Estudo de Viabilidade e Plano de Negócio para uma FinTech de Gestão Financeira para MPEs

Abstract

Brazilian micro and small businesses face recurring difficulties in financial control, aggravated by low levels of financial literacy and the availability of management software characterized by high complexity or fragmented coverage. This study aimed to evaluate the technical, market, and economic-financial viability of a financial management platform, in the Software as a Service model, intended for this audience, through the development of a business plan. Regarding procedures, the research is characterized as applied, exploratory, and descriptive in nature, with a qualitative-quantitative approach, supported by a bibliographic and documentary survey of institutional and market sources. The plan was structured according to the nine-component model of Osterwalder and Pigneur, with economic-financial projections in three scenarios and a thirty-six-month horizon. The results indicate the existence of a market gap between high-cost integrated management systems and informal control tools, as well as economic viability in the base scenario, with an operational break-even point in the eleventh month, return on investment in the twenty-second month, and a positive Net Present Value. Analysis of economic unit metrics revealed that the business presents individually profitable customers in all three scenarios, shifting the critical viability factor from unit profitability to the customer acquisition rate. It is concluded that the venture is viable under the adopted assumptions, noting the prospective nature of the projections, the confirmation of which depends on the validation of the assumptions after the product launch.