Modelo de negocio de valor compartido para la bancarización del sector transporte terrestre

Abstract

The latent financial inclusion gap in Latin America and the Caribbean restricts economic growth and expansion, while exacerbating social inequality, limiting the region's progress and competitiveness. Therefore, it is essential to create shared value business models oriented towards the democratization of credit, which make it possible to integrate business success with the economic and social progress of the target market segment and the communities where the model is developed.

The design of a shared value business model to provide banking services to people in the land cargo transportation sector, who have not been considered a viable market by the financial sector, due to the high levels of informality in their operations and transactions, significant opportunities to boost the socioeconomic development of the country, by to simulate the economy through the generation of new entrepreneurs, fostering the creation of wealth, promoting new jobs, increasing financial inclusion, and increasing the purchasing power for the demand of better goods and services. At the same time, it contributes positively to closing the social inequality gap, to the extent that the organizational economic benefits transcend to improve the quality of life of the population and expanding the middle class. This shared value business model design follows a qualitative approach, based on research and analysis of relevant information, to build a value proposition aimed at the defined market segment, extrapolating its financial viability under certain assumptions.