FICOD analiza el impacto de las empresas fintech en el sector financiero

376
4876

CLAVES:

  • FICOD analiza la situación actual y los retos a los que se enfrenta el Fintech.
  • Las startups que desarrollan servicios fintech se dividen en dos tipos de compañías: las que buscan una disrupción en el sector y las que quieren trabajar junto a los bancos.
  • Estas compañías suponen una amenaza porque satisfacen las necesidades de los consumidores empleando un método más eficaz, ágil y económico.

El Foro Internacional de los Contenidos Digitales 2015, FICOD, ha acogido en su primer día un seminario sobre la situación actual y los retos a los que se enfrenta el Fintech, sector que ofrece servicios financieros adaptados a la innovación tecnológica. El encuentro ha contado con la participación de cuatro expertos en la materia: Philippe Gelis (cofundador de Kantox), Mateo Rizzi (general manager de SBT Venture Capital), Francisco Amián (cofundador y CEO de Deudae) y Eloi Noya (director general de Loanbook), los cuales han aportado sus conocimientos y sus perspectivas sobre el fintech.

Las startups que desarrollan servicios fintech (financial technology) para aprovecharse de las ineficiencias de los bancos se dividen en dos tipos de compañías: por un lado aquellas que tienen como objetivo crear una disrupción en el sector financiero y por otra parte las empresas que quieren trabajar junto a los bancos.

[section label=”Amenaza al sector bancario” anchor=”Amenaza al sector bancario”]

Amenaza al sector bancario

La llegada de estas empresas está poniendo en peligro el modelo de negocio del sector bancario, e incluso podría desembocar en la desaparición de los bancos. Estas emprendedoras compañías suponen una amenaza porque satisfacen las necesidades de los consumidores empleando un método más eficaz, ágil y económico en comparación a la gestión tradicional de las entidades financieras.

Ante esta situación, la banca necesita evolucionar y para ello está incorporando en sus filas a este tipo de startups. De esta manera, la alternativa que representa el Fintech debe entenderse como una herramienta de crecimiento internacional para los bancos, los cuales deben aceptar una remodelación de su negocio planteando nuevas estrategias para adaptarse a la revolución tecnológica.

[section label=”Irrupción de gigantes tecnológicos” anchor=”Irrupción de gigantes tecnológicos”]

Irrupción de gigantes tecnológicos

Otro problema que afecta al sector financiero tiene que ver con el Big Data, es decir, la cantidad de millones de datos que manejan las entidades financieras. Sin embargo, no están sabiendo interpretar este servicio ya que no son capaces de generar una nueva industria. Y en lugar de ello, están aprovechando este manejo de información para vender más crédito a los clientes.

Por esta razón entran en juego las grandes compañías tecnológicas como por ejemplo Google. Estos gigantes tecnológicos disponen de los canales de acceso a los bancos, por lo que cuentan con dos elementos clave: la información y la distribución. Pese a ello, no tienen intención de convertirse en bancos ya que deberían efectuar procesos regulatorios que no están dispuestos a llevar a cabo.

EL ECONOMISTA. FICOD analiza el impacto de las empresas fintech en el sector financiero. 1 de diciembre de 2015 [consultado 07-12-2015]. Disponible en:  http://www.eleconomista.es/tecnologia/noticias/7189353/12/15/FICOD-analiza-el-impacto-de-las-empresas-fintech-en-el-sector-financiero.html

Descargar este documento en PDF

376 Comentarios

  1. You really make it seem so easy with your presentation but I find this matter
    to be actually something which I think I would never understand.
    It seems too complicated and very broad for me. I am looking forward for your next post, I’ll try
    to get the hang of it!

  2. My spouse and I stumbled over here by a different page and thought I might as well
    check things out. I like what I see so now i am following you.
    Look forward to checking out your web page for a second time.

  3. I’m not sure where you are getting your information, but great topic.
    I needs to spend some time learning more or understanding more.

    Thanks for fantastic info I was looking for
    this information for my mission.

  4. What’s Happening i am new to this, I stumbled upon this I’ve found It positively useful and it has aided me out loads.
    I hope to contribute & assist different customers like its helped me.
    Good job.

  5. Amazing blog! Is your theme custom made or did you download it from somewhere?
    A design like yours with a few simple tweeks would really
    make my blog jump out. Please let me know where you got your theme.
    Kudos

  6. I blog often and I really appreciate your content. The article has really peaked my interest.
    I am going to book mark your site and keep checking for new details about once a week.
    I opted in for your Feed too.

  7. Attractive section of content. I just stumbled upon your
    weblog and in accession capital to assert that I acquire in fact enjoyed account your blog posts.
    Anyway I’ll be subscribing to your augment and even I achievement you access consistently
    rapidly.

  8. Hello there! Would you mind if I share your blog with my myspace group?
    There’s a lot of people that I think would really enjoy your content.
    Please let me know. Thanks

  9. Hi there! I simply would like to give you a
    huge thumbs up for the great information you have got here on this post.

    I’ll be coming back to your web site for more soon.

  10. Hello! I’m at work surfing around your blog from
    my new apple iphone! Just wanted to say I love reading your blog and look
    forward to all your posts! Carry on the excellent work!

  11. I just couldn’t go away your website prior to suggesting that I actually enjoyed the usual information a person supply for your visitors?
    Is gonna be back ceaselessly in order to check up on new posts

  12. I think what you composed was very logical. However,
    think on this, what if you added a little information? I mean,
    I don’t wish to tell you how to run your website, however suppose you added something to possibly grab folk’s
    attention? I mean FICOD analiza el impacto de las empresas fintech en el sector financiero | Thinknowa is
    kinda vanilla. You could glance at Yahoo’s front page and
    see how they create news titles to grab people to click.
    You might add a video or a related pic or two to
    get readers interested about everything’ve got to say.
    Just my opinion, it would make your blog a little bit more interesting.

  13. Fantastic goods from you, man. I’ve take into accout your stuff previous to and you’re
    just too fantastic. I really like what you have obtained here, really like what you are saying and the way during which
    you say it. You make it enjoyable and you continue to care for
    to keep it wise. I can not wait to learn much more
    from you. This is really a great web site.

  14. Definitely believe that which you said. Your favorite justification appeared to be on the internet the easiest thing to be aware of.
    I say to you, I definitely get annoyed while people consider worries that they plainly do not know about.

    You managed to hit the nail upon the top as well as
    defined out the whole thing without having side-effects ,
    people could take a signal. Will likely be back to get more.
    Thanks

  15. Heya are using WordPress for your blog platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you need
    any coding expertise to make your own blog? Any help would be really appreciated!

  16. Hey I know this is off topic but I was wondering if
    you knew of any widgets I could add to my blog that automatically tweet my newest
    twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe
    you would have some experience with something like this.
    Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

  17. Hi my loved one! I want to say that this article is awesome, great
    written and come with almost all significant infos. I would like to peer more posts like this
    .

  18. Usually I don’t learn post on blogs, however I wish to say that this write-up very forced me
    to check out and do it! Your writing style has been amazed me.
    Thanks, quite great post.

  19. you’re in reality a excellent webmaster. The site loading pace
    is incredible. It kind of feels that you’re doing any distinctive trick.
    In addition, The contents are masterpiece. you have done a excellent
    process on this matter!

  20. I’m impressed, I must say. Seldom do I come across a blog that’s both educative and engaging, and without a
    doubt, you’ve hit the nail on the head. The issue is an issue that too few men and women are speaking intelligently about.
    I am very happy I found this in my search for something relating to this.

  21. Hello, Neat post. There’s an issue with your website in web explorer, would check this?
    IE nonetheless is the market chief and a good component to other folks
    will leave out your wonderful writing because of
    this problem.

  22. After exploring a few of the blog posts on your web site,
    I truly like your technique of writing a blog.
    I book marked it to my bookmark website list and will
    be checking back soon. Take a look at my website too and
    tell me how you feel.

  23. Hi, I do think this is a great site. I stumbledupon it 😉 I will come back yet again since I bookmarked
    it. Money and freedom is the greatest way to change, may you be rich and continue
    to guide other people.

  24. Just want to say your article is as surprising.
    The clarity for your submit is just nice and i could assume you’re knowledgeable in this subject.
    Fine with your permission allow me to clutch your feed to stay updated with approaching post.
    Thank you 1,000,000 and please keep up the rewarding work.

  25. Wow that was odd. I just wrote an extremely long comment but after I clicked submit my comment didn’t appear.
    Grrrr… well I’m not writing all that over again. Anyway, just
    wanted to say excellent blog!

  26. Hey There. I found your blog using msn. This is an extremely well written article.

    I’ll be sure to bookmark it and come back to read more of your useful information. Thanks
    for the post. I will definitely return.

  27. It’s a pity you don’t have a donate button! I’d certainly donate
    to this excellent blog! I guess for now i’ll settle for book-marking and adding your RSS feed to my Google
    account. I look forward to fresh updates and will
    talk about this blog with my Facebook group. Talk soon!

  28. Thanks for one’s marvelous posting! I definitely enjoyed reading it, you might be
    a great author.I will be sure to bookmark your blog and definitely will come back from now on. I want to encourage you
    to definitely continue your great work, have a nice morning!

  29. I’m really impressed along with your writing abilities and also with
    the layout in your weblog. Is this a paid subject matter or did you customize
    it your self? Either way keep up the excellent high quality writing, it is uncommon to look a great weblog like this one nowadays..

  30. It’s perfect time to make some plans for the future and it is time to be happy.
    I have read this post and if I could I want to suggest you few interesting
    things or tips. Maybe you could write next articles referring
    to this article. I wish to read more things about it!

  31. Hi this is somewhat of off topic but I was wanting to know
    if blogs use WYSIWYG editors or if you have to manually code with HTML.
    I’m starting a blog soon but have no coding expertise
    so I wanted to get advice from someone with experience.
    Any help would be enormously appreciated!

  32. you are truly a good webmaster. The web site loading velocity is amazing.
    It kind of feels that you are doing any unique trick.
    Also, The contents are masterpiece. you have done a fantastic process on this
    topic!

  33. Great web site. Plenty of useful information here.

    I’m sending it to some pals ans additionally sharing
    in delicious. And of course, thank you in your sweat!

  34. Does your website have a contact page? I’m having a tough time locating it but, I’d like to send you an email.
    I’ve got some ideas for your blog you might be interested in hearing.
    Either way, great site and I look forward to seeing
    it grow over time.

  35. We absolutely love your blog and find the majority of your post’s to be just what
    I’m looking for. Do you offer guest writers to write content available for you?
    I wouldn’t mind producing a post or elaborating on many of the
    subjects you write about here. Again, awesome web site!

  36. Nice blog right here! Also your website quite a bit up fast!

    What host are you the usage of? Can I am getting your associate link for
    your host? I wish my website loaded up as fast as yours lol

  37. Hey there! I just wanted to ask if you ever have any trouble with
    hackers? My last blog (wordpress) was hacked and I ended up losing months of
    hard work due to no backup. Do you have any solutions to protect
    against hackers?

  38. Definitely consider that that you said. Your favourite justification seemed to be at
    the web the easiest factor to take into account
    of. I say to you, I certainly get irked even as other folks
    consider concerns that they just do not understand about.
    You managed to hit the nail upon the highest as neatly as defined out the entire thing without having side effect , other folks can take a signal.
    Will probably be back to get more. Thank you

  39. I am really impressed with your writing skills as
    well as with the layout on your weblog. Is this a paid theme or did
    you modify it yourself? Either way keep up the nice quality writing,
    it’s rare to see a great blog like this one nowadays.

  40. My partner and I stumbled over here different website and thought I might check things out. I like what I see so now i am following you. Look forward to checking out your web page repeatedly.|

  41. Simply want to say your article is as astounding. The clearness in your
    post is just cool and i can assume you’re an expert on this subject.
    Well with your permission allow me to grab your feed to keep up to
    date with forthcoming post. Thanks a million and
    please keep up the rewarding work.

  42. Set now do not show efficacy at all. Do not entertain measure of america’s best physicians ordinary, as ED is not a disease. Also, daily intake will choose you standard to it and later you commitment not be expert to achieve erection on own. Stand it sole when think pro online pharmacy. Never capture this hypnotic in anticyclone amount as overdose can lead to mean health problems. If infatuated in higher weight than required, go to your doctor immediately.

  43. Do you mind if I quote a few of your posts as long as I provide credit and sources back to your site? My blog site is in the very same area of interest as yours and my users would truly benefit from a lot of the information you provide here. Please let me know if this alright with you. Many thanks!

  44. I’ve been browsing on-line more than 3 hours these days, but I by no means discovered any attention-grabbing article like yours. It’s pretty worth enough for me. In my opinion, if all webmasters and bloggers made just right content material as you did, the web might be a lot more helpful than ever before. “Where facts are few, experts are many.” by Donald R. Gannon. online pharmacy

  45. Thanks for the helpful article. It is also my opinion that mesothelioma has an incredibly long latency period of time, which means that indication of the disease might not exactly emerge until finally 30 to 50 years after the original exposure to asbestos fiber. Pleural mesothelioma, which can be the most common style and impacts the area round the lungs, could cause shortness of breath, breasts pains, plus a persistent coughing, which may produce coughing up blood. viagra without doctor prescription

  46. Hey would you mind sharing which blog platform you’re using? I’m planning to start my own blog in the near future but I’m having a difficult time deciding between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design and style seems different then most blogs and I’m looking for something completely unique. P.S Sorry for being off-topic but I had to ask! buy kratom

  47. I am really enjoying the theme/design of your blog.
    Do you ever run into any web browser compatibility problems?
    A handful of my blog visitors have complained about
    my blog not working correctly in Explorer but looks great in Firefox.

    Do you have any recommendations to help fix this issue?

  48. Having read this I thought it was extremely informative.

    I appreciate you taking the time and energy to
    put this informative article together. I once again find myself personally spending a
    lot of time both reading and commenting. But so what,
    it was still worthwhile!

  49. I have to thank you for the efforts you have put in penning this website.

    I am hoping to view the same high-grade content by you in the future as well.
    In truth, your creative writing abilities has inspired me to get my own,
    personal website now 😉

  50. What i don’t understood is in truth how you’re now not really much more well-liked than you might be now. You are so intelligent. You already know therefore significantly on the subject of this subject, produced me personally consider it from numerous various angles. Its like men and women don’t seem to be involved except it’s one thing to accomplish with Woman gaga! Your individual stuffs outstanding. All the time deal with it up! the best cbd oil

  51. In the clinical trial the staff of researchers tried to use the drug to improve the blood flow to the placenta of the pregnant ladies. And most particularly, to count women explicitly. When she labored at Google, it was not until Ms Sandberg was pregnant that she realised quite how giant the corporate automobile park was, and the way exhausting it could be cross it to the workplace. No extra “soccer”, and then “ladies’s soccer”.

    If you adored this article and you also would like to receive more info about teva generic viagra online via please visit our own webpage.

  52. Hi! I know this is kinda off topic but I was wondering which blog platform
    are you using for this website? I’m getting tired of WordPress because I’ve
    had problems with hackers and I’m looking at alternatives for another platform.
    I would be great if you could point me in the direction of
    a good platform.

    Feel free to surf to my web site: kinoseries.com

  53. Знаете ли вы?
    Бывший министр финансов удостоился высшей государственной награды за распространение знаний о психических расстройствах.
    Англичане купили заказанную португальцами рукопись голландца и бельгийца с изображениями монархов десяти королевств.
    Старейшую в России организацию реставраторов велено было выселить и уплотнить.
    Первый футбольный трофей после начала пандемии коронавируса был разыгран в Таджикистане.
    Издательство «Шиповник» было задумано для публикации сатиры, однако вместо неё печатало Лагерлёф, Бунина и Джерома Джерома.

    arbeca

  54. I’m really impressed with your writing skills and also with the layout on your weblog. Is this a paid theme or did you modify it yourself? Either way keep up the excellent quality writing, it is rare to see a nice blog like this one nowadays.

Dejar respuesta

Please enter your comment!
Please enter your name here