Plan de negocio para la creación de una plataforma de tecnología financiera comunitaria con inteligencia artificial para el fortalecimiento económico de emprendimientos emergentes en Guayaquil.

Abstract

This business plan proposes the creation of Inspira+, a community-based financial technology platform powered by artificial intelligence, aimed at strengthening the economic and administrative management of emerging ventures in the city of Guayaquil. The proposal responds to the difficulties entrepreneurs face in properly managing their income, expenses, budgets, and financial decisions by integrating financial management tools, business education, artificial intelligence, and a collaborative community within a single digital platform. This project targets entrepreneurs and startups with less than five years in operation. A mixed-method approach was used to identify target market needs and preferences, including quantitative research through 375 surveys to satisfy the sample size. The results demonstrated strong acceptance of the idea and desire for income and expense tracking, budgeting, report production, reminders, and AI support. Free, Premium, and Pro plans of the Inspira+ business model give basic functions for free while charging for premium services. To assess project feasibility, strategic, commercial, operational, and financial plans were created. Finally, the economic and financial study evaluates the viability of Inspira+, considering an initial investment of USD 20,000 and a five-year financial projection. The base scenario results show a minimum attractive rate of return (MARR) of 14.24%, a net present value (NPV) of USD 15,012.93, an internal rate of return (IRR) of 36.03%, and an estimated payback period of 2.71 years. These results indicate financial viability under the assumptions established for user acquisition, growth, revenues, and costs, which must be validated during implementation.