Modelo prolab: Plan de negocios para el desarrollo de un aplicativo móvil para interconectar operaciones entre bancos: Falabella, Ripley, Alfin, de la Nación, Financieras, Cajas Municipales y Rurales de Ahorro y Crédito
Date
2023-04-24
Journal Title
Journal ISSN
Volume Title
Publisher
Pontificia Universidad Católica del Perú
Abstract
El uso de la tecnología ha crecido exponencialmente en los últimos años, generando
fuerte impacto en las empresas financieras, ya que, se han adaptado e innovado en servicios
digitales y la experiencia del usuario. Con el rápido crecimiento de las Fintech en el país, las
expectativas de los usuarios han incrementado, así como los estándares de experiencia
(Ernest & Young, 2022/2023). Hoy en día los usuarios prefieren usar aplicativos móviles o
páginas web para realizar diversas operaciones, para así evitar acudir a las empresas
financieras, esto les permite optimizar sus tiempos y evitar la exposición a diversos riesgos
(Ernest & Young, 2022/2023). No obstante, este avance tecnológico ha sido explotada por los
grandes bancos del país, mientras que, la digitalización en empresas financieras con menor
participación tuvo un crecimiento mínimo, afectando a los usuarios de dichas empresas.
A lo largo del presente trabajo se presenta una propuesta que busca aliviar el
problema en mención. Se ha dividido el trabajo en ocho capítulos, en el primero de ellos se
evidencia el problema detectado. Se analiza el mercado e investiga al usuario en los capítulos
dos y tres respectivamente, procediendo a exponer el proyecto de negocio y su viabilidad
financiera y social, entre los capítulos cuatro al ocho. La propuesta busca darle solución al
problema de los usuarios de las 35 empresas financieras que se encuentran desatendidas en lo
que respecta a digitalización del sector financiero. El objetivo es brindarles a estos usuarios la
posibilidad de poder integrar sus operaciones financieras mediante un aplicativo móvil que
recibe por nombre “Al Toke”; esto significa que la propuesta genera un impacto social
positivo al ahorrar tiempo e impacto económico, alineado con el Objetivo de Desarrollo
Social (ODS) ocho “Trabajo decente y crecimiento económico”. El enfoque de la propuesta
se centra en los usuarios pertenecientes a los niveles socioeconómicos (NSE) B, C y D, que
sean usuarios de la Banca Múltiple (bancos), Empresas Financieras, Cajas Municipales y
Rurales.
The use of technology has grown exponentially in recent years having a strong impact on financial companies, which have been required to innovate their digital services with the goal to improve user experience. Furthermore, the fast growth of Fintech’s in the country has increased user expectations and experience standards. As a result, users nowadays prefer to use mobile applications or web pages to perform financial transactions to avoid a trip to the bank, save time, and/or prevent exposure to various risks. Nevertheless, while this technological progress has been achieved by Peru’s larger banks, financial entities with a smaller market share -on the contrary- have had minimal growth, leaving their users without access to the benefits of banking technologies. This thesis presents a proposal that seeks to alleviate this problem: It takes more time to users of smaller banks to perform financial transactions since, for example, they need to stop by the bank and wait. This work is divided into eight chapters, and the problem at issue is evidenced in the first one. Chapters two and three analyze the banking market and users of banking services respectively, and chapters four through eight go over our business project and its financial and social viability. This proposal seeks to solve a problem experienced by users of 35 financial companies that do not have access to the benefits offered by the digitization of the financial sector. This project aims to provide these users the possibility to integrate their financial operations through a mobile application called "Al Toke.” This platform would generate a positive impact socially by saving people time, and economically by honoring the Social Development Goal (SDG) of "Decent work and economic growth". Finally, this proposal focuses on users from socioeconomic levels B, C and D, and users of Multiple Banking (banks), Financial Companies, Municipal and Rural Savings Banks.
The use of technology has grown exponentially in recent years having a strong impact on financial companies, which have been required to innovate their digital services with the goal to improve user experience. Furthermore, the fast growth of Fintech’s in the country has increased user expectations and experience standards. As a result, users nowadays prefer to use mobile applications or web pages to perform financial transactions to avoid a trip to the bank, save time, and/or prevent exposure to various risks. Nevertheless, while this technological progress has been achieved by Peru’s larger banks, financial entities with a smaller market share -on the contrary- have had minimal growth, leaving their users without access to the benefits of banking technologies. This thesis presents a proposal that seeks to alleviate this problem: It takes more time to users of smaller banks to perform financial transactions since, for example, they need to stop by the bank and wait. This work is divided into eight chapters, and the problem at issue is evidenced in the first one. Chapters two and three analyze the banking market and users of banking services respectively, and chapters four through eight go over our business project and its financial and social viability. This proposal seeks to solve a problem experienced by users of 35 financial companies that do not have access to the benefits offered by the digitization of the financial sector. This project aims to provide these users the possibility to integrate their financial operations through a mobile application called "Al Toke.” This platform would generate a positive impact socially by saving people time, and economically by honoring the Social Development Goal (SDG) of "Decent work and economic growth". Finally, this proposal focuses on users from socioeconomic levels B, C and D, and users of Multiple Banking (banks), Financial Companies, Municipal and Rural Savings Banks.
Description
Keywords
Negocios--Planificación, Finanzas--Innovaciones tecnológicas, Administración financiera, Aplicaciones--Dispositivos móviles
Citation
Endorsement
Review
Supplemented By
Referenced By
Creative Commons license
Except where otherwised noted, this item's license is described as info:eu-repo/semantics/openAccess