Plan de negocio para una fintech que colabora en la colocaci?n y uso de tarjetas de cr?dito de consumo de las empresas financieras y banca m?ltiple

Se realiz? un plan de negocio para formar una Fintech cuyo prop?sito es de colaborar en la colocaci?n y uso de tarjetas de cr?ditos para la banca m?ltiple y financieras, brindando a sus consumidores finales, informaci?n personalizada acerca de los beneficios y promociones de la tarjeta de cr?dito mediante una plataforma digital de recomendaciones. Existen problemas en las entidades bancarias para enviar la informaci?n de los beneficios a los consumidores, tales como: campa?as que no son efectivas al no tener el consentimiento de las personas por la ley de protecci?n de datos y como los consumidores finales no pueden acceder a la informaci?n de una forma f?cil y confiable para utilizar los beneficios y promociones de las tarjetas de cr?ditos. Se realiz? dos estudios de mercado: se valid? las necesidades de los consumidores para medir la intenci?n de uso de beneficios, por ultimo se verific? la necesidad que tienen la financieras en entregar la informaci?n a los consumidores (Banco Falabella y Financiera oh). Por lo tanto, se concluye que la utilizaci?n de la plataforma de recomendaciones para beneficios y promociones es viable por la intenci?n de uso de los consumidores finales y banca m?ltiple y adem?s se demuestra viabilidad econ?mica y tecnol?gica para el plan de negocio de la tesis

Pacing-induced ventricular remodeling in the chick embryonic heart.

Chronic ectopic pacing in the adult heart induces myocardial hypotrophy close to the pacing site. We have recently described a similar localized decrease of compact myocardium thickness in the chick embryonic heart after 48 h of intermittent apical ventricular pacing. Here we analyze the cellular mechanisms underlying the response of the embryonic heart to pacing. Because the developing heart had been found to adjust its morphology according to functional demands by undergoing cellular hyperplasia or hypoplasia, we hypothesized that the stimulation should result in hypoplasia of the apical ventricular compartment. Morphologic analysis of hearts submitted to 18 h of effective pacing during 48 h showed a mild to moderate ventricular dilatation, a 28% decrease in the apical compact layer thickness with no changes in other ventricular locations, and atrial wall thickening. These modifications were caused by changes in the number of cell layers, whereas cell size was similar between paced and control hearts. Analysis of proliferative activity after 24 h of pacing showed a decrease of 32% in the rate of cell proliferation limited to the apical compact layer exposed to stimulation. No ultrastructural injury or increased cell death was found. These changes were accompanied by down-regulation of the myocardial growth factor fibroblast growth factor-2 but no differences were found in the expression of platelet-derived growth factor. Thus, chronic intermittent ventricular pacing induces myocardial remodeling in the chick embryonic heart, on the basis of locally regulated rates of cell proliferation