{"id":3953,"date":"2024-10-01T08:13:21","date_gmt":"2024-10-01T06:13:21","guid":{"rendered":"https:\/\/miuniversity.edu\/?p=3953"},"modified":"2025-03-19T09:30:43","modified_gmt":"2025-03-19T08:30:43","slug":"la-disrupcion-del-sector-financiero-ante-las-nuevas-tecnologias","status":"publish","type":"post","link":"https:\/\/miuniversity.edu\/es\/actualidad\/la-disrupcion-del-sector-financiero-ante-las-nuevas-tecnologias\/","title":{"rendered":"La disrupci\u00f3n del sector financiero ante las nuevas tecnolog\u00edas"},"content":{"rendered":"<section id=\"hero-post\" class=\"hero-post\">\n  <picture class=\"hero-post__bg\">\n    <!-- tatamiento horizontal -->\n    <source media=\"(orientation: landscape) and (min-width: 1024px)\" srcset=\"https:\/\/miuniversity.edu\/wp-content\/uploads\/2024\/09\/MIU-Profesorado-cabecera_desktop.jpg\">\n    <!-- tatamiento vertical -->\n    <img decoding=\"async\" class=\"hero-post__img\" src=\"https:\/\/miuniversity.edu\/wp-content\/uploads\/2024\/09\/MIU-profesorado-cabecera_mobile.jpg\" alt=\",\" title=\"\">\n    <noscript>\n      <img decoding=\"async\" src=\"https:\/\/miuniversity.edu\/wp-content\/uploads\/2024\/09\/MIU-Profesorado-cabecera_desktop.jpg\" alt=\",\" title=\"\">\n    <\/noscript>\n  <\/picture>\n  <div id=\"breadcrumbs\" class=\"breadcrumbs\">\n    <p class=\"container\">\n      <span>\n        <span>\n          <a href=\"https:\/\/miuniversity.edu\/es\/\" data-gtm-container=\"breadcrumb\" data-gtm-action=\"navigation\">\n            Home          <\/a>\n        <\/span>\n        &gt;\n        <span class=\"breadcrumb_last\" aria-current=\"page\">\n          <strong>La disrupci\u00f3n del sector financiero ante las nuevas tecnolog\u00edas<\/strong>\n        <\/span>\n      <\/span>\n    <\/p>\n  <\/div>\n  <h1 class=\"hero-post__title\">\n    La disrupci\u00f3n del sector financiero ante las nuevas tecnolog\u00edas  <\/h1>\n  <\/section>\n\n\n<p>Destacamos el blockchain y la inteligencia artificial como dos tecnolog\u00edas que van a provocar cambios radicales en diferentes sectores, incluido el financiero.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cadena de bloques<\/h3>\n\n\n\n<p>Se trata de un conjunto de tecnolog\u00edas que permiten descentralizar la informaci\u00f3n y las transacciones, garantizando la trazabilidad y seguridad, eliminando la figura del agente de control que se encarga de verificar la coherencia y legalidad de la transacci\u00f3n.<\/p>\n\n\n\n<p>Un ejemplo de aplicaci\u00f3n ser\u00edan las criptomonedas, monedas virtuales no reguladas por una autoridad financiera, como Bitcoin o Ether.<\/p>\n\n\n\n<p>El Blockchain tiene un gran potencial de desarrollo a trav\u00e9s de smart contracts, contratos autoejecutables por las dos partes, comprador y vendedor, an\u00f3nimos y sin contrato previo. Los smart contracts est\u00e1n escritos en c\u00f3digo y se verifican por una red an\u00f3nima de nodos que garantizan su ejecuci\u00f3n de forma segura, descentralizada e irreversible, sin la necesidad de una autoridad central o sistema legal que lo certifique.<\/p>\n\n\n\n<p>Este tipo de contratos tendr\u00e1 un alto impacto en el mundo financiero, generando un nuevo modelo de negocio con agentes diferentes, reduciendo los costes operativos al reducir tr\u00e1mites y eliminar la figura del regulador, aumento de la demanda de este tipo de contratos por su sencillez y fiabilidad.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Inteligencia Artificial<\/h3>\n\n\n\n<p>La inteligencia artificial utiliza algoritmos capaces de emular capacidades exclusivas del humano como el aprendizaje o la resoluci\u00f3n de problemas.<\/p>\n\n\n\n<p>La IA se encuentra en fase de desarrollo y tendr\u00e1 un papel vital en la creaci\u00f3n de nuevos modelos de relaci\u00f3n con el cliente modificando los canales habituales de contacto con el cliente y generando nuevos canales y formas de relacionarse.<\/p>\n\n\n\n<p>En los \u00faltimos vivimos una disminuci\u00f3n de la atenci\u00f3n personalizada presencial en oficinas y un incremento del contacto y las operaciones a trav\u00e9s de la banca online. La banca ya utiliza IA en su servicio de atenci\u00f3n al cliente a trav\u00e9s de Chatbots y modelos predictivos de detecci\u00f3n de riesgo para evaluar el nivel de impago de un cliente.<\/p>\n\n\n\n<p>La tendencia apunta un incremento progresivo de la IA en su portfolio de servicios, utilizaci\u00f3n de asistentes virtuales en lugar de asistentes personales, reconocimiento facial, realidad aumentada, bioesc\u00e1ner.<\/p>\n\n\n\n<p>Otra de las aplicaciones de la IA en el sector financiero es la automatizaci\u00f3n de los procesos operativos de los agentes financieros como trading e inversi\u00f3n, an\u00e1lisis de riesgos, detecci\u00f3n del fraude o compliance.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Destacamos el blockchain y la inteligencia artificial como dos tecnolog\u00edas que van a provocar cambios radicales en diferentes sectores, incluido [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":3954,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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