{"id":29156,"date":"2018-11-06T00:00:00","date_gmt":"2018-11-05T23:00:00","guid":{"rendered":"https:\/\/aeb.workingdemos.es\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/"},"modified":"2026-02-23T11:20:59","modified_gmt":"2026-02-23T10:20:59","slug":"el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario","status":"publish","type":"blog-aeb","link":"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/","title":{"rendered":"El impacto de la transformaci\u00f3n digital sobre el modelo de negocio bancario"},"content":{"rendered":"<p>&#8220;La digitalizaci\u00f3n ofrece grandes oportunidades a los bancos y sus clientes. Por suerte, Espa\u00f1a cuenta con un sistema bancario avanzado en tecnolog\u00eda que quiere ser l\u00edder en innovaci\u00f3n aplicada a las finanzas (fintech). En este escenario, es necesario adaptar la regulaci\u00f3n y la supervisi\u00f3n bancarias con agilidad y con un enfoque innovador que proporcione seguridad, privacidad y protecci\u00f3n al usuario de servicios financieros&#8221;. As\u00ed lo asegur\u00f3 nuestro presidente, Jos\u00e9 Mar\u00eda Rold\u00e1n, en la IX Jornada sobre el Sector Bancario Espa\u00f1ol organizada por el Instituto de investigaci\u00f3n econ\u00f3mica IVIE. Aqu\u00ed puedes consultar su presentaci\u00f3n.<\/p>\n<p><strong>Jos\u00e9 Mar\u00eda Rold\u00e1n, presidente de la Asociaci\u00f3n Espa\u00f1ola de Banca<\/strong><\/p>\n<p><a href=\"https:\/\/aeb.workingdemos.es\/wp-content\/uploads\/2018\/11\/conferencia-en-la-ix-jornada-sobre-el-sector-bancario-espaol.-ivie.-valencia-2018.pdf\">Descargar la presentaci\u00f3n<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La digitalizaci\u00f3n ofrece grandes oportunidades a los bancos y sus clientes. Por suerte, Espa\u00f1a cuenta con un sistema bancario avanzado en tecnolog\u00eda que quiere ser l\u00edder en innovaci\u00f3n aplicada a las finanzas (fintech). En este escenario, es necesario adaptar la regulaci\u00f3n y la supervisi\u00f3n bancarias con agilidad y con un enfoque innovador que proporcione seguridad, privacidad y protecci\u00f3n al usuario de servicios financieros.<\/p>\n","protected":false},"featured_media":22258,"parent":0,"template":"","etiquetas":[330,359],"categorias-blog":[118],"class_list":["post-29156","blog-aeb","type-blog-aeb","status-publish","has-post-thumbnail","hentry","etiquetas-aeb","etiquetas-jose-maria-roldan","categorias-blog-presidencia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca\" \/>\n<meta property=\"og:description\" content=\"La digitalizaci\u00f3n ofrece grandes oportunidades a los bancos y sus clientes. Por suerte, Espa\u00f1a cuenta con un sistema bancario avanzado en tecnolog\u00eda que quiere ser l\u00edder en innovaci\u00f3n aplicada a las finanzas (fintech). En este escenario, es necesario adaptar la regulaci\u00f3n y la supervisi\u00f3n bancarias con agilidad y con un enfoque innovador que proporcione seguridad, privacidad y protecci\u00f3n al usuario de servicios financieros.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/\" \/>\n<meta property=\"og:site_name\" content=\"Asociaci\u00f3n Espa\u00f1ola de Banca\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-23T10:20:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/aeb.workingdemos.es\/wp-content\/uploads\/2018\/10\/shutterstock525933919-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1706\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/\",\"url\":\"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/\",\"name\":\"Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca\",\"isPartOf\":{\"@id\":\"https:\/\/aeb.workingdemos.es\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/aeb.workingdemos.es\/wp-content\/uploads\/2018\/10\/shutterstock525933919-scaled.jpg\",\"datePublished\":\"2018-11-05T23:00:00+00:00\",\"dateModified\":\"2026-02-23T10:20:59+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/#primaryimage\",\"url\":\"https:\/\/aeb.workingdemos.es\/wp-content\/uploads\/2018\/10\/shutterstock525933919-scaled.jpg\",\"contentUrl\":\"https:\/\/aeb.workingdemos.es\/wp-content\/uploads\/2018\/10\/shutterstock525933919-scaled.jpg\",\"width\":2560,\"height\":1706},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/aeb.workingdemos.es\/en\/home\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"AEB Informa\",\"item\":\"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"El impacto de la transformaci\u00f3n digital sobre el modelo de negocio bancario\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/aeb.workingdemos.es\/en\/#website\",\"url\":\"https:\/\/aeb.workingdemos.es\/en\/\",\"name\":\"AEB\",\"description\":\"Asociaci\u00f3n Espa\u00f1ola de Banca\",\"publisher\":{\"@id\":\"https:\/\/aeb.workingdemos.es\/en\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/aeb.workingdemos.es\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/aeb.workingdemos.es\/en\/#organization\",\"name\":\"AEB\",\"url\":\"https:\/\/aeb.workingdemos.es\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/aeb.workingdemos.es\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/aeb.workingdemos.es\/wp-content\/uploads\/2025\/07\/LOGO-AEB-menu.svg\",\"contentUrl\":\"https:\/\/aeb.workingdemos.es\/wp-content\/uploads\/2025\/07\/LOGO-AEB-menu.svg\",\"width\":57,\"height\":22,\"caption\":\"AEB\"},\"image\":{\"@id\":\"https:\/\/aeb.workingdemos.es\/en\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/","og_locale":"en_US","og_type":"article","og_title":"Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca","og_description":"La digitalizaci\u00f3n ofrece grandes oportunidades a los bancos y sus clientes. Por suerte, Espa\u00f1a cuenta con un sistema bancario avanzado en tecnolog\u00eda que quiere ser l\u00edder en innovaci\u00f3n aplicada a las finanzas (fintech). En este escenario, es necesario adaptar la regulaci\u00f3n y la supervisi\u00f3n bancarias con agilidad y con un enfoque innovador que proporcione seguridad, privacidad y protecci\u00f3n al usuario de servicios financieros.","og_url":"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/","og_site_name":"Asociaci\u00f3n Espa\u00f1ola de Banca","article_modified_time":"2026-02-23T10:20:59+00:00","og_image":[{"width":2560,"height":1706,"url":"https:\/\/aeb.workingdemos.es\/wp-content\/uploads\/2018\/10\/shutterstock525933919-scaled.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/","url":"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/","name":"Blog AEB - Asociaci\u00f3n Espa\u00f1ola de Banca","isPartOf":{"@id":"https:\/\/aeb.workingdemos.es\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/#primaryimage"},"image":{"@id":"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/#primaryimage"},"thumbnailUrl":"https:\/\/aeb.workingdemos.es\/wp-content\/uploads\/2018\/10\/shutterstock525933919-scaled.jpg","datePublished":"2018-11-05T23:00:00+00:00","dateModified":"2026-02-23T10:20:59+00:00","breadcrumb":{"@id":"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/#primaryimage","url":"https:\/\/aeb.workingdemos.es\/wp-content\/uploads\/2018\/10\/shutterstock525933919-scaled.jpg","contentUrl":"https:\/\/aeb.workingdemos.es\/wp-content\/uploads\/2018\/10\/shutterstock525933919-scaled.jpg","width":2560,"height":1706},{"@type":"BreadcrumbList","@id":"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/el-impacto-de-la-transformacion-digital-sobre-el-modelo-de-negocio-bancario\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/aeb.workingdemos.es\/en\/home\/"},{"@type":"ListItem","position":2,"name":"AEB Informa","item":"https:\/\/aeb.workingdemos.es\/en\/actualidad\/te-interesa\/aeb-informa\/"},{"@type":"ListItem","position":3,"name":"El impacto de la transformaci\u00f3n digital sobre el modelo de negocio bancario"}]},{"@type":"WebSite","@id":"https:\/\/aeb.workingdemos.es\/en\/#website","url":"https:\/\/aeb.workingdemos.es\/en\/","name":"AEB","description":"Asociaci\u00f3n Espa\u00f1ola de Banca","publisher":{"@id":"https:\/\/aeb.workingdemos.es\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/aeb.workingdemos.es\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/aeb.workingdemos.es\/en\/#organization","name":"AEB","url":"https:\/\/aeb.workingdemos.es\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/aeb.workingdemos.es\/en\/#\/schema\/logo\/image\/","url":"https:\/\/aeb.workingdemos.es\/wp-content\/uploads\/2025\/07\/LOGO-AEB-menu.svg","contentUrl":"https:\/\/aeb.workingdemos.es\/wp-content\/uploads\/2025\/07\/LOGO-AEB-menu.svg","width":57,"height":22,"caption":"AEB"},"image":{"@id":"https:\/\/aeb.workingdemos.es\/en\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/aeb.workingdemos.es\/en\/wp-json\/wp\/v2\/blog-aeb\/29156","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aeb.workingdemos.es\/en\/wp-json\/wp\/v2\/blog-aeb"}],"about":[{"href":"https:\/\/aeb.workingdemos.es\/en\/wp-json\/wp\/v2\/types\/blog-aeb"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aeb.workingdemos.es\/en\/wp-json\/wp\/v2\/media\/22258"}],"wp:attachment":[{"href":"https:\/\/aeb.workingdemos.es\/en\/wp-json\/wp\/v2\/media?parent=29156"}],"wp:term":[{"taxonomy":"etiquetas","embeddable":true,"href":"https:\/\/aeb.workingdemos.es\/en\/wp-json\/wp\/v2\/etiquetas?post=29156"},{"taxonomy":"categorias-blog","embeddable":true,"href":"https:\/\/aeb.workingdemos.es\/en\/wp-json\/wp\/v2\/categorias-blog?post=29156"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}