Propuesta de creación de una cooperativa de ahorro y crédito digital.

Abstract

If we were to analyze the existing gaps between the levels of development of a bank and that of a credit union, we would notice that credit unions have not only fallen behind in terms of technological development, but also in how to build an image, in how they operate their services, and in the interaction with their users, apart from that, for many they look unreliable, Under this context, the opportunity was born, based on a vast market analysis, to create NONCO-OP, a savings and credit cooperative 100% digital, which seeks not only to digitize 100% of its processes, services or interaction with users, but in turn, seeks to modernize and strengthen the image and credibility that cooperatives have in the country. This cooperative will offer its services through a website and a mobile application, which will be developed through programming software such as Python, Django, Docker, PostgreSQL, etc., as well as through digital databases such as SQL Server 2022, Web Hosting services such as AWS (Amazon Web Services), and cloud storage programs such as Microsoft Azure, all of which are digital tools that are at the forefront of the current market in the field of technological development. This work seeks to benefit Ecuadorians with a modern, reliable, and efficient financial institution.