{"id":12085,"date":"2018-09-10T11:25:42","date_gmt":"2018-09-10T11:25:42","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=12085\/"},"modified":"2018-12-04T12:30:30","modified_gmt":"2018-12-04T12:30:30","slug":"fintechs-risks-and-their-impact-on-credit-institutionsbusiness-models","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/fintechs-risks-and-their-impact-on-credit-institutionsbusiness-models\/","title":{"rendered":"Fintechs: risks and their impact on credit institutions&#8217; business models"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/12085?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\/12085?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><span style=\"font-weight: 400;\">El pasado 3 de julio la EBA public\u00f3 dos informes relativos a Fintechs. Ambos documentos, englobados dentro del contexto establecido para la EBA FinTech Knowledge Hub, exponen aspectos relevantes del sector Fintech. El primero de ellos, <\/span><i><span style=\"font-weight: 400;\">\u201cEBA report on the impact of fintech on incumbent credit institutions&#8217; business models\u201d,<\/span><\/i><span style=\"font-weight: 400;\"> trata el impacto de las Fintechs en los modelos comerciales de las instituciones de cr\u00e9dito, y el segundo, \u201c<\/span><i><span style=\"font-weight: 400;\">EBA Report on the prudential risks and opportunities arising for institutions from fintech\u201d<\/span><\/i><span style=\"font-weight: 400;\"> analiza los riesgos y oportunidades a los que estas nuevas empresas se enfrentan.<\/span><\/p>\n<p><b>Informe sobre el impacto en los modelos de negocio<\/b><\/p>\n<p><span style=\"font-weight: 400;\">La sociedad ha experimentado un gran cambio tecnol\u00f3gico que ha incidido directamente en el sector bancario y los factores principales derivados de este desarrollo son: las expectativas y comportamiento del cliente, los problemas de rentabilidad, la creciente competencia y el marco regulatorio.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Seg\u00fan se desprende del informe, existen dos tendencias para abordar los proyectos de digitalizaci\u00f3n: la transformaci\u00f3n digital, entendida como una transformaci\u00f3n de los procesos internos que permite optimizar operaciones; y la disrupci\u00f3n digital, que supone la creaci\u00f3n de un nuevo mercado caracterizado por el uso de tecnolog\u00edas innovadoras que incluye nuevas formas de interacci\u00f3n con el cliente para mejorar la experiencia del mismo.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Adem\u00e1s, seg\u00fan la EAB, existen cinco factores que podr\u00edan afectar significativamente a los modelos comerciales de la industria desde la perspectiva de la sostenibilidad: las estrategias de digitalizaci\u00f3n e innovaci\u00f3n que persiguen las instituciones ya establecidas para sobrevivir en una sociedad en continua evoluci\u00f3n, \u00a0los desaf\u00edos derivados de sistemas de Tecnolog\u00edas de la Informaci\u00f3n y Comunicaci\u00f3n (TIC) heredados, la capacidad operativa para implementar los cambios necesarios, las preocupaciones sobre retener y atraer clientes y, por \u00faltimo, aumentar el riesgo de competencia con otras entidades.<\/span><\/p>\n<p><b>Informe sobre riesgos y oportunidades de las Fintechs<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Con el fin de ilustrar los riesgos y oportunidades que el uso de las nuevas tecnolog\u00edas puede acarrear, el documento analiza siete supuestos aplicables a servicios financieros: la autenticaci\u00f3n biom\u00e9trica mediante huellas digitales, el asesoramiento de inversi\u00f3n con robo-advisors, el uso de big data y machine learning para la calificaci\u00f3n crediticia, el uso de Smart-contracts para financiaciones, el uso de Tecnolog\u00eda ledger* para agilizar los procesos de due diligence del cliente, billetera m\u00f3vil y la subcontrataci\u00f3n del sistema central de banca en la nube.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El estudio concluye que, aunque el compromiso con Fintech puede conllevar riesgos potenciales que deben evaluarse y gestionarse de manera exhaustiva, podr\u00edan a cambio materializarse en una serie de posibles oportunidades.<\/span><\/p>\n<div class=\"note\">\n<p><span style=\"font-weight: 400;\">* Tecnolog\u00eda de Contabilidad Distribuida o DLT (Distributed Ledger Technology)<\/span><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>El pasado 3 de julio la EBA public\u00f3 dos informes relativos a Fintechs. Ambos documentos, englobados dentro del contexto establecido para la EBA FinTech Knowledge Hub, exponen aspectos relevantes del sector Fintech. El primero de ellos, \u201cEBA report on the impact of fintech on incumbent credit institutions&#8217; business models\u201d, trata el impacto de las Fintechs [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":12089,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[],"class_list":["post-12085","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","numero-16m","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>Fintechs: risks and their impact on credit institutions&#039; business models<\/title>\n<meta name=\"description\" content=\"Fintechs: risks and their impact on credit institutions&#039; business models\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/fintechs-risks-and-their-impact-on-credit-institutionsbusiness-models\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fintechs: risks and their impact on credit institutions&#039; 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