{"id":8762,"date":"2021-02-19T10:00:59","date_gmt":"2021-02-19T16:00:59","guid":{"rendered":"https:\/\/backup.primeaction.com\/sp\/?p=8762"},"modified":"2021-02-15T13:55:09","modified_gmt":"2021-02-15T19:55:09","slug":"plataformas-digitales-la-clave-para-la-bancarizacion","status":"publish","type":"post","link":"https:\/\/backup.primeaction.com\/sp\/plataformas-digitales-la-clave-para-la-bancarizacion\/","title":{"rendered":"Plataformas digitales: La clave para la bancarizaci\u00f3n"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/cdn.forbes.com.mx\/2020\/04\/ecommerce-2607114_1280-640x360.jpg\" width=\"640\" height=\"360\" class=\"alignnone size-medium lazyload\" \/><noscript><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/cdn.forbes.com.mx\/2020\/04\/ecommerce-2607114_1280-640x360.jpg\" width=\"640\" height=\"360\" class=\"alignnone size-medium\" \/><\/noscript><\/p>\n<p>81% es el crecimiento del e-commerce en M\u00e9xico durante 2020. Cifra presentada la semana pasada por la AMVO (Asociaci\u00f3n Mexicana de Venta Online).<\/p>\n<p>\u00bfPoco?, dicho crecimiento no visto hasta el momento, supone acortar en cinco a\u00f1os las previsiones de crecimiento del comercio electr\u00f3nico para nuestra geograf\u00eda. Sin duda, la pandemia provoc\u00f3 una adopci\u00f3n acelerada de la tecnolog\u00eda para usos y compras cotidianas, bienes y servicios que a golpe de click (en su mayor\u00eda desde el celular) llegan a nuestro hogar de forma r\u00e1pida y c\u00f3moda.<\/p>\n<p>\u00bfMucho?, esta cifra deber\u00eda ser a\u00fan mas importante con una mayor penetraci\u00f3n de la banca digital: apenas 3% aprox. de la poblaci\u00f3n en el pa\u00eds utiliza smartphones para pagar, una cifra completamente baja, considerando que el 93% se conecta a Internet por medio de su tel\u00e9fono celular.<\/p>\n<p>Sobre lo anterior, destacan dos tendencias claras. Por un lado, se aceleran las alianzas entre bancos-fintech-terceros para ofrecer productos sencillos, amigables y transparentes; conocido como Embedded Finance (o finanzas integradas) y presenta una oportunidad real de leapfrogging para la bancarizaci\u00f3n porque combina en un solo ecosistema digital: conocimiento (producto e inteligencia de datos), tecnolog\u00eda y una amplia base de clientes.<\/p>\n<p>El \u00e9xito reside en entender y estar donde los usuarios est\u00e1n, integrando los servicios financieros en su d\u00eda a d\u00eda, sin fricciones. Entendiendo los casos de uso, y pensando en el \u201cpara qu\u00e9 final\u201d antes que en el \u201cc\u00f3mo\u201d. Un ejemplo concreto de ello es el acuerdo in\u00e9dito de Banco Sabadell y Telef\u00f3nica para ofrecer cr\u00e9ditos al consumo v\u00eda digital para millones de clientes, la mayor\u00eda infra bancarizados.<\/p>\n<p>Por otro lado, vemos la emergencia de plataformas digitales que van mucho m\u00e1s all\u00e1 de la propuesta ya ultra-competida de cuenta \u2013 tarjeta \u2013 cr\u00e9dito que ofrecen productos m\u00e1s sofisticados, como acceso a mercados burs\u00e1tiles y que est\u00e1 teniendo un \u00e9xito abrumador.<\/p>\n<p>El mejor ejemplo es Flink que ofrece un producto de inversi\u00f3n disruptor y que acaba de cerrar su \u201cSerie A\u201d tras alcanzar el mill\u00f3n de usuarios en tiempo r\u00e9cord.  El \u00e9xito de Flink pone en jaque la creencia com\u00fan que no se puede democratizar el acesso a todos los productos financieros. Y solo vemos la punta del iceberg: una mirada hacia el ecosistema fintech brasile\u00f1o (un poco m\u00e1s avanzado que el nuestro) demuestra que a\u00fan hay mucho por hacer en M\u00e9xico.<\/p>\n<p>Finalmente, m\u00e1s all\u00e1 de estas u otras tendencias (por ejemplo, no hablamos aqu\u00ed de la excelente salud del ecosistema fintech mexicano), para lograr una mayor inclusi\u00f3n financiera, los retos principales siguen siendo: el temor y desconocimiento de los clientes hacia el mundo digital (que gracias a la pandemia es cada vez menor), la generaci\u00f3n de confianza a partir de un sistema robusto de ciberseguridad, y la estrecha colaboraci\u00f3n entre las instituciones financieras y la regulaci\u00f3n (que impulsa y habilita la digitalizaci\u00f3n financiera).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sin duda, la pandemia provoc\u00f3 una adopci\u00f3n acelerada de la tecnolog\u00eda para usos y compras cotidianas, bienes y servicios que a golpe de click.<\/p>\n","protected":false},"author":10,"featured_media":8764,"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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_mbp_gutenberg_autopost":false,"fifu_image_url":"https:\/\/cdn.forbes.com.mx\/2020\/04\/ecommerce-2607114_1280-640x360.jpg","fifu_image_alt":"Plataformas digitales: La clave para la bancarizaci\u00f3n","footnotes":""},"categories":[9],"tags":[],"class_list":["post-8762","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-post-servicios"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Plataformas digitales: La clave para la bancarizaci\u00f3n &#183; 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