¿Qué puede significar el auge de Internet de las Cosas para el mundo de los pagos?

3418
62161

CLAVES:

  • El mercado mundial de Internet de las Cosas crecerá desde los 655.800 millones de dólares en 2014 hasta los 1,7 billones de dólares en 2020, con un crecimiento compuesto anual del 16,9%.
  • El IoT abre la puerta a los pagos 2.0, que deberían caracterizarse porque el usuario no tenga que pensar en su día a día en los procesos de pago ni en el tipo de tecnología que los hace posible. En el Internet de las Cosas, los pagos deberán ser invisibles y transparentes.
  • Pero si llega un momento en que los pagos sean un elemento fundamental del Internet de las Cosas, tendremos un problema si fabricantes, desarrolladores y usuarios no ponen un mayor énfasis en la seguridad que hasta ahora.

Internet de las Cosas continúa ganando impulso, según los suministradores y las empresas empiezan a aprovechar las oportunidades que representa este mercado. Según un nuevo informe de IDC, el mercado mundial de Internet de las Cosas crecerá desde los 655.800 millones de dólares en 2014 hasta los 1,7 billones de dólares (billones españoles, o sea millones de millones) en 2020, con un crecimiento compuesto anual del 16,9%.

Los dispositivos, la conectividad y los servicios de TI compondrán la mayor parte de este mercado en 2020. Juntos se estima que representarán más de las dos terceras partes del mercado de Internet de las Cosas en 2020, con los dispositivos (módulos y sensores) representando el 31,8% del total.

Previsiones como estas son las que se sacan de los tres informes presentados recientemente por IDC, y que definen el mercado de Internet de las Cosas e identifican las oportunidades.

IDC. IDC's Worldwide Internet of Things Taxonomy, 2015. May 2015. [Consulted 10-16-2015]. Available at: https://www.idc.com/getdoc.jsp?containerId=256186
IDC. Worldwide Internet of Things Forecast, 2015–2020. May 2015. [Consulted 10-16-2015]. Available at: https://www.idc.com/getdoc.jsp?containerId=256397
IDC. New IDC Forecast Asserts Worldwide Internet of Things Market to Grow 19% in 2015. 19th May 2015. [Consulted 10-16-2015]. Available at: https://www.idc.com/getdoc.jsp?containerId=prUS25633215

El primero incluye una visión horizontal de la tecnología de hardware, software, servicios y conectividad, así como una visión vertical de la industria y casos de utilización que IDC prevé en el mercado de Internet de las Cosas. El segundo incluye la base instalada por región, así como proyecciones de facturación tanto desde una perspectiva regional como tecnológica. El tercero se enfoca en 25 casos de rápido crecimiento de Internet de las Cosas en 11 industrias verticales, incluyendo consumo, distribución, sanidad, gobierno, fabricación, transporte y otras industrias, a la vez que valora las oportunidades en la pila tecnológica.

Mientras que los dispositivos wearable son la faceta de consumo del Internet de las Cosas, y donde parece que está el mayor reconocimiento actual, las oportunidades reales están en la empresa y en el sector público”, afirma Vernon Turner, vicepresidente senior de investigación.

IDC define el Internet de las Cosas como una red de redes de cosas o elementos identificables de forma única que comunican sin interacción humana usando la conectividad IP. IDC ha identificado el ecosistema de Internet de las Cosas por contener una mezcla compleja de tecnologías que incluye, pero no se limita, a módulos y dispositivos, conectividad, plataformas construidas exprofeso, almacenamiento, servidores, seguridad, software analítico, servicios de TI y seguridad. Es importante destacar que la conectividad autónoma es un atributo clave dentro de la definición de IDC, y en este punto en las previsiones de mercado no se cuentan los teléfonos inteligentes, tabletas o PCs dentro de las previsiones de Internet de las Cosas.

Documento relacionado:

El papel de los pagos en el Internet de las Cosas

La llegada masiva de esta clase de dispositivos a nuestro día a día podría ser sólo el primer paso hacia el desarrollo de casas conectadas, con una amplia gama de dispositivos coordinados y equipados con sensores, que les permitan detectar nuestra actividad diaria y prever nuestras necesidades en base a esa información. Y ahí es dónde entran, obviamente, los pagos 2.0. Con la creciente implantación del Internet de las Cosas, urge poner sobre la mesa una serie de cuestiones:

La oportunidad de nuevos modelos de negocio

Se abre ahora la posibilidad de ofrecer nuevas ofertas y servicios, especialmente en torno a los datos almacenados como resultado de la monitorización de nuestra actividad cotidiana. Podremos, por ejemplo, vincular beneficios o penalizaciones económicas al seguimiento de la actividad de los usuarios (por ejemplo: a través básculas inteligentes que permitan a los proveedores de seguros médicos premiar a sus clientes por cumplir con un objetivo mensual de pérdida de peso).

La reflexión sobre los cambios en la experiencia de usuario

Obviamente, nuestra experiencia de usuario no será la misma si nuestro frigorífico depende de un dispositivo externo (como nuestro smartphone) para realizar los pagos que si éste aloja los datos de nuestra tarjeta de crédito o de nuestra cuenta de Paypal, permitiendo así pagos automáticos. Según explicaba Mickey Ristroph, CEO de Mutual Mobile, un grupo de diseñadores e ingenieros que ayudan a las compañías en el desarrollo de dispositivos, el truco está en que el usuario no tenga que pensar en su día a día en los procesos de pago ni en el tipo de tecnología que los hace posible. En el Internet de las Cosas, los pagos deberán ser invisibles y transparentes.

La necesidad de nuevos sistemas de seguridad para la información financiera

Uno de los grandes problemas que tendrán que afrontar los pagos en una Internet de las Cosas es que no usamos esas ‘cosas’ de la misma manera en que usamos el resto de dispositivos que hasta ahora se conectaban a Internet (PC, tableta, smartphone, etc.): se compran, se instalan y se ponen en marcha, pudiendo funcionar indefinidamente sin requerir nuestra atención, dificultándonos de este modo la posibilidad de percibir un funcionamiento extraño.

Sin embargo, no son pocos los estudios que han detectado amplios porcentajes de electrodomésticos inteligentes en funcionamiento y conectados a Internet sin que sus usuarios se hubieran molestado en cambiar su configuración por defecto (sin contraseña o con una contraseña insegura). En algunos casos, esto se descubría en el marco de investigaciones sobre avalanchas de spam procedentes de dichos dispositivos.

Si llega un momento en que los pagos sean un elemento fundamental del Internet de las Cosas, tendremos un problema si fabricantes, desarrolladores y usuarios no ponen un mayor énfasis en la seguridad que hasta ahora. Y el problema se complica cuando debemos tener en cuenta aspectos como los dispositivos usados por múltiples usuarios, que en muchos casos no compartirán núcleo familiar (caso de los vehículos).

Por eso, en ese contexto de grave riesgo para nuestros datos financieros, los bancos podrían tener un papel relevantes en la protección de los mismos, gracias a su posición como entidades de confianza que ya cuentan con una infraestructura tecnológica propia.

Fuente: Centro de Innovación BBVA
Fuente: Centro de Innovación BBVA

3418 Comentarios

  1. It’s a pity you don’t have a donate button! I’d most certainly donate to this outstanding blog!
    I suppose for now i’ll settle for bookmarking and adding your
    RSS feed to my Google account. I look forward to fresh updates and will share this website
    with my Facebook group. Chat soon!

  2. Hey would you mind sharing which blog platform you’re
    working with? I’m going to start my own blog in the near future but I’m having a difficult time making a decision between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your layout seems different
    then most blogs and I’m looking for something completely unique.

    P.S My apologies for being off-topic but I had to ask!

  3. Fantastic beat ! I would like to apprentice while you amend your site, how can i subscribe for a blog site?
    The account aided me a acceptable deal. I had been a little
    bit acquainted of this your broadcast provided bright
    clear idea

  4. You could certainly see your enthusiasm in the
    work you write. The sector hopes for even more passionate writers such
    as you who aren’t afraid to mention how they believe. All the time go after your
    heart.

  5. My programmer is trying to convince me to move to .net from PHP.
    I have always disliked the idea because of the costs.

    But he’s tryiong none the less. I’ve been using
    Movable-type on various websites for about a year and am worried about switching to another platform.
    I have heard good things about blogengine.net. Is there a
    way I can transfer all my wordpress content into it? Any kind of help would
    be greatly appreciated!

  6. Hi there! Someone in my Myspace group shared this website
    with us so I came to look it over. I’m definitely enjoying the information. I’m bookmarking and will be tweeting this to my followers!
    Wonderful blog and brilliant design.

  7. Hello just wanted to give yοu a quick heads up.
    Thee ԝords іn your cokntent sеem tօ be
    running off the screen іn Safari. I’m not sure iff tһis іѕ a
    formatting issue oг somethіng to doo with browser ompatibility ƅut I figured I’d post too let you know.
    The design and style look geeat thоugh! Hope yⲟu gget the ρroblem solved ѕoon. Cheers

  8. Having read this I thought it was very informative. I appreciate you finding
    the time and energy to put this information together.
    I once again find myself personally spending way too much time both reading and commenting.
    But so what, it was still worthwhile!

  9. Wonderful items from you, man. I have keep in mind your stuff
    prior to and you are just extremely great. I actually like what you have
    got right here, really like what you are saying and the way in which by which you are saying it.

    You are making it enjoyable and you continue to take care of to stay it wise.
    I can’t wait to learn much more from you. This is really a wonderful web
    site.

  10. I all the time used to study piece of writing in news papers but now as I am a
    user of internet thus from now I am using net for posts, thanks to
    web.

  11. Greetings, I do think your site could be having internet browser compatibility issues.
    Whenever I look at your website in Safari, it looks fine however,
    when opening in IE, it’s got some overlapping issues.
    I merely wanted to provide you with a quick heads up!
    Besides that, excellent site!

  12. I was suggested this website by my cousin. I’m not
    sure whether this post is written by him as no one else know such detailed about my trouble.
    You are amazing! Thanks!

  13. Hello there, There’s no doubt that your website may be having
    web browser compatibility problems. Whenever I look at your web site in Safari, it looks fine however, if opening in IE, it has some overlapping issues.
    I merely wanted to provide you with a quick heads
    up! Apart from that, excellent site!

  14. Hey! Quick question that’s completely off topic. Do you know how to make your site mobile friendly?
    My web site looks weird when browsing from my iphone4.
    I’m trying to find a template or plugin that might be able to correct this issue.
    If you have any suggestions, please share. Many thanks!

  15. I loved as much as you will receive carried out right here.
    The sketch is attractive, your authored subject matter
    stylish. nonetheless, you command get bought an nervousness over that you
    wish be delivering the following. unwell unquestionably come further formerly again as exactly
    the same nearly very often inside case you shield this hike.

  16. It’s appropriate time to make some plans for the future and it is time to be happy.
    I have read this put up and if I may just I want to counsel you few
    interesting things or tips. Perhaps you can write subsequent articles regarding this article.
    I want to learn even more things approximately it!

  17. Yesterday, while I was at work, my cousin stole my iphone and tested to
    see if it can survive a forty foot drop,
    just so she can be a youtube sensation. My iPad is now destroyed and she has
    83 views. I know this is totally off topic but I had to share
    it with someone!

  18. I’m not sure why but this web site is loading extremely slow for me.
    Is anyone else having this issue or is it a issue
    on my end? I’ll check back later and see if the problem
    still exists.

  19. We are a group of volunteers and starting a new scheme in our community.

    Your web site offered us with valuable info to work
    on. You have done an impressive job and our whole community will be thankful to you.

  20. Hmm it seems like your blog ate my first comment (it was super long) so I
    guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog.
    I too am an aspiring blog writer but I’m still new to everything.

    Do you have any helpful hints for inexperienced blog writers?
    I’d certainly appreciate it.

  21. After going over a number of the blog articles on your blog, I
    truly appreciate your technique of writing a blog. I saved as a favorite it to
    my bookmark site list and will be checking back in the near future.
    Please check out my web site too and tell me how you feel.

  22. Oh my goodness! Impressive article dude! Many thanks, However
    I am having issues with your RSS. I don’t understand why I cannot join it.
    Is there anyone else having similar RSS problems? Anybody
    who knows the solution will you kindly respond?
    Thanx!!

  23. Thanks for some other informative blog. The place else may I
    get that type of information written in such an ideal way?

    I have a challenge that I’m just now working on, and I
    have been on the glance out for such info.

  24. Do you have a spam problem on this blog; I also am a blogger, and I was curious
    about your situation; we have developed some nice methods
    and we are looking to swap strategies with others, please shoot me an e-mail if interested.

  25. Hi there, I found your web site by the use of Google while searching for a similar matter, your site got here up, it seems
    good. I have bookmarked it in my google bookmarks.
    Hello there, simply was alert to your blog through Google, and located that it’s truly informative.
    I’m going to be careful for brussels. I will appreciate if you
    happen to proceed this in future. Numerous other folks
    shall be benefited from your writing. Cheers!

  26. Nice weblog here! Additionally your web site rather a lot up fast!

    What host are you the usage of? Can I am getting your
    affiliate hyperlink for your host? I want my website loaded up as fast as yours lol

  27. Hi there! Quick question that’s completely off topic.
    Do you know how to make your site mobile friendly?
    My site looks weird when viewing from my iphone4.
    I’m trying to find a template or plugin that might be able
    to correct this issue. If you have any suggestions, please share.
    Many thanks!

  28. Hi there, I found your web site by the use of Google
    at the same time as looking for a related topic, your site came up, it seems to be great.
    I’ve bookmarked it in my google bookmarks.
    Hello there, simply became alert to your weblog via Google, and
    located that it is really informative. I am gonna be careful
    for brussels. I will be grateful in case you continue this in future.
    Numerous people might be benefited out of your writing.
    Cheers!

  29. Woah! I’m really enjoying the template/theme of this site.
    It’s simple, yet effective. A lot of times it’s
    difficult to get that “perfect balance” between superb usability and visual appeal.
    I must say you have done a amazing job with this. In addition,
    the blog loads extremely fast for me on Internet explorer.
    Excellent Blog!

  30. I do not know whether it’s just me or if everyone else experiencing
    problems with your blog. It appears like some of the written text in your posts are running off the screen. Can someone else please comment
    and let me know if this is happening to them as well?
    This could be a problem with my web browser because I’ve had
    this happen before. Thanks

  31. Hey just wanted to give you a quick heads up.

    The words in your post seem to be running off the screen in Chrome.
    I’m not sure if this is a format issue or something to do with
    internet browser compatibility but I figured I’d post to
    let you know. The style and design look great though!
    Hope you get the problem fixed soon. Kudos

  32. My brother recommended I might like this website. He was
    once totally right. This submit truly made my day. You can not imagine just how much
    time I had spent for this information! Thanks!

  33. Hello there, just became aware of your blog through Google,
    and found that it is really informative. I am gonna watch out for
    brussels. I’ll appreciate if you continue this in future.
    Numerous people will be benefited from your writing. Cheers!

  34. I do accept as true with all of the ideas you’ve presented to your post.
    They are really convincing and can certainly work. Still, the posts are too quick for beginners.
    Could you please extend them a bit from next time? Thank you for the post.

  35. When I originally commented I clicked the “Notify me when new comments are added” checkbox and
    now each time a comment is added I get three emails with
    the same comment. Is there any way you can remove people
    from that service? Cheers!

  36. Hello, i read your blog occasionally and i own a similar one and i was just curious if you get a lot of spam feedback?
    If so how do you stop it, any plugin or anything you can advise?
    I get so much lately it’s driving me mad so any assistance is very much
    appreciated.

  37. I blog quite often and I seriously thank you for your content.
    This great article has really peaked my interest.
    I am going to bookmark your website and keep checking for new information about once per
    week. I subscribed to your Feed too.

  38. Hello there, I found your web site via Google whilst searching for
    a comparable matter, your website came up, it
    appears good. I have bookmarked it in my google bookmarks.

    Hi there, just turned into aware of your weblog
    through Google, and located that it is really informative.
    I’m going to watch out for brussels. I’ll be grateful
    in the event you continue this in future. Lots of other folks might be
    benefited from your writing. Cheers!

  39. My brother recommended I might like this blog.

    He was entirely right. This post truly made my day.
    You cann’t imagine just how much time I had spent for this information! Thanks!

  40. lDQex2 It as really a cool and useful piece of information. I am glad that you shared this helpful info with us. Please keep us informed like this. Thanks for sharing.

  41. Can I simply say what a comfort to uncover somebody who
    actually knows what they’re talking about over the internet.
    You actually realize how to bring a problem to light and make
    it important. More and more people must look at this
    and understand this side of the story. It’s surprising you’re
    not more popular because you certainly have
    the gift.

  42. Hey just wanted to give you a quick heads up. The text in your article seem to be running off the screen in Chrome.
    I’m not sure if this is a formatting issue or something to do with internet browser compatibility but I figured I’d post to let you know.

    The design look great though! Hope you get the problem
    fixed soon. Many thanks

  43. Terrific post however , I was wanting to know if you could write
    a litte more on this subject? I’d be very grateful if you could elaborate a little bit more.

    Kudos!

  44. Spot on with this write-up, I absolutely think this web site needs far more attention. I all probably be returning to read through more, thanks for the information!

  45. Hi! I know this is somewhat off topic but I was wondering if you knew
    where I could locate a captcha plugin for my comment form?
    I’m using the same blog platform as yours and I’m having difficulty finding one?
    Thanks a lot!

  46. What’s Going down i’m new to this, I stumbled upon this I have discovered It absolutely
    helpful and it has aided me out loads. I’m hoping to give a
    contribution & aid different users like its helped
    me. Great job.

  47. Incredible mastewq! This blog looks just like my old one! It as on a entirely different subject but it has pretty much the same page layout and design. Outstanding choice of colors!

  48. you are really a good webmaster. The website loading speed is amazing. It seems that you are doing any unique trick. Also, The contents are masterpiece. you have done a excellent job on this topic!

  49. Very interesting information!Perfect just what I was searching for! Fear not that thy life shall come to an end, but rather fear that it shall never have a beginning. by John Henry Cardinal Newman.

  50. Wow, awesome blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your website is fantastic, as well as the content!. Thanks For Your article about sex.

  51. hey there and thank you for your info – I’ve definitely picked up something new from right here.
    I did however expertise a few technical points using this web site, as I experienced to reload
    the web site a lot of times previous to I could
    get it to load correctly. I had been wondering if your web hosting is OK?
    Not that I am complaining, but sluggish loading instances
    times will very frequently affect your placement in google and could damage your high quality score if ads
    and marketing with Adwords. Anyway I am adding this RSS to my email and could look out for a lot more of your
    respective interesting content. Make sure you update this
    again soon.

  52. Sweet blog! I found it while searching on Yahoo News.
    Do you have any tips on how to get listed in Yahoo News?
    I’ve been trying for a while but I never seem to get there!
    Many thanks

  53. Amazing blog! Do you have any suggestions for aspiring writers?

    I’m hoping to start my own website soon but I’m a
    little lost on everything. Would you recommend starting
    with a free platform like WordPress or go for a paid option?
    There are so many options out there that I’m
    totally overwhelmed .. Any ideas? Appreciate it!

  54. Hi there! This is my first visit to your blog!

    We are a team of volunteers and starting a new project in a community in the
    same niche. Your blog provided us beneficial information to work on. You have
    done a wonderful job!

  55. Very good blog! Do you have any recommendations for aspiring writers?
    I’m hoping to start my own blog soon but I’m a little lost
    on everything. Would you advise starting with a free platform like WordPress
    or go for a paid option? There are so many options out there that I’m completely confused
    .. Any tips? Many thanks!

  56. I think other web site proprietors should take this web site as an model, very clean and great user genial style and design, let alone the content. You are an expert in this topic!

  57. I was suggested this blog by my cousin. I’m not sure whether this post is written by him as nobody else know
    such detailed about my problem. You are amazing! Thanks!

  58. What as Happening i am new to this, I stumbled upon this I ave found It absolutely helpful and it has helped me out loads. I hope to contribute & aid other users like its helped me. Good job.

  59. My programmer is trying to convince me to move to .net from PHP.
    I have always disliked the idea because of the expenses.
    But he’s tryiong none the less. I’ve been using WordPress on various websites for about a year and am nervous about switching to another platform.
    I have heard good things about blogengine.net.

    Is there a way I can transfer all my wordpress posts into it?

    Any kind of help would be greatly appreciated!

  60. Undeniably believe that that you said. Your favourite reason seemed to be at the internet the simplest thing to take into account of.
    I say to you, I definitely get annoyed at the same time as other people consider
    worries that they just do not recognise about. You managed
    to hit the nail upon the highest and outlined
    out the entire thing with no need side effect , other people could take a
    signal. Will likely be again to get more. Thank you

  61. This design is steller! You definitely know how to keep a reader
    entertained. Between your wit and your videos, I was almost moved to
    start my own blog (well, almost…HaHa!) Fantastic job.
    I really enjoyed what you had to say, and
    more than that, how you presented it. Too cool!

  62. This is really interesting, You are a very skilled blogger. I ave joined your rss feed and look forward to seeking more of your excellent post. Also, I ave shared your site in my social networks!

  63. I was recommended this blog by my cousin. I am not sure whether this post is written by him as nobody else know such detailed about my problem. You are amazing! Thanks!

  64. Thanks for another wonderful article. Where else could anyone get that type of information in such a perfect way of writing? I ave a presentation next week, and I am on the look for such information.

  65. I was suggested this website by my cousin. I am not sure whether this post is written by him as no one else know such detailed about my problem. You are amazing! Thanks!

  66. I think other web site proprietors should take this site as an model, very clean and great user friendly style and design, let alone the content. You are an expert in this topic!

  67. This is really interesting, You are a very skilled blogger. I ave joined your feed and look forward to seeking more of your magnificent post. Also, I have shared your website in my social networks!

  68. This is very interesting, You are a very skilled blogger. I ave joined your rss feed and look forward to seeking more of your great post. Also, I ave shared your web site in my social networks!

  69. Spot on with this write-up, I actually suppose this web site needs much more consideration. I all in all probability be once more to learn rather more, thanks for that info.

  70. Wow, marvelous weblog format! How lengthy have you been running a blog for? you make blogging look easy. The entire look of your site is wonderful, as well as the content!

  71. Whats Happening i am new to this, I stumbled upon this I have found It absolutely helpful and it has aided me out loads. I hope to give a contribution & help other users like its aided me. Good job.

  72. You ave made some really good points there. I looked on the web for more information about the issue and found most people will go along with your views on this web site.

  73. Ia??a?аАа’аАТ‚аЂ ve read some good stuff here. Definitely price bookmarking for revisiting. I surprise how so much effort you place to make this sort of magnificent informative website.

  74. Wow! This can be one particular of the most beneficial blogs We have ever arrive across on this subject. Basically Great. I am also a specialist in this topic so I can understand your hard work.

  75. Wow! This can be one particular of the most useful blogs We ave ever arrive across on this subject. Actually Great. I am also an expert in this topic therefore I can understand your effort.

  76. Normally I do not read post on blogs, however I would like to say that this write-up very pressured me to check out and do so! Your writing taste has been surprised me. Thank you, quite nice post.

  77. Incredible! This blog looks exactly like my old one! It as on a entirely different topic but it has pretty much the same page layout and design. Excellent choice of colors!