Estudio de la transformación digital para la generación de ventajas competitivas en el desarrollo de las fintech ubicadas en Lima Metropolitana

• Autores: Pacheco Gonzales, Isabella Flavia, Rodríguez Chevarria, Bruno
• Formato: tesis de grado
• Fecha de Publicación: 2021
• Institución: Universidad de Lima
• Repositorio: ULIMA-Institucional
• Lenguaje: español
• OAI Identifier: oai:repositorio.ulima.edu.pe:20.500.12724/14981
• Enlace del recurso: https://hdl.handle.net/20.500.12724/14981
• Nivel de acceso: acceso abierto
• Materia: Competitividad; Industria de servicios financieros; Innovaciones tecnológicas; Financial services industry; Competitiveness; Technological innovations; Lima Metropolitana (Perú); https://purl.org/pe-repo/ocde/ford#5.02.04

Now a days, it can be seen how the traditional financial system in Peru (referring to banking, finance companies, EDPYMES, among others) has not been able to evolve at the pace of digital technologies, presenting itself as a disadvantage for them. This created an opportunity for the incorporation of a new business model, one that would relate finance to technological innovations, which is known by the name of ‘Fintech’. However, today, even if it is a promising model with extensive development in countries such as the United States, Germany, China, among others; in Peru, it has not yet reached its full potential. The objective of this study is to determine how the evolution of digital transformation has benefited the development of the competitive advantages of Fintech companies in Metropolitan Lima. To this end, the research question is the following: How does the intervention of digital transformation allow the establishment of strategies that develop competitive advantages for the growth of Fintech companies in Metropolitan Lima? In this context, digital transformation is being evaluated in relation to the 10 pillars of "Industry 4.0" (explained in detail in the theoretical framework of the research) and competitive advantages through the proposals by Michael Porter (cost leadership, differentiation, and focus). The research question is answered through the opinion obtained from users through the distribution of an online questionnaire to the respondents. Based on their responses, it was possible to find correlations between the evolution of digital transformation and the generation of competitive advantages for Fintech companies. Additional research could be carried out to identify other factors (in addition to digital transformation) that would promote the increase and acceptance of this new business model in Peru.