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Author Ibarra Ruiz, Fiorella |
Abstract This research seeks to demonstrate the consolidation that FinTech companies have achieved, with digital money in Peru, also due to an important contribution of an unexpected factor, which was lockdown by Covid-19. Specifically, because of the established sanitary measures, to prevent the spread of contagion, which were the ones that promoted the "less contact" that served for FinTech companies to have a high demand in their diversity of products, digital money being the product which achieved greater consolidation in the country, due to the efforts made by the government to protect the most vulnerable population in the country. However, in this way that digital money has managed to open, in recent years, it has not managed to include, with the same coverage, other financial products such as: loans and savings, which is why this research also will analyze the possible impact that crypto assets may have, which have competitive advantages such as: decentralized finance, commissions offered for the products that are low compared to traditional banking, and the flexibility to access some product financial. But, on the other hand, there is no specific legal framework in countries with emerging economies, as is the case of Peru, in addition to the risk of having little information on the origin of the funds that move in the crypto assets market. For all the reasons mentioned, these two FinTech products are considered in this research as potential financial products, to achieve the financial inclusion of all Peruvians, the same, which has become an objective of the national policy of Peru and that never before has it managed to reach such encouraging figures. |
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Director Prior Sanz, Francesc ; Tamas Borsi, Mihaly |
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Degree IQS SM - Master’s Degree in Auditing and Management Control |
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Date 2022-06-05
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