En la última versión 13 del “Fintech Perú Map” publicado por Finnovating en enero del 2019, se pueden apreciar 72 empresas fintech en el mercado peruano, que demuestra el importante crecimiento de esta industria en el Perú. Este tipo de empresas se dedican a ofrecer servicios financieros a través de plataformas digitales, su principal característica es que son empresas que nacen 100% digitales, lo que les da una gran ventaja contra los grandes bancos tradicionales que tienen una gran carga histórica pesada de sistemas legacy.
Los grandes bancos peruanos tienen sus sistemas de cómputo basadas en tecnologías antiguas, que les costaría demasiado dinero reemplazar, como son los sistemas de archivos VSAM basados en lenguaje de programación COBOL, que es considerado en esta época como un lenguaje de programación demasiado antiguo. Es un gran reto el que tienen los bancos tradicionales en el Perú para lograr ofrecer nuevos servicios ágiles para competir con las fintech.
El término fintech es usado de una manera genérica para englobar a todas las empresas que ofrecen servicios digitales financieros, pero en la práctica existen muchos tipos diferentes de fintech, dependiendo del tipo de servicios que ofrecen. Es tambien difícil agrupar las fintech en sub grupos, debido a la agilidad en que pivotan este tipo de empresas e inclusive ofrecen diversos servicios, lo que dificulta encasillarse en una sola división. En este artículo voy a usar la clasificación que usa la empresa Finnovating que son veintiuno:
- CURRENCIES: Aquí se engloban las empresas que se dedican al tipo de cambio online, donde actualmente se encuentran identificadas 8 empresas: Billex, Cambista, Donde Descargar, Fintuu, Kambista, KeyEx, Mi Cambio, MidPointFX, Rextie y TuCambista.pe
- INSURTECH: que son empresas que ofrecen servicios digitales para empresas de seguros donde figuran HelloZum que ofrece una plataforma de integración para el ecosistema asegurador global y Seguro SIMPLE que es un bróker de seguros digital.
- SCORING: Que son empresas que se dedican a la evaluación del riesgo crediticio donde Figuran EFL, Kalifica y ProSol
- PAYMENT CARDS: que son empresas que ofrecen tarjetas de pagos digitales donde figuran La Mágica, Ligo, BIM, Monet, Plata, Provis y VoyGo.
- PAYMENT APPS: que son aplicaciones de pagos online como Agente Cash, Agente Kasnet, altoke, exchanger, InkaPay, NovoPayment, Pay&Go y Yape.
- COLLECTIVE PAYMENTS: para juntar dinero para hacer pagos colectivos como la fintech Yuntas.
- PAYMENT PLATFORM: Es una plataforma múltiple de pagos donde está la empresa CULQI que acaba de recibir inversión del Banco de Crédito del Perú.
- REMITTENCES: Que son empresas que se dedican al envío de remesas de dineros del extranjero donde está Remesend.
- FINANCIAL INFRAESTRUCTURE: que se dedican a facilitar infraestructura para operaciones financieras donde figuran las empresas Credinnova, eFact, Laudox, Vecinos 360 y Wally.
- RISK MANAGEMENT TOOLS: Que son empresas que se dedican al manejo del riesgo financiero donde figura la fintech Risko y Xchange.
- SAVING TOOLS: que son empresas fintech que ayudan a conseguir mejores tasas por sus ahorros como BEFX y TasaTop.
- PERSONAL FINANCE TOOLS: Que son empresas que apoyan en las finanzas personales como Ayllu, Inka Labs y Mensajea.net
- CROWDLENDING y CROWDFUNDING: Que ayudan en préstamos personales o conseguir fondos colectivos como Afluenta, Chanchita, Kapital social, Préstale un sol, Prestamype, Tienda Pago y WePayU.
- LENDING MARKETPLACE: Como la empresa Sofi.la que se dedica a facilitar una solución para la venta de créditos online a las fuerzas de ventas de empresas.
- FACTORING: Que son empresas que se dedican al financiamiento a través de la compra de facturas como las empresas Factoring Lab, Innova Factoring e Innova Funding.
- DEBT COMPENSATION: Que son empresas que se dedican al manejo de deuda como la empresa RebajaTusCuentas.com que ayuda a pagar menos intereses por tus créditos.
- MICRO CREDITS: que son empresas que se dedican al microcréditos como Andy, Apurata, Independencia, Solven y CrediFace.
- LENDING COMPARISON: Que se dedican a la comparación de préstamos como la fintech ComparaBien, Kin y Robin.
- P2P: son las famosas plataforma peer to peer que se dedican a juntar a los que prestan con los que necesitan dinero como Difondy
- LENDING: Empresas de préstamos online como AgroCredit, eCash y Kontigo
- INVESTMENT MANAGEMENT: que se dedican al manejo de inversiones como la fintech Zest.
Si bien en total son 72 empresas que tienen mapeadas la empresa Finnovating, en realidad algunas de estas empresas están en varios subgrupos, pero por razones de simplicidad se coloca en la división que más se desempeñan. Aún hay varias fintech que están operando en el mercado peruano que seguramente van a ir apareciendo en las futuras versiones, como es el caso de la empresa Mercania que es un marketplace que facilita el crédito a distribuidores a través de los bancos, así como tambien la empresa de factoring Facturedo con presencia en Perú, Chile y México; así como el grupo SRM de Brasil que pronto iniciará operaciones de factoring en Perú.
Sin duda que el ecosistema de fintech sigue creciendo fuertemente en el mercado peruano y pronto vamos a ser testigo de nuevas incorporaciones tanto de emprendimientos peruanos, como fintech del extranjero que iniciaran operaciones en Perú este año 2019. Si tienen una fintech y no figuran en el mapa me pueden contactar vía WhatsApp +51 975002719
A continuación pueden ver el mapa completo de las fintech en Perú:
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