{"id":574260,"date":"2025-07-10T11:41:12","date_gmt":"2025-07-10T09:41:12","guid":{"rendered":"https:\/\/www.capgemini.com\/es-es\/?post_type=client-story&#038;p=574260"},"modified":"2025-07-10T11:41:30","modified_gmt":"2025-07-10T09:41:30","slug":"transforming-credit-decisioning-a-collaborative-approach-to-customer-centric-innovation","status":"publish","type":"client-story","link":"https:\/\/www.capgemini.com\/es-es\/noticias\/casos-de-exito\/transforming-credit-decisioning-a-collaborative-approach-to-customer-centric-innovation\/","title":{"rendered":"Transformando la toma de decisiones sobre cr\u00e9ditos: un enfoque colaborativo para la innovaci\u00f3n centrada en el cliente"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-Bank-client-story-web-banner.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Client story<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Transformando la toma de decisiones sobre cr\u00e9ditos: un enfoque colaborativo para la innovaci\u00f3n centrada en el cliente<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Major-US-bank-client-story-case-study.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><span>Download the case study<\/span><span class=\"type\">790 KB  pdf<\/span><\/a><\/div><\/div><\/div><div class=\"infoWrapper \"><div class=\"row\"><div class=\"col-md-4\"><span class=\"fieldName\">Client: Major U.S. bank<\/span><\/div><div class=\"col-md-4\"><span class=\"fieldName\">Region: North America<\/span><\/div><div class=\"col-md-4\"><span class=\"fieldName\">Industry: Banking and capital markets<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-intro-para undefined section section--intro\"><div class=\"intro-para\"><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\/es-es\/?post_type=client-story&amp;p=574260\" 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-li\"><a href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https:\/\/www.capgemini.com\/es-es\/?post_type=client-story&amp;p=574260\" 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\"><h2 class=\"intro-para-title\">Capgemini y un banco l\u00edder de EE. UU. desarrollaron una nueva plataforma de toma de decisiones crediticias que aument\u00f3 la disponibilidad de cr\u00e9dito en 700 millones de d\u00f3lares, redujo la exposici\u00f3n a alto riesgo en 200 millones de d\u00f3lares y disminuy\u00f3 el tiempo de procesamiento en un 50 %.<\/h2><p class=\"intro-para-content\"><strong>Reto del cliente<\/strong>: Un banco nacional con sede en EE. UU. buscaba reducir la duplicaci\u00f3n de esfuerzos, mejorar la gesti\u00f3n de riesgos, optimizar la toma de decisiones y facilitar la toma de decisiones crediticias.<br><strong>Soluci\u00f3n<\/strong>: Capgemini desarroll\u00f3 una nueva plataforma de toma de decisiones crediticias que integra datos, optimiza procesos, reduce riesgos y permite tomar decisiones crediticias precisas y en tiempo real para mejorar la eficiencia y la atenci\u00f3n al cliente en todas las operaciones del banco.<br><strong>Beneficios<\/strong>: <\/p><ul class=\"box-list\"><li>Aumento proactivo del cr\u00e9dito disponible en las cuentas objetivo en 700 millones de d\u00f3lares.<\/li><li>Reducci\u00f3n de la exposici\u00f3n al cr\u00e9dito de alto riesgo en 200 millones de d\u00f3lares.<\/li><li>Mejora de la gesti\u00f3n de cuentas de alto riesgo, reduciendo el tiempo de procesamiento en un 50 %.<\/li><\/ul><\/div><\/div><\/div><\/div><\/section>\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-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-abordar-los-desafios-de-la-evaluacion-de-la-solvencia\">Abordar los desaf\u00edos de la evaluaci\u00f3n de la solvencia <\/h2>\n\n\n\n<p>Un importante banco con sede en EE. UU. se enfrentaba a importantes desaf\u00edos en la evaluaci\u00f3n de la solvencia, una funci\u00f3n crucial para sus operaciones. El banco depend\u00eda de m\u00faltiples soluciones personalizadas implementadas en todas sus l\u00edneas de negocio (LOB). Esta falta de una plataforma de c\u00e1lculo centralizada imped\u00eda a la empresa ser m\u00e1s eficiente, abordar eficazmente el riesgo y reducir los costes.<\/p>\n\n\n\n<p>El banco prioriz\u00f3 la optimizaci\u00f3n de las operaciones para reducir la duplicaci\u00f3n de esfuerzos, optimizar los controles para optimizar la gesti\u00f3n de riesgos, acelerar la toma de decisiones para aumentar la eficiencia y adoptar una estrategia basada en datos que permitiera tomar mejores decisiones crediticias. Abordar estos problemas aumentar\u00eda su capacidad para brindar una experiencia al cliente de alta calidad y mantenerse competitivo en un panorama financiero en constante evoluci\u00f3n.<\/p>\n\n\n\n<p>El banco contrat\u00f3 a Capgemini para liderar esta iniciativa crucial gracias a su profundo conocimiento del sector, su experiencia demostrada en servicios financieros y su s\u00f3lida y s\u00f3lida colaboraci\u00f3n. El objetivo era construir una plataforma de toma de decisiones crediticias que unificara procesos, optimizara la gobernanza y la gesti\u00f3n de riesgos, y ofreciera un enfoque centrado en el cliente basado en an\u00e1lisis avanzados.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-desarrollo-colaborativo-de-una-plataforma-centralizada-de-toma-de-decisiones-crediticias\">Desarrollo colaborativo de una plataforma centralizada de toma de decisiones crediticias<\/h2>\n\n\n\n<p>Capgemini se asoci\u00f3 con el equipo de tecnolog\u00eda del banco para emprender una iniciativa plurianual. El equipo del proyecto se propuso ofrecer capacidades avanzadas como la ingesta de datos, la transformaci\u00f3n, la integraci\u00f3n con FICO para la toma de decisiones y la entrega eficiente de datos.<\/p>\n\n\n\n<p>Mediante un enfoque colaborativo, Capgemini trabaj\u00f3 con el banco para alinear el dise\u00f1o de la plataforma con los requisitos operativos y los objetivos estrat\u00e9gicos de la organizaci\u00f3n. Las funcionalidades clave implementadas incluyen una estrategia proactiva de aumento de l\u00edneas de cr\u00e9dito para optimizar los ajustes, un modelo predictivo para evaluar la probabilidad de impagos, un marco para la gesti\u00f3n eficaz de cuentas de alto riesgo y una estrategia espec\u00edfica para gestionar los casos de cr\u00e9dito sin expansi\u00f3n.<\/p>\n\n\n\n<p>El equipo de Capgemini tambi\u00e9n desempe\u00f1\u00f3 un papel fundamental en la implementaci\u00f3n de un proyecto de punto de venta, que permiti\u00f3 la toma de decisiones en tiempo real para la soluci\u00f3n &#8220;compra ahora, paga despu\u00e9s&#8221; del banco. Para garantizar una integraci\u00f3n perfecta con los sistemas existentes y gestionar las complejidades de los datos en m\u00faltiples LOB, el equipo del proyecto aplic\u00f3 pruebas iterativas y procesos de validaci\u00f3n rigurosos mientras manten\u00eda una comunicaci\u00f3n continua entre las organizaciones asociadas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-impulsando-resultados-medibles-y-transformacion-operativa\">Impulsando resultados medibles y transformaci\u00f3n operativa<\/h2>\n\n\n\n<p>Desde su implementaci\u00f3n, la nueva plataforma de toma de decisiones crediticias ha mejorado significativamente la eficiencia operativa, la gobernanza y la gesti\u00f3n de riesgos, a la vez que ha permitido al banco adoptar un enfoque centrado en el cliente. Entre los logros m\u00e1s destacados se incluyen un aumento de $700 millones en aumentos proactivos de l\u00edneas de cr\u00e9dito, una disminuci\u00f3n de $200 millones en la exposici\u00f3n crediticia de alto riesgo mediante modelos predictivos y una reducci\u00f3n del 50% en el tiempo de procesamiento para la gesti\u00f3n de cuentas de alto riesgo. La implementaci\u00f3n de una estrategia espec\u00edfica para casos de cr\u00e9dito sin expansi\u00f3n ha optimizado a\u00fan m\u00e1s las operaciones y reducido la ineficiencia.<\/p>\n\n\n\n<p>Estos avances no solo han mejorado los procesos internos, sino que tambi\u00e9n han mejorado la experiencia del cliente al permitir decisiones crediticias m\u00e1s r\u00e1pidas y precisas. El banco ahora opera con una plataforma que fomenta la toma de decisiones centralizada en m\u00faltiples l\u00edneas de negocio, eliminando los silos y reduciendo la duplicaci\u00f3n de esfuerzos.<\/p>\n\n\n\n<p>De cara al futuro, el banco planea aprovechar este \u00e9xito ampliando la presencia de la plataforma. En 2025, se implementar\u00e1 para respaldar la toma de decisiones crediticias para hipotecas y pr\u00e9stamos para autom\u00f3viles, ampliando a\u00fan m\u00e1s su impacto en toda la organizaci\u00f3n. Con el apoyo continuo de Capgemini, el banco est\u00e1 bien posicionado para sostener y acelerar estas mejoras, impulsando el valor a largo plazo y fortaleciendo su ventaja competitiva en el sector de servicios financieros.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n<section class=\"section latestStoriesBlock \"><div class=\"container\"><div class=\"contentTitle\"><h2 class=\"story-heading\">Otros casos de \u00e9xito<\/h2><\/div><div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-4 col-lg-8\">\n\t\t\t\t\t\t<div class=\"storyBox \">\n\t\t\t\t\t\t\t<div class=\"imageWrapper focused-image-container\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.capgemini.com\/news\/client-stories\/security-banks-seamless-payments-experience-supports-90-growth-in-instant-payments\/\" aria-label=\"Security Bank\u2019s seamless payments experience supports 90% growth in instant payments\"  tabindex=\"-1\">\n\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Secuirty-Bank-Corporation-client-story-web-banner.jpg?w=1024&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Secuirty-Bank-Corporation-client-story-web-banner.jpg?w=1024&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Secuirty-Bank-Corporation-client-story-web-banner.jpg?w=500&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/07\/Secuirty-Bank-Corporation-client-story-web-banner.jpg\" alt=\"\" style=\"object-position: 0% 0%; object-fit: cover;\" class=\"focused-image\" \/>\n\t\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"storyInfo\">\n\t\t\t\t\t\t\t\t<span class=\"storyTag\">Banking and capital markets<\/span>\n\t\t\t\t\t\t\t\t<a class=\"storyTitle\" href=\"https:\/\/www.capgemini.com\/news\/client-stories\/security-banks-seamless-payments-experience-supports-90-growth-in-instant-payments\/\" aria-label=\"Security Bank\u2019s seamless payments experience supports 90% growth in instant payments\" >\n\t\t\t\t\t\t\t\t\t<h3 class=\"story-subtitle\">Security Bank\u2019s seamless payments experience supports 90% growth in instant payments<\/h3>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<p><\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div><div class=\"col-md-8 col-lg-4\"><div class=\"row\"><div class=\"storyBox btmSpaceThreeStory col-lg-12 col-md-6\">\n\t\t\t\t\t\t<div class=\"imageWrapper focused-image-container\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.capgemini.com\/news\/client-stories\/how-a-leading-financial-services-firm-set-the-stage-for-hyper-personalization\/\"  aria-label=\"How a leading financial services firm set the stage for hyper-personalization\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/02\/Client-story-Banking-and-financial-services-web-Banner_2880x1800.jpg?w=1024&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/02\/Client-story-Banking-and-financial-services-web-Banner_2880x1800.jpg?w=1024&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/02\/Client-story-Banking-and-financial-services-web-Banner_2880x1800.jpg?w=500&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/02\/Client-story-Banking-and-financial-services-web-Banner_2880x1800.jpg\" alt=\"\" style=\"object-position: 0% 0%; object-fit: cover;\" class=\"focused-image\" \/>\n\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"storyInfo\">\n\t\t\t\t\t\t\t<span class=\"storyTag\">Banking and capital markets<\/span>\n\t\t\t\t\t\t\t<a class=\"storyTitle\" href=\"https:\/\/www.capgemini.com\/news\/client-stories\/how-a-leading-financial-services-firm-set-the-stage-for-hyper-personalization\/\"  aria-label=\"How a leading financial services firm set the stage for hyper-personalization\">\n\t\t\t\t\t\t\t\t<h3 class=\"story-subtitle\">How a leading financial services firm set the stage for hyper-personalization<\/h3>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<p><\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div><div class=\"storyBox btmSpaceThreeStory col-lg-12 col-md-6\">\n\t\t\t\t\t\t<div class=\"imageWrapper focused-image-container\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.capgemini.com\/news\/client-stories\/a-leading-bank-becomes-more-customer-centric-with-personalized-offer-management\/\"  aria-label=\"A leading bank becomes more customer-centric with personalized offer management\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/10\/Leading-bank-client-story-web-banner.jpg?w=1024&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/10\/Leading-bank-client-story-web-banner.jpg?w=1024&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/10\/Leading-bank-client-story-web-banner.jpg?w=500&#038;quality=70\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/10\/Leading-bank-client-story-web-banner.jpg\" alt=\"\" style=\"object-position: 0% 0%; object-fit: cover;\" class=\"focused-image\" \/>\n\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"storyInfo\">\n\t\t\t\t\t\t\t<span class=\"storyTag\">Banking and capital markets<\/span>\n\t\t\t\t\t\t\t<a class=\"storyTitle\" href=\"https:\/\/www.capgemini.com\/news\/client-stories\/a-leading-bank-becomes-more-customer-centric-with-personalized-offer-management\/\"  aria-label=\"A leading bank becomes more customer-centric with personalized offer management\">\n\t\t\t\t\t\t\t\t<h3 class=\"story-subtitle\">A leading bank becomes more customer-centric with personalized offer management<\/h3>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<p><\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div><\/div><\/div><\/section>\n\n\n\t\t<section\n\t\t\tclass=\"section section--lifeatcap-learning section--event-slider-careerInvent \">\n\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class='career-invent-header'>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"slider slider-fader 25fba480-63ca-4172-8f81-f70a59ee742a\">\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"slider-list \">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"slide active \">\n\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\tclass=\"slide-bg-wrapper wp-block-cg-blocks-career-invent is-style-sapphire3\">\n\t\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"col-md-6 col-sm-12 box-inner \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"68\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Banca y mercados de capital\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tBanca y mercados de capital\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Los bancos y las empresas de mercados de capital se enfrentan a una disrupci\u00f3n sin precedentes.\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"white-space: pre-wrap;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLos bancos y las empresas de mercados de capital se enfrentan a una disrupci\u00f3n sin precedentes.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\"> <a class=\"more2\" data-maxlength=\"24\" aria-label=\"Read more sobre Banca y mercados de capital\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t tabindex=\"0\" href=\"https:\/\/www.capgemini.com\/es-es\/sectores\/banca-y-mercados-de-capital\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead more\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=1200&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=600&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=1200&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\" \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<source\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=400&amp;quality=90 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp?w=800&amp;quality=90 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\" \/>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" class=\"box-img\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/03\/Capgemini_Industries_Capital-Markets-1.webp\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\" alt=\"\" \/>\n\n\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t\t\t\t\t<!-- <img decoding=\"async\" class=\"box-img\" src=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t<\/section>\n\n\t\t\n\n<section class=\"latest-insights layout-even layout-even-all-purple-cards \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\"><\/h2><\/div><div class=\"layout-two-card cards-normal\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/es-es\/investigacion\/biblioteca-de-investigacion\/informe-mundial-sobre-banca-corporativa-y-de-inversion\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/es-es\/investigacion\/biblioteca-de-investigacion\/informe-mundial-sobre-banca-corporativa-y-de-inversion\/\" aria-label=\"Informe mundial sobre banca corporativa y de inversi\u00f3n\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Capgemini Research Institute<\/div>\n                                <h3 class=\"card-title\">Informe mundial sobre banca corporativa y de inversi\u00f3n<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                            <a href=\"https:\/\/www.capgemini.com\/es-es\/investigacion\/biblioteca-de-investigacion\/principales-tendencias-servicios-financieros-2026\/\" aria-label=\"Principales tendencias de servicios financieros para 2026\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">Principales tendencias de servicios financieros para 2026<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <\/div>\n                    <\/div><div class=\"layout-two-card cards-reversed\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/es-es\/investigacion\/biblioteca-de-investigacion\/world-cloud-report\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2024\/11\/World-Cloud-Report-Web-Page-Banner2880x1800_V1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2024\/11\/World-Cloud-Report-Web-Page-Banner2880x1800_V1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2024\/11\/World-Cloud-Report-Web-Page-Banner2880x1800_V1.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2024\/11\/World-Cloud-Report-Web-Page-Banner2880x1800_V1.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2024\/11\/World-Cloud-Report-Web-Page-Banner2880x1800_V1.jpg?w=800&#038;quality=70 1x, 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cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-md-6 col-lg-4 flex-sm-order-reverse\">\n                            <a href=\"https:\/\/www.capgemini.com\/es-es\/investigacion\/biblioteca-de-investigacion\/informe-mundial-pagos-2026\/\" aria-label=\"Informe Mundial de Pagos 2026\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">Informe Mundial de Pagos 2026<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" 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