Design of a Digital Educational Financing Solution Using the Lean Canvas Approach: Empirical Evidence from Peruvian University Students

Abstract

This study examines how economic constraints become a decisive obstacle for many university students in Peru to complete their studies and obtain a degree. In this context, UniCrédit is proposed, a digital educational financing solution, structured with the Lean Canvas approach, which seeks to offer accessible microcredits to cover tuition fees and costs associated with obtaining a degree. The research was conducted using a quantitative, non-experimental, cross-sectional design; a 23-item survey was administered to 169 students, and the results were processed using descriptive statistics. The findings show a high willingness to apply for academic credit (91.1%), as well as a clear preference for digital channels, mainly the mobile application (56.2%) and, secondly, digital wallets (28.4%). In terms of the financing required, the most frequent amounts are between S/ 1,500 and S/ 3,000, while the interest rate appears to be the most influential factor when choosing a credit alternative. In addition, a profile of students with previous experience of financial inclusion and a relevant perception of risk has been identified, accompanied by an interest in financial education, which supports the viability of the proposal. Overall, the results suggest that UniCrédit can respond appropriately to the “last mile” of educational financing, reducing access friction and contributing to improving the efficiency of completion and graduation in higher education.