{"id":8784,"date":"2021-02-22T09:00:02","date_gmt":"2021-02-22T15:00:02","guid":{"rendered":"https:\/\/backup.primeaction.com\/sp\/?p=8784"},"modified":"2021-02-17T17:16:13","modified_gmt":"2021-02-17T23:16:13","slug":"digitalizacion-de-la-banca-de-desarrollo","status":"publish","type":"post","link":"https:\/\/backup.primeaction.com\/sp\/digitalizacion-de-la-banca-de-desarrollo\/","title":{"rendered":"Digitalizaci\u00f3n de la banca de desarrollo"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/www.eleconomista.com.mx\/__export\/1613530983125\/sites\/eleconomista\/img\/2021\/02\/16\/tecnologia_shutterstock_1411294787_1.jpg_1093282975.jpg\" width=\"1120\" height=\"633\" class=\"alignnone size-medium lazyload\" \/><noscript><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/www.eleconomista.com.mx\/__export\/1613530983125\/sites\/eleconomista\/img\/2021\/02\/16\/tecnologia_shutterstock_1411294787_1.jpg_1093282975.jpg\" width=\"1120\" height=\"633\" class=\"alignnone size-medium\" \/><\/noscript><\/p>\n<p>La transformaci\u00f3n digital reduce brechas en distintos \u00e1mbitos de nuestra vida, como el financiero, la educaci\u00f3n, la salud, el acceso a la informaci\u00f3n y la adquisici\u00f3n de bienes, entre otros. La demanda de los consumidores por experiencias cada vez m\u00e1s r\u00e1pidas y personalizadas est\u00e1n marcando la pauta de los nuevos modelos de negocio; la pandemia mundial de 2020 ha obligado al \u00e1mbito financiero, al igual que otras actividades, a responder con rapidez y aprovechar los beneficios de los canales digitales.<\/p>\n<p>Resultado de la investigaci\u00f3n del Banco Interamericano de Desarrollo \u201cHacia la Transformaci\u00f3n Digital de la Banca P\u00fablica de Desarrollo en Am\u00e9rica Latina y el Caribe\u201d realizada en 2019 y 2020, queda documentado que el desarrollo tecnol\u00f3gico ha sido clave para la evoluci\u00f3n del sector financiero permitiendo mejorar el desempe\u00f1o y alcance de las empresas; de esta manera, la banca de desarrollo tambi\u00e9n est\u00e1 siendo dirigida de manera inminente a su transformaci\u00f3n digital.<\/p>\n<p>De acuerdo al estudio, la aceleraci\u00f3n de los desarrollos tecnol\u00f3gicos de la industria bancaria y la banca de desarrollo, est\u00e1 siendo dirigida por dos fuerzas tecnol\u00f3gicas disruptivas: las fuentes alternativas de datos (Open Banking) y la conectividad (aplicaciones en l\u00ednea).<\/p>\n<p>En el caso espec\u00edfico de la regi\u00f3n de Am\u00e9rica Latina y el Caribe, que existen asimetr\u00edas de la informaci\u00f3n entre deudores y acreedores que incrementan el riesgo percibido por los acreedores, reduciendo con esto, las oportunidades de acceso al cr\u00e9dito e incrementando el costo del financiamiento. Estas aplicaciones tecnol\u00f3gicas, ampl\u00edan la capacidad para obtener informaci\u00f3n de calidad que junto con una buena gesti\u00f3n de datos promueve la generaci\u00f3n de productos diferenciados, ofrecer productos adaptados a cada perfil basados en la parametrizaci\u00f3n y modelizaci\u00f3n de datos.<\/p>\n<p>Mediante encuestas realizadas a 35 de los 65 bancos de pa\u00edses miembros de la Asociaci\u00f3n Latinoamericana de Instituciones Financieras para el Desarrollo (ALIDE), concluye que en la regi\u00f3n el aprovechamiento de la tecnolog\u00eda se ha enfocado en tres aspectos: 1) mejorar la experiencia del cliente, 2) hacer m\u00e1s eficientes los procesos mediante la digitalizaci\u00f3n, y 3) hacia el modelo de negocio, con cambios a tecnolog\u00edas digitales.<\/p>\n<p>Mostr\u00f3 que aproximadamente el 58% de los bancos tienen entre 1 y 3 a\u00f1os que iniciaron sus estrategias de transformaci\u00f3n, de estos, 27% ha logrado acortar el tiempo de respuesta generado beneficios hacia los clientes, y 12% logr\u00f3 ampliar el acceso al cr\u00e9dito de segmentos no atendidos.<\/p>\n<p>Los retos de la digitalizaci\u00f3n son significativos, y entre ellos se observan la dificultad de sustituir los procesos actuales y adaptar la arquitectura de sistemas, la falta de cultura organizacional para adoptar nuevos procesos, falta de conocimientos metodol\u00f3gicos y de capacitaci\u00f3n, entre los principales.<\/p>\n<p>Como parte de la banca en apoyo a las actividades agropecuarias, FIRA est\u00e1 impulsando su transformaci\u00f3n hacia procesos digitales que le permitan acercarse a un mayor segmento de productores mediante alternativas de informaci\u00f3n que generen de manera innovadora un perfil del acreditado, as\u00ed como ampliando el acceso al financiamiento mediante canales no tradicionales. Teniendo como un objetivo prioritario la inclusi\u00f3n financiera, el aprovechamiento de las tecnolog\u00edas digitales son un paso necesario que traer\u00e1 beneficios a los productores del sector.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Los retos de la digitalizaci\u00f3n son significativos, y entre ellos se observan la dificultad de sustituir los procesos actuales y adaptar la arquitectura de sistemas, la falta de cultura organizacional para adoptar nuevos procesos, falta de conocimientos metodol\u00f3gicos y de capacitaci\u00f3n, entre los principales<\/p>\n","protected":false},"author":10,"featured_media":8786,"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:\/\/www.eleconomista.com.mx\/__export\/1613530983125\/sites\/eleconomista\/img\/2021\/02\/16\/tecnologia_shutterstock_1411294787_1.jpg_1093282975.jpg","fifu_image_alt":"Digitalizaci\u00f3n de la banca de desarrollo","footnotes":""},"categories":[6],"tags":[],"class_list":["post-8784","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-post-agronegocios"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Digitalizaci\u00f3n de la banca de desarrollo &#183; 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