{"id":14493,"date":"2021-01-11T00:00:00","date_gmt":"2021-01-11T00:00:00","guid":{"rendered":"https:\/\/cms.alj3.clients.lemonhq.io\/perspectives\/finanzas-preparadas-para-la-transformacion-tecnologica\/"},"modified":"2026-05-13T06:55:28","modified_gmt":"2026-05-13T06:55:28","slug":"finanzas-preparadas-para-la-transformacion-tecnologica","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/finanzas-preparadas-para-la-transformacion-tecnologica\/","title":{"rendered":"Finanzas preparadas para la transformaci\u00f3n tecnol\u00f3gica"},"content":{"rendered":"

With technology evolving at dizzying speeds, the future successes of the financial services<\/a> industry will be dictated by who can capitalize on these changes most quickly and exploit them with maximum impact.\u00a0<\/p>\n

Gone is the image that finance firms used to project: of stolid, august institutions, standing steady against the changing trends of the world around them.<\/p>\n

Instead, today\u2019s financial services businesses must, by necessity, present a more dynamic persona; one nimble enough to meet the fast-changing needs of consumers, while making the most of the latest innovations.<\/p>\n

Technology is both a driver and enabler of this revolution. \u00a0Traditional banks have lost ground \u2013 and custom \u2013 to the Big Tech behemoths: to Apple, Google, Facebook, Microsoft, Amazon and others. \u00a0Similarly, startups have struggled to maintain momentum against these industry titans who, by their very nature, have their finger on the button of . . .\u00a0 well, everything!<\/p>\n

Each of these Big Tech \u2018disruptors\u2019 have proved hyper-responsive to changing patterns of behavior.\u00a0 Each comes ready-equipped with the technology to slip effortlessly into new markets.\u00a0 It\u2019s a formidable proposition for both financial services mainstays and startups alike to counter.<\/p>\n

Understanding this new technological environment, while incorporating its infinite possibilities into existing practices, is vital for navigating the future financial services landscape.\u00a0 Not just for businesses, but for customers, too.\u00a0 The last few years have seen a fundamental reinvention of the way we , as individuals, interact with our finances. \u00a0There have been huge benefits for the customer, but also considerable challenges and opportunities for providers. \u00a0And the tech transformation is only just beginning.<\/p>\n

How innovation will become embedded<\/em><\/h2>\n

If financial services providers don\u2019t adapt quickly enough to changing consumer needs, Big Tech firms categorically will. \u00a0At a consumer level, consider the declining use of ATMs for cash withdrawals or deposits. \u00a0A decade ago, cash was used in six out of 10 transactions, but by 2019 it was used in fewer than three in 10 purchaseshttps:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf
\nhttps:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&IR=T<\/p>\n

https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html
\nhttps:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers.<\/p>\n","protected":false},"featured_media":14473,"menu_order":0,"template":"","class_list":["post-14493","perspectives","type-perspectives","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nFinanzas preparadas para la transformaci\u00f3n tecnol\u00f3gica - Abdul Latif Jameel<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Finanzas preparadas para la transformaci\u00f3n tecnol\u00f3gica - Abdul Latif Jameel\" \/>\n<meta property=\"og:description\" content=\"With technology evolving at dizzying speeds, the future successes of the financial services industry will be dictated by who can capitalize on these changes most quickly and exploit them with maximum impact.\u00a0 Gone is the image that finance firms used to project: of stolid, august institutions, standing steady against the changing trends of the world […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/finanzas-preparadas-para-la-transformacion-tecnologica\/\" \/>\n<meta property=\"og:site_name\" content=\"Abdul Latif Jameel\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-13T06:55:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Financial-technology-transformation.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1281\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta 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minuto"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/finanzas-preparadas-para-la-transformacion-tecnologica\/","url":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/perspectives\/finanzas-preparadas-para-la-transformacion-tecnologica\/","name":"Finanzas preparadas para la transformaci\u00f3n tecnol\u00f3gica - Abdul Latif 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preparadas para la transformaci\u00f3n tecnol\u00f3gica"}]},{"@type":"WebSite","@id":"https:\/\/10.0.2.222\/en\/#website","url":"https:\/\/10.0.2.222\/en\/","name":"Abdul Latif Jameel","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/10.0.2.222\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"}]}},"post-meta-fields":{"_wp_page_template":["default"],"_published_date":["field_6057129b493f5"],"published_date":["20210111"],"_location":["field_601267396ce72"],"location":["Dubai, EAU"],"_featured":["field_601a3b473c5c5"],"featured":["0"],"_footnotes":["field_66fd39afb9383"],"footnotes":["<a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> <a href=\"https:\/\/www.bbc.co.uk\/news\/business-54545830\">Will we be getting our cash from shops, not ATMs? - BBC News<\/a>\r\n\r\n<a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> <a href=\"https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf\">https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf<\/a>\r\n\r\n<a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> <a href=\"https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&IR=T\">https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&IR=T<\/a>\r\n\r\n<a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a>\r\n\r\n<a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers\">https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers<\/a>.\r\n\r\n<a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a>\r\n\r\n<a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a>\r\n\r\n<a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a>\r\n\r\n<a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a>\r\n\r\n<a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> <a href=\"https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/\">https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/<\/a>\r\n\r\n<a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a>\r\n\r\n<a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005\">https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005<\/a>"],"_business_sector":["field_66f6b5bcac8cb"],"business_sector":["Servicios financieros"],"_content_series":["field_66fe3c439f8f6"],"content_series":[""],"_old_post_id":["field_66fe3fd59f8f7"],"old_post_id":["83142"],"_short_title":["field_60925d67125ef"],"short_title":["Finanzas preparadas para la transformaci\u00f3n tecnol\u00f3gica"],"_summary":["field_6019304103a20"],"summary":["<p>La tecnolog\u00eda evoluciona a velocidades vertiginosas, as\u00ed que los futuros \u00e9xitos de la industria de servicios financieros ser\u00e1n para qui\u00e9n pueda capitalizar estos cambios con mayor rapidez y explotarlos con el m\u00e1ximo impacto.<\/p>"],"_mobile_featured_image":["field_66f6b4bee65f3"],"mobile_featured_image":["https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Financial-technology-transformation.jpg"],"_push_notification":["field_66f6b47de65f1"],"push_notification":[""],"_publish_mobile":["field_66f6b491e65f2"],"publish_mobile":["0"],"_status":["field_652694983fe12"],"status":["publish"],"_thumbnail_id":["14473"],"_wpml_word_count":["{\"total\":3011,\"to_translate\":{\"ar\":3011,\"zh-hans\":3011,\"fr\":3011,\"ja\":3011,\"es\":3011,\"tr\":3011}}"],"_last_translation_edit_mode":["native-editor"],"amazonS3_cache":["a:20:{s:75:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/nilufer-gunhan.jpg\";a:2:{s:2:\"id\";s:5:\"17332\";s:11:\"source_type\";s:13:\"media-library\";}s:77:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/nilufer-gunhan.jpg\";a:2:{s:2:\"id\";s:5:\"17332\";s:11:\"source_type\";s:13:\"media-library\";}s:107:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Fintechs-Views-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17339\";s:11:\"source_type\";s:13:\"media-library\";}s:109:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Fintechs-Views-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17339\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:87:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card-1024x576.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:80:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:89:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card-1024x576.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:68:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:76:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech-300x200.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:70:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech-300x200.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:111:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Unlocking-Pathways-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17340\";s:11:\"source_type\";s:13:\"media-library\";}s:113:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Unlocking-Pathways-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17340\";s:11:\"source_type\";s:13:\"media-library\";}s:77:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:85:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security-300x169.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:79:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:87:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security-300x169.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:107:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Global-Venture-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17341\";s:11:\"source_type\";s:13:\"media-library\";}s:109:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Global-Venture-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17341\";s:11:\"source_type\";s:13:\"media-library\";}}"],"content":["<p>La tecnolog\u00eda evoluciona a velocidades vertiginosas, as\u00ed que los futuros \u00e9xitos de la industria de servicios financieros ser\u00e1n para qui\u00e9n pueda capitalizar estos cambios con mayor rapidez y explotarlos con el m\u00e1ximo impacto.<\/p>\r\n<p>Atr\u00e1s qued\u00f3 la imagen que sol\u00edan proyectar las firmas financieras: instituciones impasibles y prestigiosas que se manten\u00edan firmes frente a los cambios del mundo que las rodea.<\/p>\r\n<p>En cambio, las empresas de servicios financieros de hoy est\u00e1n obligadas a presentar una personalidad m\u00e1s din\u00e1mica y lo suficientemente \u00e1gil como para satisfacer las cambiantes necesidades de los consumidores, al mismo tiempo que aprovechan al m\u00e1ximo las \u00faltimas innovaciones.<\/p>\r\n<p>En esta revoluci\u00f3n, la tecnolog\u00eda es tanto un motor como un facilitador. Los bancos tradicionales han perdido terreno (y clientes) frente a los grandes gigantes tecnol\u00f3gicos: Apple, Google, Facebook, Microsoft, Amazon y otros. De manera similar, las startups luchan por mantener su impulso contra los titanes de la industria que, por su propia naturaleza, tienen poder para casi todo.<\/p>\r\n<p>Todos estos revolucionarios gigantes tecnol\u00f3gicos han demostrado ser capaces de adaptarse a los cambios en los patrones de comportamiento. Adem\u00e1s, est\u00e1n equipados con la tecnolog\u00eda necesaria para introducirse sin esfuerzo en nuevos mercados. Por lo tanto, plantean una propuesta formidable para contrarrestar tanto a los servicios financieros cl\u00e1sicos como a las startups.<\/p>\r\n<p>Comprender este nuevo entorno tecnol\u00f3gico, a medida que incorpora sus infinitas posibilidades en las pr\u00e1cticas existentes, es vital para navegar por el panorama futuro de los servicios financieros. No solo para empresas, sino tambi\u00e9n para clientes. Los \u00faltimos a\u00f1os hemos visto una reinvenci\u00f3n fundamental de la forma en que los individuos interactuamos con nuestras finanzas. Esto ha supuesto enormes beneficios para los clientes, pero tambi\u00e9n considerables desaf\u00edos y oportunidades para los proveedores. Y la transformaci\u00f3n tecnol\u00f3gica acaba de empezar.<\/p>\r\n<h3>La innovaci\u00f3n se convertir\u00e1 en algo <em>inherente<\/em><\/h3>\r\n<p>Si los proveedores de servicios financieros no se adaptan lo suficientemente r\u00e1pido a las necesidades cambiantes de los consumidores, los gigantes tecnol\u00f3gicos tomar\u00e1n la delantera. A nivel de consumidor, considere la disminuci\u00f3n del uso de cajeros autom\u00e1ticos para retiradas o dep\u00f3sitos de efectivo. Hace una d\u00e9cada, seis de cada 10\u00a0transacciones eran en efectivo, pero en 2019 solo se pagaron en efectivo menos de tres de cada 10\u00a0compras<a href=\"#_ftn1\""],"_content":[""],"_edit_lock":["1778655225:22"],"_edit_last":["22"],"_ame_cpe_post_policy":["{\"accessProtection\":{\"active\":\"replace\"}}"],"_wpml_media_duplicate":["1"],"_wpml_media_featured":["1"],"_yoast_wpseo_content_score":["90"],"_yoast_wpseo_estimated-reading-time-minutes":["1"]},"_links":{"self":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/wp-json\/wp\/v2\/perspectives\/14493","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/wp-json\/wp\/v2\/perspectives"}],"about":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/wp-json\/wp\/v2\/types\/perspectives"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/wp-json\/wp\/v2\/media\/14473"}],"wp:attachment":[{"href":"https:\/\/cms.alj3.clients.lemonhq.io\/es\/wp-json\/wp\/v2\/media?parent=14493"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}