Coins stacked in a vault tray.

¿Es la banca tradicional inquebrantable?

NUEVA YORK – Hoy en día es rara la industria que no esté en riesgo de ser puesta patas arriba por la tecnología digital. Amazon, después de haber arrasado con librerías, ahora asedia al resto del sector minorista. En el transporte, Uber está dejando atrás a las empresas tradicionales de taxis, mientras Airbnb está socavando los cimientos de la industria hotelera. Paralelamente, los teléfonos inteligentes transforman la forma en la que nos comunicamos y revolucionan la manera en la que encontramos y nos hacemos clientes habituales de las empresas.

Por lo tanto, no es de extrañar que las empresas de servicios financieros y bancarios no estén a salvo de las inmensas transformaciones provocadas por la innovación tecnológica. De hecho, durante la última década, las compañías “startup” digitales han estado penetrando áreas tradicionalmente dominadas por la industria financiera. Sin embargo, existen razones para pensar que el sector financiero demostrará su resiliencia ante estas situaciones.

En la actualidad, se puede enviar dinero al otro lado de un país – o del mundo – simplemente pulsando una aplicación, sin tener que interactuar de ninguna manera con una empresa tradicional de servicios financieros. Si se consideran solamente las remesas de los migrantes, mismas que según estimaciones del Banco Mundial totalizarán $586 mil millones este año, ellas se constituyen en una enorme oportunidad de crecimiento para las empresas que compiten con los bancos en el negocio del traslado del dinero.

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