{"id":989002,"date":"2021-04-06T00:00:00","date_gmt":"2021-04-06T05:00:00","guid":{"rendered":"https:\/\/cgestiona.com\/?p=989002"},"modified":"2026-05-15T00:12:19","modified_gmt":"2026-05-15T05:12:19","slug":"que-son-las-fintechs-y-como-afectan-en-el-futuro-del-peru","status":"publish","type":"post","link":"https:\/\/cgestiona.com\/en\/que-son-las-fintechs-y-como-afectan-en-el-futuro-del-peru\/","title":{"rendered":"\u00bfQu\u00e9 son las fintechs y c\u00f3mo afectan en el futuro del Per\u00fa?"},"content":{"rendered":"
\n

Uno de los valores principales de las fintechs es que sus servicios son menos costosos y m\u00e1s eficientes que los que ofrece la banca tradicional.<\/p>\n

Desde hace algunos a\u00f1os se ha popularizado el t\u00e9rmino \u201cfintech\u201d y, actualmente, es una realidad en el Per\u00fa. De hecho, algunos expertos aseguran que son el futuro de los negocios. Para entender de qu\u00e9 se trata esta evoluci\u00f3n que compromete el futuro de las empresas, es importante conocer el origen de la palabra.<\/p>\n

El t\u00e9rmino fintech proviene de \u201cFinance technology\u201d y engloba a todas aquellas empresas que ofrecen productos y servicios financieros a trav\u00e9s de tecnolog\u00edas de informaci\u00f3n y comunicaci\u00f3n. Esta digitalizaci\u00f3n de la banca puede darse a trav\u00e9s de p\u00e1ginas web, redes sociales y aplicativos m\u00f3viles.<\/p>\n

El principal valor de las fintechs, adem\u00e1s de la digitalizaci\u00f3n, es que sus servicios son menos costosos y m\u00e1s eficientes que los que ofrece la banca tradicional.<\/p>\n

Fintech en Per\u00fa<\/p>\n

Las fintechs son consideradas las empresas del futuro y en Per\u00fa no son la excepci\u00f3n. En el pa\u00eds tienen una gran oportunidad de asumir el papel de liderazgo en el sector financiero durante la fase de recuperaci\u00f3n de los efectos negativos de la pandemia.<\/p>\n

Esta oportunidad aumenta exponencialmente con el r\u00e1pido avance de la tecnolog\u00eda de la informaci\u00f3n en el pa\u00eds. Personas naturales y peque\u00f1as empresas ya han dado el paso a la digitalizaci\u00f3n. Esto, seg\u00fan el Banco Mundial, podr\u00eda desbloquear $ 100 billones en valor para las empresas y la sociedad en general durante la pr\u00f3xima d\u00e9cada.<\/p>\n

Para que las fintechs puedan crecer y mantenerse en el mercado peruano, es necesario que:<\/p>\n

Incursionen en nuevos mercados.<\/p>\n

Obtengan una mejor informaci\u00f3n (data) sobre el sector.<\/p>\n

Tengan un correcto manejo de riesgos.<\/p>\n

Generen confianza con sus consumidores.<\/p>\n

Protejan a sus usuarios, y a la misma organizaci\u00f3n, del fraude.<\/p>\n

Tengan capital de inversi\u00f3n.<\/p>\n

Definitivamente, la crisis que trajo la pandemia por covid-19 ha acelerado la digitalizaci\u00f3n en todo el mundo, consolidando nuevas alternativas de negocio y posicionando a la fintechs como una gran opci\u00f3n para mantenerse operativo en el sector. Esto otorga mayor relevancia al desarrollo tecnol\u00f3gico nacional para transformar el sector financiero.<\/p>\n

+ PALABRAS: 327<\/p>\n

Fintech, empresas, sector financiero, digitalizaci\u00f3n<\/p>\n

El principal valor de las fintechs es que sus servicios son menos costosos y m\u00e1s eficientes que los que ofrece la banca tradicional.<\/p>\n

Las fintechs, seg\u00fan el Banco Mundial, podr\u00edan desbloquear $ 100 billones en valor para las empresas y la sociedad en general durante la pr\u00f3xima d\u00e9cada.<\/p>\n<\/div>\n

<\/p>","protected":false},"excerpt":{"rendered":"

Uno de los valores principales de las fintechs es que sus servicios son menos costosos y m\u00e1s eficientes que los que ofrece la banca tradicional.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[52],"tags":[56,53,42],"class_list":["post-989002","post","type-post","status-publish","format-standard","hentry","category-actualidad","tag-56","tag-actualidad","tag-peru"],"yoast_head":"\n\u00bfQu\u00e9 son las fintechs y c\u00f3mo afectan en el futuro del Per\u00fa?<\/title>\n<meta name=\"description\" content=\"Uno de los valores principales de las fintechs es que sus servicios son menos costosos y m\u00e1s eficientes que los que ofrece la banca tradicional.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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