021
Institution: Universidad Peruana de Ciencias Aplicadas (UPC)
Abstract: Esta investigación muestra la factibilidad para la implementación de una Fintech de inclusión financiera denominada Sika Finance. Plataforma tecnológica que permite acceder a una evaluación para otorgar créditos 100% en línea a un público exclusivamente femenino, con el objetivo de crear y facilitar oportunidades de empoderamiento a las mujeres de nuestro país.
Es preciso mencionar que la industria en el Perú se encuentra en proceso de crecimiento y aún no se encuentra regulada. El análisis del entorno de la industria indica que es un mercado atractivo y en crecimiento, prueba de ello es que durante el 2020 “el 18% de los USD46 millones colocados en Venture Capitals fueron destinados a la industria de las FinTechs, solo por debajo de EdTech (40%) y comercio electrónico (27%), ambos fundamentales en el contexto del COVID-19”. (Ministerio de Relaciones Exteriores, 2021)
El estudio de mercado muestra que la FinTech se encuentra en gran proyección de desarrollo acelerado. Asimismo, de las encuestas realizadas se obtiene que el 71.54% de mujeres de nuestro público objetivo tiene una habilidad innata del lenguaje y del entorno digital, el avance tecnológico ha provocado que en todos los segmentos de la población adopten la tecnología y accedan al uso de aplicaciones y dispositivos TIC. Por tanto, la presente propuesta se alinea a sus necesidades. Por otro lado, se observa que la preferencia de créditos oscila en importes de S/ 500.00 a S/ 2,000.00 con plazos menor a 12 meses por lo que representa una oportunidad relevante de negocio.
This research shows the feasibility for the implementation of a Fintech Sika Finance for financial inclusion. A technological platform that allows access to an evaluation to grant credits 100% online to an exclusively female audience, intending to create and facilitate empowerment opportunities for women in our country. It is worth mentioning that the industry in Peru is in the process of growth and is not yet regulated. The analysis of the industry environment indicates that it is an attractive and growing market, proof of this is that during 2020 “18% of the USD46 million placed in Venture Capitals went to the FinTech industry, only below EdTech (40%) and electronic commerce (27%), both fundamental in the context of COVID-19 ” (Ministry of Foreign Affairs, 2021). The market study shows that FinTech is in great projection of accelerated development. Likewise, from the surveys carried out, it is obtained that 71.54% of women in our target audience have an innate capacity for language and the digital environment. Technological advances have caused all segments of the population to adopt technology and access the use of ICT applications and devices. Therefore, this proposal is aligned with your needs. On the other hand, it is observed that the preference for loans ranges between S / 500.00 and S / 2,000.00 with terms of less than 12 months, which represents a relevant business opportunity.
This research shows the feasibility for the implementation of a Fintech Sika Finance for financial inclusion. A technological platform that allows access to an evaluation to grant credits 100% online to an exclusively female audience, intending to create and facilitate empowerment opportunities for women in our country. It is worth mentioning that the industry in Peru is in the process of growth and is not yet regulated. The analysis of the industry environment indicates that it is an attractive and growing market, proof of this is that during 2020 “18% of the USD46 million placed in Venture Capitals went to the FinTech industry, only below EdTech (40%) and electronic commerce (27%), both fundamental in the context of COVID-19 ” (Ministry of Foreign Affairs, 2021). The market study shows that FinTech is in great projection of accelerated development. Likewise, from the surveys carried out, it is obtained that 71.54% of women in our target audience have an innate capacity for language and the digital environment. Technological advances have caused all segments of the population to adopt technology and access the use of ICT applications and devices. Therefore, this proposal is aligned with your needs. On the other hand, it is observed that the preference for loans ranges between S / 500.00 and S / 2,000.00 with terms of less than 12 months, which represents a relevant business opportunity.
Link to repository: http://hdl.handle.net/10757/658952
Discipline: Maestría en; Administración de Empresas
Grade or title grantor: Universidad Peruana de Ciencias Aplicadas (UPC). Escuela de Postgrado
Grade or title: Maestro en; Maestro en Administración de Empresas
Register date: 15-Feb-2022
This item is licensed under a Creative Commons License