{"id":913,"date":"2023-08-29T10:43:40","date_gmt":"2023-08-29T10:43:40","guid":{"rendered":"https:\/\/www.provenir.com\/spanish\/?p=913"},"modified":"2026-05-14T09:52:23","modified_gmt":"2026-05-14T09:52:23","slug":"evolucionando-con-bnpl","status":"publish","type":"post","link":"https:\/\/www.provenir.com\/es\/evolucionando-con-bnpl\/","title":{"rendered":"El Cambio Hacia La Rentabilidad: Evolucionando Con BNPL"},"content":{"rendered":"<h1><span class=\"uk-text-primary\">El Cambio Hacia La Rentabilidad:<\/span> Evolucionando Con BNPL<\/h1>\n<div>\n<p><a href=\"https:\/\/provenir.com\/es\/industrias\/compra-ahora-paga-despues\/\">Comprar Ahora<\/a>, Pagar Despu\u00e9s (BNPL) ha recorrido un largo camino desde que revolucion\u00f3 el comercio electr\u00f3nico en pleno apogeo de la pandemia. Si bien en alg\u00fan momento fue el ni\u00f1o prodigio de la innovaci\u00f3n fintech, ha surgido una reacci\u00f3n en contra de los pr\u00e9stamos en el punto de venta. Los proveedores de BNPL ya no pueden permitirse adquirir clientes a cualquier costo; es hora de cambiar las estrategias y virar hacia la rentabilidad.<\/p>\n<p>Explora c\u00f3mo puedes hacer que tu tecnolog\u00eda BNPL sea a prueba de los cambios que vienen en el futuro y construir una estrategia sostenible que sobrevivir\u00e1 a las pr\u00f3ximas regulaciones, se mantendr\u00e1 al ritmo de los mercados cambiantes y reflejar\u00e1 las condiciones econ\u00f3micas, todo con una precisi\u00f3n inquebrantable.<\/p>\n<\/div>\n<p><img decoding=\"async\" src=\"\/es\/wp-content\/uploads\/sites\/5\/2024\/08\/El-cambio-hacia-la-rentabilidad-evolucionando-con-bnpl.jpg\" alt=\"\"><\/p>\n<div><strong>CLICK TO ENLARGE<\/strong><\/div>\n<div>\n<p>    [flippingbook width=\u00bb100%\u00bb height=\u00bb1900px\u00bb ratio=\u00bb1:2&#8243; title=\u00bbProvenir Overview\u00bb https:\/\/online.flippingbook.com\/view\/621489615 \/flippingbook]\n<\/p><\/div>\n<div>\u00a1Lee el eBook para empezar!<\/div>\n<div>\n<p>    <iframe loading=\"lazy\" id=\"provForm\" src=\"https:\/\/go.provenir.com\/l\/730213\/2023-10-02\/9p465x\" width=\"100%\" height=\"500\" type=\"text\/html\" frameborder=\"0\" allowTransparency=\"true\" style=\"border: 0\"><\/iframe><\/p>\n<style>\n<p>@media only screen and (min-width: 1300px)  {.headingTwo, h1.bannerHeading {<br \/>\n    font-size: 50px;<br \/>\n    max-width: 810px;<br \/>\n}<\/p>\n<p>.single-collateral h1 {<br \/>\n    margin-bottom: 30px;<br \/>\n}<\/p>\n<p>.floatingImg {<br \/>\n    position: absolute;<br \/>\n    top: -245px;<br \/>\n    right: 15%;<br \/>\n}} <\/p>\n<p>@media only screen and (min-width: 1700px) and (max-width: 2500px)  {.floatingImg {<br \/>\n    position: absolute;<br \/>\n    top: -245px;<br \/>\n    right: 20% !important;<br \/>\n}}<\/p>\n<style>\n<\/div>\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-e68a4deod5\"><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=\"38029\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/chartis-research-nombra-a-provenir-como-lider-global\/\" 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=\"1200\" height=\"627\" src=\"https:\/\/www.provenir.com\/es\/wp-content\/uploads\/sites\/5\/2025\/04\/250120-Chartis-Report-web-featureIMG-1200x627-GL_EN-43077.jpg\" class=\"pt-cv-thumbnail img-rounded skip-lazy \" alt=\"chartis report\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/es\/chartis-research-nombra-a-provenir-como-lider-global\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Chartis Research Nom...<\/a><\/h4>\n<div class=\"pt-cv-content\">Informe Chartis Research Nombra a Provenir Como L\u00edder Global Cr\u00e9dito y Fraude: Una Visi\u00f3n Hol\u00edstica de la Gesti\u00f3n de Riesgos ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/chartis-research-nombra-a-provenir-como-lider-global\/\" 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=\"37927\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/como-los-telcos-pueden-aumentar-ingresos-y-reducir-riesgos\/\" 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=\"1200\" height=\"627\" src=\"https:\/\/www.provenir.com\/es\/wp-content\/uploads\/sites\/5\/2025\/03\/250123-EBOOK-telco-web-featureIMG-1200x627-GL_EN-41758.jpg\" class=\"pt-cv-thumbnail img-rounded skip-lazy \" alt=\"C\u00f3mo los Telcos pueden aumentar ingresos y reducir riesgos\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/es\/como-los-telcos-pueden-aumentar-ingresos-y-reducir-riesgos\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">C\u00f3mo los Telcos pued...<\/a><\/h4>\n<div class=\"pt-cv-content\">Con\u00e9ctate con el \u00e9xito: C\u00f3mo los Telcos pueden aumentar ingresos y reducir riesgos Impulsando el valor del suscriptor y minimizando ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/como-los-telcos-pueden-aumentar-ingresos-y-reducir-riesgos\/\" 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=\"940\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/incorporacion-de-negocios-y-kyc\/\" 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\/incorporacion-de-negocios-y-kyc\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Onboarding de comerc...<\/a><\/h4>\n<div class=\"pt-cv-content\">La velocidad es clave en el onboarding de comerciantes. Descubre c\u00f3mo equilibrar velocidad, compliance y gesti\u00f3n de riesgo en este ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/incorporacion-de-negocios-y-kyc\/\" 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=\"841\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/atencion-a-la-brecha-la-necesidad-de-prestamos-rapidos-y-accesibles-para-pymes\/\" 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\/atencion-a-la-brecha-la-necesidad-de-prestamos-rapidos-y-accesibles-para-pymes\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Atenci\u00f3n a la brecha...<\/a><\/h4>\n<div class=\"pt-cv-content\">Atenci\u00f3n a la brecha: La necesidad de pr\u00e9stamos r\u00e1pidos y accesibles para PYMEs Las peque\u00f1as y medianas empresas (PYMEs) son ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/atencion-a-la-brecha-la-necesidad-de-prestamos-rapidos-y-accesibles-para-pymes\/\" 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=\"915\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/guia-del-comprador-de-plataformas-de-toma-de-decisiones-sobre-riesgos-mas-alla-del-onboarding\/\" 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\/guia-del-comprador-de-plataformas-de-toma-de-decisiones-sobre-riesgos-mas-alla-del-onboarding\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Gu\u00eda del Comprador d...<\/a><\/h4>\n<div class=\"pt-cv-content\">\u00bfTe sientes abrumado por el panorama de las plataformas de toma de decisiones en riesgos crediticios? Nuestra gu\u00eda completa te ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/guia-del-comprador-de-plataformas-de-toma-de-decisiones-sobre-riesgos-mas-alla-del-onboarding\/\" 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=\"913\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/evolucionando-con-bnpl\/\" 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 decoding=\"async\" width=\"200\" src=\"\/es\/wp-content\/uploads\/sites\/5\/2024\/08\/El-cambio-hacia-la-rentabilidad-evolucionando-con-bnpl.jpg\" class=\"pt-cv-thumbnail img-rounded cvp-substitute skip-lazy \" alt=\"El Cambio Hacia La Rentabilidad: Evolucionando Con BNPL\" title=\"\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/es\/evolucionando-con-bnpl\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">El Cambio Hacia La R...<\/a><\/h4>\n<div class=\"pt-cv-content\">Explora c\u00f3mo puedes hacer que tu tecnolog\u00eda BNPL sea a prueba de los cambios que vienen en el futuro y ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/evolucionando-con-bnpl\/\" 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=\"866\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/el-secreto-del-exito-en-los-creditos-de-consumo\/\" 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\/el-secreto-del-exito-en-los-creditos-de-consumo\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">El secreto del \u00e9xito...<\/a><\/h4>\n<div class=\"pt-cv-content\">Explora c\u00f3mo puedes convertir los desaf\u00edos en oportunidades en los principales cinco casos de uso: autom\u00f3viles, hipotecas, comercio minorista o ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/el-secreto-del-exito-en-los-creditos-de-consumo\/\" 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=\"867\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/es\/el-cambiante-panorama-economico-su-impacto-en-los-servicios-financieros\/\" 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\/el-cambiante-panorama-economico-su-impacto-en-los-servicios-financieros\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">El cambiante panoram...<\/a><\/h4>\n<div class=\"pt-cv-content\">Lee el mini e-book para ver lo que el experto en Am\u00e9rica Latina Jos\u00e9 Vargas (EVP Am\u00e9rica Latina) observa sobre ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/es\/el-cambiante-panorama-economico-su-impacto-en-los-servicios-financieros\/\" 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><\/div><\/div><\/div>\t\t\t<style type=\"text\/css\" id=\"pt-cv-inline-style-c9e68c5s3m\">#pt-cv-view-e68a4deod5 .pt-cv-content-item { padding-top: 20px !important; 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Si bien en alg\u00fan momento fue el ni\u00f1o prodigio de la innovaci\u00f3n fintech, ha surgido una reacci\u00f3n en contra de los pr\u00e9stamos en el punto de venta. 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