Propuesta metodológica para implementación de la norma técnica de gestión de riesgos ISO 31000 en las Fintech en Colombia

Abstract

The accelerated growth of Fintech companies in Colombia is transforming the national financial landscape. While this expansion brings significant opportunities, it also exposes organizations to a broad range of uncertainties and associated risks. In response, this research proposes a practical and adaptable methodology to support the implementation of ISO 31000 in Colombian Fintech startups, aiming to enhance their risk management processes. The study adopts a mixed-method approach, combining document analysis with a survey administered to users of digital financial services. Strategic tools such as PESTEL and SWOT analyses were applied to identify key risk factors, including cybersecurity threats, evolving regulatory frameworks, and user distrust. The findings support the development of strategic guidelines to mitigate these risks, fostering a more sustainable, secure, and innovative Fintech ecosystem. The proposed methodology contributes to regulatory compliance and improved organizational performance in early-stage Fintech enterprises.