{"id":10886,"date":"2021-07-01T10:00:57","date_gmt":"2021-07-01T15:00:57","guid":{"rendered":"https:\/\/backup.primeaction.com\/sp\/?p=10886"},"modified":"2021-06-27T19:29:58","modified_gmt":"2021-06-28T00:29:58","slug":"los-ciberataques-frenan-el-crecimiento-de-las-fintechs","status":"publish","type":"post","link":"https:\/\/backup.primeaction.com\/sp\/los-ciberataques-frenan-el-crecimiento-de-las-fintechs\/","title":{"rendered":"Los ciberataques frenan el crecimiento de las fintechs"},"content":{"rendered":"

El desarrollo de la banca digital y de las fintech (tecnol\u00f3gicas financieras) durante el a\u00f1o de la pandemia fue muy relevante, pero estas empresas enfrentan cada vez m\u00e1s ciberataques que minan la confianza de los usuarios y, por lo tanto, da\u00f1an el prop\u00f3sito de inclusi\u00f3n financiera que buscan.<\/p>\n

\u201cLa pandemia aceler\u00f3 y empuj\u00f3 las iniciativas de pagos y billeteras digitales\u201d, dijo Iv\u00e1n Marchant, VP de Comscore para Colombia, M\u00e9xico, Per\u00fa y Centroam\u00e9rica, quien ejemplific\u00f3 la situaci\u00f3n con iniciativas como Konfio o Kueski, que tuvieron incrementos del 6% y el 3%, respectivamente, o bancos tradicionales, como Citibanamex, Santander y Scotiabank, los cuales crecieron por arriba del 5%.<\/p>\n

No obstante, este desarrollo estuvo acompa\u00f1ado de complejidades, derivadas de rezagos en infraestructura digital y en ciberseguridad, advirti\u00f3 Pedro Adalberto Gonz\u00e1lez, director de evaluaci\u00f3n de servicios financieros del Banco de M\u00e9xico (Banxico), durante una conferencia sobre fintech en M\u00e9xico, Am\u00e9rica Latina y el Caribe, donde destac\u00f3 que el uso de canales digitales puede contribuir s\u00f3lo si se atienden los riesgos que conlleva su implementaci\u00f3n.<\/p>\n

Y es que la materializaci\u00f3n de estos riesgos, explic\u00f3 el especialista, pueden generar da\u00f1os en tres niveles a las instituciones. Por un lado, se presentan disrupciones en los servicios, lo cual produce que los servicios dejen de estar disponibles.<\/p>\n

Adem\u00e1s, \u201chay afectaci\u00f3n a la integridad, confidencialidad y disponibilidad de la informaci\u00f3n que gestiona la instituci\u00f3n, incluida la de sus clientes; as\u00ed como p\u00e9rdidas econ\u00f3micas de las organizaciones o de sus usuarios\u201d, dijo.<\/p>\n

De acuerdo con Gerardo Obreg\u00f3n, fundador de Prestadero, una fintech que recientemente logr\u00f3 su autorizaci\u00f3n por parte de la Comisi\u00f3n Nacional Bancaria y de Valores (CNBV), \u201cel tema de ciberataques siempre va a estar presente\u201d, acept\u00f3, aunque tambi\u00e9n acot\u00f3 que aquellas que operan bajo la llamada Ley Fintech est\u00e1n mejor posicionadas al respecto.<\/p>\n

\u201cHay varios puntos en la legislaci\u00f3n que contemplan este tema, desde asuntos preventivos\u201d, detall\u00f3 Obreg\u00f3n, \u201ccomo realizar pruebas de penetraci\u00f3n a tu plataforma, hasta la vigilancia de que los planes de continuidad sean robustos, con el fin de que ante un ataque, el restablecimiento de sistemas se haga sin mayores interrupciones\u201d.<\/p>\n

Asimismo, puntualiz\u00f3 que los usuarios deben tener una educaci\u00f3n financiera que les permita hacer un uso m\u00e1s responsable de las herramientas digitales del sector, con el objetivo de que se alcance el prop\u00f3sito de la inclusi\u00f3n.<\/p>\n

Por otra parte, uno de los sectores que ha logrado sobreponerse a las afectaciones relacionadas con ciberseguridad es el de las peque\u00f1as y medianas empresas (pymes), pues un informe de la firma especializada en ciberseguridad, Kaspersky, detalla que el 70% de los dispositivos usados en emprendimientos de la regi\u00f3n tienen software de seguridad instalado y de estos, 96% est\u00e1n protegidos con licencias de paga.<\/p>\n

Adem\u00e1s, las empresas tambi\u00e9n han incrementado sus presupuestos de protecci\u00f3n inform\u00e1tica, pues pasaron de invertir 114,000 d\u00f3lares en 2019 a 250,000 d\u00f3lares en el 2020, debido a que en alg\u00fan momento fueron v\u00edctimas de una vulnerabilidad (ransomware, malware o ataques dirigidos) y no quieren que se repita esa historia.<\/p>\n

Estos incidentes, detall\u00f3 la compa\u00f1\u00eda, provocaron que el 36% de las pymes pagaran compensaciones a clientes, 32% solventara multas o penalidades, 31% perdiera socios de negocios y 29% enfrentaran problemas para encontrar nuevos usuarios.<\/p>\n

Seg\u00fan Claudio Martinelli, director general para Am\u00e9rica Latina en Kaspersky, \u201clas pymes latinoamericanas est\u00e1n cada vez m\u00e1s conscientes de la importancia de la ciberseguridad y vemos que, a pesar de que muchas compa\u00f1\u00edas han tenido efectos econ\u00f3micos adversos como consecuencia de la pandemia, tienen claro que no es un gasto, sino una inversi\u00f3n\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"

Las tecnol\u00f3gicas financieras viven un crecimiento importante en M\u00e9xico, pero eso las convierte cada vez m\u00e1s en el blanco de los hackers, un problema frente al que deben protegerse con mayor solidez.<\/p>\n","protected":false},"author":10,"featured_media":10888,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"single-post.php","format":"standard","meta":{"_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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