Estrategia para el modelamiento de productos y servicios financieros sostenidos en tecnologías de la información para la Cooperativa de Ahorro y Crédito Jardín Azuayo

Abstract

Services in the Ecuadorian financial market maintain the traditional goal of capital: maximizing profits. With our proposal, we seek to consolidate fair distribution and redistribution. Financial service and product offerings in areas distant from urban centers do not generate profits; therefore, they have not grown and have caused economic and social imbalance. In the second stage of our thesis, we gather the real needs in these sectors; this essential input supports the participatory analysis and design of a model coherent with the context, to consequently incorporate people and economies into the cooperative financial system. Technology and information technology create sufficient possibilities for the distribution of services; undoubtedly, financial services through computer and mobile applications allow for significant coverage, adapting business and service modeling as the main focus of our next stage, and concluding with a method technically modeled and adjusted to the contextual characteristics of our country, the territorial idiosyncrasy, and the organizational structure of the common good for the sustainable construction of financial services mainly, and that contribute to social inclusion through economic inclusion; our model, from its conception, is free to use to incorporate services and products aimed at reducing gaps. With the knowledge acquired in the Master’s program, the experience in Technology Management at the work level, and the validation of the method by the tactical area of Jardín Azuayo, the Self-Service ATM was built. Its impact and growth over time corroborate the initial expectations; there is another way to do cooperation as an alternative to the traditional economic, financial, and social system.