bachelorThesis
Impactos de las fintech en el sector financiero : análisis del caso colombiano.
Fecha
2018Registro en:
332.178 P949
Autor
Prieto Jaramillo, Sergio
Institución
Resumen
The present investigation permitted to identify some key conclusions about the Fintech industry and its impact on the Colombian economy. Within the investigation, disruption became a common factor among these startups, which are beginning to be noticed by traditional banks. According to the collective opinion of the experts interviewed, it is expected that one of the main variables affected by the fintech industry will be the active interest rate, which would be reduced by the competition between the companies and the low costs associated with Fintechs. This would positively impact consumption and therefore the economic growth of the country. Additionally, we would be facing a possible scenario of coexistence and mutualism, where banks would leverage the innovative business models of these ventures and their value levers, through figures such as acquisitions, mergers, joint ventures, amongst others. Likewise, the experts assure that a greater banking penetration within the financial sector would be achieved, due to the Fintech's focus on the population that is currently outside the system, which would result in greater formality and greater tax collection.