Examinando por Materia "SERVICIOS BANCARIOS"
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Publicación Análisis de la educación e inclusión financiera en Colombia como insumo para el proyecto de investigación en educación financiera escolar de Eafit Social(Universidad EAFIT, 2019) Touriño Uribe, Silvana Daniela; Dávila Román, José María; Vargas Sáenz, Mario EnriqueIn Colombia, as in many parts of the world, we are aware of the need to encourage more people to have access to useful and affordable financial products and services that respond to the identified needs of the population. However, in Latin America, only five countries have a defined national strategy.Ítem 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 ConstanzaOver 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.Publicación Caso de comparación el sistema de pagos digital entre Colombia y China desde la perspectiva de la promoción a la inclusion financiera(Universidad EAFIT, 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.Publicación 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 ConstanzaThis 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.Publicación Crédito digital : solución multisector adaptable a las necesidades del mercado(Universidad EAFIT, 2019) Sabogal Bassil, Andrés Felipe; Torres Osejo, Carlos Andrés; Uribe de Correa; Beatriz AmparoImproving banking coverage in emerging economies has proved to be challenging, especially if the goal is to develop financial services to improve the quality of life of those new to the marketplace. Colombia has faced these challenges with the help of public policy (Conpes 3424 de 2006; Conpes, 2006) that established the roadmap to make financial inclusion a reality on the short term. However, the small amount of public´s faith in traditional banks, high transaction costs, people´s disinterest in welcoming new banking technologies and a lack of strong physical presence along the country of retail banks; have driven low-income potential customers to interact with non-traditional banking institutions that have created targeted credit loans and loyalty plans in order to attract this part of the population. In the interest of proposing new ways of issuing credit and retail banking solutions, this thesis aims to determine the credit flow for digital lending that can meet the demand of those who require financing but do not have the knowledge to either create it or optimize it. It describes the current state of things for the banking industry in Colombia, analyzing market actors who have opted to develop and consume non-traditional lending products as a tool to achieve financial inclusiveness through targeted consumer and retail loans. In addition, it also details the credit flow, step by step, explaining each one of the operative aspects that are essential to get it into production.Publicación Desarrollo de modelo de negocio : fintech de créditos en el sector de transporte en Colombia(Universidad Eafit, 2020) Ramírez Posada, Juan Diego; Castellón Pérez, Edgar Andrés; Restrepo Tobón, Diego AlexanderPublicación Detección de puntos y tiempos de robo de información de tarjetas de crédito en comercio electrónico(Universidad EAFIT, 2021) Velásquez Moná, Karen Lizeth; Almonacid Hurtado, Paula María; García Cruz, Ehidy Karime; López Rojas, EdgarPublicación Efecto del delito y los cultivos ilícitos sobre el acceso a servicios financieros : análisis para Colombia(Universidad EAFIT, 2020) Mena Serna, Diana Marcela; Tobón Zapata, Santiago; ICETEXIn this research, I examine whether crimes and coca crops affect access to financial services, and financial risk. I build a quarterly panel for all 1,122 municipalities of Colombia covering 2010 through 2019, and estimate two-way fixed effects regressions to control for time and municipality invariant heterogeneity. I document three main findings. First, homicide rates are negatively correlated with access to credit. Second, property crime rates seem to be positively correlated with access to credit, though these estimates are less precise in some specifications. Finally, the presence of coca crops is negatively associated with access to credit and savings deposits, and positively associated with the share of risky microloans portfolios. These results add to a growing literature on the relationship between criminal activities and financial services.Publicación Evaluación de eficiencia de alternativas de fondeo de entidades bancarias en Colombia de tamaño pequeño, bajo Basilea III(Universidad Eafit, 2020) Betancur Zuluaga, Juliana; Cardona Llano, Juan FelipeDuring the financial crisis that hit the markets in 2008, it was evident that worldwide financial institutions had lacks of control of their liquidity and its cautious management. Despite of the outstanding fulfill with the indicators established by the industry, this was not enough to stand the pressures freed by the market conditions and it took several financial institutions to extreme situations. This difficulties conceded room for reforms by The Basel Committee (Bank for International Settlements, s.f.), with the target of reinforce the guidelines that the financial institutions must adopt in order to have bigger capability to face future financial markets crisis. The convergence to the Basel standards by the Colombian entities creates the necessity to evaluate the fundraising alternatives, looking for analyze its efficiency in terms of costs and impact of the liquidity indicators, in order to align the regulatory fulfillment with the entity interests.Publicación Evaluación financiera para el desarrollo del mercado de API en BBVA Colombia.(Universidad EAFIT, 2019) Cortes Rey, Johan Darío; Medina Cuevas, Sonia Elizabeth; Mejía Villa, Jose FernandoThe development of BBVA Colombia API ́s Market, it ́s needed to line up the BBVA goal ́s about the open banking strategy, this goals are focused in the main worldwide purpose of the bank that is “to bring the age of opportunity to everyone” (BBVA, 2019), trough six strategic priorities: the best user experience, digital sales, new business models, optimization of asset allocation, leadership in efficiency and the best team. Based on the above, this thesis looks forward to perform a financial evaluation to determine the viability of the development of the API ́s Market in BBVA Colombia and its capacity to shape its strategic priorities into something that is as tangible as has been done in México, USA and Spain.Publicación Fintechs : oportunidad de crecimiento a partir del segmento de pagos(Universidad EAFIT, 2021) Ospina Pava, Jesús Hernando; Uribe de Correa, Beatriz Amparo; Noreña Tobón, Pablo AndresWe are living a digital revolution on a global scale, where the transformation is constant with the growth of financing and payments systems through the Internet, this allows new dynamics of business models, which aim to streamline the economic operations of companies, corporations and individuals through platforms based on financial technology. The Fintech revolution, driven by a wave of innovative entrepreneurs with disruptive business models is changing the world of finance as we have always known it, this will bring great benefits for the future of people who will be able to access financial services, additionally it is an important component for economic development, so a greater banking penetration will be able to increase the coverage of payments and digital transfers. The financial digitalization and Fintech solutions, it has become evident that the use of technology allows to solve the problems and challenges faced by the world today. Therefore, Fintech reflects the benefits of technology and innovation when made available to society.Publicación Impacto económico de la transformación digital con robótica de procesos en la banca colombiana : caso Grupo Bancolombia(Universidad EAFIT, 2019) Padilla Ruiz, Cristian David; Támara Ayús, Armando LenínThe constant technological innovation combined with the needs of a market in constant evolution and high speeds of change in lifestyles, demands and needs in a global market that it requires that organizations are transformed to compete and develop in their business models. This is where the digital transformation is understood as the combination of technology, digital capabilities, processes and cultural changes aligned with the strategy enable organizations transcend and adapt to a new era. In the present work it is carried out exposes as digital transformation through process robotics and intelligent process automation has become a necessary for innovative organizations in the way of operating their processes, providing a new experience to customers and contribute to the generation of value to those interested. Finally, expand the strategy and financial results of robotic process automation and intelligent process automation at the Grupo Bancolombia.Ítem Impactos de las fintech en el sector financiero : análisis del caso colombiano.(Universidad EAFIT, 2018) Prieto Jaramillo, Sergio; Cardona, Raul ArmandoThe present investigation permitted to identify some key conclusions about the Fintech industry and its impact on the Colombian economy. Within the investigation, disruption became a common factor among these startups, which are beginning to be noticed by traditional banks. According to the collective opinion of the experts interviewed, it is expected that one of the main variables affected by the fintech industry will be the active interest rate, which would be reduced by the competition between the companies and the low costs associated with Fintechs. This would positively impact consumption and therefore the economic growth of the country. Additionally, we would be facing a possible scenario of coexistence and mutualism, where banks would leverage the innovative business models of these ventures and their value levers, through figures such as acquisitions, mergers, joint ventures, amongst others. Likewise, the experts assure that a greater banking penetration within the financial sector would be achieved, due to the Fintech's focus on the population that is currently outside the system, which would result in greater formality and greater tax collection.Publicación La transformación digital en la banca de Chile, México y Colombia entre 2012 y 2018(Universidad EAFIT, 2021) Martínez Castro, Alfonso Enrique; Mora Cuartas, Andrés MauricioPublicación Open banking : del concepto a la coopetencia(Universidad EAFIT, 2019) García Abella, Diana Patricia; Segura Cardenas, Juan Carlos; Cardona Prada, Juan CarlosIncreased Internet utilization, digitalization and the surge of Fintech, formed the background on which Open Banking came up as a new concept that allows banks to share customers' information to third parties thanks to open APIs, which has led to the creation of an entire competition ecosystem that is progressively transforming the financial industry throughout the world and creating new business models where data are a highly significant asset controlled by customers, instead of banks. The referent model is the one developed by the United Kingdom, which has taken a path that was possible only due to the PSD2 regulatory framework and the support of official institutions, which will be of great assistance to overcome barriers impeding its development both in Colombia and the rest of the Latin America.Publicación Prefactibilidad de un nuevo producto transaccional para los clientes del sector comercio del banco de Bogotá a través de la metodología ONUDI(Universidad EAFIT, 2023) Duque Correa, Ana Isabel; Guerrero Latorre, Jorge HarleyPublicación Proceso de Bancarización en los países del MILA: Chile, Colombia, México y Perú(Universidad EAFIT, 2015) Pinzón García, Jaime Andrés; Ballesteros Samacá, John JairoPublicación Reporte financiero Burkenroad / Latinoamérica – Colombia / BBVA Colombia / BVC / BBVACOL(Universidad EAFIT, 2017) Prada González, Cristy Andrea; Restrepo Penagos, Juan Camilo; Ospina Mejía, Jaime AlbertoLa recomendación de la cobertura de la acción es de COMPRA, por cuanto el precio de la valoración sin castigo por liquidez es de $285 obtenido bajo el método de dividendos descontados (Damodaran, 2002), en un escenario moderado de proyecciones económicas y un crecimiento del 4,2% terminal real, que permite inferir un mayor potencial de valorización por los sólidos fundamentales de la compañía -- Este precio es superior en $25 a la última cotización de la especie en Bolsa, transada el 30 de noviembre de 2016 a $260 -- Aplicando el descuento de liquidez de 15,44% según el modelo Restricted Stock Regression de Silber, citado por Damodaran (2005), por tratarse de una acción de muy baja bursatilidad, el precio objetivo alcanza los $241 por acción; sin embargo, la bursatilidad del activo no se desprende de una baja demanda, sino de la estrategia del Grupo BBVA no solo de conservar su participación accionaria, sino, por el contrario, de hacerse al 100% del accionariado -- La valoración relativa promedio de los 12 bancos pares (tabla 1), excluyendo los extremos, es de 1,25 x P/VL y 9,9 x P/U (Bloomberg, 2016), muy parecido a los ratios de los bancos latinoamericanos, pero distantes aún de los bancos en Perú y Chile -- BBVA Colombia por su parte, a partir de las estimaciones efectuadas, debería tener unos múltiplos 1,1 x P/VL y 6,8 x P/U, lo que nos indica que la acción se encuentra en la media nacional pero por debajo en comparación con los bancos en otros países de Latinoamérica, ratificando así el potencial de valorizaciónPublicación 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.