{"id":20006,"date":"2023-01-17T10:56:16","date_gmt":"2023-01-17T13:56:16","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/uncategorized\/que-es-el-open-banking-y-como-funciona\/"},"modified":"2023-01-17T10:56:16","modified_gmt":"2023-01-17T13:56:16","slug":"que-es-el-open-banking-y-como-funciona","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/que-es-el-open-banking-y-como-funciona\/","title":{"rendered":"\u00a0\u00bfQu\u00e9 es el open banking y c\u00f3mo funciona?"},"content":{"rendered":"\n<p>El avance de la tecnolog\u00eda penetra en todos los sectores e industrias, generando innovaciones para facilitarle la vida a los clientes y usuarios y simplificar procesos. Tambi\u00e9n hay una tendencia hacia la transparencia y la mayor disponibilidad de informaci\u00f3n con los avances tecnol\u00f3gicos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 es el open banking?<\/h2>\n\n\n\n<p>El open banking es un nuevo concepto en el mundo de las finanzas. <strong>Es un modelo que facilita el intercambio de informaci\u00f3n entre todos los tipos de instituciones financieras, a trav\u00e9s de interfaces de programaci\u00f3n de aplicaciones (APIs)<\/strong>. Los bancos tienen la informaci\u00f3n y la comparten con proveedores externos de servicios autorizados. Al compartir est\u00e1 informaci\u00f3n, se puede mejorar el servicio que se brinda al cliente. Permitir el acceso a esos datos genera nuevas oportunidades.<\/p>\n\n\n\n<p><strong>El usuario es el que decide si compartir sus datos o no.<\/strong> Las entidades financieras act\u00faan como protectores de la informaci\u00f3n, pero quien decide en \u00faltima instancia es siempre el usuario.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfEn qu\u00e9 se diferencia de la banca tradicional?<\/h2>\n\n\n\n<p><strong>El open banking genera una mayor interconexi\u00f3n entre las entidades financieras y esto resulta en un mejor servicio para el cliente. <\/strong>En la <a href=\\\"https:\/\/alprestamo.com\/blog\/diferencias-principales-entre-los-bancos-tradicionales-y-las-fintech\/\\\">banca tradicional<\/a>, cada banco act\u00faa por separado, sin compartir la informaci\u00f3n con otras organizaciones.&nbsp;<\/p>\n\n\n\n<p>Los clientes deben aceptar mediante un formulario que su banco comparta con proveedores su informaci\u00f3n, a trav\u00e9s de las API. Al compartir la informaci\u00f3n, se simplifica la cantidad de servicios a los cuales el cliente puede acceder y las empresas pueden actuar en conjunto.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 beneficios ofrece?<\/h2>\n\n\n\n<p>El Open Banking trae ventajas tanto para usuarios como para bancos y otras entidades financieras. Algunas de las ventajas son las siguientes:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Servicios m\u00e1s adecuados a las necesidades de los clientes: <\/strong>c\u00f3mo la informaci\u00f3n se comparte, m\u00e1s empresas pueden acceder a los datos de los clientes y ofrecerles productos y servicios. De est\u00e1 manera, llegan a mano de los usuarios productos que de otra manera no hubieran llegado.<\/li><li><strong>Aumento de actores en el mercado financiero:<\/strong> el Open Banking y la diversificaci\u00f3n de APIs generan espacio y oportunidad para la aparici\u00f3n de nuevos jugadores en el mundo de las finanzas. Esto supone mayor competencia entre las empresas, y as\u00ed, mejores productos y servicios para sus clientes. El Open Banking facilita el <a href=\\\"https:\/\/alprestamo.com\/blog\/fintech-en-uruguay-como-pueden-mejorar-mis-finanzas-personales\/\\\">surgimiento de nuevas empresas fintech.<\/a>&nbsp;<\/li><li><strong>Ayudar a los clientes en sus operaciones: <\/strong>la facilidad para obtener respuestas y servicios adecuados a las necesidades de cada persona aumenta con la banca abierta. Tambi\u00e9n surge la oportunidad de brindar nuevos servicios, de pago por ejemplo, entre dos empresas vinculadas.&nbsp;&nbsp;<\/li><li><strong>Mayor control de los datos para los clientes:<\/strong> con el concepto del Open Banking, el poder del manejo de los datos vuelve a los usuarios. Ellos son quienes deciden si la entidad financiera los comparte o no. Entonces, no es que hay una falta de seguridad en la informaci\u00f3n, esta s\u00f3lo ser\u00e1n compartidos si el cliente lo desea.&nbsp;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 son las API y c\u00f3mo ayudan a esta tecnolog\u00eda?<\/h2>\n\n\n\n<p>Las API son las interfaces de programaci\u00f3n de aplicaciones. Dos componentes de software se comunican entre s\u00ed mediante un conjunto de definiciones y protocolos para compartir informaci\u00f3n. Son clave en el funcionamiento del Open Banking justamente, porque la informaci\u00f3n compartida es clave en el Open Banking.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El avance de la tecnolog\u00eda penetra en todos los sectores e industrias, generando innovaciones para facilitarle la vida a los clientes y usuarios y simplificar procesos. Tambi\u00e9n hay una tendencia hacia la transparencia y la mayor disponibilidad de informaci\u00f3n con los avances tecnol\u00f3gicos. \u00bfQu\u00e9 es el open banking? El open banking es un nuevo concepto &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/alprestamo.com\/blog\/que-es-el-open-banking-y-como-funciona\/\"> <span class=\"screen-reader-text\">\u00a0\u00bfQu\u00e9 es el open banking y c\u00f3mo funciona?<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":20008,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[27,94],"tags":[],"class_list":["post-20006","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fintech-uy","category-uy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO 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avance de la tecnolog\u00eda penetra en todos los sectores e industrias, generando innovaciones para facilitarle la vida a los clientes y usuarios y simplificar procesos. Tambi\u00e9n hay una tendencia hacia la transparencia y la mayor disponibilidad de informaci\u00f3n con los avances tecnol\u00f3gicos. \u00bfQu\u00e9 es el open banking? El open banking es un nuevo concepto&hellip;","rttpg_featured_image_url":{"full":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/01\/open-banking.jpeg",1800,1034,false],"landscape":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/01\/open-banking.jpeg",1800,1034,false],"portraits":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/01\/open-banking.jpeg",1800,1034,false],"thumbnail":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/01\/open-banking-150x150.jpeg",150,150,true],"medium":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/01\/open-banking-300x172.jpeg",300,172,true],"large":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/01\/open-banking-1024x588.jpeg",1024,588,true],"1536x1536":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/01\/open-banking-1536x882.jpeg",1536,882,true],"2048x2048":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/01\/open-banking.jpeg",1800,1034,false],"rt_custom":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/01\/open-banking.jpeg",1800,1034,false]},"rttpg_author":{"display_name":"admin","author_link":"https:\/\/alprestamo.com\/blog\/author\/admin\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/alprestamo.com\/blog\/categoria\/uy\/fintech-uy\/\" rel=\"category tag\">Fintech<\/a> <a href=\"https:\/\/alprestamo.com\/blog\/categoria\/uy\/\" rel=\"category tag\">UY<\/a>","rttpg_excerpt":"El avance de la tecnolog\u00eda penetra en todos los sectores e industrias, generando innovaciones para facilitarle la vida a los clientes y usuarios y simplificar procesos. Tambi\u00e9n hay una tendencia hacia la transparencia y la mayor disponibilidad de informaci\u00f3n con los avances tecnol\u00f3gicos. \u00bfQu\u00e9 es el open banking? El open banking es un nuevo concepto&hellip;","_links":{"self":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/20006"}],"collection":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/comments?post=20006"}],"version-history":[{"count":0,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/20006\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/media\/20008"}],"wp:attachment":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/media?parent=20006"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/categories?post=20006"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/tags?post=20006"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}