{"id":7468,"date":"2024-02-02T16:46:51","date_gmt":"2024-02-02T08:46:51","guid":{"rendered":"https:\/\/www.moneythor.com\/?p=7468"},"modified":"2024-03-04T20:06:58","modified_gmt":"2024-03-04T12:06:58","slug":"que-es-la-banca-abierta","status":"publish","type":"post","link":"https:\/\/www.moneythor.com\/es\/tecnologia\/banca-digital\/que-es-la-banca-abierta\/","title":{"rendered":"\u00bfQu\u00e9 es Open Banking?"},"content":{"rendered":"<p>La banca abierta implica el intercambio seguro de datos y servicios financieros con terceros a trav\u00e9s de API abiertas. Esta colaboraci\u00f3n implica el intercambio de datos con proveedores externos (TPP), lo que impulsa la innovaci\u00f3n dentro de la industria de servicios financieros. Para los clientes, significa que pueden decidir compartir sus datos bancarios con partes externas para ayudar a agregar datos de m\u00faltiples cuentas en un solo lugar. Tanto las instituciones establecidas como los actores emergentes est\u00e1n aprovechando este enfoque abierto para impulsar el progreso en una industria que ha enfrentado desaf\u00edos para mantener el ritmo de la digitalizaci\u00f3n observada en otros sectores.<\/p>\n\t<div id=\"text-314860683\" class=\"text\">\n\t\t\n<h2><span data-text-color=\"secondary\"><strong>\u00bfC\u00f3mo funciona la banca abierta en todo el mundo?<\/strong><\/span><\/h2>\n\t\t\n<style>\n#text-314860683 {\n  font-size: 0.85rem;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row align-middle\"  id=\"row-1597281048\">\n\n\t<div id=\"col-1183958111\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n<p>de europa <a href=\"https:\/\/www.bbva.com\/en\/everything-need-know-psd2\/\">PSD2<\/a> La regulaci\u00f3n y el Est\u00e1ndar de Banca Abierta del Reino Unido, a menudo se consideran el comienzo de la Banca Abierta. Desde entonces, el panorama ha evolucionado y las iniciativas de Banca Abierta se est\u00e1n volviendo comunes a nivel mundial, cada una de las cuales se adapta a los mercados y objetivos de pol\u00edticas locales e incluso se extiende a enfoques intersectoriales m\u00e1s all\u00e1 de las finanzas.<\/p>\n<p>Fuera de la Uni\u00f3n Europea, las estrategias de Open Banking se pueden clasificar en t\u00e9rminos generales en enfoques impulsados por el mercado o impulsados por la regulaci\u00f3n. En pa\u00edses como India, Jap\u00f3n, Singapur y Corea del Sur, las autoridades est\u00e1n implementando medidas para fomentar el intercambio de datos en la banca. La Autoridad Monetaria de Singapur (MAS) ha publicado un Manual de API para facilitar el intercambio de datos entre bancos y FinTechs, mientras que la Agencia de Servicios Financieros (FSA) de Jap\u00f3n ha ordenado la autorizaci\u00f3n del TPP, exigiendo a los bancos que publiquen pol\u00edticas de API Abiertas. De manera similar, Australia y Hong Kong han optado por un enfoque impulsado por la reglamentaci\u00f3n. La Autoridad Monetaria de Hong Kong introdujo un marco API abierto, que describe una implementaci\u00f3n gradual para los bancos. Australia <a href=\"https:\/\/www.cdr.gov.au\/resources\/guides\/consumer-data-right-legislation\">Ley de derechos de datos del consumidor<\/a> (CDR) adopta una postura \u00fanica, al ser una iniciativa de pol\u00edtica de datos y no \u00fanicamente de servicios financieros. El CDR se extiende m\u00e1s all\u00e1 de la banca a sectores como la energ\u00eda y las telecomunicaciones.<\/p>\n<p>Estados Unidos ha adoptado un enfoque impulsado por el mercado, y los principales bancos reconocen la importancia estrat\u00e9gica de la Banca Abierta. A pesar de la falta de iniciativas gubernamentales importantes, los bancos est\u00e1n desarrollando ofertas basadas en API a trav\u00e9s de asociaciones con terceros.<\/p>\n<p>\u00a0<\/p>\n\t<div id=\"text-733388713\" class=\"text\">\n\t\t\n<h2><span data-text-color=\"secondary\"><strong>\u00bfCu\u00e1les son los beneficios de la Banca Abierta?<\/strong><\/span><\/h2>\n\t\t\n<style>\n#text-733388713 {\n  font-size: 0.85rem;\n}\n<\/style>\n\t<\/div>\n\t\n<h3><span data-text-color=\"primary\"><strong>Para clientes:<\/strong><\/span><\/h3>\n<ol>\n<li><strong>Informaci\u00f3n agregada en un solo lugar<\/strong><\/li>\n<\/ol>\n<p>Open Banking permite a los clientes consolidar su informaci\u00f3n financiera de varias cuentas e instituciones en un solo lugar, a menudo a trav\u00e9s de una \u00fanica aplicaci\u00f3n o plataforma. Esto proporciona una visi\u00f3n integral de su salud financiera, lo que facilita la gesti\u00f3n de presupuestos, el seguimiento de gastos y la planificaci\u00f3n para el futuro.<\/p>\n<ol start=\"2\">\n<li><strong>Acceso a una gama m\u00e1s amplia de servicios financieros.<\/strong><\/li>\n<\/ol>\n<p>Con Open Banking, los clientes obtienen acceso a una gama ampliada de productos y servicios financieros. Al aprovechar las colaboraciones entre instituciones financieras y proveedores de servicios fintech, los clientes pueden descubrir soluciones mejor alineadas con sus necesidades, incluidas \u00e1reas como gesti\u00f3n presupuestaria, inversiones, pr\u00e9stamos y seguros.<\/p>\n<h3><span data-text-color=\"primary\"><strong>Para bancos:<\/strong><\/span><\/h3>\n<ol>\n<li><strong>Acceso a informaci\u00f3n adicional sobre los clientes<\/strong><\/li>\n<\/ol>\n<p>Con Open Banking, los bancos pueden acceder a un conjunto m\u00e1s amplio de datos de clientes, m\u00e1s all\u00e1 de lo que tradicionalmente est\u00e1 disponible a trav\u00e9s de sus propios canales. Esta visi\u00f3n integral permite a los bancos comprender mejor el comportamiento, las preferencias y las necesidades financieras de los clientes. Esta informaci\u00f3n basada en datos es \u00fatil para personalizar los servicios y mejorar las relaciones con los clientes.<\/p>\n<ol start=\"2\">\n<li><strong>Oportunidad de realizar ventas cruzadas o adicionales seg\u00fan el comportamiento de otras cuentas<\/strong><\/li>\n<\/ol>\n<p>Open Banking permite a los bancos analizar los datos de las transacciones de sus clientes en varias cuentas, proporcionando informaci\u00f3n sobre los patrones de gasto y el comportamiento financiero. Esta informaci\u00f3n se puede aprovechar para ofrecer productos financieros espec\u00edficos y relevantes, lo que generar\u00e1 oportunidades efectivas de venta cruzada y de ventas adicionales. Por ejemplo, un banco podr\u00eda sugerir una tarjeta de cr\u00e9dito m\u00e1s adecuada en funci\u00f3n de los h\u00e1bitos de gasto del cliente.<\/p>\n<ol start=\"3\">\n<li><strong>Cuando se implementa correctamente, los bancos pueden utilizar la Banca Abierta como un PVU que ayuda a impulsar la rentabilidad.<\/strong><\/li>\n<\/ol>\n<p>Cuando se implementa correctamente, la Banca Abierta puede convertirse en un PVU para los bancos. Ofrecer un ecosistema financiero integral y f\u00e1cil de usar que integre servicios de terceros puede atraer y retener clientes. La capacidad de brindar soluciones innovadoras y una experiencia bancaria fluida puede resultar en una mayor lealtad de los clientes, atraer nuevos clientes y, en \u00faltima instancia, impulsar la rentabilidad del banco.<\/p>\n\t<div id=\"text-1654506320\" class=\"text\">\n\t\t\n<h2><span data-text-color=\"secondary\"><strong>Conclusi\u00f3n<\/strong><\/span><\/h2>\n\t\t\n<style>\n#text-1654506320 {\n  font-size: 0.85rem;\n}\n<\/style>\n\t<\/div>\n\t\n<p>Las iniciativas de Banca Abierta se encuentran en distintas etapas de implementaci\u00f3n en todos los mercados, y es necesario que tanto las empresas como los reguladores hagan m\u00e1s para mejorar la conciencia de los consumidores y lograr escala. Esto es cierto incluso en mercados como el Reino Unido, donde las regulaciones de Open Banking ya est\u00e1n plenamente establecidas.<\/p>\n<p>El <a href=\"https:\/\/www.moneythor.com\/es\/solution\/monetizar-la-oportunidad-de-la-banca-abierta\/\">plataforma moneythor<\/a>, a trav\u00e9s del procesamiento de datos de Open Banking obtenidos con el consentimiento del cliente de varias instituciones financieras, permite a los bancos digitales crear experiencias personalizadas. Estas experiencias ofrecen a los clientes una visi\u00f3n profunda de sus finanzas y, al mismo tiempo, brindan a las instituciones financieras la oportunidad de mejorar sus campa\u00f1as de marketing. A medida que la banca abierta gana en adopci\u00f3n generalizada, la plataforma Moneythor pretende empoderar a los consumidores, permiti\u00e9ndoles tomar el control de sus finanzas y tomar decisiones m\u00e1s informadas.<\/p>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n<\/div>\n\t<div id=\"text-3319380134\" class=\"text\">\n\t\t\n<h2 style=\"text-align: center;\"><span data-text-color=\"secondary\"><strong>Descubra m\u00e1s sobre la Banca Abierta<\/strong><\/span><\/h2>\n\t\t\n<style>\n#text-3319380134 {\n  font-size: 0.85rem;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"is-divider divider clearfix\" style=\"margin-top:0.5em;margin-bottom:0.5em;max-width:0px;height:4px;background-color:rgb(242, 192, 40);\"><\/div>\n<div class=\"row\"  id=\"row-1169623111\">\n\n\t<div id=\"col-932266832\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" >\n\t\t\t<a href=\"https:\/\/www.moneythor.com\/es\/2020\/09\/02\/banca-abierta-global-2-0\/?utm_source=blog&#038;utm_medium=organic&#038;utm_campaign=open_banking_dbd\" >\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1200\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/3.png\" class=\"attachment- size-\" alt=\"3\" srcset=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/3.png 1000w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/3-500x600.png 500w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/3-853x1024.png 853w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/3-768x922.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/a>\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n<p>Lea nuestra gu\u00eda sobre c\u00f3mo se ha desarrollado la Banca Abierta a nivel mundial<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-334556575\" class=\"col medium-6 small-12 large-6\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\t<div class=\"box has-hover   has-hover box-text-bottom\" >\n\n\t\t<div class=\"box-image\" >\n\t\t\t<a href=\"https:\/\/www.moneythor.com\/es\/2020\/04\/08\/como-puede-la-banca-abierta-ayudar-a-los-bancos-a-atender-al-mercado-de-las-pyme\/?utm_source=blog&#038;utm_medium=organic&#038;utm_campaign=open_banking_dbd\" >\t\t\t<div class=\"\" >\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1200\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/4.png\" class=\"attachment- size-\" alt=\"4\" srcset=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/4.png 1000w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/4-500x600.png 500w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/4-853x1024.png 853w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/4-768x922.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/a>\t\t<\/div>\n\n\t\t<div class=\"box-text text-center\" >\n\t\t\t<div class=\"box-text-inner\">\n\t\t\t\t\n<p>Lea m\u00e1s sobre c\u00f3mo la Banca Abierta puede ayudar a los bancos a atender al mercado de las PYME<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\t\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-334556575 > .col-inner {\n  margin: 0px 0px -34px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n<\/div>\n<div class=\"is-divider divider clearfix\" style=\"margin-top:3.0em;margin-bottom:3.0em;max-width:0px;height:0px;background-color:rgb(242, 192, 40);\"><\/div>\n\t<div class=\"img has-hover sg-popup-id-8342 x md-x lg-x y md-y lg-y\" id=\"image_583055024\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1020\" height=\"299\" src=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING.png\" class=\"attachment-large size-large\" alt=\"Suscr\u00edbete al bolet\u00edn de Moneythor\" srcset=\"https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING.png 1024w, https:\/\/www.moneythor.com\/wp-content\/uploads\/2024\/02\/Article-CTA-NEW-BRANDING-768x225.png 768w\" sizes=\"auto, (max-width: 1020px) 100vw, 1020px\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_583055024 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Open Banking involves the secure sharing of financial data and services with third parties through open APIs. This collaboration involves the exchange of data with third-party providers (TPP), fuelling innovation within the financial services industry. For customers, it means that they can decide to share their banking data with external parties to help aggregate data [&#8230;]\n","protected":false},"author":11,"featured_media":8402,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[279,64],"tags":[],"class_list":["post-7468","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-digital-banking"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is Open Banking?<\/title>\n<meta name=\"description\" content=\"Discover more on Open Banking, how it has developed globally and how it can benefit both banks and it&#039;s customers\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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