El impacto de las empresas Fintech en el mercado financiero colombiano: tendencias, desafíos y oportunidades

Abstract

The aim of this article is to analyze how Fintech companies have impacted the Colombian financial market in recent years. The methodology used in this literature review consisted of searching, selecting, and analyzing the consulted sources. The main key concepts related to the topic were identified, the regulatory framework in Colombia was addressed, and the impacts that Fintech companies have had on the financial market were reviewed, including financial inclusion, access to new products and services, competition with traditional banks, and the shift in consumer preferences. The most relevant results from this analysis suggest that Fintech companies have had a significant impact on the Colombian financial market, especially in terms of financial inclusion and access to new products and services. Although there are still regulatory and infrastructure barriers that limit their expansion, Fintech companies have managed to grow in the Colombian market and have generated greater competition in the sector, leading to innovation and improvements in the financial services offered.