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



  • 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:

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