Inclusión de la Fintech: Innovaciones clave para la financiación y pagos en los servicios financieros

Rubén Trejo Lozano; Darwin Jeampierre Erazo Loor; María Tomasa Juárez Tepepa; Julio César Laguna López; Kevin Luis Palomino Velazco

doi:10.70577/asce.v5i1.748

Autores/as

Rubén Trejo Lozano Tecnológico Nacional de México-Instituto Tecnológico Superior de Tlaxco https://orcid.org/0009-0001-7951-2302
Darwin Jeampierre Erazo Loor UMOV Academy https://orcid.org/0009-0002-1328-8616
María Tomasa Juárez Tepepa Tecnológico Nacional de México-Instituto Tecnológico Superior de Tlaxco
Julio César Laguna López Investigador Independiente https://orcid.org/0009-0009-1643-515X
Kevin Luis Palomino Velazco Investigador Independiente https://orcid.org/0000-0002-4474-5077

DOI:

https://doi.org/10.70577/asce.v5i1.748

Palabras clave:

Digitalización, Financiación, Innovación, Servicio de la deuda, Tecnologías de la información

Resumen

La tecnología financiera (fintech) forma parte del proceso de evolución de la innovación financiera, la razón por la que las fintech están generando tanto entusiasmo e interés en la investigación, es que actualmente están eludiendo a los intermediarios tradicionales en la oferta de servicios financieros. El objetivo de la investigación es; analizar los procesos de inclusión de la fintech, específicamente sobre las innovaciones destinadas a mejorar los procesos de financiación y pagos en los servicios financieros. Se realizó una revisión bibliográfica aplicando un enfoque crítico, analítico y descriptivo; se trabajó con el método PRISMA; se identificaron 121 Artículos Científicos (AC), al aplicar los filtros establecidos quedaron únicamente 12 AC, los cuales fueron considerados idóneos, para generar la revisión bibliográfica. Fintech describe a las empresas que ofrecen servicios financieros utilizando tecnologías creativas modernas que atraen a los clientes con productos y servicios que son más fáciles de usar, eficientes, transparentes y automatizados que los que están disponibles actualmente; las innovaciones de la fintech han tenido un impacto en otros modelos de negocios, como el modelo de pago. En la elaboración del artículo se ha revisado literatura enfocada en la fintech, específicamente en el aspecto de la financiación y pagos dentro de los servicios financieros, a la vez se analizó la financiación por medio de crowdfunding y los P2P, por lo cual se identificó la constante innovación dentro de dichos servicios; en futuras investigaciones se debería identificar los modelos de negocios fintech específicos de forma cualitativa y cuantitativa.

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Citas

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