<body onLoad="window.defaultStatus='Welcome!. You are in my weblog.';return true"><script type="text/javascript"> function setAttributeOnload(object, attribute, val) { if(window.addEventListener) { window.addEventListener('load', function(){ object[attribute] = val; }, false); } else { window.attachEvent('onload', function(){ object[attribute] = val; }); } } </script> <div id="navbar-iframe-container"></div> <script type="text/javascript" src="https://apis.google.com/js/platform.js"></script> <script type="text/javascript"> gapi.load("gapi.iframes:gapi.iframes.style.bubble", function() { if (gapi.iframes && gapi.iframes.getContext) { gapi.iframes.getContext().openChild({ url: 'https://www.blogger.com/navbar/9550158?origin\x3dhttps://www.txemaromero.com', where: document.getElementById("navbar-iframe-container"), id: "navbar-iframe" }); } }); </script>

Sunday, May 18, 2025

Master Thesis in Digital Transformation of Finance

Recently, my Master Thesis in Digital Transformation of Finance, entitled (in Spanish language) "Transformando la Educación financiera para jóvenes sin historial crediticio".

Abstract:

Mooláh is the online gamified assistant designed with the vision to transform financial literacy among Colombia's youth with no credit profiles. It serves a market where over 60% have no credits themselves and 70% have low money-manageability. Mooláh delivers personalized interactive learning embedded into financial tools. User testing at the preliminary level showed high interest and perceived value. The business model includes B2B partnerships with banks and financial technologies, user acquisition by influencers and university campus outreach, and revenue from user subscription. The project is targeting 60,000 active users during year one with an estimated 114.6% ROI. Funding requirements are COP 710 million for start-up.

The following screenshot shows the Mooláh public software repository.



Keywords: finance, gamified assistant, credit profiles, and Python.