Examinando por Materia "BANCOS - INNOVACIONES TECNOLÓGICAS - COLOMBIA"

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    Ítem
    Análisis de riesgos asociados al microcrédito al incursionar en la banca digital : caso Banco W - Colombia
    (Universidad EAFIT, 2019) Miranda Hurtado, Diana Marcela; González Orozco, María Viviana; Durango Gutiérrez, María Patricia
    This paper aims to determine for Banco W a model for identifying the risk of microcredit when entering digital banking and its focus is to identify the differences with traditional banking. Reference is made to the main aspects related to the administration of microcredits in Colombia and how it influences the bankarization of independents and microentrepreneurs. It also explains how traditional banking prepares to evolve, through fintech and mobile banking. Finally, a descriptive model is proposed using a sample of Banco W's clients to identify the acceptance of the bank's products from digital platforms. It is concluded that ignorance and access are the main engines for the disuse of digital banking.
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    Ítem
    Efectos de la digitalización en el desempeño financiero : caso Bancolombia S. A. : Curso de verano : el futuro de la banca digital (Fintech)
    (Universidad EAFIT, 2019) Serna Mesa, Juan Diego; Sierra Tapias, Victor Alonso; Luna Uribe, Rafael Alberto
    The digitalization of financial services is a global phenomenon with such accelerated growth that forces banks to seek the transformation and structuring of their financial products using technology. This change is of great importance for global economic development, given the demand of the financial market and the high competition for the entry of new players such as Fintech. Due to this, it has become necessary for banks to evaluate and adjust their business models in a way that allows them to be at the forefront, maintain their market share and be competitive in such a changing environment. This paper analyzes the transformation of the business model of one of the main banks in Colombia through the adaptation or transformation of its products in relation to the digitalization processes of its services and the effects of these on their financial performance.
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    Ítem
    El impacto de las Fintech en el crecimiento de los productos en la banca privada colombiana : ¿Simbiosis perfecta? = The impact of fintech on the growth of products in colombian private banking. Perfect symbiosis?
    (Universidad EAFIT, 2019) Ramos Arana, Ximena Stephani; Montaño Cuero, Fernando; Trespalacios Carrasquilla, Alfredo
    The advent of new technologies has allowed the emergence of the Fintech industry. This industry, initially seen as competition, has taken its interaction with customers to the internet, social networks and mobile applications, which has allowed complementing the services of Colombian banking, improving its efficiency and reducing its costs. In this paper, an analysis about the role that Fintech has had in the growth of savings accounts and CDTs in Colombia is made, as well as the performance of the four banks with greater appropriation of the new technologies: Bancolombia, Banco de Bogotá, BBVA and Scotiabank Colpatria. A mixed, quantitative and qualitative methodology is implemented, based on secondary sources and that allow even knowing the users' perception. It is found that the implementation of Fintech in traditional banking generated a symbiotic relationship and represents a tool with great potential to generate financial inclusion and improve banking services. Likewise, there are challenges to reach a true technological transformation in pillars such as regulation, corporate culture, financial disintermediation, financial risks and consumer protection.
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    Pilares estratégicos en la transición de la banca tradicional a la banca digital en una filial del Banco de Occidente y una filial del Banco BBVA Colombia
    (Universidad EAFIT, 2019) Benavides Gaviria, Daniel Fernando; Flor García, Gustavo Adolfo; Vergara Garavito, Judith Cecilia
    The world and Colombia are evolving significantly towards digital banking, with an increasingly crucial infrastructure and financial regulation according to this transition, becoming the main factor for the development of favorable financial results. However, the transition to digital banking has not happened at the same rate for all financial institutions in the country, which is why this proposal analyzes the digital strategies used, as well as the results obtained under a base of four pillars. These pillars are known as open innovation, clients, employees and the operational process and redesign of the offices, focused on two entities that are the headquarters of Banco de Occidente (national 2 bank) and a subsidiary of Banco BBVA (Banco Internacional) in the city of Cali. The two entities show favorable results, although with a different advance. Banco BBVA Colombia confirms that it is a leader in Colombia in digital transformation, while Banco de Occidente has been operating for two years with a digital transformation process that is just beginning to generate its first results.