Bibliographic citations
Campos, C., Huaman, R., Tipismana, R. (2022). Modelo prolab: Modelo de negocio para la prestación de servicios factoring de entidades financieras no bancarias al sector micro, pequeña y mediana empresa en el Perú [Pontificia Universidad Católica del Perú]. http://hdl.handle.net/20.500.12404/22423
Campos, C., Huaman, R., Tipismana, R. Modelo prolab: Modelo de negocio para la prestación de servicios factoring de entidades financieras no bancarias al sector micro, pequeña y mediana empresa en el Perú []. PE: Pontificia Universidad Católica del Perú; 2022. http://hdl.handle.net/20.500.12404/22423
@mastersthesis{renati/17123,
title = "Modelo prolab: Modelo de negocio para la prestación de servicios factoring de entidades financieras no bancarias al sector micro, pequeña y mediana empresa en el Perú",
author = "Tipismana Ayala, Rudy Omar",
publisher = "Pontificia Universidad Católica del Perú",
year = "2022"
}
The proposal of the B2B-type business model proposes the implementation of a Factoring platform supported by tools for self-managed digital identity in non-bank financial entities such as Cooperatives, municipal and financial savings banks, having as users Small and medium-sized companies (SMEs) in Peru. Factoring is a financial service whose presence has been increasing approximately 5 years ago, In the initial stage of the analysis carried out, which consists of eight chapters, it is observed that it is currently offered by banking entities with a greater presence in large and corporate economic sectors; However, this financial tool does not have a significant presence in credit products used by SMEs, a sector with high immediate liquidity requirements for short-term operational continuity. Subsequently, the level of requirement of the value proposition was analyzed, with the help of interviews carried out with executives in different non-bank financial entities, in addition to surveys of SME entrepreneurs, thus, the use and application of the Pool Lab methodology helped in the search for a possible solution that has a relevant impact on the organizations of the selected segment, determining the non-existence of a product similar to the proposed business model, Therefore, the use of the Business Model Canvas tool assisted in the determination of viability, sustainability and scalability, which supports the basis of the hypothesis to validate the desirability of the business model, structured in the marketing plans, operations, investment, financial and the result of the experiments employed. Finally, the research presents the social relevance of the proposal, concluding that the dissemination of the use of this tool, through non-bank financial entities, offers immediate solutions in a sector of vital importance for the country's economy, promoting formalization and increased employment in the sector.
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