{"id":19719,"date":"2020-06-12T00:00:00","date_gmt":"2020-06-12T00:00:00","guid":{"rendered":"https:\/\/www.isdi.education\/mx\/la-pandemia-genera-boom-de-las-fintech\/"},"modified":"2020-06-12T00:00:00","modified_gmt":"2020-06-12T00:00:00","slug":"la-pandemia-genera-boom-de-las-fintech","status":"publish","type":"post","link":"https:\/\/www.isdi.education\/mx\/blog\/la-pandemia-genera-boom-de-las-fintech","title":{"rendered":"La pandemia genera boom de las Fintech"},"content":{"rendered":"
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Por Mauricio Cabrera<\/strong><\/p>\n

La descarga y adopci\u00f3n de aplicaciones financieras<\/strong> se convirti\u00f3 en una prioridad de los usuarios mexicanos durante la pandemia. El crecimiento en su uso, de acuerdo con especialistas, ha sido tan notorio que podr\u00eda representar los \u00edndices\u00a0proyectados inicialmente para 2025, tendencia que se replica en otros sectores como e-commerce<\/strong> e incluso en la utilizaci\u00f3n de los audiolibros, que ante el cierre de librer\u00edas y bibliotecas se convirtieron en una forma de consumir cultura.\u00a0<\/p>\n

\u00bfDe qu\u00e9 tama\u00f1o son las Fintech en M\u00e9xico?\u00a0<\/strong><\/h3>\n
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  • Un reporte generado por Adjust, App Annie y Liftoff, indica que el n\u00famero de descargas de aplicaciones de Fintech<\/strong> creci\u00f3 un 145% entre 2017 y 2019, lo que llev\u00f3 a que se superara la cifra de los 81 millones de downloads tanto para iOS como para Android.<\/li>\n<\/ul>\n
      \n
    • El crecimiento de usuarios activos mensuales en Fintechs es m\u00e1s alto que el de las aplicaciones bancarias. Mientras las primeras marcaron crecimientos del 50%, las aplicaciones bancarias se\u00f1alan un aumento del 35%, aunque el promedio de usuarios de aplicaciones del sistema bancario convencional se mantiene por arriba de las Fintech, como demuestra el top 10 de aplicaciones financieras m\u00e1s utilizadas.<\/li>\n<\/ul>\n
        \n
      • Respecto a la pandemia, la adopci\u00f3n de aplicaciones de Fintech ha estado relacionada con la necesidad que la gente tiene de realizar operaciones a distancia ante las medidas sanitarias. La baja tasa de bancarizaci\u00f3n de las poblaciones latinoamericanas habilita que la adopci\u00f3n de Fintechs, tanto a trav\u00e9s de programas de asistencia como de monederos electr\u00f3nicos, se est\u00e9 consolidando de forma m\u00e1s evidente.<\/li>\n<\/ul>\n
          \n
        • En su conjunto, las m\u00e1s de 515 empresas que operan hoy en el sector Fintech generan un volumen de operaci\u00f3n anual de 68 mil 409 millones de pesos, lo que seg\u00fan reporta un informe desarrollado por Endeavor M\u00e9xico, representa una cifra equiparable a la cartera y activos manejados por un banco comercial.\u00a0<\/li>\n<\/ul>\n

          \u00bfCu\u00e1l\u00a0es la distribuci\u00f3n de las Fintech en M\u00e9xico?<\/strong><\/h3>\n
            \n
          1. Pr\u00e9stamos (20.6%)<\/li>\n
          2. Pagos y Remesas (20.1%)<\/li>\n
          3. Gesti\u00f3n de Finanzas Empresariales (13.2%)<\/li>\n
          4. Gesti\u00f3n de Finanzas Personales (9.9%)<\/li>\n
          5. Tecnolog\u00edas Empresariales para Instituciones Financieras (9.1%)<\/li>\n
          6. Crowdfunding (7.4%)<\/li>\n
          7. Seguros (6.6%)<\/li>\n
          8. Puntaje, Identidad y Fraude (4.1%)<\/li>\n
          9. Bancos Digitales (3.8%)<\/li>\n
          10. Trading y Mercados de Capitales (3.3%)<\/li>\n
          11. Gesti\u00f3n Patrimonial (2.0%)<\/li>\n<\/ol>\n

            A nivel Latinoam\u00e9rica, se estima que hay m\u00e1s de mil 300 empresas en el sector fintech, donde cada vez se registra mayor presencia de players extranjeros. Seg\u00fan este reporte, 88 startups de origen extranjero, 65% de ellas provenientes de Europa y un 31% provenientes de Estados Unidos y Canad\u00e1.\u00a0<\/p>\n<\/div><\/div>\n<\/p><\/div>\n<\/section><\/div>\n","protected":false},"excerpt":{"rendered":"

            Adopci\u00f3n de aplicaciones financieras la nueva prioridad.<\/p>\n","protected":false},"author":1,"featured_media":19718,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[50],"tags":[],"class_list":["post-19719","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tecnologia"],"acf":[],"yoast_head":"\nLa pandemia genera boom de las Fintech<\/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:\/\/www.isdi.education\/mx\/blog\/la-pandemia-genera-boom-de-las-fintech\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La pandemia genera boom de las Fintech\" \/>\n<meta property=\"og:description\" content=\"Adopci\u00f3n de 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