• ISSN: 2010-023X (Print)
    • Abbreviated Title: Int. J. Trade, Economics and Financ.
    • Frequency: Quaterly
    • DOI: 10.18178/IJTEF
    • Editor-in-Chief: Prof.Tung-Zong (Donald) Chang
    • Managing Editor: Ms. Shira. W. Lu
    • Abstracting/ Indexing:  Crossref, Electronic Journals Library , EBSCO
    • E-mail: ijtef.editorial.office@gmail.com
HOME > Archive > 2023 > Volume 14 Number 4 (Nov. 2023) >
IJTEF 2023 Vol.14(4): 74-79
DOI: 10.18178/ijtef.2023.14.4.759

Characterization of the Fintech Industry for the Peruvian Market

Stefano Mejia-Trujillo, Rafael Daniel Hidalgo-Castilla, Marcos Fernando Ruiz-Ruiz, Alberto Flores-Perez*, Juan Quiroz-Flores, and Martin Collao-Diaz

Abstract—Financial technology companies in Latin America and the world, typically known as Fintech, are growing at a significant rate. However, a detailed analysis on the main influencers on the success or survival of these technologies remains to be discussed. This research determines the variables and social actors that characterize the Fintech ecosystem. For this purpose, a descriptive design was employed under the methodology of structural analysis, making use of tools such as a panel of experts and the MICMAC software (Matrix of Crossed Impacts Multiplication Applied to a Classification). The results suggest that investment, customer management and behavior due to COVID-19 are considered key variables in the current Fintech market. While the SBS (Superintendency of Banking, Insurance and AFP), Peruvian Fintech companies and clients are considered as the preponderant social actors. The findings constitute a basis for the design and strategic planning of future scenarios aimed at minimizing risks and making the most of the opportunities offered by this industry 4.0 new market.

Index Terms—Fintech, structural characterization, Peruvian market, industry 4.0

The authors are are with Universidad de Lima, Perú.
*Correspondence: alflores@ulima.edu.pe (A.F.P.)

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Cite: Stefano Mejia-Trujillo, Rafael Daniel Hidalgo-Castilla, Marcos Fernando Ruiz-Ruiz, Alberto Flores-Perez*, Juan Quiroz-Flores, and Martin Collao-Diaz, "Characterization of the Fintech Industry for the Peruvian Market," International Journal of Trade, Economics and Finance vol.14, no.4, pp. 74-79, 2023.

Copyright © 2023 by the authors. This is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited (CC BY 4.0).

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