Technology-driven digital transformation is impacting the financial sector with the entry of new business models such as fintech and bigtech that successfully compete by offering financial products with disruptive potential. Digital banking is the result of the sum of traditional banking and the internet that offers banking services through a website or mobile application. The integration of financial services into digital ecosystems represents a challenge for traditional banking that needs to evolve to face the changing environment. Digital banking plays an important role in financial inclusion, as it allows access to innovative services to more Peruvians and boosts economic growth. However, a high level of digital fraud also exists, aimed at misappropriating money or blackmailing financial users by means of phishing and the use of malware. Pearson’s correlation coefficient, useful fo...

This study analyzes the consequences of COVID-19 in Peru and Latin America regarding the aspects of poverty and unemployment, the impact on the economic-social scenarios, and the existing financial inclusion indicators in times of pandemic. The article’s objective was to show the importance of financial inclusion to mitigate the effects of the COVID-19 crisis by inserting the population ―traditionally excluded― into the formal financial system. As a result of the research, it is shown that governments have mitigated the negative effects of the pandemic with the implementation of subsidy programs and by offering economic support to the vulnerable population; however, it is necessary to improve public policies to take advantage of digital innovation in benefit of the population, and to lower the barriers that hold back the penetration of financial inclusion.

The year 2011 projects that the national construction sector gets an annual growth of 8.3%, driven by the good performance of private investment, which would grow at an estimated rate of 11.8%, while public investment slightly advance at 3.4% by the lowest budget for infrastructure. For its part, the Northern Region grows at an annual rate of 7.6% as a result of the execution of works related to agriculture (irrigation projects), electricity, road infrastructure, real estate projects and mining, among others. For the Central Region is expected to grow 8.4% annually at 2011, based on the development of major projects such as construction of the North Port, the second part of the electric train which is scheduled to start this year, the great projects in the hydroelectric sector like Chaglla highlighting, the large real estate projects, construction of shopping centers, road infrastructure...

Financial inclusion is a key factor in the economic development of a nation from the point of view of access (supply), use (demand) and quality of financial services. The use and access to financial services allows the population to save surplus capital to make forecasts and future investments. Likewise, it generates a solid base of savings reducing dependence on international financial markets in the face of economic shocks. Access to an account in the financial system is the principle of financial inclusion. In the world, 68% of adults have access to an account; However, only 55% keep their account active (real access), from which a significant percentage of inactive accounts can be deduced. In Peru, 43% of adults have an account at a bank or other type of financial institution. To achieve development in financial inclusion, not only the increase in the number of active accounts must b...

Para el año 2011 se proyecta que el sector construcción a nivel nacional registre un crecimiento anual de 8.3%, impulsado por el buen desempeño de la inversión privada, la cual crecería a una tasa estimada de 11.8%, mientras que la inversión pública avanzaría ligeramente en 3.4% ante el menor presupuesto para obras de infraestructura. Por su parte, la Macro región Norte crecería a una tasa anual de 7.6%, como resultado de la ejecución de obras relacionadas al agro (obras de irrigación), electricidad, infraestructura vial, proyectos inmobiliarios, mineros, entre otros. Para la Macro región Centro se estima un crecimiento anual de 8.4% en 2011, sustentado en el desarrollo de proyectos de envergadura tales como la construcción del Muelle Norte, el tramo N°2 del tren eléctrico que se tiene previsto iniciar este año, proyectos relacionados al sector eléctrico en la que desta...

La presente tesis estudia a la empresa AUREN S.A., y tiene como objetivo proponer estrategias que le permitan mejorar su posición competitiva asegurando un crecimiento ordenado y sostenido en los próximos cinco años. AUREN S.A., es una empresa dedicada a la distribución y comercialización de productos de consumo masivo con volúmenes de venta en el año 2006 de US$ 28,156,081. Son los representantes exclusivos de prestigiosas marcas como Gloria, San Fernando y Telefónica del Perú.

Peruvian textile industry slows down from 2009 showing the largest decline recorded in at least 15 years. The collapse of foreign demand in our most important target market -USA, due to international crisis, and the aggressive competition of China in this market. Exports of textile and apparel sector have closed 2009 at US$ 1,550 million, 23% below the level reached in 2008. The most affected segment was the garment that would have made 25%, meanwhile textiles (fibers, yarns and fabrics) would have 15%. In the last months of 2009 there was a growing trend in production costs (cotton yarn) to make finished products more expensive and less competitive against Asian products, characterized by being cheaper but lower quality. In 2010, the Ministry of Foreign Trade and Tourism made important proposals for the Peruvian textile sector: strengthening the chain of cotton-yarn-textile-garment; dev...

Peruvian textile industry slows down from 2009 showing the largest decline recorded in at least 15 years. The collapse of foreign demand in our most important target market -USA, due to international crisis, and the aggressive competition of China in this market. Exports of textile and apparel sector have closed 2009 at US$ 1,550 million, 23% below the level reached in 2008. The most affected segment was the garment that would have made 25%, meanwhile textiles (fibers, yarns and fabrics) would have 15%. In the last months of 2009 there was a growing trend in production costs (cotton yarn) to make finished products more expensive and less competitive against Asian products, characterized by being cheaper but lower quality. In 2010, the Ministry of Foreign Trade and Tourism made important proposals for the Peruvian textile sector: strengthening the chain of cotton-yarn-textile-garment; dev...

Descripción: En la actualidad, los empresarios e inversionistas necesitan invertir en negocios que sean viables, rentables, sostenibles, innovadores y escalables. Para ello necesitan una verificación a través de un documento que sea sintético, fácil de leer, sustentado a través de datos y cifras. Para ello el alumno realizará un proyecto de investigación orientado a otorgar una respuesta sólida, argumentada y coherente al reto empresarial identificado. El reto empresarial es entonces definido como una oportunidad de mejora dentro de una organización, así como también el desarrollo de un plan para la toma de oportunidades para la organización. El estudiante será capaz de compartir información útil para la resolución de situaciones de negocios y de participar activamente en la consecución de una meta común al equipo de trabajo. Propósito: Curso de especialidad, de cará...