{"id":32529,"date":"2016-10-24T20:48:00","date_gmt":"2016-10-24T20:48:00","guid":{"rendered":"https:\/\/www.capgemini.com\/ar-es\/?p=32529"},"modified":"2025-03-28T10:22:03","modified_gmt":"2025-03-28T10:22:03","slug":"pagos-puede-la-regulacion-impulsar-la-innovacion","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/ar-es\/insights\/expert-perspectives\/pagos-puede-la-regulacion-impulsar-la-innovacion\/","title":{"rendered":"Pagos: \u00bfpuede la regulaci\u00f3n impulsar la innovaci\u00f3n?"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<header class=\"wp-block-cg-blocks-hero-blogs header-hero-blogs\"><div class=\"container\"><div class=\"hero-blogs\"><div class=\"hero-blogs-content-wrapper\"><div class=\"row\"><div class=\"col-12\"><div class=\"header-title\"><h1>Pagos: \u00bfpuede la regulaci\u00f3n impulsar la innovaci\u00f3n?<\/h1><\/div><\/div><\/div><\/div><div class=\"hero-blogs-bottom\"><div class=\"header-author\"><div class=\"author-img\"><img decoding=\"async\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/cg-logo.png?w=200&amp;quality=10\" alt=\"\" loading=\"lazy\"\/><\/div><div class=\"author-name-date\"><h5 class=\"author-name\">Capgemini<\/h5><h5 class=\"blog-date\">2016-10-24<\/h5><\/div><\/div><div class=\"brand-image\"> <\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/ar-es\/?p=32529\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/ar-es\/?p=32529&amp;text=\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https:\/\/www.capgemini.com\/ar-es\/?p=32529&amp;text=\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<p>Tradicionalmente la regulaci\u00f3n en la industria de pagos ha tenido como principales objetivos la protecci\u00f3n al consumidor, el aumento de la competencia en el mercado, la reducci\u00f3n del riesgo y la estandarizaci\u00f3n de los instrumentos de pagos. Pero en los \u00faltimos a\u00f1os, cada vez vemos m\u00e1s ejemplos de regulaciones con un alto potencial transformador del mercado, y los reguladores incluyen espec\u00edficamente el impulso de la innovaci\u00f3n como uno sus objetivos.<\/p>\n\n\n\n<p>La banca y los proveedores de servicios de pagos se encuentran ante un entorno regulador de complejidad creciente; una industria global pero con normas locales en las geograf\u00edas en las que prestan sus servicios; un mercado regulado por diferentes agentes en diferentes \u00e1mbitos (protecci\u00f3n de datos, protecci\u00f3n del consumidor, competencia, etc.) con objetivos no siempre alineados que pueden terminar limitando el potencial transformador de las iniciativas que buscan fomentar la competencia dentro del mercado de pagos. A esto se suma en ocasiones la falta de reglamentos claros, obligando a los agentes a buscar acuerdos entre ellos antes las m\u00faltiples interpretaciones que pueda tener una misma normativa.<\/p>\n\n\n\n<p>Este entorno complejo convierte el uso de la tecnolog\u00eda en la principal herramienta de cumplimiento para bancos y otros proveedores de servicios de pagos, que se ven obligados a invertir &nbsp;grandes cantidades de recursos en la mejora de sus sistemas y la adecuaci\u00f3n de sus procesos. El problema es que, muchas veces, <strong>el esfuerzo que supone el cumplimiento viene acompa\u00f1ado de la sensaci\u00f3n de no obtener un claro retorno<\/strong>, no ya econ\u00f3mico, sino en t\u00e9rminos de mejora en el servicio y experiencia de los usuarios.<\/p>\n\n\n\n<p>Pero entonces, ante este contexto de complejidad, altos costes de cumplimiento y limitado retorno para el usuario, <strong>\u00bfpuede la regulaci\u00f3n realmente impulsar la innovaci\u00f3n?<\/strong><\/p>\n\n\n\n<p>Algunos ejemplos recientes de iniciativas que buscan impulsar la innovaci\u00f3n son el <em>Open API Banking Framework<\/em> en Reino Unido, cuyo objetivo es la definici\u00f3n de un est\u00e1ndar para el intercambio de informaci\u00f3n sobre clientes o sobre el mercado mediante APIs abiertas; el <em>Australian Payments Plan<\/em>, que busca mejorar y fomentar el uso de medios de pago digitales en Australia; o la legislaci\u00f3n aprobada en los pa\u00edses n\u00f3rdicos encaminada a reducir el uso de dinero en efectivo.<\/p>\n\n\n\n<p>Si nos centramos en las directivas que impactan al mercado espa\u00f1ol, sin duda la regulaci\u00f3n con mayor potencial transformador es la <strong>Directiva de Servicios de Pago 2 (PSD2)<\/strong> que, entre otros aspectos, introduce la obligaci\u00f3n a la Banca de permitir el acceso a las cuentas de sus clientes a otros proveedores de servicios de pagos.<\/p>\n\n\n\n<p>La PSD2 es un buen ejemplo de iniciativa regulatoria que proporciona las herramientas necesarias para la creaci\u00f3n de nuevos productos y servicios basados en el uso de la tecnolog\u00eda y el intercambio de informaci\u00f3n. Se puede argumentar que el mero hecho de proporcionar esas herramientas no supone innovaci\u00f3n de por s\u00ed, y la banca siempre podr\u00eda optar por un enfoque de cumplimiento m\u00ednimo, limit\u00e1ndose a implementar las APIs necesarias para compartir la informaci\u00f3n m\u00ednima posible de sus clientes. Por ello, adem\u00e1s de proporcionar las herramientas para la innovaci\u00f3n, la regulaci\u00f3n tiene que impulsar la adopci\u00f3n de las mismas mediante alg\u00fan mecanismo de incentivo. En el caso de la PSD2 el incentivo es en realidad el aumento de la competencia, al establecer como uno de sus principales objetivos el acceso de nuevos agentes al mercado en igualdad de condiciones con los existentes.<\/p>\n\n\n\n<p>Por tanto, la regulaci\u00f3n s\u00ed puede y debe servir como mecanismo para impulsar la innovaci\u00f3n. Parte de la banca y agentes tradicionales ya est\u00e1n enfocando el cumplimiento normativo desde un punto de vista hol\u00edstico, que busca en las soluciones a implementar las oportunidades para la innovaci\u00f3n y la exploraci\u00f3n de nuevos modelos de negocio; y alej\u00e1ndose del enfoque tradicional de mero cumplimiento, en el que ni los bancos obtienen un retorno por la inversi\u00f3n en cumplimiento ni, muchas veces, sus clientes las ventajas que persegu\u00eda el regulador.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":336,"featured_media":32530,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"84497718-c42e-4cd8-bfb0-6f567cf6f245\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"_yoast_wpseo_primary_brand":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","featured_focal_points":""},"categories":[1],"tags":[],"brand":[],"service":[],"industry":[],"partners":[],"blog-topic":[],"content-group":[],"class_list":["post-32529","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- 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