Más de la mitad de los clientes españoles solicitan servicios Fintech

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CLAVES:  

  • La industria fintech está madurando y entrando en un período de cambio rápido, expandiéndose a medida que sus clientes crecen y los inversores continúan apoyándola.
  • Las empresas de fintech están prestando servicios avanzados de asesoramiento y apoyo, al tiempo que se están volviendo más diversificadas, con una amplia variedad de modelos.
  • Las valoraciones de las firmas de fintech se están normalizando a medida que los inversores se vuelven más cautelosos y comienzan a favorecer a las empresas con antecedentes comprobados.
  • El 53,3% de los clientes españoles solicitan servicios fintech, una cifra que supera la media que ostenta el resto de países del mundo.

El sector del fintech está siendo moldeado por el cambio de las condiciones del mercado, nuevas regulaciones y cambios en las demandas y comportamientos de los consumidores. Es lo que ha tratado de mostrar McKinsey&Company en su informe “FinTechnicolor: The new picture in Finance”.

[section label=”Las fintech están madurando y entrando en un período de cambios” anchor=”Las fintech están madurando y entrando en un período de cambios”]

Las fintech están madurando y entrando en un período de cambios

Durante la última década, las empresas fintech se han movido rápidamente, obligando a los titulares a repensar sus modelos empresariales básicos y a adoptar innovaciones digitales. Pero ahora, la industria fintech está madurando y entrando en un período de cambio rápido. Las compañías que se preguntan cómo encajarán en esta nueva era deben primero entender las fuerzas que están empujando los cambios.

Screenshot_7
Fuente: McKinsey

Mientras que la industria continuará expandiéndose a medida que su base de datos de clientes crece y el apetito de los inversores permanezca inestable, los cambios son inminentes. De hecho, el mismo concepto de lo que comprende fintech cambiará. A medida que evolucione la industria, desempeñará un papel que va más allá de los productos y servicios financieros, las compañías individuales competirán para convertirse en líderes indiscutibles por tamaño y amplitud, y se desarrollarán ecosistemas que tienen un estrecho control sobre la lealtad del cliente.

Esta nueva era fintech está siendo moldeada por cambios en las condiciones del mercado, nuevas regulaciones y cambios en las demandas y comportamientos de los consumidores. Como resultado, la industria, en general, se está volviendo más cautelosa, a medida que se hace más diversa a través de tecnologías y productos.

[section label=”Moverse más allá de los pagos, préstamos y transferencias P2P” anchor=”Moverse más allá de los pagos, préstamos y transferencias P2P”]

Moverse más allá de los pagos, préstamos y transferencias P2P

Las ofertas fintech llegan a más de 30 áreas a lo largo de toda la cadena de valor bancario de acuerdo con el informe. Las ofertas ahora incluyen todas las áreas de servicios financieros, incluyendo las siguientes:

  • Retail (gestión del dinero, préstamos P2P, préstamos digitales)
  • Gestión de riqueza (robo-asesoramiento, crowdfunding, inversión social)
  • Seguros (IoT y dispositivos conectados, telemática, prevención digital)
  • Mercado de capitales (gestión de garantías, análisis del comercio)
  • Pequeñas y medianas empresas (gestión digital de efectivo, préstamos corporativos P2P e inversión)
  • Pagos (pagos móviles, dispositivos POS móviles, procesamiento de pagos)
Screenshot_10
Fuente: McKinsey

La expansión anterior no incluye ni siquiera la extensa expansión que se está realizando tanto en las operaciones como en la infraestructura, donde se están produciendo algunas de las innovaciones más dramáticas. Además de los avances en el blockchain y APIs abiertas, mucho se está haciendo con analítica avanzada, inteligencia artificial y ciberseguridad.

Screenshot_6
Fuente: McKinsey

Se observa que las empresas de fintech están incluso prestando servicios avanzados de asesoramiento y apoyo. Un ejemplo es Social Finance (SoFi), que ha ido más allá de ofrecer sólo productos de préstamo a estudiantes y jóvenes profesionales, expandiéndose para brindar entrenamiento profesional, servicios de atención al cliente de alto contacto y eventos de networking.

Además, la industria fintech también se está volviendo más diversificada, con una amplia variedad de modelos vistos a través de geografías, segmentos y tecnologías.  Esto incluye empresas de capital de riesgo, que se dirigen a una necesidad específica de los consumidores (Stripe), empresas tecnológicas que se expanden hacia los servicios financieros (Alibaba/Alipay) y establecen las empresas de fintech que expanden las ofertas (PayPal).

También hay docenas de ejemplos de empresas de servicios financieros existentes que crean su propia unidad de fintech. Esto incluye las divisiones para proporcionar nuevos servicios, así como completamente nuevas entidades bancarias de marca.

Sin señales de que el crecimiento de la industria de la fintech disminuya, es probable que su alcance se amplíe rápidamente para abarcar aún más nuevas tecnologías y ofertas, borrando los límites que ahora delinean los servicios financieros“, dijeron los autores del informe.

[section label=”El mercado fintech está actualmente abarrotado” anchor=”El mercado fintech está actualmente abarrotado”]

El mercado fintech está actualmente abarrotado

Los beneficios de la colaboración entre los proveedores bancarios y fintech ha sido ampliamente explorado. Mientras que las empresas de fintech no tienen la carga de las infraestructuras y tienen los beneficios de la agilidad de la innovación y el enfoque, por lo general carecen de una comprensión de las regulaciones y tienen dificultades para alcanzar según qué niveles. Como alternativa, las organizaciones bancarias tradicionales tienen los beneficios de la confianza, una base de clientes establecida, reservas masivas de datos, pero generalmente carecen de experiencia digital.

Ejemplos de estas asociaciones son generalizados. Por ejemplo, Moven, con sede en Nueva York, y Canada’s TD Bank, se han asociado para integrar las herramientas de gestión financiera móvil de Moven con la plataforma de banca por Internet de TD en Canadá. De forma similar, BBVA ha financiado y se ha asociado con una serie de proveedores de fintech para ampliar las ofertas de servicios.

Por otro lado, hay una cantidad significativa de solapamiento en el espacio de fintech, con múltiples jugadores luchando por un punto de apoyo y/o expansión en el mercado de pagos, préstamos, transferencia de fondos y experiencia del consumidor.

El mercado está abarrotado y la necesidad de reunir la inversión de capital riesgo probablemente conducirán a un período de consolidación, con jugadores más grandes recurriendo a fusiones y adquisiciones para satisfacer sus objetivos de expansión, según la investigación de McKinsey.

[section label=”Las regulaciones han tenido que evolucionar rápidamente para mantener el ritmo” anchor=”Las regulaciones han tenido que evolucionar rápidamente para mantener el ritmo”]

Las regulaciones han tenido que evolucionar rápidamente para mantener el ritmo

Las valoraciones de las firmas de fintech se están normalizando a medida que los inversores se vuelven más cautelosos y comienzan a favorecer a las empresas con antecedentes comprobados, afirma el informe. McKinsey examinó 44 firmas de fintech con valuaciones de más de mil millones de dólares, y encontró que el crecimiento de la valoración se ha desacelerado considerablemente.

Entre 2014 y 2015, las valoraciones de estas empresas crecieron en promedio un 77%, y luego se desaceleraron a 9% entre 2015 y 2016, señala el informe. En Estados Unidos, donde más de la mitad de las empresas del estudio estaban basadas, el informe encontró que la caída en las valoraciones era aún más dramática. Si bien las valoraciones de las grandes firmas estadounidenses de fintech crecieron en promedio un 54% entre 2014 y 2015, en realidad bajaron un 7% entre 2015 y 2016.

También ha habido un menor número de nuevas empresas en comparación con los activos años de 2012-14. P2P y la actividad de préstamos del mercado también ha sufrido algo de una crisis de confianza.

Además, con el crecimiento con el crecimiento de la industria de fintech, y la relación con las organizaciones bancarias cambiando, las regulaciones han tenido que evolucionar rápidamente para mantener el ritmo.

En muchos mercados, los reguladores están desempeñando un papel más proactivo en la supervisión de la industria, a menudo alentando su desarrollo, por ejemplo, siguiendo un sandbox o prueba y aprender el enfoque que permite a las empresas fintech experimentar sin afectar a todo el sistema financiero” Según el informe.

Todavía no está claro cómo los reguladores equilibrarán la necesidad de limitar los riesgos con el deseo de fomentar la innovación. Está claro, sin embargo, que el papel de las regulaciones gubernamentales aumentará en el futuro, impactando las alianzas, las inversiones y la innovación en el sector bancario regional y mundial.

[section label=”El nuevo ecosistema se desarrollará según la necesidad del cliente” anchor=”El nuevo ecosistema se desarrollará según la necesidad del cliente”]

El nuevo ecosistema se desarrollará según la necesidad del cliente

Las fintech y las ofertas bancarias tradicionales están tratando de interconectarse, por lo que nuevos ecosistemas se desarrollarán abarcando varias industrias.  De hecho, las empresas fintech podrían formar parte de una red digital mucho más amplia en el futuro.

Estos ecosistemas pueden extenderse mucho más allá de los servicios financieros tradicionales como lo conocemos hoy en día. Según McKinsey, los ecosistemas probablemente se desarrollarán para seguir las necesidades de los clientes, en lugar de ajustarse a las líneas tradicionales de la industria. Los líderes en estos ecosistemas necesitarán fuertes capacidades analíticas de datos para desarrollar ideas útiles a partir del torrente de información disponible de los clientes, y es probable que utilicen las empresas de fintech y otros para desarrollar el sistema y extraer el máximo valor.

La capacidad subyacente en todos estos ecosistemas será la capacidad de capturar y analizar datos de los consumidores. La analítica avanzada y el aprendizaje automático permitirán una mayor personalización, así como capacidades predictivas alrededor de las necesidades.

Además de la analítica de datos, estos líderes también necesitarán experiencia en ciberseguridad para proteger de manera creíble las enormes cantidades de datos potencialmente confidenciales de los clientes disponibles en el sistema, según el informe.

El futuro puede ser brillante tanto para las firmas de fintech como para las firmas financieras, que abarcan el potencial de una definición ampliamente expandida de la banca. Aprovechando la nueva tecnología y la analítica avanzada, el potencial de un banco o empresa de tecnología financiera para estar en el epicentro del ecosistema digital de un consumidor no es sólo posible, es probable.

Comprender y aprovechar las tendencias descritas anteriormente es el primer paso para sobrevivir en un mercado digital que combina los servicios financieros con la vida cotidiana del consumidor, haciendo que la banca como la conocemos hoy sea una función de apoyo al comercio digital.

[section label=”El 53,3% de los clientes españoles solicitan servicios fintech” anchor=”El 53,3% de los clientes españoles solicitan servicios fintech”]

El 53,3% de los clientes españoles solicitan servicios fintech

El sector FinTech español sigue creciendo de manera exponencial. España es el primer país de Europa y el quinto del mundo en cuanto a la utilización de este tipo de servicios, según un reciente estudio de Capgemini sobre las fintech e insurtech. Señala que el 53,3% de los clientes españoles solicitan servicios fintech, una cifra que supera la media que ostenta el resto de países del mundo, que se sitúa en un 50%, siendo el primero China (84,4%) seguido de India (76,9%).

Screenshot_9
Fuente: Capgemini

Además, Foro ECOFIN trabaja intensamente desde hace tiempo en la generación de ideas y claves que permitan afrontar con éxito las oportunidades que ofrece la nueva economía en el sector financiero y, especialmente, en el ámbito FinTech e InsurTech.

Con el objetivo de apoyar el desarrollo de las startups y empresas vinculadas al sector de finanzas y seguros, Foro ECOFIN ha llegado a un acuerdo con la Asociación Española de fintech e insurtech (AEFI).

A través de este acuerdo, AEFI se integra como miembro del Foro ECOFIN y participará en la organización de actividades que organice el Foro como el Jurado de los Premios ECOFIN, el comité organizador del Congreso, el grupo de trabajo de FinTech o el diseño de InnoDay.

Foro ECOFIN también se integra como socio institucional de la Asociación Española de FinTech e InsurTech y participará en la organización de aquellas actividades de mutuo interés que ponga en marcha la asociación. Una vez al mes, representantes de ambas entidades se reunirán para analizar las actividades programas y que puedan ser de mutuo interés a fin de generar sinergias.

MCKINSEY. Bracing for seven critical changes as fintech matures. Noviembre 2016 [consultado 21-04-2017]. Disponible en: http://www.mckinsey.com/industries/financial-services/our-insights/bracing-for-seven-critical-changes-as-fintech-matures

THE FINANCIAL BRAND. Fintech Firms Attacking All Facets of Banking. 28 de noviembre de 2016 [consultado 21-04-2017]. Disponible en: https://thefinancialbrand.com/62418/fintech-banking-future-collaboration-trends/

CAPGEMINI. World Fintech Report 2017. 2017. [consultado 21-04-2017]. Disponible en: https://www.capgemini.com/sites/default/files/en/2016/10/world_fintech_report_2017.pdf

ECOFIN. ECOFIN y AEFI se unen para impulsar el ecosistema fintech. 17 de abril de 2017. [consultado 21-04-2017]. Disponible en: http://ecofin.es/nts-nuevas-tecnologias/ecofin-y-aefi-se-unen-para-impulsar-el-ecosistema-fintech/

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