Examinando por Materia "SERVICIOS FINANCIEROS - 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 PatriciaThis 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.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 AlbertoThe 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.Ítem Fintech: ¿Freno de mano o turbo para la banca colombiana?(Universidad EAFIT, 2019) Atehortúa Tuberquia, Santiago; Mora Cuartas, Andrés MauricioThe world is experiencing a digital transformation, new generations are increasingly demanding with the products and services acquired. This transformation has not been alien to banking, because Fintech is the new industry that applies technology to improve financial activities and is revolutionizing the way of making financial transactions and interacting with banks (Schueffel, 2016). The Fintech may represent a threat to traditional banks because they have been able to take advantage of the gaps of traditional banks in their services. They have served customer segments that the financial sector has rejected to avoid risk or low profitability. They have understood the generations of the digital era and with its structure of low cost and innovation every day more users prefer it. They have become a great opportunity for many banks, they are to be the perfect complement between knowledge, innovation and efficiency for the big banking operation