This project aims to develop a business plan on an entrepreneurial idea called VelaPay, which is a web application designed to direct online all kinds of goods and services invoices through computers or mobile devices in a way that facilitates e-commerce ( Laudon & Guercio Traver, 2015) and organize the finances of digital users. This web application builds a payment profile of each user by the registration process and collects information intelligently building an electronic payment scheme periodically, automating at the same time the consumption habits under historical comportment patterns that solve the usual consumption needs of Digital users. Through this platform, users will not worry about paying their bills because the web application will be in charge of doing all payments at the corresponding dates as a digital financial solution that promotes responsible and safe consumption. The difference with other applications offered by the market is that: VelaPay automates the decision-making power of the user, while the applications that exist today are based on an action taken by the consumer from his cell phone whenever he requires it. In this way, VelaPay is an alternative that seeks for the consumer to parameterize their onsumption only once, and the application is responsible for paying it with the periodicity that is required in an automated way, and that is how consumers eliminate a concern of their days so that The application takes care of it. The afore mentioned will allow the creation of an efficient payment ecosystem for consumers that allows them to save time in rows and commitments to pay bank loan fees, payment of public services, payment of their children's academic tuition, among others, such as for providers saving costs of portfolio collection and inventory management. Finally, it is important to highlight that this idea fits into the current reality where the business world spins faster and faster and develops efficient alternatives that adjust to the constant consumption changes experienced by digital users who continue to demand digital financial solutions that contribute to the liberation of time and careless of all the commitments that today must be remembered and paid.
