Diseño de un modelo digital integrado y eficiente para la gestión de servicios financieros en una Fintech en la ciudad de Bogotá

Abstract

The constant growth of organizations focused on a new digital ecosystem enables the digitalization of financial processes and services, which are fundamental in value creation. This implies a transformation in business relationships and the integration of digital business networks, becoming a key factor of competitiveness in the Fintech sector through the development of new digital models. This research explores, as a case study, a Fintech company in the city of Bogotá. It begins with the identification of its current business model for financial services management, followed by an analysis and evaluation. The final result is the design of a digital business model for financial services management that impacts value creation, capture, and delivery, with pillars of integration and efficiency. The design is supported by an enterprise architecture approach as a reference pillar for the digital model design, allowing for the alignment of strategic objectives with technological and operational capabilities. As a result, the design of a digital business model will be developed to optimize the financial services management of Souberbank, generating an impact on value creation, capture, and delivery, with pillars in technological integration, enterprise architecture, and efficiency.