Examinando por Materia "SISTEMA FINANCIERO - COLOMBIA - AUTOMATIZACIÓN"

Mostrando 1 - 1 de 1
  • No hay miniatura disponible
    Publicación
    Estrategias de optimización para canales transaccionales físicos en el sector bancario colombiano
    (Universidad EAFIT, 2025) Zapata Jiménez, John Fredy; López Moreno, Ana María
    Digital transformation is rapidly reshaping the landscape of traditional banking, creating a dilemma for financial institutions: integrate new digital channels or improve the distribution of existing physical ones. This thesis explores how multi-objective optimization techniques, such as integer linear programming and discrete-event stochastic simulation, can help address this dilemma within the context of the Colombian financial system. In an environment where customer habits and distribution models are constantly evolving, decision-makers must consider the impact of technology, implementation costs, and the adaptability of channels. This research addresses these challenges by developing a theoretical framework based on heuristic modeling and advanced techniques such as clustering and NLP algorithms. The aim is to provide recommendations for optimizing the distribution of transactional channels to enhance operational efficiency and customer experience. The thesis focuses on four specific objectives: retrieving and storing transaction data from distribution channels; preparing this information for clustering modeling; developing an optimization model for the distribution of physical channels; and analyzing the information to segment channels according to the optimization model. Optimizing distribution channels is essential to maintaining a competitive advantage in an increasingly digital environment. By effectively combining digital and physical channels, the banking system can improve operational efficiency, broaden its reach, and respond more agilely to market demands. This study offers a comprehensive perspective and practical solutions to address current challenges in the distribution of physical transactional channels in the Colombian banking sector.