Ahorra.Pe, una aplicación de ahorro progresivo y micro inversión
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2021-11-04
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Pontificia Universidad Católica del Perú
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En el Perú, el 60% de la población a partir de una edad adolescente, no ahorra, y solo el
8% lo hace a través del sistema financiero. Según el INEI, en el año 2019 la mayoría de la
población declaró que apenas podía equilibrar sus ingresos y gastos corrientes; no pudiendo
cubrir gastos para imprevistos o emergencias. Ahorra.Pe tiene el objetivo de eliminar el dolor de
ahorrar activamente brindando una alternativa de ahorro práctica, automática y sistemática,
generando mayor rentabilidad sobre los ahorros.
Apalancado por la digitalización de las finanzas y la tendencia creciente de los usuarios a
la alta conectividad, Ahorra.Pe está orientado principalemente a adultos entre 25 y 45 años de los
NSE B y C, que sean bancarizados y con afinidad por el uso de la tecnología. La aplicación
permite al usuario redondear, de forma permanente y planificada, los montos de sus compras
bancarizadas generando una diferencia que es transferida a un producto de inversión. En cuanto a
los ingresos, estos equivalen al 45% de la comisión cobrada por el banco referente a la cartera de
fondos de inversión, por lo que el modelo presenta un VAN de S/1,761,606 y una TIR de
90.53% para un periodo de 10 años y se tienen retornos positivos a partir del tercer año.
La relevancia social se refleja al alinearse con la ODS 8 - Trabajo Decente y Crecimiento
Económico y con la ODS 10 - Reducción de las Desigualdades permitiendo una mayor inclusión
financiera, fomentando el crecimiento económico y fortalecimiento del sistema financiero.
Además, la solución alcanza un VANS de S/. 4,322,878 con una proyección a 10 años, logrando
brindar mayor seguridad al usuario al reducir los montos de efectivo y permitiéndole ahorrar
tiempo en procesos financieros. Finalmente, se ha concluido que es viable dado el gran interés
mostrado por los usuarios en las etapas de validación de la aplicación, mientras que se ha
comprobado su deseabilidad con entrevistas a altos funcionarios de entidades bancarias locales.
El modelo de negocio tiene un alto potencial de escalabilidad, dada la tendencia digital creciente
en el mercado financiero local y global.
In Peru, 60% of the population from an adolescent age onwards does not save, and only 8% does so through the financial system. According to INEI, in 2019 the majority of the population stated that they could barely balance their income and current expenses; not being able to cover expenses for unforeseen events or emergencies. Ahorra.Pe aims to eliminate the pain of actively saving by providing a practical, automatic and systematic savings alternative, generating higher returns on savings. Leveraged by the digitalization of finance and the growing trend of users to high connectivity, Ahorra.Pe is aimed primarily at adults between 25 and 45 years of age in the NSE B and C, who are banked and have an affinity for the use of technology. The application allows the user to round up, in a permanent and planned way, the amounts of their banked purchases, generating a difference that is transferred to an investment product. As for income, this is equivalent to 45% of the commission charged by the bank for the investment fund portfolio, so the model has an NPV of S/1,761,606 and an IRR of 90.53% for a period of 10 years, with positive returns starting in the third year. The social relevance is reflected in its alignment with SDG 8 - Decent Work and Economic Growth and SDG 10 - Reducing Inequalities, allowing greater financial inclusion, promoting economic growth and strengthening the financial system. In addition, the solution achieves a VANS of S/. 4,322,878 with a 10-year projection, providing greater security to the user by reducing cash amounts and saving time in financial processes. Finally, it has been concluded that it is viable given the great interest shown by users in the validation stages of the application, while its desirability has been proven through interviews with senior officials of local banking entities. The business model has a high potential for scalability, given the growing digital trend in the local and global financial market.
In Peru, 60% of the population from an adolescent age onwards does not save, and only 8% does so through the financial system. According to INEI, in 2019 the majority of the population stated that they could barely balance their income and current expenses; not being able to cover expenses for unforeseen events or emergencies. Ahorra.Pe aims to eliminate the pain of actively saving by providing a practical, automatic and systematic savings alternative, generating higher returns on savings. Leveraged by the digitalization of finance and the growing trend of users to high connectivity, Ahorra.Pe is aimed primarily at adults between 25 and 45 years of age in the NSE B and C, who are banked and have an affinity for the use of technology. The application allows the user to round up, in a permanent and planned way, the amounts of their banked purchases, generating a difference that is transferred to an investment product. As for income, this is equivalent to 45% of the commission charged by the bank for the investment fund portfolio, so the model has an NPV of S/1,761,606 and an IRR of 90.53% for a period of 10 years, with positive returns starting in the third year. The social relevance is reflected in its alignment with SDG 8 - Decent Work and Economic Growth and SDG 10 - Reducing Inequalities, allowing greater financial inclusion, promoting economic growth and strengthening the financial system. In addition, the solution achieves a VANS of S/. 4,322,878 with a 10-year projection, providing greater security to the user by reducing cash amounts and saving time in financial processes. Finally, it has been concluded that it is viable given the great interest shown by users in the validation stages of the application, while its desirability has been proven through interviews with senior officials of local banking entities. The business model has a high potential for scalability, given the growing digital trend in the local and global financial market.
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Finanzas personales, Instrumentos financieros
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