Repositorio Institucional Universidad EAFIT ::Examinando por Materia "Fintech"

Examinando por Materia "Fintech"

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Análisis de costos para los productos financieros tradicionales dentro de las Fintech colombianas, basado en el costo de servir : caso de estudio
(Universidad EAFIT, 2023) Zuluaga Vélez, Juan José; Durango Gutiérrez, María Patricia
Análisis de la implementación de la tecnología blockchain en la industria de bienes raíces : perspectivas y desafíos para el sector fintech
(Universidad EAFIT, 2024) Useche Rojas, Juan Camilo; Durango Gutiérrez, María Patricia
This work evaluates the impact of Blockchain technology, reviewing its principles, accelerated growth, and immediate and long-term direction, emphasizing a special focus on activating this technology for the real estate sector, through a descriptive, predictive, and fundamental analysis of pioneering companies in the field. This is supported by a financial modeling methodology backed by backtesting and market capitalization weighting, allowing the valuation of assets used by these companies over time and determining their stock market relevance. Finally, the results will be examined to conclude the current and future effect of Blockchain on the real estate industry, as well as its financial viability and feasibility, both in the United States and Colombia.
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.
Análisis de una técnica cuantitativa en el sector fintech colombiano para la evaluación de inversión
(Universidad EAFIT, 2022) Balmaceda Mosquera, Edwin Alberto; Durango Gutiérrez, María Patricia
This research aims to structure a model to assess startups, with a focus on Financial Technology or FinTech, which refers to the use of technology and innovation, applied to the transformation of traditional financial services and the creation of new experiences for finance at the service of consumers. These business initiatives play an important role in the country's economy, but they have substantial differences with traditional companies, because they are technology-based companies, and therefore have exponential growth. The valuation of these companies differs in relation to other ventures or traditional companies. The different methods used to prepare valuations are applicable to companies with a track record, which have historical financial information; but for companies in the early stage of financing (Start Up) or ventures, it is necessary to use other types of methods that are less dependent on historical information. The valuations of these companies are important because their strategic value or their real value can be estimated, according to the analysis of the financial statements; for this reason, it is a useful tool for conducting negotiations or finding new investors (Moscoso & Botero, 2013).
Análisis de viabilidad de un modelo fintech para el fondo de empleados de papeles nacionales y su impacto en la sostenibilidad financiera
(Universidad EAFIT, 2023) Ramírez Ocampo, Andrés Felipe; González Bermúdez, Lizeth Dayana; Granada Muñoz, Gloria Janeth; García Uribe, Juliana; Vergara Garavito, Judith Cecilia
Análisis jurídico del esquema de financiación colaborativa o crowdfunding financiero en Colombia
(Universidad EAFIT, 2021) Saldarriaga Taborda, Manuela; Nieto Nieto, Norma
Avanzando hacia una banca más inclusiva : el potencial del Open Banking en Colombia
(Universidad EAFIT, 2023) Sierra Madrid, Felipe; Jaramillo Restrepo, David; Gaitán Riaño, Sandra Constanza
Over the years, Colombia has displayed a remarkable evolution in its financial sector, progressively transitioning towards hyperconnectivity and the digitization of its financial ecosystem, in sync with the global digital trends. Amidst these transformative shifts, open banking has emerged as a standout concept, bringing substantial changes in the way we engage with financial products. This research undertaking is fundamentally driven by the aspiration to delve into the essence of open banking, leveraging successful cases from other Latin American countries, such as Mexico and Brazil, as our primary units of observation. Through meticulous analysis of the open banking practices in these regions, we endeavor to envision how this technology could be introduced to Colombia.Further insights have been gleaned from statistical data on financial inclusion, furnished by diverse institutions, including the Financial Superintendence of Colombia and the World Bank. This information offers a window into the Colombian population's readiness to embrace digital transformation when it comes to their banking instruments. Yet, it is imperative to acknowledge that certain technological infrastructure barriers may pose challenges to the efficient introduction of open banking in the country.
Características de la cultura de ciberseguridad en fintech colombianas
(Universidad EAFIT, 2023) Vargas Molina, Camilo; Uribe Orrego, Andrés Felipe; Manrique Tisnés, Horacio
Caso de estudio del dinero móvil de China e India comparados con la experiencia colombiana
(Universidad EAFIT, 2021) Vélez Angarita, Eddington David; Sánchez Bejarano, Gustavo Andrés; Cardona Prada, Juan Carlos
The process of digitization of products and services of the financial system were the prelude to the Digital Financial Services (DFS) to allow service providers to reach markets and populations without formal access to traditional financial services; the above generating the development of business models with value propositions focused on the customer, making full use of the technology to make affordable services to these populations. This research paper seeks from a qualitative analysis to understand how digital payments propitiated the scenario for the development of DFS. As well as referencing the implementation models of DFS that have contributed the most in its development. Specifically referencing the experiences of Wechat and Alipay in China and PayTm in India; seeking that this research serve as a guide to overcome the barriers that prevent development in Colombia as for the rest of Latin America.
Creación de una app Fintech de crédito por descuento de nómina para la empresa Créditos e Inversiones de Colombia (CICOLSAS), como estrategia de crecimiento empresarial
(Universidad EAFIT, 2022) Valencia Tovar, Diana Marcela; Gómez Guerrero, David Wady; Durango Gutiérrez, María Patricia
This research was developed with the aim of designing a fintech app that offers credit through payroll deduction, for Créditos e Inversiones de Colombia (Cicolsas), Colombian Credits and Investments (in English). To do so, descriptive-analytical research was conducted in three steps: (1) definition of the app structure and content, (2) design of a tool to measure credit risk for the app (using a logistic regression model), and (3) identification of the necessary capital structure and its cost (through a CPPC methodology). As a result of the research, it was possible to develop an app with a landing page and nine information modules. Three types of users can get access to it: registered clients, non-registered clients, and administrators. It was integrated a credit scoring into the app, built with the historical information provided by Cicolsas. This credit scoring has sixteen predictive variables that allow the assessment of new clients’ default likelihood. Finally, an investment proposal of 1000 million COP has been established, funded with third-party and the company’s own resources, in a 50/50 proportion. This investment proposal has a global capital cost equivalent to 9,078% E.A.
Crecimiento de la banca digital en Colombia : un estudio comparado con el caso mexicano.
(Universidad EAFIT, 2019) Bayona Maldonado, Laura Cristina; Vanegas Niño, Oskar David; Gaitan Riaño Sandra Constanza
This document analyzes the growth of digital banking in Colombia; Nequi, a digital subsidiary of Bancolombia, was studied as a case study, and a comparison was made with the case of Bancomer móvil de México, whose experience has received multiple recognitions and awards. The text addresses the factors that influenced this growth of digital banking, the organizational and structural transformations suffered by banking entities for immersion in mobile platforms, the services offered by Nequi and Bancomer when it comes to consolidating in the market and an assessment of Bancolombia and Bancomer in the financial market. The results show that Bancolombia, from the point of view of the analysis of the phenomenon of digital banking in the social, economic, organizational and financial dimensions, still has a great margin to grow in the world of fintech.
Desarrollo de un esquema de gamificación usando componentes de behavioral finance para la empresa Monihub SAS
(Universidad EAFIT, 2021) Unigarro Fajardo, Diana Genith; Peña Higuavita, Germán Adolfo
Desarrollo y evaluación de un modelo de scoring para el otorgamiento de crédito a poblaciones vulnerables : caso fintech del instituto para el Desarrollo de Antioquia (IDEA)
(Universidad EAFIT, 2024) Maya Osorio, Karla María; Osorio Ramírez, John Alexander; Álvarez Franco, Pilar; Cruz Castañeda, Vivian
Desempeño de las fintech desde una metodología de balanced scorecard
(Universidad EAFIT, 2020) Quintero Márquez, Valeria; Gómez Cardona, Ana María; Ospina Mejia, Jaime Alberto
Diagnóstico sobre la inclusion financiera de las microempresas en el Área Metropolitana del Valle de Aburrá desde una óptica de su acceso y uso de productos financieros
(Universidad EAFIT, 2025) Garro Betancur, Elizabeth; Rave Arango, Natalia; Giraldo Hernández, Gina María; Johnson García, Santiago
The objective of this study is to diagnose the access and use of financial products related to savings, credit, and investment by micro-entrepreneurs in the “Aburrá Valley”, with the aim of contributing to their financial inclusion. Possible causes for the low access and use of financial products include factors such as financial education, the limited availability of products tailored to the needs of micro-entrepreneurs, their economic barriers, macroeconomic variables, risks of non-compliance, and geographic or infrastructural restrictions, among others. Through various methodologies, an analysis was conducted to better understand these limitations and provide recommendations to facilitate the access and use of financial products by micro-entrepreneurs in the metropolitan area of “Aburrá Valley”. Based on the results obtained, several conclusions have been drawn. It is expected that banks will design a more tailored and segmented offering that better meets the real needs of micro-entrepreneurs, supporting them in managing their businesses through a deeper understanding of their sector and providing them with tools to improve their financial literacy. Additionally, it is essential that microfinance institutions, cooperatives, and corporations continue advancing in digitalization and the use of technology to offer more competitive products in terms of interest rates. For their part, Fintech companies must take on a more significant role in offering savings, credit, and investment alternatives for micro-entrepreneurs.
Diseño de modelo de actuación comercial en una Fintech enfocada en la comercialización masiva de productos financieros
(Universidad EAFIT, 2022) Serna Calvete, Jennifer Katherine; Orozco Echeverry, César Augusto
Diseño del componente de gestión de riesgo de mercado del modelo de ALM para una fintech de microcrédito
(Universidad EAFIT, 2025) Insuasti Vinueza, Juan Sebastián; Villamil, Fernando Alonso
Diseño del servicio en el negocio de las fintech : PaoPresta
(Universidad EAFIT, 2021) Betancourt Villamil, Paola Andrea; Cárdenas González, Yeffer Alberto; Giraldo Hernández, Gina María; Cadavid López, Ángela María; PaoPresta
Financial services have changed over the world. Currently, there are more companies that provide financial services through technological tools, without being a bank, which are known as fintech. PaoPresta is a Colombian fintech that lends up to 300.000 COP for a maximum 30 days. Nowadays, it has 46 VIP clients. Due to the knowledge of these VIP clients, a better market segmentation is sought. At the same time, through the Service Design, the retention of these clients is expected, and offering an optimal experience for users, will allow to consolidate a unique value proposition in the fintech market.
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.
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.

Examinando por Materia "Fintech"

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