{"id":37874,"date":"2024-11-22T12:19:07","date_gmt":"2024-11-22T12:19:07","guid":{"rendered":"https:\/\/www.provenir.com\/spanish\/?p=37874"},"modified":"2026-03-23T12:25:32","modified_gmt":"2026-03-23T12:25:32","slug":"blog-finanzas-del-futuro","status":"publish","type":"post","link":"https:\/\/www.provenir.com\/es\/blog-finanzas-del-futuro\/","title":{"rendered":"Blog: Finanzas del Futuro"},"content":{"rendered":"<h1><span class=\"uk-text-primary\">Finanzas del Futuro: <\/span>10 Innovaciones Revolucionarias que Transformar\u00e1n los Servicios Financieros<\/h1>\n<div>Descubre c\u00f3mo la tecnolog\u00eda de vanguardia redefinir\u00e1 la industria.<\/div>\n<ul>\n<li>\n<\/li>\n<li>\n<\/li>\n<\/ul>\n<div>En las \u00faltimas dos d\u00e9cadas, hemos presenciado avances incre\u00edbles en todo tipo de tecnolog\u00edas \u00bfqui\u00e9n recuerda la vida antes del smartphone? y los servicios financieros no han sido la excepci\u00f3n. Pero la innovaci\u00f3n apenas comienza. El sector financiero se encuentra al borde de una nueva ola de tecnolog\u00edas de vanguardia, con desarrollos cada vez m\u00e1s sofisticados que mejorar\u00e1n la precisi\u00f3n en la toma de decisiones, la eficiencia operativa y la satisfacci\u00f3n y compromiso del cliente. \u00bfQu\u00e9 les depara el futuro a los proveedores de servicios financieros? Aunque es imposible predecir con exactitud c\u00f3mo ser\u00e1n los pr\u00f3ximos veinte a\u00f1os, analizamos las innovaciones tecnol\u00f3gicas actuales y las fuerzas del mercado para vislumbrar lo que podr\u00eda estar por venir.\n<\/div>\n<h2><span class=\"uk-text-primary\">1.<\/span> Transformaci\u00f3n en las formas de pagar, pedir prestado, prestar y m\u00e1s<br \/>\n<\/h2>\n<div>Una serie de avances tecnol\u00f3gicos podr\u00eda revolucionar c\u00f3mo pagamos, pedimos prestado y utilizamos los productos y servicios financieros. Algunos de estos incluyen:\n<\/div>\n<ul>\n<li>\n<h3>Pagos biom\u00e9tricos<\/h3>\n<div>Autenticaci\u00f3n mediante datos biom\u00e9tricos, como huellas dactilares, reconocimiento facial o escaneo de retina, que permite una forma de pago fluida y segura.\n<\/div>\n<\/li>\n<li>\n<h3>Pagos por voz<\/h3>\n<div>Transacciones iniciadas mediante comandos de voz en dispositivos inteligentes, lo que aumenta significativamente la comodidad del usuario.\n<\/div>\n<\/li>\n<li>\n<h3>Pagos invisibles<\/h3>\n<div>Transacciones autom\u00e1ticas que ocurren en segundo plano, habilitadas por IoT, reduciendo la fricci\u00f3n.\n<\/div>\n<\/li>\n<li>\n<h3>Pr\u00e9stamos entre pares (P2P)<\/h3>\n<div>Plataformas que evolucionan con el uso de blockchain para mayor transparencia y seguridad.\n<\/div>\n<\/li>\n<li>\n<h3>Pr\u00e9stamos instant\u00e1neos<\/h3>\n<div>Microcr\u00e9ditos bajo demanda a trav\u00e9s de aplicaciones m\u00f3viles, adaptados a necesidades espec\u00edficas y con t\u00e9rminos de pago flexibles.\n<\/div>\n<\/li>\n<li>\n<h3>Activos tokenizados<\/h3>\n<div>La tokenizaci\u00f3n de activos f\u00edsicos, como bienes ra\u00edces o arte, que permite la propiedad fraccionada y nuevas oportunidades de inversi\u00f3n.\n<\/div>\n<\/li>\n<\/ul>\n<div>\n<p>        <img decoding=\"async\" src=\"\/es\/wp-content\/uploads\/2024\/05\/icon-auto-BLU.svg\" alt=\"\"><\/p>\n<div>\n<p>El mercado de pagos en veh\u00edculos conectados podr\u00eda alcanzar los <a href=\"https:\/\/www.ptolemus.com\/research\/connected-vehicle-payments\/\" target=\"_blank\" rel=\"noopener\">$600 mil millones<\/a> para 2030.<\/p>\n<\/div>\n<\/div>\n<h2><span class=\"uk-text-primary\">2.<\/span> La revoluci\u00f3n de la IA y el aprendizaje autom\u00e1tico<\/h2>\n<div>La IA y el ML ya son fundamentales en el procesamiento de grandes vol\u00famenes de datos y seguir\u00e1n redefiniendo la toma de decisiones de riesgo y la experiencia del usuario. Los algoritmos del futuro utilizar\u00e1n redes neuronales avanzadas y aprendizaje profundo para tomar decisiones casi en tiempo real, analizando variables complejas y prediciendo resultados con alta precisi\u00f3n. Esto tambi\u00e9n permitir\u00e1 una personalizaci\u00f3n m\u00e1s avanzada, transiciones de evaluaciones de riesgo est\u00e1ticas a din\u00e1micas, y una mayor inclusi\u00f3n y equidad en los servicios financieros.\n<\/div>\n<div>\n<p>        <img decoding=\"async\" src=\"\/es\/wp-content\/uploads\/2024\/06\/icon-ai-BLU.svg\" alt=\"\"><\/p>\n<div>\n<p><a href=\"https:\/\/www.industryresearch.biz\/enquiry\/request-sample\/24728471\" target=\"_blank\" rel=\"noopener\">Se estima que el mercado de la IA en la banca<\/a> pase de $6,794.27 millones de USD en 2023 a $36,765.29 millones de USD para 2028 (CAGR del 32.5%).<\/p>\n<\/div>\n<\/div>\n<h2><span class=\"uk-text-primary\">3.<\/span> Computaci\u00f3n cu\u00e1ntica: la nueva frontera<\/h2>\n<div>La computaci\u00f3n cu\u00e1ntica promete revolucionar el procesamiento de informaci\u00f3n al realizar c\u00e1lculos a velocidades inimaginables, permitiendo simulaciones complejas de riesgos y detecci\u00f3n de fraudes. Con estas capacidades, los proveedores de servicios financieros podr\u00e1n tomar decisiones m\u00e1s r\u00e1pidas e informadas y realizar simulaciones de reacciones del mercado ante eventos econ\u00f3micos.\n<\/div>\n<div>\n<p>        <img decoding=\"async\" src=\"\/es\/wp-content\/uploads\/2024\/06\/icon-globe-BLU.svg\" alt=\"\"><\/p>\n<div>\n<p>Se espera que el gasto en capacidades de computaci\u00f3n cu\u00e1ntica en el sector financiero crezca 233 veces, de $80 millones en 2022 a $19 mil millones en 2032.<\/p>\n<\/div>\n<\/div>\n<h2><span class=\"uk-text-primary\">4.<\/span> Blockchain y finanzas descentralizadas (DeFi)<\/h2>\n<div>Blockchain ofrece una plataforma descentralizada y segura, con potencial para transformar la infraestructura bancaria y los procesos de aprobaci\u00f3n de cr\u00e9ditos. Su transparencia y registros inalterables mejoran la prevenci\u00f3n de fraudes y la eficiencia operativa.\n<\/div>\n<div>\n<p>        <img decoding=\"async\" src=\"\/es\/wp-content\/uploads\/2024\/06\/icon-money-BLU.svg\" alt=\"\"><\/p>\n<div>\n<p>Actualmente hay alrededor de <a href=\"https:\/\/explodingtopics.com\/blog\/defi-stats\" target=\"_blank\" rel=\"noopener\">$52 mil millones bloqueados en DeFi, y se prev\u00e9 que el gasto global en blockchain alcance los $19 mil millones<\/a> este a\u00f1o.<\/p>\n<\/div>\n<\/div>\n<h2><span class=\"uk-text-primary\">5.<\/span> Monedas digitales de bancos centrales (CBDC)<\/h2>\n<div>La adopci\u00f3n de monedas digitales emitidas por bancos centrales podr\u00eda transformar radicalmente los servicios financieros, mejorando la eficiencia y la transparencia de las transacciones.\n<\/div>\n<div>\n<p>        <img decoding=\"async\" src=\"\/es\/wp-content\/uploads\/2024\/05\/icon-digiBank-BLU.svg\" alt=\"\"><\/p>\n<div>\n<p>134 pa\u00edses y uniones monetarias, <a href=\"https:\/\/www.atlanticcouncil.org\/cbdctracker\/\" target=\"_blank\" rel=\"noopener\">que representan el 98% del PIB mundial,<\/a> est\u00e1n explorando las CBDC.<\/p>\n<\/div>\n<\/div>\n<h2><span class=\"uk-text-primary\">6.<\/span> Integraci\u00f3n del IoT en la banca<\/h2>\n<div>El IoT podr\u00eda proporcionar flujos de datos continuos para modelos de riesgo de cr\u00e9dito, ofreciendo evaluaciones de riesgo m\u00e1s precisas y personalizadas.\n<\/div>\n<div>\n<p>        <img decoding=\"async\" src=\"\/es\/wp-content\/uploads\/2024\/05\/icon-fintech-BLU.svg\" alt=\"\"><\/p>\n<div>\n<p>Se proyecta que el mercado de IoT en servicios financieros alcance los <a href=\"https:\/\/www.verifiedmarketresearch.com\/product\/iot-in-banking-and-financial-services-market\/\" target=\"_blank\" rel=\"noopener\">$30,925 millones para 2030.<\/a><\/p>\n<\/div>\n<\/div>\n<h2><span class=\"uk-text-primary\">7.<\/span> Ciberseguridad: adelant\u00e1ndose a las amenazas<\/h2>\n<div>El uso creciente de tecnolog\u00edas digitales aumenta los riesgos de ciberseguridad, haciendo cr\u00edticas las medidas de seguridad avanzadas y predictivas.<\/div>\n<div>\n<p>        <img decoding=\"async\" src=\"\/es\/wp-content\/uploads\/2024\/05\/icon-fraud-BLU.svg\" alt=\"\"><\/p>\n<div>\n<p>Las instituciones financieras son el segundo sector m\u00e1s afectado por violaciones de datos.\n<\/p>\n<\/div>\n<\/div>\n<h2><span class=\"uk-text-primary\">8.<\/span> Pr\u00e9stamos sostenibles e impacto social<\/h2>\n<div>La gobernanza ambiental y social (ESG) est\u00e1 impulsando a las instituciones financieras a adoptar pr\u00e1cticas m\u00e1s responsables y sostenibles.\n<\/div>\n<div>\n<p>        <img decoding=\"async\" src=\"\/es\/wp-content\/uploads\/2024\/05\/icon-bnpl-BLU.svg\" alt=\"\"><\/p>\n<div>\n<p>La emisi\u00f3n de productos financieros sostenibles alcanz\u00f3 <a href=\"https:\/\/think.ing.com\/articles\/big-swings-in-2023-but-global-sustainable-finance-remains-in-rude-health\/\" target=\"_blank\" rel=\"noopener\">$717 mil millones<\/a> en la primera mitad de 2023.<\/p>\n<\/div>\n<\/div>\n<h2><span class=\"uk-text-primary\">9.<\/span> Desarrollos regulatorios y \u00e9ticos<\/h2>\n<div>El crecimiento de la tecnolog\u00eda requiere marcos regulatorios robustos que garanticen un uso \u00e9tico y responsable, protegiendo la privacidad y evitando sesgos en algoritmos de IA.\n<\/div>\n<div>\n<p>        <img decoding=\"async\" src=\"\/es\/wp-content\/uploads\/2024\/06\/icon-security-BLU.svg\" alt=\"\"><\/p>\n<div>\n<p>Gartner prev\u00e9 que para 2024, <a href=\"https:\/\/www.gartner.com\/en\/newsroom\/press-releases\/2022-05-31-gartner-identifies-top-five-trends-in-privacy-through-2024\" target=\"_blank\" rel=\"noopener\">el 75% de la poblaci\u00f3n mundial<\/a> estar\u00e1 protegida por regulaciones modernas de privacidad.<\/p>\n<\/div>\n<\/div>\n<h2><span class=\"uk-text-primary\">10.<\/span> Verificaci\u00f3n de identidad<\/h2>\n<div>La verificaci\u00f3n de identidad se ha transformado en los \u00faltimos a\u00f1os y continuar\u00e1 evolucionando, permitiendo m\u00e9todos m\u00e1s inclusivos y seguros.\n<\/div>\n<div>\n<p>        <img decoding=\"async\" src=\"\/es\/wp-content\/uploads\/2024\/06\/icon-face-BLU.svg\" alt=\"\"><\/p>\n<div>\n<p>Europa Occidental y Asia-Pac\u00edfico podr\u00edan <a href=\"https:\/\/www.juniperresearch.com\/resources\/infographics\/digital-id-verification-market-statistics-2023\/#:~:text=Our%20latest%20digital%20identity%20verification,to%20grow%20further%20by%202028.\" target=\"_blank\" rel=\"noopener\">representar el 50% del gasto <\/a> en verificaci\u00f3n digital de identidad para 2028.<\/p>\n<\/div>\n<\/div>\n<div>Innovaci\u00f3n futura y experiencia del cliente<\/div>\n<div>La tecnolog\u00eda continuar\u00e1 transformando la operaci\u00f3n de las instituciones financieras, impulsando la personalizaci\u00f3n y la rapidez de respuesta.\n<\/div>\n<div>\n<p>        <img decoding=\"async\" src=\"\/es\/wp-content\/uploads\/2024\/06\/icon-scale-BLU.svg\" alt=\"\"><\/p>\n<div>\n<p>La personalizaci\u00f3n a gran escala puede generar un aumento de ingresos del <a href=\"https:\/\/www.google.com\/url?q=https:\/\/www.bcg.com\/publications\/2019\/what-does-personalization-banking-really-mean&amp;sa=D&amp;source=docs&amp;ust=1719413800948274&amp;usg=AOvVaw1RUPfAEPbqM7BLfdA0T3c5\" target=\"_blank\" rel=\"noopener\">10% anual en la banca.<\/a><\/p>\n<\/div>\n<\/div>\n<h3>\u00bfListo para liderar el futuro de los servicios financieros?<\/h3>\n<div>Cont\u00e1ctanos hoy y descubre nuestras soluciones avanzadas de toma de decisiones.<\/div>\n<p><p>\n        <a href=\"\/es\/contactenos\/\">Cont\u00e0ctenos<\/a>\n    <\/p>\n<\/p>\n<div><strong>\u00daLTIMOS BLOGS<\/strong><\/div>\n<div>\n<div class=\"pt-cv-wrapper\"><div class=\"pt-cv-view pt-cv-grid 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En los servicios financieros, ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/mas-alla-del-score-crediticio-como-los-datos-alternativos-estan-abriendo-las-puertas-a-la-inclusion-financiera\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" rel=\"nofollow\" 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=\"38176\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/fraude-de-primera-persona-el-costo-oculto-de-los-buenos-clientes\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" rel=\"nofollow\" data-iw=\"200\" data-ih=\"100\"><img loading=\"lazy\" decoding=\"async\" width=\"1800\" height=\"941\" src=\"https:\/\/www.provenir.com\/es\/wp-content\/uploads\/sites\/5\/2025\/09\/BLOG-FPF-ES-Jason-feature.jpg\" class=\"pt-cv-thumbnail img-rounded skip-lazy \" alt=\"BLOG FPF - ES - Jason-feature\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/es\/fraude-de-primera-persona-el-costo-oculto-de-los-buenos-clientes\/\" class=\"_self cvplbd\" target=\"_self\" rel=\"nofollow\" data-iw=\"200\" data-ih=\"100\">Fraude de Primera Pe...<\/a><\/h4>\n<div class=\"pt-cv-content\">BLOG Fraude de Primera Persona: El Riesgo Oculto Detr\u00e1s de los \u201cBuenos\u201d Clientes Revelando el Riesgo con un Enfoque Unificado ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/fraude-de-primera-persona-el-costo-oculto-de-los-buenos-clientes\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" rel=\"nofollow\" 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=\"38124\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/telcos-la-importancia-de-la-experiencia-del-cliente-para-fomentar-la-lealtad-a-lo-largo-del-ciclo-de-vida-del-suscriptor\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" rel=\"nofollow\" data-iw=\"200\" data-ih=\"100\"><img loading=\"lazy\" decoding=\"async\" width=\"2400\" height=\"1254\" src=\"https:\/\/www.provenir.com\/es\/wp-content\/uploads\/sites\/5\/2025\/08\/250807-BLOG-telco-FeatureIMG-1200x627-ES-43392.jpg\" class=\"pt-cv-thumbnail img-rounded skip-lazy \" alt=\"telco blog\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/es\/telcos-la-importancia-de-la-experiencia-del-cliente-para-fomentar-la-lealtad-a-lo-largo-del-ciclo-de-vida-del-suscriptor\/\" class=\"_self cvplbd\" target=\"_self\" rel=\"nofollow\" data-iw=\"200\" data-ih=\"100\">Telcos: La importanc...<\/a><\/h4>\n<div class=\"pt-cv-content\">Telcos: La importancia de la experiencia del cliente para fomentar la lealtad a lo largo del ciclo de vida del ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/telcos-la-importancia-de-la-experiencia-del-cliente-para-fomentar-la-lealtad-a-lo-largo-del-ciclo-de-vida-del-suscriptor\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" rel=\"nofollow\" 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=\"38108\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/mas-que-un-selfie\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" rel=\"nofollow\" data-iw=\"200\" data-ih=\"100\"><img loading=\"lazy\" decoding=\"async\" width=\"2400\" height=\"1254\" 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la respuesta no siempre radica en ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/optimizacion-de-la-orquestacion-de-datos-para-la-prevencion-de-fraudes-en-aplicaciones\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" rel=\"nofollow\" data-iw=\"200\" data-ih=\"100\">Leer m\u00e1s<\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n<div class=\"text-left round-button pt-cv-pagination-wrapper\"><ul class=\"pt-cv-pagination pt-cv-ajax pagination\" data-totalpages=\"7\" data-currentpage=\"1\" data-sid=\"8dc1b6fgo4\" data-unid=\"\" data-isblock=\"\" data-postid=\"\"><li class=\"active\"><a href=\"#\">1<\/a><\/li>\n\t<li ><a class=\"\" href=\"https:\/\/www.provenir.com\/es\/wp-json\/wp\/v2\/posts\/37874\/?_page=2\">2<\/a><\/li>\n\t<li ><a class=\"\" href=\"https:\/\/www.provenir.com\/es\/wp-json\/wp\/v2\/posts\/37874\/?_page=3\">3<\/a><\/li>\n\t<li ><a href=\"#\">&hellip;<\/a><\/li>\n\t<li ><a class=\"\" 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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\":\"wp-content\\\/uploads\\\/hero-bg.svg\",\"image_position\":\"bottom-center\",\"image_size\":\"cover\",\"media_background\":\"#120226\",\"padding\":\"large\",\"padding_remove_bottom\":true,\"padding_remove_top\":false,\"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\",\"margin\":\"medium\",\"margin_remove_bottom\":true,\"margin_remove_top\":false,\"text_align\":\"center\",\"title_color\":\"warning\",\"title_element\":\"div\",\"title_style\":\"h3\"},\"source\":{\"props\":{\"_condition\":{\"arguments\":{\"separator\":\", \",\"show_link\":true,\"link_style\":\"\"},\"name\":\"resourceString\",\"filters\":{\"condition\":\"!!\"}},\"content\":{\"arguments\":{\"separator\":\", \",\"show_link\":false,\"link_style\":\"\"},\"name\":\"resourceString\"}},\"query\":{\"name\":\"posts.singlePost\"}},\"name\":\"ES - Block - AUTOPOPULATED RESOURCE NAME\"},{\"type\":\"headline\",\"props\":{\"content\":\"<span class=\\\"uk-text-primary\\\">Finanzas del Futuro: <\\\/span>10 Innovaciones Revolucionarias que Transformar\\u00e1n los Servicios Financieros\",\"margin\":\"medium\",\"margin_remove_top\":true,\"text_align\":\"center\",\"title_element\":\"h1\",\"title_style\":\"heading-small\"}},{\"type\":\"text\",\"props\":{\"block_align\":\"center\",\"column_breakpoint\":\"m\",\"content\":\"Descubre c\\u00f3mo la tecnolog\\u00eda de vanguardia redefinir\\u00e1 la industria.\",\"margin\":\"\",\"margin_remove_top\":false,\"text_align\":\"center\",\"text_style\":\"lead\"}},{\"type\":\"grid\",\"props\":{\"content_column_breakpoint\":\"m\",\"filter_align\":\"left\",\"filter_all\":true,\"filter_grid_breakpoint\":\"m\",\"filter_grid_width\":\"auto\",\"filter_position\":\"top\",\"filter_style\":\"tab\",\"grid_column_align\":true,\"grid_column_gap\":\"small\",\"grid_default\":\"1\",\"grid_divider\":true,\"grid_medium\":\"\",\"grid_parallax_justify\":false,\"grid_row_align\":true,\"grid_row_gap\":\"small\",\"grid_small\":\"auto\",\"icon_width\":80,\"image_align\":\"left\",\"image_border\":\"circle\",\"image_grid_breakpoint\":\"m\",\"image_grid_width\":\"auto\",\"image_height\":\"60\",\"image_svg_color\":\"emphasis\",\"image_vertical_align\":true,\"image_width\":\"60\",\"item_animation\":true,\"lightbox_bg_close\":true,\"link_style\":\"default\",\"link_text\":\"Read more\",\"margin\":\"medium\",\"margin_remove_bottom\":true,\"margin_remove_top\":false,\"meta_align\":\"below-title\",\"meta_element\":\"div\",\"meta_style\":\"text-meta\",\"panel_link\":true,\"show_content\":true,\"show_hover_image\":true,\"show_hover_video\":true,\"show_image\":true,\"show_link\":true,\"show_meta\":true,\"show_title\":true,\"show_video\":true,\"text_align\":\"left\",\"text_align_breakpoint\":\"s\",\"text_align_fallback\":\"center\",\"title_align\":\"top\",\"title_element\":\"h3\",\"title_grid_breakpoint\":\"m\",\"title_grid_width\":\"1-2\",\"title_hover_style\":\"reset\"},\"children\":[{\"type\":\"grid_item\",\"source\":{\"query\":{\"name\":\"posts.singlePost\"},\"props\":{\"_condition\":{\"filters\":{\"condition\":\"!!\"},\"name\":\"author.name\"},\"content\":{\"filters\":{\"search\":\"\"},\"name\":\"author.name\"},\"image\":{\"filters\":{\"search\":\"\"},\"arguments\":{\"size\":\"96\"},\"name\":\"author.avatar\"}}}},{\"type\":\"grid_item\",\"source\":{\"query\":{\"name\":\"posts.singlePost\"},\"props\":{\"_condition\":{\"filters\":{\"condition\":\"!!\"},\"name\":\"date\"},\"content\":{\"filters\":{\"search\":\"\",\"date\":\"\"},\"name\":\"date\"}}}}],\"name\":\"Author | Date (auto populated)\"}]}]}],\"name\":\"home-hero\"},{\"type\":\"section\",\"props\":{\"image_position\":\"center-center\",\"style\":\"secondary\",\"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\",\"width_medium\":\"2-3\"},\"children\":[{\"type\":\"text\",\"props\":{\"column_breakpoint\":\"m\",\"content\":\"En las \\u00faltimas dos d\\u00e9cadas, hemos presenciado avances incre\\u00edbles en todo tipo de tecnolog\\u00edas \\u00bfqui\\u00e9n recuerda la vida antes del smartphone? y los servicios financieros no han sido la excepci\\u00f3n. Pero la innovaci\\u00f3n apenas comienza. El sector financiero se encuentra al borde de una nueva ola de tecnolog\\u00edas de vanguardia, con desarrollos cada vez m\\u00e1s sofisticados que mejorar\\u00e1n la precisi\\u00f3n en la toma de decisiones, la eficiencia operativa y la satisfacci\\u00f3n y compromiso del cliente. \\u00bfQu\\u00e9 les depara el futuro a los proveedores de servicios financieros? Aunque es imposible predecir con exactitud c\\u00f3mo ser\\u00e1n los pr\\u00f3ximos veinte a\\u00f1os, analizamos las innovaciones tecnol\\u00f3gicas actuales y las fuerzas del mercado para vislumbrar lo que podr\\u00eda estar por venir.\\n\",\"margin\":\"default\"}},{\"type\":\"headline\",\"props\":{\"content\":\"<span class=\\\"uk-text-primary\\\">1.<\\\/span> Transformaci\\u00f3n en las formas de pagar, pedir prestado, prestar y m\\u00e1s\\n\",\"margin_remove_bottom\":true,\"title_element\":\"h2\",\"title_style\":\"h3\"}},{\"type\":\"text\",\"props\":{\"column_breakpoint\":\"m\",\"content\":\"Una serie de avances tecnol\\u00f3gicos podr\\u00eda revolucionar c\\u00f3mo pagamos, pedimos prestado y utilizamos los productos y servicios financieros. Algunos de estos incluyen:\\n\",\"margin\":\"default\",\"margin_remove_top\":true}},{\"type\":\"description_list\",\"props\":{\"column_breakpoint\":\"m\",\"layout\":\"stacked\",\"list_element\":\"ul\",\"list_marker\":\"disc\",\"list_marker_color\":\"muted\",\"meta_align\":\"below-content\",\"meta_style\":\"text-meta\",\"show_content\":true,\"show_link\":true,\"show_meta\":true,\"show_title\":true,\"title_colon\":true,\"title_element\":\"div\",\"title_grid_column_gap\":\"small\",\"title_grid_row_gap\":\"small\",\"title_grid_width\":\"auto\",\"title_style\":\"text-bold\"},\"children\":[{\"type\":\"description_list_item\",\"props\":{\"content\":\"Autenticaci\\u00f3n mediante datos biom\\u00e9tricos, como huellas dactilares, reconocimiento facial o escaneo de retina, que permite una forma de pago fluida y segura.\\n\",\"title\":\"Pagos biom\\u00e9tricos\"}},{\"type\":\"description_list_item\",\"props\":{\"content\":\"Transacciones iniciadas mediante comandos de voz en dispositivos inteligentes, lo que aumenta significativamente la comodidad del usuario.\\n\",\"title\":\"Pagos por voz\"}},{\"type\":\"description_list_item\",\"props\":{\"content\":\"Transacciones autom\\u00e1ticas que ocurren en segundo plano, habilitadas por IoT, reduciendo la fricci\\u00f3n.\\n\",\"title\":\"Pagos invisibles\"}},{\"type\":\"description_list_item\",\"props\":{\"content\":\"Plataformas que evolucionan con el uso de blockchain para mayor transparencia y seguridad.\\n\",\"title\":\"Pr\\u00e9stamos entre pares (P2P)\"}},{\"type\":\"description_list_item\",\"props\":{\"content\":\"Microcr\\u00e9ditos bajo demanda a trav\\u00e9s de aplicaciones m\\u00f3viles, adaptados a necesidades espec\\u00edficas y con t\\u00e9rminos de pago flexibles.\\n\",\"title\":\"Pr\\u00e9stamos instant\\u00e1neos\"}},{\"type\":\"description_list_item\",\"props\":{\"content\":\"La tokenizaci\\u00f3n de activos f\\u00edsicos, como bienes ra\\u00edces o arte, que permite la propiedad fraccionada y nuevas oportunidades de inversi\\u00f3n.\\n\",\"title\":\"Activos tokenizados\"}}]},{\"type\":\"panel\",\"props\":{\"content\":\"\n\n<p>El mercado de pagos en veh\\u00edculos conectados podr\\u00eda alcanzar los <a href=\\\"https:\\\/\\\/www.ptolemus.com\\\/research\\\/connected-vehicle-payments\\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">$600 mil millones<\\\/a> para 2030.<\\\/p>\",\"content_align\":true,\"content_column_breakpoint\":\"m\",\"content_style\":\"h4\",\"height_expand\":false,\"icon\":\"\",\"icon_width\":80,\"image\":\"wp-content\\\/uploads\\\/2024\\\/05\\\/icon-auto-BLU.svg\",\"image_align\":\"left\",\"image_grid_breakpoint\":\"m\",\"image_grid_width\":\"auto\",\"image_loading\":true,\"image_svg_color\":\"emphasis\",\"image_vertical_align\":true,\"image_width\":80,\"link_style\":\"default\",\"link_text\":\"Read more\",\"margin\":\"default\",\"meta_align\":\"below-title\",\"meta_element\":\"div\",\"meta_style\":\"text-meta\",\"panel_expand\":\"content\",\"panel_padding\":\"small\",\"text_align\":\"left\",\"title_align\":\"top\",\"title_element\":\"h3\",\"title_grid_breakpoint\":\"m\",\"title_grid_width\":\"1-2\",\"title_hover_style\":\"reset\"},\"name\":\"call out: ai in banking\"},{\"type\":\"headline\",\"props\":{\"content\":\"<span class=\\\"uk-text-primary\\\">2.<\\\/span> La revoluci\\u00f3n de la IA y el aprendizaje autom\\u00e1tico\",\"margin_remove_bottom\":true,\"title_element\":\"h2\",\"title_style\":\"h3\"},\"name\":\"The AI and Machine Learning Revolution\"},{\"type\":\"text\",\"props\":{\"column_breakpoint\":\"m\",\"content\":\"La IA y el ML ya son fundamentales en el procesamiento de grandes vol\\u00famenes de datos y seguir\\u00e1n redefiniendo la toma de decisiones de riesgo y la experiencia del usuario. Los algoritmos del futuro utilizar\\u00e1n redes neuronales avanzadas y aprendizaje profundo para tomar decisiones casi en tiempo real, analizando variables complejas y prediciendo resultados con alta precisi\\u00f3n. Esto tambi\\u00e9n permitir\\u00e1 una personalizaci\\u00f3n m\\u00e1s avanzada, transiciones de evaluaciones de riesgo est\\u00e1ticas a din\\u00e1micas, y una mayor inclusi\\u00f3n y equidad en los servicios financieros.\\n\",\"margin\":\"default\",\"margin_remove_top\":true}},{\"type\":\"panel\",\"props\":{\"content\":\"\n\n<p><a href=\\\"https:\\\/\\\/www.industryresearch.biz\\\/enquiry\\\/request-sample\\\/24728471\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">Se estima que el mercado de la IA en la banca<\\\/a> pase de $6,794.27 millones de USD en 2023 a $36,765.29 millones de USD para 2028 (CAGR del 32.5%).<\\\/p>\",\"content_align\":true,\"content_column_breakpoint\":\"m\",\"content_style\":\"h4\",\"icon\":\"\",\"icon_width\":80,\"image\":\"wp-content\\\/uploads\\\/2024\\\/06\\\/icon-ai-BLU.svg\",\"image_align\":\"left\",\"image_grid_breakpoint\":\"m\",\"image_grid_column_gap\":\"small\",\"image_grid_row_gap\":\"small\",\"image_grid_width\":\"auto\",\"image_loading\":true,\"image_svg_color\":\"emphasis\",\"image_vertical_align\":true,\"image_width\":80,\"link_style\":\"default\",\"link_text\":\"Read more\",\"margin\":\"default\",\"meta_align\":\"below-title\",\"meta_element\":\"div\",\"meta_style\":\"text-meta\",\"panel_padding\":\"small\",\"title_align\":\"top\",\"title_element\":\"h3\",\"title_grid_breakpoint\":\"m\",\"title_grid_width\":\"1-2\",\"title_hover_style\":\"reset\"},\"name\":\"call out: ai in banking\"},{\"type\":\"headline\",\"props\":{\"content\":\"<span class=\\\"uk-text-primary\\\">3.<\\\/span> Computaci\\u00f3n cu\\u00e1ntica: la nueva frontera\",\"margin_remove_bottom\":true,\"title_element\":\"h2\",\"title_style\":\"h3\"},\"name\":\"Quantum Computing: The New Frontier\"},{\"type\":\"text\",\"props\":{\"column_breakpoint\":\"m\",\"content\":\"La computaci\\u00f3n cu\\u00e1ntica promete revolucionar el procesamiento de informaci\\u00f3n al realizar c\\u00e1lculos a velocidades inimaginables, permitiendo simulaciones complejas de riesgos y detecci\\u00f3n de fraudes. Con estas capacidades, los proveedores de servicios financieros podr\\u00e1n tomar decisiones m\\u00e1s r\\u00e1pidas e informadas y realizar simulaciones de reacciones del mercado ante eventos econ\\u00f3micos.\\n\",\"margin\":\"default\",\"margin_remove_top\":true}},{\"type\":\"panel\",\"props\":{\"content\":\"\n\n<p>Se espera que el gasto en capacidades de computaci\\u00f3n cu\\u00e1ntica en el sector financiero crezca 233 veces, de $80 millones en 2022 a $19 mil millones en 2032.<\\\/p>\",\"content_align\":true,\"content_column_breakpoint\":\"m\",\"content_style\":\"h4\",\"icon\":\"\",\"icon_width\":80,\"image\":\"wp-content\\\/uploads\\\/2024\\\/06\\\/icon-globe-BLU.svg\",\"image_align\":\"left\",\"image_grid_breakpoint\":\"m\",\"image_grid_column_gap\":\"small\",\"image_grid_row_gap\":\"small\",\"image_grid_width\":\"auto\",\"image_loading\":true,\"image_svg_color\":\"emphasis\",\"image_vertical_align\":true,\"image_width\":80,\"link_style\":\"default\",\"link_text\":\"Read more\",\"margin\":\"default\",\"meta_align\":\"below-title\",\"meta_element\":\"div\",\"meta_style\":\"text-meta\",\"panel_padding\":\"small\",\"title_align\":\"top\",\"title_element\":\"h3\",\"title_grid_breakpoint\":\"m\",\"title_grid_width\":\"1-2\",\"title_hover_style\":\"reset\"},\"name\":\"call out: globally\"},{\"type\":\"headline\",\"props\":{\"content\":\"<span class=\\\"uk-text-primary\\\">4.<\\\/span> Blockchain y finanzas descentralizadas (DeFi)\",\"margin_remove_bottom\":true,\"title_element\":\"h2\",\"title_style\":\"h3\"},\"name\":\"Blockchain and Decentralized Finance (DeFI)\"},{\"type\":\"text\",\"props\":{\"column_breakpoint\":\"m\",\"content\":\"Blockchain ofrece una plataforma descentralizada y segura, con potencial para transformar la infraestructura bancaria y los procesos de aprobaci\\u00f3n de cr\\u00e9ditos. Su transparencia y registros inalterables mejoran la prevenci\\u00f3n de fraudes y la eficiencia operativa.\\n\",\"margin\":\"default\",\"margin_remove_top\":true}},{\"type\":\"panel\",\"props\":{\"content\":\"\n\n<p>Actualmente hay alrededor de <a href=\\\"https:\\\/\\\/explodingtopics.com\\\/blog\\\/defi-stats\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">$52 mil millones bloqueados en DeFi, y se prev\\u00e9 que el gasto global en blockchain alcance los $19 mil millones<\\\/a> este a\\u00f1o.<\\\/p>\",\"content_align\":true,\"content_column_breakpoint\":\"m\",\"content_style\":\"h4\",\"icon\":\"\",\"icon_width\":80,\"image\":\"wp-content\\\/uploads\\\/2024\\\/06\\\/icon-money-BLU.svg\",\"image_align\":\"left\",\"image_grid_breakpoint\":\"m\",\"image_grid_column_gap\":\"small\",\"image_grid_row_gap\":\"small\",\"image_grid_width\":\"auto\",\"image_loading\":true,\"image_svg_color\":\"emphasis\",\"image_vertical_align\":true,\"image_width\":80,\"link_style\":\"default\",\"link_text\":\"Read more\",\"margin\":\"default\",\"meta_align\":\"below-title\",\"meta_element\":\"div\",\"meta_style\":\"text-meta\",\"panel_padding\":\"small\",\"title_align\":\"top\",\"title_element\":\"h3\",\"title_grid_breakpoint\":\"m\",\"title_grid_width\":\"1-2\",\"title_hover_style\":\"reset\"},\"name\":\"call out: globally\"},{\"type\":\"headline\",\"props\":{\"content\":\"<span class=\\\"uk-text-primary\\\">5.<\\\/span> Monedas digitales de bancos centrales (CBDC)\",\"margin_remove_bottom\":true,\"title_element\":\"h2\",\"title_style\":\"h3\"},\"name\":\"Rise of Central and Digital Bank Currencies\"},{\"type\":\"text\",\"props\":{\"column_breakpoint\":\"m\",\"content\":\"La adopci\\u00f3n de monedas digitales emitidas por bancos centrales podr\\u00eda transformar radicalmente los servicios financieros, mejorando la eficiencia y la transparencia de las transacciones.\\n\",\"margin\":\"default\",\"margin_remove_top\":true}},{\"type\":\"panel\",\"props\":{\"content\":\"\n\n<p>134 pa\\u00edses y uniones monetarias, <a href=\\\"https:\\\/\\\/www.atlanticcouncil.org\\\/cbdctracker\\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">que representan el 98% del PIB mundial,<\\\/a> est\\u00e1n explorando las CBDC.<\\\/p>\",\"content_align\":true,\"content_column_breakpoint\":\"m\",\"content_style\":\"h4\",\"icon\":\"\",\"icon_width\":80,\"image\":\"wp-content\\\/uploads\\\/2024\\\/05\\\/icon-digiBank-BLU.svg\",\"image_align\":\"left\",\"image_grid_breakpoint\":\"m\",\"image_grid_column_gap\":\"small\",\"image_grid_row_gap\":\"small\",\"image_grid_width\":\"auto\",\"image_loading\":true,\"image_svg_color\":\"emphasis\",\"image_vertical_align\":true,\"image_width\":80,\"link_style\":\"default\",\"link_text\":\"Read more\",\"margin\":\"default\",\"meta_align\":\"below-title\",\"meta_element\":\"div\",\"meta_style\":\"text-meta\",\"panel_padding\":\"small\",\"title_align\":\"top\",\"title_element\":\"h3\",\"title_grid_breakpoint\":\"m\",\"title_grid_width\":\"1-2\",\"title_hover_style\":\"reset\"},\"name\":\"call out: digi bank\"},{\"type\":\"headline\",\"props\":{\"content\":\"<span class=\\\"uk-text-primary\\\">6.<\\\/span> Integraci\\u00f3n del IoT en la banca\",\"margin_remove_bottom\":true,\"title_element\":\"h2\",\"title_style\":\"h3\"},\"name\":\"Integrating IoT into Banking\"},{\"type\":\"text\",\"props\":{\"column_breakpoint\":\"m\",\"content\":\"El IoT podr\\u00eda proporcionar flujos de datos continuos para modelos de riesgo de cr\\u00e9dito, ofreciendo evaluaciones de riesgo m\\u00e1s precisas y personalizadas.\\n\",\"margin\":\"default\",\"margin_remove_top\":true}},{\"type\":\"panel\",\"props\":{\"content\":\"\n\n<p>Se proyecta que el mercado de IoT en servicios financieros alcance los <a href=\\\"https:\\\/\\\/www.verifiedmarketresearch.com\\\/product\\\/iot-in-banking-and-financial-services-market\\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">$30,925 millones para 2030.<\\\/a><\\\/p>\",\"content_align\":true,\"content_column_breakpoint\":\"m\",\"content_style\":\"h4\",\"icon\":\"\",\"icon_width\":80,\"image\":\"wp-content\\\/uploads\\\/2024\\\/05\\\/icon-fintech-BLU.svg\",\"image_align\":\"left\",\"image_grid_breakpoint\":\"m\",\"image_grid_column_gap\":\"small\",\"image_grid_row_gap\":\"small\",\"image_grid_width\":\"auto\",\"image_loading\":true,\"image_svg_color\":\"emphasis\",\"image_vertical_align\":true,\"image_width\":80,\"link_style\":\"default\",\"link_text\":\"Read more\",\"margin\":\"default\",\"meta_align\":\"below-title\",\"meta_element\":\"div\",\"meta_style\":\"text-meta\",\"panel_padding\":\"small\",\"title_align\":\"top\",\"title_element\":\"h3\",\"title_grid_breakpoint\":\"m\",\"title_grid_width\":\"1-2\",\"title_hover_style\":\"reset\"},\"name\":\"call out: iot in banking\"},{\"type\":\"headline\",\"props\":{\"content\":\"<span class=\\\"uk-text-primary\\\">7.<\\\/span> Ciberseguridad: adelant\\u00e1ndose a las amenazas\",\"margin_remove_bottom\":true,\"title_element\":\"h2\",\"title_style\":\"h3\"},\"name\":\"Cybersecurity: Staying Ahead of Threats\"},{\"type\":\"text\",\"props\":{\"column_breakpoint\":\"m\",\"content\":\"El uso creciente de tecnolog\\u00edas digitales aumenta los riesgos de ciberseguridad, haciendo cr\\u00edticas las medidas de seguridad avanzadas y predictivas.\",\"margin\":\"default\",\"margin_remove_top\":true}},{\"type\":\"panel\",\"props\":{\"content\":\"\n\n<p>Las instituciones financieras son el segundo sector m\\u00e1s afectado por violaciones de datos.\\n<\\\/p>\",\"content_align\":true,\"content_column_breakpoint\":\"m\",\"content_style\":\"h4\",\"icon\":\"\",\"icon_width\":80,\"image\":\"wp-content\\\/uploads\\\/2024\\\/05\\\/icon-fraud-BLU.svg\",\"image_align\":\"left\",\"image_grid_breakpoint\":\"m\",\"image_grid_column_gap\":\"small\",\"image_grid_row_gap\":\"small\",\"image_grid_width\":\"auto\",\"image_loading\":true,\"image_svg_color\":\"emphasis\",\"image_vertical_align\":true,\"image_width\":80,\"link_style\":\"default\",\"link_text\":\"Read more\",\"margin\":\"default\",\"meta_align\":\"below-title\",\"meta_element\":\"div\",\"meta_style\":\"text-meta\",\"panel_padding\":\"small\",\"title_align\":\"top\",\"title_element\":\"h3\",\"title_grid_breakpoint\":\"m\",\"title_grid_width\":\"1-2\",\"title_hover_style\":\"reset\"},\"name\":\"call out: Financial institutions\"},{\"type\":\"headline\",\"props\":{\"content\":\"<span class=\\\"uk-text-primary\\\">8.<\\\/span> Pr\\u00e9stamos sostenibles e impacto social\",\"margin_remove_bottom\":true,\"title_element\":\"h2\",\"title_style\":\"h3\"},\"name\":\"Sustainable and Social Impact Lending\"},{\"type\":\"text\",\"props\":{\"column_breakpoint\":\"m\",\"content\":\"La gobernanza ambiental y social (ESG) est\\u00e1 impulsando a las instituciones financieras a adoptar pr\\u00e1cticas m\\u00e1s responsables y sostenibles.\\n\",\"margin\":\"default\",\"margin_remove_top\":true}},{\"type\":\"panel\",\"props\":{\"content\":\"\n\n<p>La emisi\\u00f3n de productos financieros sostenibles alcanz\\u00f3 <a href=\\\"https:\\\/\\\/think.ing.com\\\/articles\\\/big-swings-in-2023-but-global-sustainable-finance-remains-in-rude-health\\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">$717 mil millones<\\\/a> en la primera mitad de 2023.<\\\/p>\",\"content_align\":true,\"content_column_breakpoint\":\"m\",\"content_style\":\"h4\",\"icon\":\"\",\"icon_width\":80,\"image\":\"wp-content\\\/uploads\\\/2024\\\/05\\\/icon-bnpl-BLU.svg\",\"image_align\":\"left\",\"image_grid_breakpoint\":\"m\",\"image_grid_column_gap\":\"small\",\"image_grid_row_gap\":\"small\",\"image_grid_width\":\"auto\",\"image_loading\":true,\"image_svg_color\":\"emphasis\",\"image_vertical_align\":true,\"image_width\":80,\"link_style\":\"default\",\"link_text\":\"Read more\",\"margin\":\"default\",\"meta_align\":\"below-title\",\"meta_element\":\"div\",\"meta_style\":\"text-meta\",\"panel_padding\":\"small\",\"title_align\":\"top\",\"title_element\":\"h3\",\"title_grid_breakpoint\":\"m\",\"title_grid_width\":\"1-2\",\"title_hover_style\":\"reset\"},\"name\":\"call out: Global sustainable\"},{\"type\":\"headline\",\"props\":{\"content\":\"<span class=\\\"uk-text-primary\\\">9.<\\\/span> Desarrollos regulatorios y \\u00e9ticos\",\"margin_remove_bottom\":true,\"title_element\":\"h2\",\"title_style\":\"h3\"},\"name\":\"9. The Impact of Regulatory and Ethical Developments\"},{\"type\":\"text\",\"props\":{\"column_breakpoint\":\"m\",\"content\":\"El crecimiento de la tecnolog\\u00eda requiere marcos regulatorios robustos que garanticen un uso \\u00e9tico y responsable, protegiendo la privacidad y evitando sesgos en algoritmos de IA.\\n\",\"margin\":\"default\",\"margin_remove_top\":true}},{\"type\":\"panel\",\"props\":{\"content\":\"\n\n<p>Gartner prev\\u00e9 que para 2024, <a href=\\\"https:\\\/\\\/www.gartner.com\\\/en\\\/newsroom\\\/press-releases\\\/2022-05-31-gartner-identifies-top-five-trends-in-privacy-through-2024\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">el 75% de la poblaci\\u00f3n mundial<\\\/a> estar\\u00e1 protegida por regulaciones modernas de privacidad.<\\\/p>\",\"content_align\":true,\"content_column_breakpoint\":\"m\",\"content_style\":\"h4\",\"icon\":\"\",\"icon_width\":80,\"image\":\"wp-content\\\/uploads\\\/2024\\\/06\\\/icon-security-BLU.svg\",\"image_align\":\"left\",\"image_grid_breakpoint\":\"m\",\"image_grid_column_gap\":\"small\",\"image_grid_row_gap\":\"small\",\"image_grid_width\":\"auto\",\"image_loading\":true,\"image_svg_color\":\"emphasis\",\"image_vertical_align\":true,\"image_width\":80,\"link_style\":\"default\",\"link_text\":\"Read more\",\"margin\":\"default\",\"meta_align\":\"below-title\",\"meta_element\":\"div\",\"meta_style\":\"text-meta\",\"panel_padding\":\"small\",\"title_align\":\"top\",\"title_element\":\"h3\",\"title_grid_breakpoint\":\"m\",\"title_grid_width\":\"1-2\",\"title_hover_style\":\"reset\"},\"name\":\"call out: security\"},{\"type\":\"headline\",\"props\":{\"content\":\"<span class=\\\"uk-text-primary\\\">10.<\\\/span> Verificaci\\u00f3n de identidad\",\"margin_remove_bottom\":true,\"title_element\":\"h2\",\"title_style\":\"h3\"},\"name\":\"10. Identity Verification\"},{\"type\":\"text\",\"props\":{\"column_breakpoint\":\"m\",\"content\":\"La verificaci\\u00f3n de identidad se ha transformado en los \\u00faltimos a\\u00f1os y continuar\\u00e1 evolucionando, permitiendo m\\u00e9todos m\\u00e1s inclusivos y seguros.\\n\",\"margin\":\"default\",\"margin_remove_top\":true}},{\"type\":\"panel\",\"props\":{\"content\":\"\n\n<p>Europa Occidental y Asia-Pac\\u00edfico podr\\u00edan <a href=\\\"https:\\\/\\\/www.juniperresearch.com\\\/resources\\\/infographics\\\/digital-id-verification-market-statistics-2023\\\/#:~:text=Our%20latest%20digital%20identity%20verification,to%20grow%20further%20by%202028.\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">representar el 50% del gasto <\\\/a> en verificaci\\u00f3n digital de identidad para 2028.<\\\/p>\",\"content_align\":true,\"content_column_breakpoint\":\"m\",\"content_style\":\"h4\",\"icon\":\"\",\"icon_width\":80,\"image\":\"wp-content\\\/uploads\\\/2024\\\/06\\\/icon-face-BLU.svg\",\"image_align\":\"left\",\"image_grid_breakpoint\":\"m\",\"image_grid_column_gap\":\"small\",\"image_grid_row_gap\":\"small\",\"image_grid_width\":\"auto\",\"image_loading\":true,\"image_svg_color\":\"emphasis\",\"image_vertical_align\":true,\"image_width\":80,\"link_style\":\"default\",\"link_text\":\"Read more\",\"margin\":\"default\",\"meta_align\":\"below-title\",\"meta_element\":\"div\",\"meta_style\":\"text-meta\",\"panel_padding\":\"small\",\"title_align\":\"top\",\"title_element\":\"h3\",\"title_grid_breakpoint\":\"m\",\"title_grid_width\":\"1-2\",\"title_hover_style\":\"reset\"},\"name\":\"call out: digital id\"},{\"type\":\"headline\",\"props\":{\"content\":\"Innovaci\\u00f3n futura y experiencia del cliente\",\"margin_remove_bottom\":false,\"margin_remove_top\":true,\"title_color\":\"primary\",\"title_element\":\"div\",\"title_style\":\"h2\"},\"name\":\"Future Innovation and The Customer Experience\"},{\"type\":\"text\",\"props\":{\"column_breakpoint\":\"m\",\"content\":\"La tecnolog\\u00eda continuar\\u00e1 transformando la operaci\\u00f3n de las instituciones financieras, impulsando la personalizaci\\u00f3n y la rapidez de respuesta.\\n\",\"margin\":\"default\",\"margin_remove_top\":true}},{\"type\":\"panel\",\"props\":{\"content\":\"\n\n<p>La personalizaci\\u00f3n a gran escala puede generar un aumento de ingresos del <a href=\\\"https:\\\/\\\/www.google.com\\\/url?q=https:\\\/\\\/www.bcg.com\\\/publications\\\/2019\\\/what-does-personalization-banking-really-mean&amp;sa=D&amp;source=docs&amp;ust=1719413800948274&amp;usg=AOvVaw1RUPfAEPbqM7BLfdA0T3c5\\\" target=\\\"_blank\\\" rel=\\\"noopener\\\">10% anual en la banca.<\\\/a><\\\/p>\",\"content_align\":true,\"content_column_breakpoint\":\"m\",\"content_style\":\"h4\",\"icon\":\"\",\"icon_width\":80,\"image\":\"wp-content\\\/uploads\\\/2024\\\/06\\\/icon-scale-BLU.svg\",\"image_align\":\"left\",\"image_grid_breakpoint\":\"m\",\"image_grid_column_gap\":\"small\",\"image_grid_row_gap\":\"small\",\"image_grid_width\":\"auto\",\"image_loading\":true,\"image_svg_color\":\"emphasis\",\"image_vertical_align\":false,\"image_width\":80,\"link_style\":\"default\",\"link_text\":\"Read more\",\"margin\":\"default\",\"meta_align\":\"below-title\",\"meta_element\":\"div\",\"meta_style\":\"text-meta\",\"title_align\":\"top\",\"title_element\":\"h3\",\"title_grid_breakpoint\":\"m\",\"title_grid_width\":\"1-2\",\"title_hover_style\":\"reset\"},\"name\":\"call out: done well\"}]},{\"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\":\"\\u00bfListo para liderar el futuro de los servicios financieros?\",\"text_align\":\"center\",\"title_color\":\"success\",\"title_element\":\"h3\",\"title_style\":\"h3\"}},{\"type\":\"headline\",\"props\":{\"content\":\"Cont\\u00e1ctanos hoy y descubre nuestras soluciones avanzadas de toma de 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