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FinTech's business model in Mexico, a preliminary analysis

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  • Luz del Carmen Díaz-Peña

    (Think Tank Financiero, México & Instituto Tecnológico y de Estudios Superiores de Monterrey, México)

Abstract

Este estudio analiza las principales variables de éxito en el modelo de negocio de una Fintech. Los datos fueron obtenidos mediante un cuestionario aplicado a quince Fintech mexicanas. Los resultados preliminares muestran que las variables clave de éxito, de acuerdo con una correlación significativa con el crecimiento de la empresa, son: un uso eficiente de la infraestructura, servicios orientados al cliente, salarios competitivos y la seguridad de la información; el tipo de Fintech más común es el de "pagos y servicios de dinero móvil" seguido de "crowdfunding" e "inversiones". En México, no existe una fuente formal que facilite el conocimiento de la industria, por lo que la originalidad de este estudio radica en la contribución a una mejor comprensión introductoria de cómo funcionan las Fintech, incluyendo otras dimensiones como las sociales y ambientales que no se habían considerando antes. Su limitante es el número de empresas interrogadas, pero se podrían hacer futuros estudios complementarios. Se puede concluir que la dimensión tecnológica es la más relevante para la industria.

Suggested Citation

  • Luz del Carmen Díaz-Peña, 2021. "FinTech's business model in Mexico, a preliminary analysis," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 16(TNEA), pages 1-16, Septiembr.
    • Handle: RePEc:imx:journl:v:16:y:2021:i:tnea:a:10
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    References listed on IDEAS

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    2. Gozman, Daniel & Liebenau, Jonathan & Mangan, Jonathan, 2018. "Innovation mechanisms of fintech start-ups: insights from SWIFT Innotribe competition," LSE Research Online Documents on Economics 86495, London School of Economics and Political Science, LSE Library.
    3. Yong Jae Shin & Yongrok Choi, 2019. "Feasibility of the Fintech Industry as an Innovation Platform for Sustainable Economic Growth in Korea," Sustainability, MDPI, vol. 11(19), pages 1-21, September.
    4. Lee, In & Shin, Yong Jae, 2018. "Fintech: Ecosystem, business models, investment decisions, and challenges," Business Horizons, Elsevier, vol. 61(1), pages 35-46.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Fintech; variables de éxito; modelo de negocio; inclusión financiera; México;
    All these keywords.

    JEL classification:

    • M10 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - General
    • M13 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - New Firms; Startups
    • M15 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration - - - IT Management
    • G00 - Financial Economics - - General - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors

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