Examinando por Materia "Finanzas abiertas"

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    Estudio de prefactibilidad para la creación de una empresa Fintech basada en open finance en Colombia
    (Universidad EAFIT, 2025) Quiñónez Ávila, Jhonatan; Salazar Gómez, Francisco Javier; Uribe de Correa, Beatriz Amparo
    This prefeasibility study analyzes the viability of creating a fintech company boosted by open finance in Colombia. The main objective is to determine whether providing services supported by this model is sustainable from a technical, legal, and financial perspective. To achieve this, market, technical, administrative, and legal analyses were conducted, along with financial projections under different scenarios. The market analysis showed an opportunity for a personal finance management tool supported by open finance, enhanced by the current regulatory framework that facilitates the interoperability of banking data. A freemium monetization strategy was selected, allowing for the acquisition of a broad user base through a free service while generating revenue from premium plans. From a technical standpoint, a scalable architecture based on cloud microservices was proposed to ensure operational efficiency and adaptability. On the legal side, the regulatory requirements for operating within Colombia’s legal framework were identified, including data protection and business incorporation requirements. The financial analysis indicated that the project is viable, with an internal rate of return (IRR) higher than the opportunity cost. However, the scenario analysis highlighted that profitability depends on customer acquisition and the effectiveness of the conversion strategy. In conclusion, the study confirms that the creation of this fintech is feasible and represents a business opportunity within Colombia’s financial ecosystem, provided that adequate user acquisition and retention strategies are implemented.