Elaboración de propuesta de automatización del proceso de crédito banca de personas, Institución Bancaria en Honduras
Loading...
Date
2025-05-26
Journal Title
Journal ISSN
Volume Title
Publisher
Universidad Tecnológica Centroamericana UNITEC
Abstract
El objetivo principal de esta investigación es desarrollar una propuesta de automatización para el proceso de crédito de consumo, y el re diseño del crédito de vehículo y vivienda de banca personas de una institución bancaria en Honduras. La propuesta busca optimizar la eficiencia operativa y reducir los tiempos de resolución, utilizando tecnologías avanzadas. El estudio se llevó a cabo entre los meses de julio y septiembre de 2024, en el marco de la obtención del Título de Maestría en Dirección Empresarial. A lo largo de la investigación, se realizó un diagnóstico exhaustivo de las áreas involucradas en el proceso de crédito, identificando las debilidades y proponiendo
mejoras basadas en la automatización de los procesos clave. Los resultados del diagnóstico y las propuestas de mejora permitirán a la institución no solo reducir costos operativos, sino también mejorar la experiencia del cliente, contribuyendo a fortalecer su competitividad en el mercado financiero actual.
The main objective of this research is to develop an automation proposal for the consumer credit process and redesign the vehicle and mortgage loans in the retail banking sector of a financial institution in Honduras. The proposal aims to optimize operational efficiency and reduce resolution times by utilizing advanced technologies. The study was conducted between July and September 2024 as part of the requirements for the Master’s Degree in Business Administration. Throughout the research, a comprehensive diagnosis of the areas involved in the credit process was carried out, identifying weaknesses and proposing improvements based on the automation of key processes. The results of the diagnosis and the improvement proposals will enable the institution not only to reduce operational costs but also to enhance the customer experience, contributing to strengthening its competitiveness in the current financial market.
The main objective of this research is to develop an automation proposal for the consumer credit process and redesign the vehicle and mortgage loans in the retail banking sector of a financial institution in Honduras. The proposal aims to optimize operational efficiency and reduce resolution times by utilizing advanced technologies. The study was conducted between July and September 2024 as part of the requirements for the Master’s Degree in Business Administration. Throughout the research, a comprehensive diagnosis of the areas involved in the credit process was carried out, identifying weaknesses and proposing improvements based on the automation of key processes. The results of the diagnosis and the improvement proposals will enable the institution not only to reduce operational costs but also to enhance the customer experience, contributing to strengthening its competitiveness in the current financial market.
Keywords
automatización, crédito, eficiencia operativa