{"id":29091,"date":"2018-01-10T00:00:00","date_gmt":"2018-01-09T23:00:00","guid":{"rendered":"https:\/\/aeb.workingdemos.es\/actualidad\/te-interesa\/aeb-informa\/innovacion-observar-y-aprender\/"},"modified":"2026-02-23T11:18:52","modified_gmt":"2026-02-23T10:18:52","slug":"innovacion-observar-y-aprender","status":"publish","type":"blog-aeb","link":"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/innovacion-observar-y-aprender\/","title":{"rendered":"Innovaci\u00f3n: observar y aprender"},"content":{"rendered":"<p>Los cambios tecnol\u00f3gicos que se est\u00e1n produciendo en el sector financiero son de gran magnitud y de amplio espectro. Uno de los desarrollos tecnol\u00f3gicos con mayor potencial es la tecnolog\u00eda DTL (Distributed Ledger Technology) y su variante <em>blockchain<\/em>, en la que se basan las monedas virtuales como el bitcoin. La industria bancaria, al igual que otras, est\u00e1 explorando el potencial de la tecnolog\u00eda DLT, aunque, por el momento, bajo una perspectiva experimental y no de mercado.<\/p>\n<p>Aunque la tecnolog\u00eda blockchain a\u00fan presenta importantes desaf\u00edos operativos y conceptuales, los bancos est\u00e1n contribuyendo de forma decisiva a su utilizaci\u00f3n futura, tanto de forma directa como en colaboraci\u00f3n con otros socios tecnol\u00f3gicos y empresas de otros sectores. Sus potenciales beneficios son innegables, especialmente para el cliente, que es el centro de la estrategia de los bancos. En el caso de las transacciones financieras donde los clientes demandan mayor valor a\u00f1adido, esta tecnolog\u00eda permitir\u00e1 mayor rapidez y reforzar\u00e1 la seguridad, con un menor coste.<\/p>\n<p>Por otro lado, los bancos observan con atenci\u00f3n la evoluci\u00f3n de las monedas virtuales como el bitcoin. Y aprenden sobre sus debilidades, as\u00ed como de su potencial. En este momento hay numerosas cuestiones sin responder sobre este tipo de activos que deben ser tenidas en cuenta, como la protecci\u00f3n del usuario, su gobernanza, su usabilidad la transparencia, las limitaciones operativas y el riesgo de su utilizaci\u00f3n para transacciones il\u00edcitas. La actividad de los bancos se basa en el concepto de red autorizada que impide el anonimato de los participantes, mientras que la regulaci\u00f3n y supervisi\u00f3n busca un doble objetivo, la protecci\u00f3n del cliente y la estabilidad financiera. El desarrollo actual de las monedas virtuales dista mucho de asegurar ambos objetivos.<\/p>\n<p>En definitiva, para la industria bancaria, lo relevante en este momento es la tecnolog\u00eda que soporta el entorno de <em>blockchain<\/em> y explorar las opciones tecnol\u00f3gicas de cara al futuro. Y es que la innovaci\u00f3n financiera es imparable.<\/p>\n<p>Jos\u00e9 Luis Mart\u00ednez Campuzano, portavoz de la AEB<\/p>\n<p><a href=\"https:\/\/aeb.workingdemos.es\/wp-content\/uploads\/2018\/01\/innovacin.observar-y-.el-independiente.pdf\">Descargar art\u00edculo<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Los bancos exploran el potencial de los cambios tecnol\u00f3gicos que se est\u00e1n produciendo con el objetivo de mejorar la experiencia del cliente de servicios financieros.<\/p>\n","protected":false},"featured_media":21314,"parent":0,"template":"","etiquetas":[330,652,653,300,654],"categorias-blog":[117],"class_list":["post-29091","blog-aeb","type-blog-aeb","status-publish","has-post-thumbnail","hentry","etiquetas-aeb","etiquetas-bitcoin","etiquetas-blockchain","etiquetas-innovacion","etiquetas-portavoz","categorias-blog-portavoz"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Blog AEB - 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