{"id":11777,"date":"2018-06-25T11:48:33","date_gmt":"2018-06-25T11:48:33","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=11777\/"},"modified":"2018-06-25T16:43:20","modified_gmt":"2018-06-25T16:43:20","slug":"basic-regulatory-enablers-for-digital-financial-services","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/basic-regulatory-enablers-for-digital-financial-services\/","title":{"rendered":"Basic Regulatory Enablers for Digital Financial Services"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/11777?print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"Ver PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/11777?print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Imprimir contenido\" \/><\/a><\/div><p>El pasado mes de mayo la CGAP public\u00f3 el estudio \u201cBasic Regulatory Enablers for Digital Financial Services\u201d* en el que se presentan los habilitadores regulatorios b\u00e1sicos para el funcionamiento de los servicios financieros digitales (DFS).<\/p>\n<p>La CGAP, con el fin de avanzar en la inclusi\u00f3n financiera a trav\u00e9s de los DFS, ha analizado los marcos regulatorios y medidas aplicadas durante la \u00faltima d\u00e9cada en diez pa\u00edses** de los continentes africano y asi\u00e1tico.<\/p>\n<p>El documento refleja las diferentes formas en que estos pa\u00edses han implementado los habilitadores regulatorios b\u00e1sicos o <i>enablers<\/i> y cu\u00e1les han sido sus experiencias; centr\u00e1ndose en los cuatro que han guiado su trabajo:<\/p>\n<ol>\n<li>\u00a0Emisi\u00f3n de dinero electr\u00f3nico no bancario: cuentas prepago.<\/li>\n<li>\u00a0Uso de agentes: utilizaci\u00f3n de intermediarios para proporcionar a los clientes acceso a sus servicios.<\/li>\n<li>Diligencia debida del cliente (CDD): implantaci\u00f3n de pol\u00edticas de prevenci\u00f3n de blanqueo de dinero m\u00e1s o menos restrictivas en funci\u00f3n del nivel de riesgo de las transacciones.<\/li>\n<li>Protecci\u00f3n del consumidor: establecimiento de normas adecuadas a los DFS para garantizar seguridad y confianza.<\/li>\n<\/ol>\n<p>Tal y como se desprende del informe, estos cuatro aspectos son imprescindibles para el desarrollo de los DFS y, consecuentemente, para el desarrollo social e inclusivo. Por este motivo el documento proporciona, a partir de las conclusiones del estudio, ciertos puntos clave para que, gobiernos y reguladores implementen un marco normativo adecuado para los DFS.<\/p>\n<div class=\"note\">\n<p>* Staschen, Stefan, and Patrick Meagher. 2018. \u201cBasic Regulatory Enables for Digital Financial Services\u201d. Focus Note 109. Washington, D.C.: CGAP.<\/p>\n<p>** Kenya, Rwanda, Tanzania, Uganda, Costa d\u2019Ivoire, Ghana, Bangladesh, India, Pakist\u00e1n y Myanmar.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>El pasado mes de mayo la CGAP public\u00f3 el estudio \u201cBasic Regulatory Enablers for Digital Financial Services\u201d* en el que se presentan los habilitadores regulatorios b\u00e1sicos para el funcionamiento de los servicios financieros digitales (DFS). La CGAP, con el fin de avanzar en la inclusi\u00f3n financiera a trav\u00e9s de los DFS, ha analizado los marcos [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":11780,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[],"class_list":["post-11777","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","numero-15m","seccion-documentos-de-interes-microfinanzas"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Basic Regulatory Enablers for Digital Financial Services<\/title>\n<meta name=\"description\" content=\"Basic Regulatory Enablers for Digital Financial Services\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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