{"id":5653,"date":"2022-09-29T09:13:56","date_gmt":"2022-09-29T09:13:56","guid":{"rendered":"https:\/\/www.capgemini.com\/?page_id=628578"},"modified":"2026-01-28T12:54:45","modified_gmt":"2026-01-28T11:54:45","slug":"prestamos","status":"publish","type":"page","link":"https:\/\/www.capgemini.com\/es-es\/sectores\/banca-y-mercados-de-capital\/prestamos\/","title":{"rendered":"Pr\u00e9stamos"},"content":{"rendered":"\n<div class=\"wp-block-cg-blocks-hero-picture-card undefined  heroPictureCard\"><div class=\"heroPictureCardBgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Lending_2.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Lending_2.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source 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srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Lending_2.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Lending_2.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Lending_2.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Lending_2.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/12\/Capgemini_Industries_Capital-Markets_Lending_2.jpg\" class=\"mobileImage\" alt=\"\" style=\"object-fit:cover;object-position:48% 41%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-8 col-lg-6\"><div class=\"heroPictureCardBox\"><div class=\"heroPictureCardBoxTitle\"><h1 data-maxlength=\"144\">Pr\u00e9stamos<\/h1><\/div><\/div><\/div><\/div><\/div><div class=\"small-device\"><div class=\"brandLogoWrapper\"> <\/div><\/div><\/div>\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\/sectores\/banca-y-mercados-de-capital\/prestamos\/\" 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\/sectores\/banca-y-mercados-de-capital\/prestamos\/\" 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\">Los entidades de servicios financieros especializadas en pr\u00e9stamos nacidas en la era digital han aumentado las expectativas de los clientes. Sin la carga de tecnolog\u00edas legadas, pueden proporcionar propuestas innovadora y a gran velocidad. Y a las entidades tradicionales les resulta un verdadero desaf\u00edo seguir el ritmo.<\/h2><p class=\"intro-para-content\">Para competir con el entorno macroecon\u00f3mico en constante evoluci\u00f3n, las empresas de pr\u00e9stamos minoristas y comerciales deben reinventar sus modelos de negocio. Te ayudamos a crear una experiencia crediticia perfecta para tus clientes, desde la incorporaci\u00f3n hasta el servicio, mediante la creaci\u00f3n de operaciones digitales \u00e1giles y escalables. Nos aseguramos de que sacar\u00e1s el m\u00e1ximo partido de tus datos, con informaci\u00f3n valiosa que te permitir\u00e1 gestionar el riesgo de forma eficaz y crear soluciones personalizadas para tus clientes.<\/p><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">Qu\u00e9 hacemos<\/h2><\/div><p><\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Procesamiento cognitivo de documentos para pr\u00e9stamos<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Automatiza el procesamiento de documentaci\u00f3n para proporcionar a sus clientes una experiencia de pr\u00e9stamo en tiempo real y sin fricciones.<\/p><\/div><div class=\"expander-content\"><p>El procesamiento de documentos de pr\u00e9stamos, que a menudo se hace manualmente, puede ser costoso y consumir mucho tiempo para los prestamistas.<br><br>El procesamiento cognitivo de documentos de Capgemini es una soluci\u00f3n completamente administrada que clasifica y eval\u00faa documentos de forma r\u00e1pida, segura y a un coste reducido. Est\u00e1 impulsado por algoritmos l\u00edderes en el sector junto con aprendizaje autom\u00e1tico e inteligencia artificial (IA) para mejorar la suscripci\u00f3n de cr\u00e9ditos, la incorporaci\u00f3n de clientes y el servicio.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><a class=\"more2\" aria-label=\"Descarga el folleto link\" href=\"\/wp-content\/uploads\/2021\/09\/Cognitive-Document-Prcoessing-Bankingand-Capmkts-Brochure.pdf\" target=\"_blank\" title=\"Opens in a new window\" rel=\"noopener noreferrer\">Descarga el folleto<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h4>Pr\u00e9stamos de negocio digitales<\/h4><\/div><div class=\"expander-subtitle\"><h5>Facilitamos los cr\u00e9ditos personalizados para tus clientes, a trav\u00e9s de plataformas de servicio y de pr\u00e9stamos de \u00faltima generaci\u00f3n.<\/h5><\/div><div class=\"expander-content\"><p>Los modelos operativos dispares, los procesos manuales, el cambio de clave de datos y la tecnolog\u00eda fragmentada dificultan la entrega de una experiencia crediticia fluida a los clientes comerciales. Adem\u00e1s, la ausencia de una visi\u00f3n \u00fanica del cliente aumenta el riesgo operativo y dificulta la gesti\u00f3n de las carteras de riesgo.<br><br>Te ayudamos a crear soluciones digitales, flujos de trabajo de cr\u00e9dito personalizados, administraci\u00f3n de contenido empresarial y capacidades de informes instant\u00e1neos que abarcan l\u00edneas comerciales.<br><br>Nuestros servicios incluyen el descubrimiento de valor de creaci\u00f3n de pr\u00e9stamos y la implementaci\u00f3n de la plataforma de creaci\u00f3n de pr\u00e9stamos <strong>nCINO<\/strong>.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><a class=\"more2\" aria-label=\"Conoce nCINO link\" href=\"https:\/\/www.ncino.com\/\" target=\"_blank\" title=\"Abrir en una nueva ventana\" rel=\"noopener noreferrer\">Conoce nCINO<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Transformaci\u00f3n de pr\u00e9stamos con Pega<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Ayudamos a las instituciones financieras a replantear sus procesos para garantizar una experiencia crediticia atractiva y personalizada.<\/p><\/div><div class=\"expander-content\"><p>Con la soluci\u00f3n de pr\u00e9stamos de Capgemini y Pega, las organizaciones financieras pueden transformar su proceso de creaci\u00f3n de pr\u00e9stamos en los segmentos minoristas, corporativo e hipotecario. Con una plataforma omnicanal de experiencia del cliente y la gesti\u00f3n din\u00e1mica de casos de Pega con un centro de decisiones crediticias en su centro, las empresas pueden salvar el bienestar financiero de sus clientes al tiempo que brindan una experiencia uniforme y sin inconvenientes en todos los canales.\u00a0<br><br>Nuestros servicios incluyen:<br><br>\u2022 Hoja de ruta de transformaci\u00f3n de la creaci\u00f3n de pr\u00e9stamos y evaluaci\u00f3n de priorizaci\u00f3n<br>\u2022 Redise\u00f1o de reglas de negocios complejos<br>\u2022 Orquestaci\u00f3n de procesos<br>\u2022 Armonizaci\u00f3n de procesos comerciales y reglas en m\u00faltiples entidades<br>\u2022 Renovaci\u00f3n de capacidades heredadas a trav\u00e9s de API y servicios comerciales<br>\u2022 Orquestaci\u00f3n del flujo de trabajo.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><a class=\"more2\" aria-label=\"Descarga nuestro folleto link\" href=\"\/wp-content\/uploads\/2021\/09\/Lending-Transformation-Solution.pdf\" target=\"_blank\" title=\"Opens in a new window\" rel=\"noopener noreferrer\">Descarga nuestro folleto<\/a><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\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\">Investigaci\u00f3n e informes<\/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, 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