Análisis de los factores que intervienen en la creación de los productos financieros de las bancas de desarrollo. Metodología de Creación de Productos Financieros para CFN B.P.

Abstract

The present research work was carried out in order to identify the factors that determine the success in the design of financial products of the Corporación Financiera Nacional B.P. analyzing literature on innovation, competitiveness, inclusion and access to financing accompanied by the review of experiences of development banks in the region, where good practices were found that are worthy of replicating, and that have been covered throughout the research to adapt a logical and simple process for product design through the development of a design methodology proposal that can be implemented in the CFN BP. Through a market research composed of interviews with professionals with extensive experience in the field of development banks worldwide and clients of CFN B.P. To learn perspectives on the role of development banking, the points of convergence between banking and private companies in Ecuador for the design of successful financial products, it was possible to specify the main success factors and the appropriate characteristics for the design of financial products aimed at generating financial inclusion and access to financing and that these allow banks to ensure their sustainability, allowing the development of a proposed Methodology for the Design of Financial Products for CFN B.P.