Caso de estudio del dinero móvil de China e India comparados con la experiencia colombiana

Abstract

The process of digitization of products and services of the financial system were the prelude to the Digital Financial Services (DFS) to allow service providers to reach markets and populations without formal access to traditional financial services; the above generating the development of business models with value propositions focused on the customer, making full use of the technology to make affordable services to these populations. This research paper seeks from a qualitative analysis to understand how digital payments propitiated the scenario for the development of DFS. As well as referencing the implementation models of DFS that have contributed the most in its development. Specifically referencing the experiences of Wechat and Alipay in China and PayTm in India; seeking that this research serve as a guide to overcome the barriers that prevent development in Colombia as for the rest of Latin America.