Plataformas de financiamiento colectivo en México. Una alternativa para emprendedores

Abstract

COVID-19 has rethought and accelerated the use of technology in financial terms; the emergence and consolidation of the industry called Fintech (finance plus technology) has given way to the creation of financing alternatives that allow small investors to contribute economic resources to finance ideas or projects of social, business, and real estate through digital platforms of collective funding. In Mexico there is an attempt to regulate these platforms, however, it is still insufficient, therefore, the objective of this paper is to recognize the emergence of financial technology platforms and to identify whether they can be a new form of viable financing for entrepreneurship in Mexico, on the basis of a theoretical review of the collaborative economy model as a basis for the emergence of this collective financing model and then a classification of the type of existing platforms and the rewards they offer, in order to generate some conclusions that allow to delve into the subject and motivate new research work. The limitations of this research lie in the limited access to quantitative information to make a model that explains the penetration of this type of financing, the speed with which they are advancing both in market penetration and in the regulatory field, however, it is recognized that this paper contributes to the conceptualization of collective financing as well as to its dissemination and knowledge since it is a form of circulation of financial capital in the 21st century that is revolutionizing the form of credit in Mexico and the world.