{"id":16777,"date":"2023-06-05T15:35:37","date_gmt":"2023-06-05T15:35:37","guid":{"rendered":"https:\/\/assist.com.co\/?p=16777"},"modified":"2026-02-25T15:19:55","modified_gmt":"2026-02-25T15:19:55","slug":"modernizacion-tecnologica-la-clave-para-transformar-la-industria-financiera","status":"publish","type":"post","link":"https:\/\/assist.com.co\/en\/2023\/06\/05\/modernizacion-tecnologica-la-clave-para-transformar-la-industria-financiera\/","title":{"rendered":"Modernizaci\u00f3n tecnol\u00f3gica, la clave para transformar la industria financiera"},"content":{"rendered":"<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section preset--module--divi-section--default\"><div class=\"et_pb_row_0 et_pb_row et_block_row\"><div class=\"et_pb_column_0 et_pb_column et_pb_column_3_5 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center preset--module--divi-text--4f284fec-88de-49fd-82e8-04ffd19efc18\"><div class=\"et_pb_text_inner\"><p style=\"text-align: left;\"><span style=\"color: #000000; font-size: large;\"><span style=\"font-weight: 400;\">En los \u00faltimos a\u00f1os, el sector financiero ha sido testigo de una <\/span><b>evoluci\u00f3n digital<\/b><span style=\"font-weight: 400;\"> gracias a la implementaci\u00f3n del <\/span><b>Open Banking<\/b><span style=\"font-weight: 400;\">, promoviendo la colaboraci\u00f3n y la integraci\u00f3n entre diferentes actores del sector financiero, generando un impacto significativo en el mercado, lo que resulta en una mayor oferta de productos y servicios adaptados a las necesidades individuales de los consumidores.<\/span><\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400; color: #000000; font-size: large;\">En Colombia, el Open Banking ha ganado terreno e influencia, fomentando la innovaci\u00f3n y la eficiencia en el sector financiero.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"et_pb_column_1 et_pb_column et_pb_column_2_5 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_image_0 et_pb_image et_animated et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/assist.com.co\/wp-content\/uploads\/2023\/06\/open-banking-colombia_Mesa-de-trabajo-1-1.webp\" title=\"open-banking-colombia_Mesa de trabajo 1\" \/><\/span><\/div><\/div><\/div><div class=\"et_pb_row_1 et_pb_row et_block_row\"><div class=\"et_pb_column_2 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center preset--module--divi-text--7197aedd-41aa-45ee-b7ee-7d319375acef\"><div class=\"et_pb_text_inner\"><h1 style=\"text-align: center;\"><span style=\"color: #3366ff;\"><em><strong>Pero... \u00bfQu\u00e9 es el Open Banking?<\/strong><\/em><\/span><\/h1>\n<\/div><\/div><div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center preset--module--divi-text--4f284fec-88de-49fd-82e8-04ffd19efc18\"><div class=\"et_pb_text_inner\"><p style=\"text-align: left;\"><span style=\"color: #000000; font-size: large;\"><span style=\"font-weight: 400;\"><em><strong>El Open Banking<\/strong><\/em> es la apertura de datos que facilita y garantiza la seguridad, confidencialidad, veracidad y circulaci\u00f3n restringida de la informaci\u00f3n financiera entre diferentes empresas, su objetivo principal es que las personas tengan el control sobre sus datos financieros y decidan con qui\u00e9n compartirlos. Mediante la apertura de datos, los usuarios pueden acceder a una amplia gama de servicios, ya sea a trav\u00e9s de los bancos tradicionales o de nuevos modelos de negocio emergentes, como las fintech, lo que promueve una mayor inclusi\u00f3n en el sistema financiero, es decir, una mayor bancarizaci\u00f3n.<\/span><\/span><span style=\"font-weight: 400; color: #000000; font-size: large;\"><\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_row_2 et_pb_row et_block_row\"><div class=\"et_pb_column_3 et_pb_column et_pb_column_2_3 et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_3 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center preset--module--divi-text--7197aedd-41aa-45ee-b7ee-7d319375acef\"><div class=\"et_pb_text_inner\"><h1>\u00bfCu\u00e1l es el impacto en el sector financiero?<\/h1>\n<\/div><\/div><div class=\"et_pb_text_4 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center preset--module--divi-text--4f284fec-88de-49fd-82e8-04ffd19efc18\"><div class=\"et_pb_text_inner\"><p style=\"text-align: left;\"><span style=\"font-size: large; color: #000000;\"><span style=\"font-weight: 400;\">The <\/span><b>Open Banking<\/b><span style=\"font-weight: 400;\"> ha obligado a las instituciones financieras a transformar sus <\/span><b>modelos de negocio,<\/b><span style=\"font-weight: 400;\"> adaptarse y evolucionar, pasar de servicios tradicionales a plataformas abiertas y colaborativas, fomentando la entrada de nuevos actores en el mercado, lo que conduce a una mayor competencia que conlleva a ofrecer productos y servicios innovadores, promoviendo la colaboraci\u00f3n del sector financiero y tecnol\u00f3gico, al generar alianzas estrat\u00e9gicas que mejoran la experiencia del cliente al acceder a la digitalizaci\u00f3n de servicios financieros.<\/span><\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400; font-size: large; color: #000000;\">Busca eliminar las barreras y las desigualdades que existen en el sistema bancario tradicional, (democratizaci\u00f3n financiera), facilitando el acceso a servicios financieros en segmentos de la poblaci\u00f3n que anteriormente estaban excluidos, elevando as\u00ed la inclusi\u00f3n financiera, impulsado la implementaci\u00f3n de est\u00e1ndares de seguridad, lo que ha llevado a un mayor nivel de protecci\u00f3n de los datos.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"et_pb_column_4 et_pb_column et_pb_column_1_3 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_image_1 et_pb_image et_animated et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assist.com.co\/wp-content\/uploads\/2023\/06\/impacto-financiero-02.webp\" width=\"714\" height=\"1377\" srcset=\"https:\/\/assist.com.co\/wp-content\/uploads\/2023\/06\/impacto-financiero-02.webp 714w, https:\/\/assist.com.co\/wp-content\/uploads\/2023\/06\/impacto-financiero-02-480x926.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 714px, 100vw\" class=\"wp-image-16821\" title=\"impacto-financiero\" alt=\"impacto-financiero\" \/><\/span><\/div><\/div><\/div><div class=\"et_pb_row_3 et_pb_row et_block_row\"><div class=\"et_pb_column_5 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_5 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center preset--module--divi-text--7197aedd-41aa-45ee-b7ee-7d319375acef\"><div class=\"et_pb_text_inner\"><h1><span style=\"color: #333399;\">\u00a0\u00bfC\u00f3mo est\u00e1 Colombia frente a estos modelos?<\/span><\/h1>\n<\/div><\/div><div class=\"et_pb_text_6 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center preset--module--divi-text--4f284fec-88de-49fd-82e8-04ffd19efc18\"><div class=\"et_pb_text_inner\"><p style=\"text-align: left;\"><span style=\"font-weight: 400; font-size: large; color: #000000;\">Pese a que sigue existiendo una brecha frente a los pa\u00edses desarrollados en materia de flexibilidad, infraestructura y protecci\u00f3n de\u00a0 datos, Colombia en los \u00faltimos a\u00f1os ha regulado la normatividad impulsando iniciativas que son lideradas por el Banco de la Rep\u00fablica y la Superintendencia Financiera de Colombia.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400; font-size: large; color: #000000;\">Con la expedici\u00f3n del Decreto 1297 de 2022, Colombia se convierte en el tercer pa\u00eds latinoamericano, seguido de Brasil y M\u00e9xico, en permitir el intercambio de informaci\u00f3n de los consumidores financieros entre los diferentes actores (regulados y no regulados) del ecosistema financiero.<\/span><\/p>\n<p style=\"text-align: left;\">\n<\/div><\/div><div class=\"et_pb_image_2 et_pb_image et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assist.com.co\/wp-content\/uploads\/2023\/06\/openbanking-en-colombia-03.webp\" width=\"1617\" height=\"490\" srcset=\"https:\/\/assist.com.co\/wp-content\/uploads\/2023\/06\/openbanking-en-colombia-03.webp 1617w, https:\/\/assist.com.co\/wp-content\/uploads\/2023\/06\/openbanking-en-colombia-03-1280x388.webp 1280w, https:\/\/assist.com.co\/wp-content\/uploads\/2023\/06\/openbanking-en-colombia-03-980x297.webp 980w, https:\/\/assist.com.co\/wp-content\/uploads\/2023\/06\/openbanking-en-colombia-03-480x145.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 1617px, 100vw\" class=\"wp-image-16822\" title=\"openbanking-en-colombia\" alt=\"openbanking-en-colombia\" \/><\/span><\/div><div class=\"et_pb_text_7 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center preset--module--divi-text--4f284fec-88de-49fd-82e8-04ffd19efc18\"><div class=\"et_pb_text_inner\"><p style=\"text-align: left;\"><span style=\"font-size: large; font-family: Arial; font-weight: normal; color: #000000;\">Su impacto ha permitido que varias instituciones financieras y tecnol\u00f3gicas lideren el camino en su implementaci\u00f3n, como referentes tenemos a <strong>Bancolombia<\/strong> y <strong>Davivienda<\/strong> que han logrado casos de \u00e9xito con <strong>Nequi y Daviplata<\/strong> al proporcionar una amplia gama de productos digitales, con opciones de pago a terceros, ahorro y cr\u00e9ditos, sin estar limitados a niveles de ingreso o estatus social, en cambio busca eliminar barreras y ampliar el acceso a estos servicios a trav\u00e9s de enfoques inclusivos, tecnol\u00f3gicos y de educaci\u00f3n financiera.<\/span><br \/><span style=\"font-size: large; font-family: Arial; font-weight: normal; color: #000000;\"> Otra empresa que ha incursionado en el sector financiero es <strong>Rappi<\/strong> que ha adoptado el enfoque del <strong>Open Banking<\/strong> al ofrecer servicios financieros integrados, brindando as\u00ed una experiencia m\u00e1s completa y satisfactoria a sus usuarios.<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class=\"et_pb_row_4 et_pb_row et_block_row et_pb_section_parallax\"><span class=\"et-pb-parallax-wrapper\"><span class=\"et-pb-parallax-background et-pb-parallax-background-module--divi-row-4\" style=\"background-image:url(https:\/\/assist.com.co\/wp-content\/uploads\/2023\/04\/asda-scaled.webp)\"><\/span><\/span><div class=\"et_pb_column_6 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_text_8 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center preset--module--divi-text--7197aedd-41aa-45ee-b7ee-7d319375acef\"><div class=\"et_pb_text_inner\"><h1><span style=\"color: #000080;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assist.com.co\/wp-content\/uploads\/2023\/06\/LOGO-FINAL-ASSIST-2021_hori-300x118.png\" width=\"179\" height=\"70\" alt=\"\" class=\"wp-image-16814 alignnone size-medium\" \/><\/span><span style=\"color: #000080;\">en la industria<\/span><\/h1>\n<\/div><\/div><div class=\"et_pb_divider_0 et_pb_divider et_pb_space et_pb_divider_position_top et_pb_module\"><div class=\"et_pb_divider_internal\"><\/div><\/div><div class=\"et_pb_text_9 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center preset--module--divi-text--4f284fec-88de-49fd-82e8-04ffd19efc18\"><div class=\"et_pb_text_inner\"><p style=\"text-align: left;\"><span style=\"color: #000000; font-size: large;\"><span style=\"font-weight: 400;\">Sabemos que las empresas buscan ser m\u00e1s competitivas y sostenibles en el tiempo y desde <\/span><b>ASSIST<\/b><span style=\"font-weight: 400;\">\u00a0impulsamos soluciones que proporcionan un mayor enfoque para acelerar estos cambios tecnol\u00f3gicos, ofreciendo nuevas formas para desarrollar, implementar y administrar los sistemas y las aplicaciones.<\/span><\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400; color: #000000; font-size: large;\">Con tecnolog\u00edas como las API, la seguridad y la inteligencia artificial, el Open Banking est\u00e1 transformando la forma en la que interactuamos con los servicios financieros, abriendo nuevas oportunidades, mejorando la experiencia del cliente en esta industria.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400; color: #000000; font-size: large;\">Las API son la columna vertebral del Open Banking, ya que permite la comunicaci\u00f3n y el intercambio de datos entre diferentes sistemas, aplicaciones y actores del ecosistema financiero, siempre y cuando cuenten con la autorizaci\u00f3n expresa de sus usuarios y se d\u00e9 estricto cumplimiento a las normas relacionadas con la protecci\u00f3n de datos y habeas data.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400; color: #000000; font-size: large;\">Impulsamos el desarrollo de tecnolog\u00edas de seguridad como la autenticaci\u00f3n de doble factor y cifrado de extremo a extremo, para garantizar la protecci\u00f3n de los datos.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400; color: #000000; font-size: large;\">Y finalmente la Inteligencia Artificial (IA) y Aprendizaje Autom\u00e1tico (Machine Learning) tecnolog\u00edas fundamentales en el an\u00e1lisis de grandes vol\u00famenes de datos financieros, que permiten una mejor comprensi\u00f3n del comportamiento del cliente, sus preferencias y la personalizaci\u00f3n de los servicios financieros.<\/span><\/p>\n<p><span style=\"font-weight: 400; color: #000000; font-size: large;\"><\/span><\/p>\n<p><span style=\"font-size: x-large;\"><em><span style=\"color: #fc0000;\"><b>\u00bfEst\u00e1s preparado para aprovechar las ventajas del Open Banking?<\/b><\/span><\/em><\/span><\/p>\n<\/div><\/div><div class=\"et_pb_icon_0 et_pb_icon et_animated et_pb_module et_block_module\"><span class=\"et_pb_icon_wrap\"><span class=\"et-pb-icon\">;<\/span><\/span><\/div><div class=\"et_pb_module et_pb_button_module_wrapper et_pb_button_0_wrapper\"><a class=\"et_pb_button_0 et_pb_button et_pb_bg_layout_light et_animated et_pb_module et_block_module\" href=\"https:\/\/assist.com.co\/en\/solicitudes\/\">Solicitar un diagn\u00f3stico de modernizaci\u00f3n<\/a><\/div><div class=\"et_pb_text_10 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h1><strong><span style=\"text-decoration: underline;\"><em><span style=\"color: #000000; text-decoration: underline;\">Bibliograf\u00eda<\/span><\/em><\/span><\/strong><\/h1>\n<p><em><span style=\"color: #000000; font-size: large;\">Forbes. (22 de 09 de 2022). https:\/\/forbes.co\/. Obtenido de https:\/\/forbes.co\/2022\/09\/22\/economia-y-finanzas\/el-gol-de-nequi-como-logro-evolucionar-de-billetera-digital-a-compania-de-financiamiento<\/span><\/em><\/p>\n<p><em><span style=\"color: #000000; font-size: large;\">https:\/\/www.larepublica.co\/. (02 de 17 de 2023). Obtenido de La Rep\u00fablica: https:\/\/www.larepublica.co\/finanzas\/en-puntored-hicimos-mas-de-215-millones-de-transacciones-durante-el-ano-pasado-3547862<\/span><\/em><\/p>\n<p><em><span style=\"color: #000000; font-size: large;\">Legales, A. (08 de 01 de 2022). www.asuntoslegales.com.co. Obtenido de https:\/\/www.asuntoslegales.com.co\/consultorio\/decreto-1297-un-paso-mas-hacia-las-finanzas-abiertas-y-un-reto-3413884<\/span><\/em><\/p>\n<p><em><span style=\"color: #000000; font-size: large;\">Semana. (7 de 8 de 2022). https:\/\/www.semana.com\/. Obtenido de https:\/\/www.semana.com\/economia\/empresas\/articulo\/esta-es-la-fintech-que-esta-detras-del-exito-de-billeteras-digitales-como-nequi-y-daviplata\/202226\/<\/span><\/em><\/p>\n<p><span style=\"color: #000000;\">\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[19,18,1],"tags":[],"class_list":["post-16777","post","type-post","status-publish","format-standard","hentry","category-blog","category-noticias","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.2 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Modernizaci\u00f3n tecnol\u00f3gica, la clave para transformar la industria financiera - Assist Consultores<\/title>\n<meta name=\"description\" content=\"El sector financiero ha sido testigo de una evoluci\u00f3n digital gracias a la implementaci\u00f3n del Open Banking, promoviendo la colaboraci\u00f3n y la integraci\u00f3n entre diferentes actores del sector financiero.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/assist.com.co\/en\/2023\/06\/05\/modernizacion-tecnologica-la-clave-para-transformar-la-industria-financiera\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Modernizaci\u00f3n tecnol\u00f3gica, la clave para transformar la industria financiera\" \/>\n<meta property=\"og:description\" content=\"El sector financiero ha sido testigo de una evoluci\u00f3n digital gracias a la implementaci\u00f3n del Open Banking, promoviendo la colaboraci\u00f3n y la integraci\u00f3n entre diferentes actores del sector financiero.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/assist.com.co\/en\/2023\/06\/05\/modernizacion-tecnologica-la-clave-para-transformar-la-industria-financiera\/\" \/>\n<meta property=\"og:site_name\" content=\"Assist Consultores\" \/>\n<meta property=\"article:published_time\" content=\"2023-06-05T15:35:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-25T15:19:55+00:00\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/assist.com.co\\\/2023\\\/06\\\/05\\\/modernizacion-tecnologica-la-clave-para-transformar-la-industria-financiera\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/assist.com.co\\\/2023\\\/06\\\/05\\\/modernizacion-tecnologica-la-clave-para-transformar-la-industria-financiera\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/assist.com.co\\\/#\\\/schema\\\/person\\\/fbee2552fee4649b11fec6a1d78fe2dc\"},\"headline\":\"Modernizaci\u00f3n tecnol\u00f3gica, la clave para transformar la industria financiera\",\"datePublished\":\"2023-06-05T15:35:37+00:00\",\"dateModified\":\"2026-02-25T15:19:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/assist.com.co\\\/2023\\\/06\\\/05\\\/modernizacion-tecnologica-la-clave-para-transformar-la-industria-financiera\\\/\"},\"wordCount\":11,\"commentCount\":0,\"articleSection\":[\"Blog\",\"Noticias\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/assist.com.co\\\/2023\\\/06\\\/05\\\/modernizacion-tecnologica-la-clave-para-transformar-la-industria-financiera\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/assist.com.co\\\/2023\\\/06\\\/05\\\/modernizacion-tecnologica-la-clave-para-transformar-la-industria-financiera\\\/\",\"url\":\"https:\\\/\\\/assist.com.co\\\/2023\\\/06\\\/05\\\/modernizacion-tecnologica-la-clave-para-transformar-la-industria-financiera\\\/\",\"name\":\"Modernizaci\u00f3n tecnol\u00f3gica, la clave para transformar la industria financiera - 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