{"id":37581,"date":"2024-03-20T13:18:20","date_gmt":"2024-03-20T13:18:20","guid":{"rendered":"https:\/\/www.provenir.com\/spanish\/?p=37581"},"modified":"2026-05-12T13:58:23","modified_gmt":"2026-05-12T13:58:23","slug":"los-datos-alternativos-son-clave-para-el-acceso-al-financiamiento-2","status":"publish","type":"post","link":"https:\/\/www.provenir.com\/es\/los-datos-alternativos-son-clave-para-el-acceso-al-financiamiento-2\/","title":{"rendered":"Los datos alternativos son clave para el acceso al financiamiento"},"content":{"rendered":"<h1>Los datos alternativos son clave para el acceso al financiamiento<\/h1>\n<div>\n<p>La inclusi\u00f3n financiera es fundamental para el bienestar econ\u00f3mico, pero la inclusi\u00f3n crediticia, que facilita el acceso a financiamiento por bancos para individuos y empresas, es igualmente crucial para la movilidad social. Jos\u00e9 Luis Vargas, en este art\u00edculo de Computer Weekly, resalta la problem\u00e1tica del acceso al cr\u00e9dito en ciertas regiones y sugiere que los datos alternativos podr\u00edan mejorar la toma de decisiones crediticias de los proveedores financieros, promoviendo as\u00ed la lealtad de los clientes.<\/p>\n<p><a href=\"https:\/\/www.computerweekly.com\/es\/noticias\/366573534\/Los-datos-alternativos-son-clave-para-el-acceso-al-financiamiento\">Leer aqu\u00ed<\/a><\/p>\n<\/div>\n<div>\u00bfTe sientes abrumado\/a por el panorama de plataformas de toma de decisiones sobre riesgos? Consulta nuestra Gu\u00eda del Comprador.<\/div>\n<p><p>\n        <a href=\"\/es\/guia-del-comprador-de-plataformas-de-toma-de-decisiones-sobre-riesgos-mas-alla-del-onboarding\/\">Obtenga la gu\u00eda<\/a>\n    <\/p>\n<\/p>\n<h3>M\u00c1S RECURSOS<\/h3>\n<div>\n<div class=\"pt-cv-wrapper\"><div class=\"pt-cv-view pt-cv-grid pt-cv-colsys cveffect-darken pt-cv-same-height pt-cv-pgloadmore pt-cv-round-btn\" id=\"pt-cv-view-40ead380rw\"><div data-id=\"pt-cv-page-1\" class=\"pt-cv-page\" data-cvc=\"4\" data-cvct=\"3\" data-cvcm=\"1\"><div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"37639\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/provenir-anuncia-su-primer-cliente-en-colombia-creci\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/es\/provenir-anuncia-su-primer-cliente-en-colombia-creci\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Provenir Anuncia su ...<\/a><\/h4>\n<div class=\"pt-cv-content\">Provenir anuncia su asociaci\u00f3n con Creci, una fintech colombo-americana que apoya a peque\u00f1as empresas con impacto social en Latinoam\u00e9rica y ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/provenir-anuncia-su-primer-cliente-en-colombia-creci\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Leer m\u00e1s<\/a><\/div><\/div><\/div><\/div>\n<div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"37638\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/uso-de-datos-no-tradicionales-por-que-es-clave-para-expandir-y-mejorar-la-toma-de-decisiones-de-riesgos-2\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/es\/uso-de-datos-no-tradicionales-por-que-es-clave-para-expandir-y-mejorar-la-toma-de-decisiones-de-riesgos-2\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Uso de datos no trad...<\/a><\/h4>\n<div class=\"pt-cv-content\">Provenir organiz\u00f3 un panel sobre la creciente relevancia de los datos no tradicionales en Am\u00e9rica Latina. Gast\u00f3n Peralta y l\u00edderes ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/uso-de-datos-no-tradicionales-por-que-es-clave-para-expandir-y-mejorar-la-toma-de-decisiones-de-riesgos-2\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Leer m\u00e1s<\/a><\/div><\/div><\/div><\/div>\n<div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"37635\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/mastercard-acelera-la-implementacion-de-soluciones-digital-first\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/es\/mastercard-acelera-la-implementacion-de-soluciones-digital-first\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Mastercard acelera l...<\/a><\/h4>\n<div class=\"pt-cv-content\">Mastercard ampl\u00eda su red de socios en la plataforma Engage, facilitando a fintechs y empresas tecnol\u00f3gicas la implementaci\u00f3n de soluciones ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/mastercard-acelera-la-implementacion-de-soluciones-digital-first\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Leer m\u00e1s<\/a><\/div><\/div><\/div><\/div>\n<div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"37633\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/provenir-aliado-inteligente-de-la-inclusion-financiera\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/es\/provenir-aliado-inteligente-de-la-inclusion-financiera\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Provenir, aliado int...<\/a><\/h4>\n<div class=\"pt-cv-content\">Gabriela Herrera, l\u00edder de Provenir en Am\u00e9rica Latina, explica c\u00f3mo su plataforma de an\u00e1lisis de riesgo facilita la inclusi\u00f3n financiera, ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/provenir-aliado-inteligente-de-la-inclusion-financiera\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Leer m\u00e1s<\/a><\/div><\/div><\/div><\/div>\n<div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"37631\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/debate-por-la-privacidad-del-manejo-de-datos-publicos-y-alternativos-big-data-y-machine-learning\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/es\/debate-por-la-privacidad-del-manejo-de-datos-publicos-y-alternativos-big-data-y-machine-learning\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Debate por la privac...<\/a><\/h4>\n<div class=\"pt-cv-content\">En una entrevista con Gaceta Mercantil, Gabriela Herrera, l\u00edder de ventas de Provenir para Am\u00e9rica Latina, explica c\u00f3mo la tecnolog\u00eda ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/debate-por-la-privacidad-del-manejo-de-datos-publicos-y-alternativos-big-data-y-machine-learning\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Leer m\u00e1s<\/a><\/div><\/div><\/div><\/div>\n<div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"37627\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/provenir-presenta-data-cloud-marketplace-para-respaldar-la-innovacion-de-productos-y-una-mejor-experiencia-del-cliente\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"1046\" src=\"https:\/\/www.provenir.com\/es\/wp-content\/uploads\/sites\/5\/2024\/08\/Provenir_social_post_Data_Cloud__MP_Launch_SP-v2.png\" class=\"pt-cv-thumbnail img-rounded skip-lazy \" alt=\"Provenir presenta Data Cloud + Marketplace para respaldar la innovaci\u00f3n de productos y una mejor experiencia del cliente\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/es\/provenir-presenta-data-cloud-marketplace-para-respaldar-la-innovacion-de-productos-y-una-mejor-experiencia-del-cliente\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Provenir presenta Da...<\/a><\/h4>\n<div class=\"pt-cv-content\">Provenir presenta Data Cloud + Marketplace para respaldar la innovaci\u00f3n de productos y una mejor experiencia del cliente Nuevas soluciones ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/provenir-presenta-data-cloud-marketplace-para-respaldar-la-innovacion-de-productos-y-una-mejor-experiencia-del-cliente\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Leer m\u00e1s<\/a><\/div><\/div><\/div><\/div>\n<div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"37632\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/transunion-se-une-a-provenir-marketplace-para-ayudar-a-las-empresas-a-acelerar-las-decisiones-de-riesgo-crediticio\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/es\/transunion-se-une-a-provenir-marketplace-para-ayudar-a-las-empresas-a-acelerar-las-decisiones-de-riesgo-crediticio\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">TransUnion se une a ...<\/a><\/h4>\n<div class=\"pt-cv-content\">Provenir, l\u00edder global en software de an\u00e1lisis de datos y decisiones de riesgo, anuncia la incorporaci\u00f3n de TransUnion al Provenir ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/transunion-se-une-a-provenir-marketplace-para-ayudar-a-las-empresas-a-acelerar-las-decisiones-de-riesgo-crediticio\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Leer m\u00e1s<\/a><\/div><\/div><\/div><\/div>\n<div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"37634\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/bigtech-pueden-ser-aliadas-de-la-industria-financiera-segun-provenir\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/es\/bigtech-pueden-ser-aliadas-de-la-industria-financiera-segun-provenir\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Bigtech pueden ser a...<\/a><\/h4>\n<div class=\"pt-cv-content\">Gabriela Herrera, l\u00edder de Provenir en Am\u00e9rica Latina, destaca c\u00f3mo las Bigtechs, con el uso adecuado de tecnolog\u00eda y dentro ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/bigtech-pueden-ser-aliadas-de-la-industria-financiera-segun-provenir\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" 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{\"type\":\"layout\",\"children\":[{\"type\":\"section\",\"props\":{\"animation\":\"slide-bottom-small\",\"header_transparent\":true,\"header_transparent_noplaceholder\":true,\"header_transparent_text_color\":\"light\",\"image_position\":\"bottom-center\",\"image_size\":\"cover\",\"media_background\":\"#120226\",\"padding_bottom\":\"none\",\"padding_top\":\"xlarge\",\"style\":\"default\",\"title_breakpoint\":\"xl\",\"title_position\":\"top-left\",\"title_rotation\":\"left\",\"vertical_align\":\"\",\"width\":\"default\"},\"children\":[{\"type\":\"row\",\"children\":[{\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"position_sticky_breakpoint\":\"m\"},\"children\":[{\"type\":\"headline\",\"props\":{\"class\":\"uk-text-uppercase\",\"image_align\":\"left\",\"image_margin\":\"xsmall\",\"margin_bottom\":\"remove\",\"margin_top\":\"medium\",\"text_align\":\"center\",\"title_color\":\"warning\",\"title_element\":\"div\",\"title_style\":\"h2\"},\"source\":{\"query\":{\"name\":\"posts.singlePost\",\"field\":{\"name\":\"resources\",\"directives\":[{\"name\":\"slice\",\"arguments\":{\"offset\":0}}]}},\"props\":{\"content\":{\"filters\":{\"search\":\"\"},\"name\":\"name\"}}},\"name\":\"Resource 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fundamental para el bienestar econ\u00f3mico, pero la inclusi\u00f3n crediticia, que facilita el acceso a financiamiento por bancos para individuos y empresas, es igualmente crucial para la movilidad social. Jos\u00e9 Luis Vargas, en este art\u00edculo de Computer Weekly, resalta la problem\u00e1tica del acceso al cr\u00e9dito en ciertas regiones y sugiere que los datos alternativos podr\u00edan mejorar la toma de decisiones crediticias de los proveedores financieros, promoviendo as\u00ed la lealtad de los clientes.<\/p>\n\n\\n\n\n<p><a href=\\\"https:\/\/www.computerweekly.com\/es\/noticias\/366573534\/Los-datos-alternativos-son-clave-para-el-acceso-al-financiamiento\\\">Leer aqu\u00ed<\/a><\/p>\n\n\",\"margin_bottom\":\"default\",\"margin_top\":\"remove\"}}]},{\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"padding\":\"small\",\"position_sticky\":\"row\",\"position_sticky_breakpoint\":\"m\",\"position_sticky_offset\":\"100\",\"style\":\"card-default\",\"width_medium\":\"1-3\"},\"children\":[{\"type\":\"headline\",\"props\":{\"content\":\"\u00bfTe sientes abrumado\/a por el panorama de plataformas de toma de decisiones sobre riesgos? Consulta nuestra Gu\u00eda del Comprador.\",\"image_align\":\"left\",\"image_margin\":\"xsmall\",\"margin_bottom\":\"remove\",\"margin_top\":\"default\",\"text_align\":\"center\",\"title_color\":\"warning\",\"title_element\":\"div\",\"title_style\":\"h3\"}},{\"type\":\"button\",\"props\":{\"button_size\":\"small\",\"grid_column_gap\":\"small\",\"grid_row_gap\":\"small\",\"margin_bottom\":\"default\",\"margin_top\":\"default\",\"text_align\":\"center\"},\"children\":[{\"type\":\"button_item\",\"props\":{\"button_style\":\"default\",\"content\":\"Obtenga la gu\u00eda\",\"dialog_layout\":\"modal\",\"dialog_offcanvas_flip\":true,\"icon_align\":\"left\",\"link\":\"\/es\/guia-del-comprador-de-plataformas-de-toma-de-decisiones-sobre-riesgos-mas-alla-del-onboarding\/\"}}]}]}]}],\"name\":\"content section\"},{\"type\":\"section\",\"props\":{\"image_position\":\"center-center\",\"style\":\"default\",\"title_breakpoint\":\"xl\",\"title_position\":\"top-left\",\"title_rotation\":\"left\",\"vertical_align\":\"middle\",\"width\":\"default\"},\"children\":[{\"type\":\"row\",\"children\":[{\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"position_sticky_breakpoint\":\"m\"},\"children\":[{\"type\":\"headline\",\"props\":{\"content\":\"M\u00c1S RECURSOS\",\"image_align\":\"left\",\"image_margin\":\"xsmall\",\"title_color\":\"background\",\"title_decoration\":\"line\",\"title_element\":\"h3\",\"title_style\":\"text-large\"},\"name\":\"RESOURCE LIBRARY\"},{\"type\":\"html\",\"props\":{\"content\":\"[pt_view id=\\\"40ead380rw\\\"]\"},\"name\":\"resource library filter\"}]}]}],\"name\":\"Block - Resource Libraries\"}],\"version\":\"5.0.28\",\"yooessentialsVersion\":\"3.0.7\"} --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La inclusi\u00f3n financiera es esencial para el bienestar econ\u00f3mico, pero la inclusi\u00f3n crediticia es igualmente crucial para la movilidad social. Jos\u00e9 Luis Vargas, en un art\u00edculo de Computer Weekly, destaca los desaf\u00edos del acceso al cr\u00e9dito en algunas regiones y sugiere que los datos alternativos podr\u00edan mejorar la toma de decisiones crediticias, promoviendo la lealtad de los clientes.<\/p>\n","protected":false},"author":14,"featured_media":37582,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"industry":[22],"language":[41],"mktplace-data-type":[],"mktplace-region":[],"mktplace-use-case":[],"resource":[83],"class_list":["post-37581","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","industry-datos","language-spanish","resource-noticias"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Los datos 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