TRANSFORMACIÓN DIGITAL DE LA COBRANZA EN INSTITUCIONES EDUCATIVAS PRIVADAS MEDIANTE FINTECH

Abstract

The management of tuition fee collection in private educational institutions is a complex challenge due to factors that interfere with user satisfaction, convenience, and security, in addition to recurring delinquency, duplicate charges, manual verification processes, and the limitations of currently available technology platforms. These difficulties affect institutional liquidity and cause inconvenience to parents, compromising the financial sustainability and image of the institution. This project proposes the implementation of a national payment gateway integrated with the Educalinks platform and an institutional mobile application. This solution seeks to automate payment management, validate payments in real time, offer flexible options such as interest-free credit card deferrals, Proyecto Integrador Caso de Negocio and reduce the likelihood of administrative errors. The proposal also includes automatic notifications and immediate confirmations for representatives, thereby enhancing the user experience. Through analysis of alternatives, it was determined that maintaining the current system (status quo) increases problems of delinquency and administrative efficiency, while the implementation of a national gateway represents a more viable and sustainable option. Although it involves an initial investment of $8,848, the expected benefits are greater and in the short term. In conclusion, the project not only contributes to improving institutional liquidity and optimizing cash flow, but also positions the educational unit as a pioneer in the adoption of fintech solutions within the private education sector.