La viabilidad de la formación de empresas FinTech en Guayaquil y su incidencia en el sector financiero bancario de pequeñas y medianas empresas
No hay miniatura disponible
Fecha
2020-03
Título de la revista
ISSN de la revista
Título del volumen
Editor
Facultad de Ciencias Económicas. Universidad de Guayaquil
Resumen
En el presente trabajo de investigación se resaltará la importancia de las empresas FinTech y su viabilidad dentro de la ciudad de Guayaquil en la que se tomará en cuenta también a las pequeñas y medianas empresas y su desenvolvimiento dentro de la economía guayaquileña. Se estableció un enfoque de origen mixto, tanto cualitativo como cuantitativo donde el tipo de investigaciones que se realizaron fueron descriptivo, exploratorio y explicativo con esto, se recolectaron documentos para la fundamentación teórica del trabajo, además de implementar el método hipotético deductivo, realizar dos hipótesis las cuales se validaron. Se realizó encuestas a las pequeñas y medianas empresas que se encuentran constituidas en la parroquia Rocafuerte, adicional a esto se hizo entrevistas a expertos sobre el tema tratado. Entre los principales resultados se resalta que las empresas FinTech necesitan un marco regulatorio específico que regule su correcto funcionamiento, también se da a conocer que dichas empresas son viables porque fomentan la inclusión financiera dentro de las PYMES, optimiza los recursos y agilita procesos legales
This research work will highlight the importance of FinTech companies and their viability within the city of Guayaquil, which will also take into account small and medium-sized companies and their development within the Guatemalan economy. An approach of mixed origin was established, both qualitative and quantitative where the type of research that was carried out was descriptive, exploratory and explanatory, with this, documents were collected for the theoretical foundation of the work, in addition to implementing the deductive hypothetical method, making two hypotheses. which were validated. Surveys were carried out on small and medium enterprises that are constituted in the Rocafuerte parish, in addition to this, interviews were conducted with experts on the subject. Among the main results it is highlighted that FinTech Companies need a specific regulatory framework that regulates their proper functioning, it is also highlighted that these companies are viable because they encourage financial inclusion within SMEs, optimize resources and expedite legal processes.
This research work will highlight the importance of FinTech companies and their viability within the city of Guayaquil, which will also take into account small and medium-sized companies and their development within the Guatemalan economy. An approach of mixed origin was established, both qualitative and quantitative where the type of research that was carried out was descriptive, exploratory and explanatory, with this, documents were collected for the theoretical foundation of the work, in addition to implementing the deductive hypothetical method, making two hypotheses. which were validated. Surveys were carried out on small and medium enterprises that are constituted in the Rocafuerte parish, in addition to this, interviews were conducted with experts on the subject. Among the main results it is highlighted that FinTech Companies need a specific regulatory framework that regulates their proper functioning, it is also highlighted that these companies are viable because they encourage financial inclusion within SMEs, optimize resources and expedite legal processes.
Descripción
PDF
Palabras clave
FINTECH, FINANCIAMIENTO, INNOVACIONES, BANCA PYMES