PBESProceedings of Business and Economic Studies2209-26412209-265XBio-Byword Scientific Publishing Pty. Ltd.10.26689/pbes.v7i2.6834ArticleA Deep Dive into the Trajectory and Transformation of Fintech in Colombia Through the Case of PTM Colombia – A Secondary Publicationhttps://artdesignp.com/journal/PBES/7/2/10.26689/pbes.v7i2.6834ÁlvarezYanni Gabriel Guacaneme,ArdilaCatalina Medina,LicháaNadesko Gallardo,Gil HoyosOtilia Miladys2024722024-04-29This research focuses on analyzing and understanding the evolution and impact of fintech companies in Colombia, using PTM Colombia as a case study, a company that has undergone a significant transformation from its beginnings as a provider of physical recharges to its current position. as a comprehensive platform for digital financial services. The current research uses a qualitative descriptive approach and emphasizes understanding the perceptions and experiences in the field of Fintech in Colombia, particularly in the case of PTM Colombia. The study revealed that adaptability and customer orientation have been fundamental in the evolution of PTM, allowing the company to expand its range of services by actively listening to the needs of its users and adjusting its strategies accordingly. In addition, an accelerated and diversified growth of Fintech will be observed in Colombia, particularly in sectors such as credit and payments, driven by a constantly advancing technological environment and a regulatory framework that, although it presents challenges, also offers opportunities for financial innovation. This growth has impacted the traditional banking sector, which, instead of being replaced by Fintech, is finding new forms of collaboration and coexistence that benefit both parties and, above all, the end consumer. In conclusion, the study highlights how Fintech in Colombia, represented by cases such as PTM, is redefining the financial landscape through the adoption of advanced technologies, collaboration with traditional banking, and strong customer orientation.

Zegarra LV, Yauri HM, Luyo SLL, et al., 2023, Utilización de Canales Digitales de las Entidades Bancarias del Sector Público Privado. Estudio de Revisión [Utilization of Digital Channels by Public-Private Sector Banking Entities. Review Study]. Revista de Climatología Edición Especial Ciencias Sociales, 23, 1184–1201. https://doi.org/10.59427/rcli/2023/v23cs.1184-1201

Pereira DJM, Doria DDF, Castro DT, et al., 2023, Problemáticas y Tendencias de la Educación Financiera [Issues and Trends in Financial Education]. Económicas CUC, 44(2): 75–96. https://doi.org/10.17981/econcuc.44.2.2023.Econ.3

Rentería D, Vélez I, Giraldo MLM, et al., 2021, Las Fintech, una Revolución para la Banca Tradicional [Fintech, a Revolution for Traditional Banking]. Revista Ibérica De Sistemas e Tecnologías De Informação, 2021(E41): 17–29.

Molina DI, 2016, Fintech: Lo que la Tecnología Hace por las Finanzas [Fintech: What Technology Does for Finance]. Profit Editorial, Spain.

Noya E, 2021, Fintech: Ahorro e Inversión en la era Financiera Digital [Fintech: Saving and Investment in the Digital Financial Era]. Editorial Almuzara, Spain.

Blasco P, 2021, Fintech Banking. Editorial Almuzara, Spain.

McMillan J, 2018, El Fin de la Banca. El Dinero, el Crédito y la Revolución Digital [The End of Banking. Money, Credit, and the Gitial Revolution] (1st ed). Editorial TAURUS, Spain.

Roa MJ, Carvallo OA, 2018, Inclusión Financiera y el Costo del uso de Instrumentos Financieros Formales: Las Experiencias de América Latina y el Caribe [Financial Inclusion and the Cost of Using Formal Financial Instruments: Experiences from Latin America and the Caribbean]. Banco Interamericano de Desarrollo. http://dx.doi.org/10.18235/0001216

Valbuena R, 2021, Inteligencia Artificial. Investigación Científica Avanzada Centrada en Datos [Artificial Intelligence. Advanced Data-Centric Scientific Research]. Editorial Cencal Press, Venezuela.

Ferré J, Ferré JN, La Conducta del Consumidor y del Cliente [Consumer and Client Behavior]. Editorial Diaz d Santos, Spain.

Schueffel P, 2017, Taming the Beast: A Scientific Definition of Fintech. Journal of Innovation Management, 4(4): 32–54. https://doi.org/10.24840/2183-0606_004.004_0004

Arner DW, Barberis JN, Buckley RP, 2015, The Evolution of Fintech: A New Post-Crisis Paradigm? University of Hong Kong Faculty of Law Research Paper No. 2015/047, UNSW Law Research Paper No. 2016-62. https://dx.doi.org/10.2139/ssrn.2676553

Velasco M, 2019, Regulación Fintech en Colombia: Un Análisis de los Desafíos y Oportunidades [Fintech Regulation in Colombia: An Analysis of Challenges and Opportunities]. Revista Colombiana de Derecho de la Competencia, 2(14), 44-69.

Gómez E, Hernández R, López M, 2020, Fintech y su Potencial en la Inclusión Financiera en Colombia [Fintech and its potential in financial inclusion in Colombia]. Revista Economía & Región, 14(2): 23–42.