Los nuevos ecosistemas Fintech: ¿cómo están impactando en el sector bancario?

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CLAVES:

  • Las encuestas muestran que el sector bancario español tiene presente la llegada de las Fintech y cree en su potencial disruptor de cara a los próximos cinco años.
  • Existen diferentes áreas en las que se pueden clasificar las compañías Fintech aunque todas ellas tienen una serie de características comunes que las hacen añadir valor.
  • Las estrategias a seguir por los bancos para minimizar el efecto disruptor de las Fintech han de ser: la innovación interna, desarrollar nuevas habilidades, diversificarse, crear nuevas start-ups o bien comprarlas o generar alianzas.
  • En cuanto a los potenciadores, han de ser: el cambio cultural, atraer talento e incorporar nuevas habilidades.

La irrupción de nuevos entrantes en el sector bancario, está obligando a revisar los modelos de negocio tal y como se conocían hasta el momento. Estos nuevos entrantes tienen como referente a Uber, la start up que se ha convertido en el paradigma de la disrupción de múltiples sectores y organizaciones a nivel mundial. En el sector bancario y financiero los nuevos agentes se agrupan bajo la denominación de Fintech, startups que están llamadas a reinventar la cadena de valor de los servicios bancarios y financieros, lo que se ha venido a denominar “la banca sin bancos”.

En este contexto, Oracle, en colaboración con Evoca, ha publicado el estudio “Fintech: explosión de plataformas” cuyo objetivo es identificar, clasificar y analizar los agentes disruptores, que en los diferentes segmentos de negocio del sector financiero, están transformando el sector. El estudio profundiza en el análisis y catalogación de los principales servicios ofrecidos por las Fintech, haciendo hincapié en la manera en que estas compañías han desarrollado ecosistemas abiertos y en el papel catalizador del cloud, del mobile y del data en las nuevas plataformas digitales. En total, el estudio ha identificado once categorías diferentes:

Fuente: Oracle & Evoca
Fuente: Oracle & Evoca

Estas son las once compañías que el estudio ha seleccionado como ejemplos de cada categoría:

Transacciones móviles: Yaap: una iniciativa española creada en 2014 e impulsada por dos entidades financieras (La Caixa y Santander) y un operador de telecomunicaciones (Telefónica) para desarrollar negocios digitales, globales y abiertos. Se trata de una plataforma móvil para realizar pequeños pagos entre particulares fidelizar clientes en tiendas físicas.

Créditos online P2P: Para la parte de créditos P2P han seleccionado a la archiconocida Lending Club, una de las start-up que más está despuntando en el área de crédito y Fintech.

Mobile wallets: Loopay, empresa creada en 2012 en Boston y que ha puesto en el mercado la cartera móvil (mobile wallet) que tiene mayor aceptación en los comercios, tiendas y restaurantes de Estados Unidos.

Monedas virtuales: BitPay, fundada en 2011 en Estados Unidos con el objetivo de que las empresas en cualquier lugar del mundo acepten bitcoins como forma de pago. Para ello ofrece soluciones integradas, plugins para la mayoría de las principales soluciones de ecommerce open source, activación de pagos con bitcoin en diferentes sistemas de punto de venta tradicionales o basados en tabletas y en distintas soluciones de facturación y contabilidad, y soluciones para sistemas de donaciones.

Transferencias de dinero: WorldRemit, de Reino Unido, un servicio online que permite enviar dinero a familiares y amigos en otros países, en cualquier lugar y momento, utilizando todo tipo de dispositivos electrónicos: teléfonos móviles, tabletas, ordenadores, etc.

Retail commerce: Powa Tecnologies, una compañía británica especializada en el sector del comercio y con foco en las tecnologías que transforman y redefinen el mercado del retail.

Equity crowdfunding: Seeders, con base en Reino Unido, cuyo objetivo es poner en contacto mediante una plataforma online a inversores con startups que buscan capital.

Negociación de acciones: IEX Trading, fundada en 2012 en Estados Unidos, es un sistema electrónico de negociación de acciones apoyado por un consorcio de inversores que operan en el segmento de las compras, incluyendo fondos de inversión, hedge funds y family offices.

Herramientas tecnológicas para entidades financieras: Atsora, de Polonia, es una empresa que ofrece a las Pymes un paquete de herramientas para cambiar al mundo de la banca 2.0 y 3.0. Para ello combina analíticas financieras y tecnologías móviles y online con prestaciones centradas en la mejora de la experiencia de cliente.

Soluciones financieras móviles en países en desarrollo: Fundamo, una empresa con sede en Ciudad del Cabo (Sudáfrica) y especializada en la prestación de servicios financieros móviles para clientes no bancarizados.

Datos de mercados financieros: En esta área incluyen a la famosa firma de investigación IDC que suministra información y estadísticas a las instituciones financieras a nivel global.

¿Qué aportan de nuevo las Fintech?

A partir del análisis de las once empresas selecionadas para ilustrar como ejemplos cada una de las once categorías, se pueden extraer una serie de conclusiones generales en cuanto a las características comunes que las hacen añadir mayor valor:

  • Las Fintech intentan simplificar procesos, reducir los costes para ellos (comisiones, créditos, etc.) al tiempo que mejoran la personalización de los servicios (cupones de descuento que se generan en la tienda…).
  • Un elemento clave añadido es su intención de mejorar la experiencia de cliente, que en el caso de las entidades financieras tradicionales no es considerada como óptima por una buena parte de los clientes.
  • Otras ventanas de oportunidad que tratan de explotar los nuevos entrantes tienen que ver con la percepción del cliente (tratar a los pequeños clientes como si fueran grandes), el aumento de las prestaciones de los servicios, la interoperabilidad de los mismos, su uso universal, el aumento de la seguridad electrónica y legal de los clientes.
  • Las Fintech no se limitan a áreas específicas, sino que están presentes en toda la cadena de valor del ecosistema: plataformas, aplicaciones, servicios, hardware, etc.
  • Los nuevos entrantes tratan de buscar nichos de negocio no cubiertos o mal cubiertos por los grandes agentes tradicionales.
  • Sin embargo, la mayoría de las Fintech presenta importantes dificultades para monetizar sus productos y servicios y, en algunos casos, no está claro el modelo de negocio, por lo que dependen de las rondas de financiación.
  • En la creación de los ecosistemas se presentan numerosos casos de colaboración entre distintos perfiles de agentes: en el capital de los Fintech participan bancos, empresas de telecomunicaciones, grandes empresas de Internet, fabricantes de tecnología, medios de pago, etc.
  • En esos nuevos ecosistemas se aprecian también tendencias como la convergencia de plataformas (banca-operadores de telecomunicaciones, empresas de transacciones-plataformas de mensajería, etc.) o la entrada de agentes que no tienen nada que ver con el ecosistema (terceras partes en las plataformas banca-empresas, que ofrecen servicios financieros y no..)
  • La mayoría de los nuevos negocios basados en plataformas ofrecen servicios basados en cloud.
¿Qué opina la banca española sobre la llegada de las Fintech?

Por otro lado, a partir del análisis de estas once compañías y ecosistemas, en conjunto con una encuesta realizada a representantes de las principales instituciones bancarias en España, el informe extrae una serie de conclusiones acerca de la percepción que el sector bancario español tiene acerca de las Fintech:

  • El 90% de los encuestados considera que las Fintech son ya una amenaza o lo serán en los próximos tres años.
  • El 80% está convencido de que el sector financiero se habrá transformado digitalmente en los próximos 5 años.
  • El 60% cree muy probable que en los próximos años surja un Uber bancario.
  • El 60% de los encuestados señala el uso del design thinking y de las metodologías Lean y Agile para convertir la banca en un negocio digital.
  • El 90% considera clave el papel de la legislación para ralentizar la aparición de nuevos agentes.
Fuente: Oracle & Evoca
Fuente: Oracle & Evoca
Fuente: Oracle & Evoca
Fuente: Oracle & Evoca

¿Cómo minimizar la llegada de los nuevos disruptores?

En cuanto a las estrategias a seguir para minimizar el efecto disruptor de las nuevas compañías Fintech, el estudio ofrece una serie de recomendaciones clave:

  1. Innovación interna.
  2. Creación de start-ups.
  3. Alianzas.
  4. Diversificación.
  5. Adquisiciones.

En cuanto a los potenciadores:

  1. Cambio cultural.
  2. Atraer talento.
  3. Nuevas skills.
Fuente: Oracle & Evoca
Fuente: Oracle & Evoca

¿Cómo serán los bancos del futuro?

Oracle y Evoca consideran que algunos bancos evolucionarán hacia proveedores de servicios financieros. Bajo esta premisa empiezan a surgir nuevos conceptos como el banking as a service o marketplace bank. Éstas son las principales conclusiones del informe al respecto:

  • Está teniendo lugar una batalla de David contra Goliat.
  • La mayoría de los bancos visionarios están estudiando nuevas formas de operar aplicando las tecnologías Fintech, como por ejemplo el blockchain.
  • También se estudian nuevas formas de capitalizar los datos a través de alianzas con otras compañías e industrias.
  • Entre los nuevos modelos de negocio contemplados, se sitúa por ejemplo la venta de servicios de gestión de riesgos a otras compañías e industrias.
  • Esta evolución hacia modelos de colaboración basados en plataformas requiere de importantes cambios en las infraestructuras tecnológicas de las entidades, que les permitan una mayor velocidad y escala.
Documento completo: Oracle – Financial Eco-Systems: Explosión de Plataformas

Evoca9

ORACLE. Financial Eco-Systems. Explosión de Plataformas. 28 de Noviembre de 2015 [consultado 15-12-2015]. Disponible en: http://fintech.oracleabm.com/register.jsp

 Download PDF

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