{"id":5616,"date":"2016-09-13T08:35:36","date_gmt":"2016-09-13T08:35:36","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=5616"},"modified":"2017-11-28T10:58:31","modified_gmt":"2017-11-28T10:58:31","slug":"when-microfinance-goes-digital-opportunities-challenges-and-dangers-for-microfinance-institutions-and-their-clients","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/when-microfinance-goes-digital-opportunities-challenges-and-dangers-for-microfinance-institutions-and-their-clients\/","title":{"rendered":"When microfinance goes digital: opportunities, challenges and dangers for microfinance institutions and their clients"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/5616?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\/5616?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;\">Esta Tesina fue escrita para el <\/span><b>M\u00e1ster Internacional en Microfinanzas para el Emprendimiento<\/b><span style=\"font-weight: 400;\"> de la Universidad Aut\u00f3noma de Madrid<\/span><b>,<\/b><span style=\"font-weight: 400;\"> bajo la direcci\u00f3n de Claudio Gonz\u00e1lez-Vega (Ph.D.). La investigaci\u00f3n ha intentado responder a la pregunta: \u00bfhasta qu\u00e9 punto y de qu\u00e9 maneras las instituciones de microfinanzas (IMF) pueden adoptar herramientas digitales, sin perder las relaciones personalizadas que han desarrollado con sus clientes? <\/span><\/p>\n<p><span style=\"font-weight: 400;\">El uso creciente de herramientas digitales ha tenido un fuerte impacto en todos los sectores de la econom\u00eda. El sector financiero tambi\u00e9n se ha visto involucrado en esta nueva era digital, y las microfinanzas no han sido una excepci\u00f3n. Conforme las IMF introducen herramientas digitales como nuevas formas de recolectar informaci\u00f3n y como nuevos canales de comunicaci\u00f3n, a fin de interactuar con sus clientes y entregar sus servicios, las relaciones de largo plazo, cara-a-cara, entre los clientes y la IMF, que han constituido la principal innovaci\u00f3n en microfinanzas, podr\u00edan verse afectadas. La pregunta central es si las nuevas tecnolog\u00edas y herramientas de informaci\u00f3n y de comunicaciones pueden servir como un sustituto de estas interacciones humanas, o si deber\u00edan ser adoptadas como un complemento. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">La tesina analiza la importancia de la confianza en microfinanzas y c\u00f3mo esta confianza ha contribuido a reducir las barreras a las transacciones financieras. La confianza ha ayudado a reducir asimetr\u00edas de la informaci\u00f3n y a crear incentivos compatibles, que le han permitido a las IMF tener \u00e9xito en la oferta de servicios financieros, especialmente el cr\u00e9dito, a sectores de la poblaci\u00f3n de bajos ingresos. \u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tambi\u00e9n considera la importancia de la informaci\u00f3n en las decisiones eficientes de cr\u00e9dito y prestaci\u00f3n de otros servicios. En las microfinanzas, la informaci\u00f3n ha sido recogida y la confianza se ha construido a trav\u00e9s del contacto humano. Este esfuerzo de investigaci\u00f3n contribuye a un an\u00e1lisis de c\u00f3mo las nuevas herramientas digitales podr\u00edan interferir en las relaciones personalizadas que las IMF han desarrollado con sus clientes y eval\u00faa si estas herramientas podr\u00edan ayudar o dificultar el desarrollo de la confianza.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Gracias a varias entrevistas a expertos en microfinanzas y a expertos que est\u00e1n trabajando de cerca con las tecnolog\u00edas de informaci\u00f3n y comunicaciones en el sector financiero, la tesina busca evaluar las oportunidades, desaf\u00edos y amenazas para las IMF y sus clientes en el proceso de digitalizaci\u00f3n. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Esta Tesina fue escrita para el M\u00e1ster Internacional en Microfinanzas para el Emprendimiento de la Universidad Aut\u00f3noma de Madrid, bajo la direcci\u00f3n de Claudio Gonz\u00e1lez-Vega (Ph.D.). La investigaci\u00f3n ha intentado responder a la pregunta: \u00bfhasta qu\u00e9 punto y de qu\u00e9 maneras las instituciones de microfinanzas (IMF) pueden adoptar herramientas digitales, sin perder las relaciones personalizadas [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":9494,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[],"class_list":["post-5616","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","numero-8m"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>When microfinance goes digital: opportunities, challenges and dangers for microfinance institutions and their clients<\/title>\n<meta name=\"description\" content=\"When microfinance goes digital: opportunities, challenges and dangers for microfinance institutions and their 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