Examinando por Materia "Banca tradicional"
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Ítem Análisis comparativo entre la propuesta de valor de la banca tradicional y la de la banca Fintech en Colombia(Universidad EAFIT, 2022) Ospina Naranjo, Mónica María; Uribe de Correa, Beatriz Amparo; Llano Naranjo, NicolásÍtem Caso de comparación el sistema de pagos digital entre Colombia y China desde la perspectiva de la promoción a la inclusion financiera(2019) Zapata Roldán, Marcela; Durango Gutiérrez, María PatriciaThis paper aims to present the progress of the digital payment system in Colombia, compared to the People's Republic of China. Initially, a count is made of the beginning and evolution of the payment system in both countries. Next, we will proceed with the identification and analysis of the platforms that have been implemented by the different financial entities of the traditional banking system and the regulations that have governed this system. Finally, it analyzes the impact that the digital payment system has generated in the Colombian economy, taking as reference four financial entities, to conclude the use of mobile telephony, it is the most promoted payment system in the national market.Ítem Elementos claves en la evaluación de la rentabilidad a partir de la implementación de la banca digital en la banca tradicional : caso de aplicación en bancos colombianos.(2019) Quijano Ayala, Paula Andrea; Dávila Jiménez, Lina Fernanda; Orozco, CésarColombia, a developing country, is currently in the stage of transformation to digital banking, which leads to a process that must be faced by all actors in the financial sector. This paper presents the conditions of banking in Colombia and the coverage it has for users, delimiting its scope to four banks: Bancolombia, Banco de Occidente, Davivienda and Bancoomeva. In addition, it shows the evolution of traditional banking and the effects of its digital transformation. At the same time, a comparative analysis is carried out, on how based on fintech (technological finances), the banking sector has seen the need to change the strategy of attracting users. Likewise, the results of a survey are included where the willingness of the users surveyed in the change from traditional to digital banking is determined.Ítem Evaluación del crowdfunding como alternativa de financiación para las Pymes colombianas del sector energético, que desarrollan proyectos de eficiencia energética y fuentes no convencionales de energía renovable(Universidad EAFIT, 2020) Juliao Moreno, Gianella del Pilar; Mora Cuartas, Andrés MauricioThis work evaluates crowdfunding as a source of alternative funding for small and medium-sized enterprises (SMEs) that develop energy efficiency and renewable energy projects by identifying the best international practices and contrasting them to Colombian’s regulation and implementation. In order to define the viability of this financing structure, it is developed a case study of a solar photovoltaic project through performing a sensitivity analysis of different scenarios. In the following chapters, the Colombian energy market, the typology of green projects, the current contracting, operating and financing scheme for energy services companies are described in order to contextualize the technical and financial aspects of crowdfunding. In addition, the features of the Fintech ecosystem and the crowdfunding segment are also explained, analyzing the market conditions, the main international stakeholders and the degree of advance in the Colombian financing system. Finally, in order to link all the above-mentioned concepts, the gaps under the current Colombian energy market conditions are described according to the current regulation of the collaborative financing system (Law 1357, 2018). This allows proposing alternative solutions and opportunities to enable the participation of ESCOs in the Fintech ecosystem and the development of green projects and their financial sustainability.Ítem Las Fintech como alternativa de financiación para las MiPymes colombianas(Universidad EAFIT, 2022) Mondragón Silva, Lorena; Pechene Velasco, Brayan Emilio; Cardona Montoya, Raúl ArmandoThe term Fintech is becoming increasingly important in financing services for MiPymes; in Colombia, these alternatives have allowed investors to support companies, financing them in the short term. The objective of this research is to know the perception that MiPymes have with the financing services Fintech; to achieve this, a survey was made to 121 companies at the national level, managing to identify the main difficulties, characteristics and periodicity at the time of applying for financing in traditional banking; in addition, in order to compare the financing services offered and their characteristics of Fintech companies, 17 organizations were analyzed, identifying advantages and disadvantages of these versus traditional banking. In this research it was identified that, although there is a great boom of Fintech in the country, there is still high ignorance about Fintech and the variety of financing products that can be purchased through these intermediaries.Ítem Una mirada teórica al fintech en Colombia(Universidad EAFIT, 2019) Espinal, Carlos Andrés; Durango Gutiérrez, María PatriciaThis paper presents an approach to the new companies that venture into the global financial market, the so-called fintech. Definitions of the term fintech are presented both of academic authors and of business sector and some classifications given to these companies are exposed in order to propose a classification for the Colombian market, according to the segment of the financial market to which they provide their service. Identify all fintech companies in Colombia would be a difficult task, so were mapped the associated with the Asociación Colombia Fintech and they were cataloged according to the classification proposed for Colombia. Finally, four impacts that fintech have had on traditional Colombian banking were identified and analyzed. For this purpose, banks Bancolombia, Davivienda and BBVA were taken as reference, in order to give a quantitative approximation of these impacts.