Examinando por Materia "BANCOS - AUTOMATIZACIÓN"
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Ítem Avanzando hacia una banca más inclusiva : el potencial del Open Banking en Colombia(Universidad EAFIT, 2023) Sierra Madrid, Felipe; Jaramillo Restrepo, David; Gaitán Riaño, Sandra ConstanzaOver the years, Colombia has displayed a remarkable evolution in its financial sector, progressively transitioning towards hyperconnectivity and the digitization of its financial ecosystem, in sync with the global digital trends. Amidst these transformative shifts, open banking has emerged as a standout concept, bringing substantial changes in the way we engage with financial products. This research undertaking is fundamentally driven by the aspiration to delve into the essence of open banking, leveraging successful cases from other Latin American countries, such as Mexico and Brazil, as our primary units of observation. Through meticulous analysis of the open banking practices in these regions, we endeavor to envision how this technology could be introduced to Colombia.Further insights have been gleaned from statistical data on financial inclusion, furnished by diverse institutions, including the Financial Superintendence of Colombia and the World Bank. This information offers a window into the Colombian population's readiness to embrace digital transformation when it comes to their banking instruments. Yet, it is imperative to acknowledge that certain technological infrastructure barriers may pose challenges to the efficient introduction of open banking in the country.Ítem Blockchain, una oportunidad para el desarrollo de las asociaciones público-privadas en infraestructura en Colombia(Universidad EAFIT, 2022) Álvarez Zambrano, Óscar Javier; Restrepo Tobón, Diego AlexanderThis article investigates the way in which Blockchain technology can solve some frictions in the financing of infrastructure through Public-Private Associations, in Colombia. This is key to alleviate poverty and generate long-term growth, however, financing faces a decrease in capital, due to the increase in public deficits, transparency problems and the high cost of financing. This document makes an exhaustive review of the literature to study the potential of Blockchain in improving the efficiency of public finances and in attracting private sources to close the existing gap in infrastructure. The Blockchain impacts investment in infrastructure, democratizing participation in projects in three ways: i) Expanding the group of investors, attracting potential capital from small financiers, ii) Decentralizing the formulation of projects to institutions such as mayors and governors and iii) Proposing financial models that accommodate medium and small-scale projects such as secondary and tertiary networks. The Blockchain improves the liquidity of infrastructure assets, increasing transparency and trust and reducing transaction costs by facilitating access to different capitals.Ítem Caso de comparación el sistema de pagos digital entre Colombia y China desde la perspectiva de la promoción a la inclusion financiera(2019) Zapata Roldán, Marcela; Durango Gutiérrez, María PatriciaThis paper aims to present the progress of the digital payment system in Colombia, compared to the People's Republic of China. Initially, a count is made of the beginning and evolution of the payment system in both countries. Next, we will proceed with the identification and analysis of the platforms that have been implemented by the different financial entities of the traditional banking system and the regulations that have governed this system. Finally, it analyzes the impact that the digital payment system has generated in the Colombian economy, taking as reference four financial entities, to conclude the use of mobile telephony, it is the most promoted payment system in the national market.Ítem Caso de estudio del dinero móvil de China e India comparados con la experiencia colombiana(Universidad EAFIT, 2021) Vélez Angarita, Eddington David; Sánchez Bejarano, Gustavo Andrés; Cardona Prada, Juan CarlosThe process of digitization of products and services of the financial system were the prelude to the Digital Financial Services (DFS) to allow service providers to reach markets and populations without formal access to traditional financial services; the above generating the development of business models with value propositions focused on the customer, making full use of the technology to make affordable services to these populations. This research paper seeks from a qualitative analysis to understand how digital payments propitiated the scenario for the development of DFS. As well as referencing the implementation models of DFS that have contributed the most in its development. Specifically referencing the experiences of Wechat and Alipay in China and PayTm in India; seeking that this research serve as a guide to overcome the barriers that prevent development in Colombia as for the rest of Latin America.Ítem Crecimiento de la banca digital en Colombia : un estudio comparado con el caso mexicano.(2019) Bayona Maldonado, Laura Cristina; Vanegas Niño, Oskar David; Gaitan Riaño Sandra ConstanzaThis document analyzes the growth of digital banking in Colombia; Nequi, a digital subsidiary of Bancolombia, was studied as a case study, and a comparison was made with the case of Bancomer móvil de México, whose experience has received multiple recognitions and awards. The text addresses the factors that influenced this growth of digital banking, the organizational and structural transformations suffered by banking entities for immersion in mobile platforms, the services offered by Nequi and Bancomer when it comes to consolidating in the market and an assessment of Bancolombia and Bancomer in the financial market. The results show that Bancolombia, from the point of view of the analysis of the phenomenon of digital banking in the social, economic, organizational and financial dimensions, still has a great margin to grow in the world of fintech.Ítem Crédito digital : solución multisector adaptable a las necesidades del mercado(Universidad EAFIT, 2019) Sabogal Bassil, Andrés Felipe; Torres Osejo, Carlos Andrés; Uribe de Correa; Beatriz AmparoImproving banking coverage in emerging economies has proved to be challenging, especially if the goal is to develop financial services to improve the quality of life of those new to the marketplace. Colombia has faced these challenges with the help of public policy (Conpes 3424 de 2006; Conpes, 2006) that established the roadmap to make financial inclusion a reality on the short term. However, the small amount of public´s faith in traditional banks, high transaction costs, people´s disinterest in welcoming new banking technologies and a lack of strong physical presence along the country of retail banks; have driven low-income potential customers to interact with non-traditional banking institutions that have created targeted credit loans and loyalty plans in order to attract this part of the population. In the interest of proposing new ways of issuing credit and retail banking solutions, this thesis aims to determine the credit flow for digital lending that can meet the demand of those who require financing but do not have the knowledge to either create it or optimize it. It describes the current state of things for the banking industry in Colombia, analyzing market actors who have opted to develop and consume non-traditional lending products as a tool to achieve financial inclusiveness through targeted consumer and retail loans. In addition, it also details the credit flow, step by step, explaining each one of the operative aspects that are essential to get it into production.Ítem Desarrollo de modelo de negocio : fintech de créditos en el sector de transporte en Colombia(Universidad Eafit, 2020) Ramírez Posada, Juan Diego; Castellón Pérez, Edgar Andrés; Restrepo Tobón, Diego AlexanderÍtem Elementos claves en la evaluación de la rentabilidad a partir de la implementación de la banca digital en la banca tradicional : caso de aplicación en bancos colombianos.(2019) Quijano Ayala, Paula Andrea; Dávila Jiménez, Lina Fernanda; Orozco, CésarColombia, a developing country, is currently in the stage of transformation to digital banking, which leads to a process that must be faced by all actors in the financial sector. This paper presents the conditions of banking in Colombia and the coverage it has for users, delimiting its scope to four banks: Bancolombia, Banco de Occidente, Davivienda and Bancoomeva. In addition, it shows the evolution of traditional banking and the effects of its digital transformation. At the same time, a comparative analysis is carried out, on how based on fintech (technological finances), the banking sector has seen the need to change the strategy of attracting users. Likewise, the results of a survey are included where the willingness of the users surveyed in the change from traditional to digital banking is determined.Ítem Emisión del pagaré en Colombia, a través de la tecnología Blockchain, sin perder su identidad de título valor(Universidad EAFIT, 2020) Cardona Mercado, Alejandra; Vallejo Giraldo, Juan EstebanÍtem Estudio de caso Estonia, un acercamiento del impacto a la implementación de la tecnología Blockchain(Universidad EAFIT, 2021) Padilla Acevedo, Valentina; Yepes Callejas, Edgar RenéÍtem Fintechs : oportunidad de crecimiento a partir del segmento de pagos(Universidad EAFIT, 2021) Ospina Pava, Jesús Hernando; Uribe de Correa, Beatriz Amparo; Noreña Tobón, Pablo AndresWe are living a digital revolution on a global scale, where the transformation is constant with the growth of financing and payments systems through the Internet, this allows new dynamics of business models, which aim to streamline the economic operations of companies, corporations and individuals through platforms based on financial technology. The Fintech revolution, driven by a wave of innovative entrepreneurs with disruptive business models is changing the world of finance as we have always known it, this will bring great benefits for the future of people who will be able to access financial services, additionally it is an important component for economic development, so a greater banking penetration will be able to increase the coverage of payments and digital transfers. The financial digitalization and Fintech solutions, it has become evident that the use of technology allows to solve the problems and challenges faced by the world today. Therefore, Fintech reflects the benefits of technology and innovation when made available to society.Ítem Impacto económico de la transformación digital con robótica de procesos en la banca colombiana : caso Grupo Bancolombia(Universidad EAFIT, 2019) Padilla Ruiz, Cristian David; Támara Ayús, Armando LenínThe constant technological innovation combined with the needs of a market in constant evolution and high speeds of change in lifestyles, demands and needs in a global market that it requires that organizations are transformed to compete and develop in their business models. This is where the digital transformation is understood as the combination of technology, digital capabilities, processes and cultural changes aligned with the strategy enable organizations transcend and adapt to a new era. In the present work it is carried out exposes as digital transformation through process robotics and intelligent process automation has become a necessary for innovative organizations in the way of operating their processes, providing a new experience to customers and contribute to the generation of value to those interested. Finally, expand the strategy and financial results of robotic process automation and intelligent process automation at the Grupo Bancolombia.Ítem Impactos de las fintech en el sector financiero : análisis del caso colombiano.(Universidad EAFIT, 2018) Prieto Jaramillo, Sergio; Cardona, Raul ArmandoThe present investigation permitted to identify some key conclusions about the Fintech industry and its impact on the Colombian economy. Within the investigation, disruption became a common factor among these startups, which are beginning to be noticed by traditional banks. According to the collective opinion of the experts interviewed, it is expected that one of the main variables affected by the fintech industry will be the active interest rate, which would be reduced by the competition between the companies and the low costs associated with Fintechs. This would positively impact consumption and therefore the economic growth of the country. Additionally, we would be facing a possible scenario of coexistence and mutualism, where banks would leverage the innovative business models of these ventures and their value levers, through figures such as acquisitions, mergers, joint ventures, amongst others. Likewise, the experts assure that a greater banking penetration within the financial sector would be achieved, due to the Fintech's focus on the population that is currently outside the system, which would result in greater formality and greater tax collection.Ítem Introducción a las Fintech : alcance de su concepto y marco legal en Colombia(Universidad EAFIT, 2023) Gutiérrez Sánchez, Mariana; Moreno Figueroa, María José; Mejía Gutiérrez, Juan DavidÍtem Metodología para cuantificar las pérdidas económicas y financieras de una empresa, tanto a nivel nacional o internacional, cuando es afectada por ciberataques o ataques informáticos(Universidad EAFIT, 2021) Atencia Urueta, Víctor Rafael; Lalinde Pulido, Juan GuillermoIn this work, the direct financial, economic and reputational costs incurred by a company when affected by cyberattacks were examined, for which a methodology supported by international standards on cybersecurity was created or structured. The proposed methodology allows supporting companies, governments, judges and insurance companies, to quantify the economic, administrative, commercial, financial and reputational losses incurred by a company in any country, when being a victim of cyberattacks in its operations, services, infrastructure and / or reputation. The importance and relevance of this work is based on what has been occurring in cybersociety in the current times of pandemic and post-pandemic by covid-19, where online work, work at home, electronic businesses, learning on line, e-Banking, industry 4.0 services, and in general, the entire digital transformation of companies is here to stay as a necessity or mandatory requirement, in society and continue to generate value and produce in companies. This business and institutional digital transformation comes with a number of services, which facilitate the development of productive activities, but also increase vulnerability to computer attacks or cyberattacks against companies, organizations, private and governmental institutions worldwide. Such attacks greatly affect the resources, the economy, the finances and the entire value of companies and nations.Ítem Open banking : del concepto a la coopetencia(Universidad EAFIT, 2019) García Abella, Diana Patricia; Segura Cardenas, Juan Carlos; Cardona Prada, Juan CarlosIncreased Internet utilization, digitalization and the surge of Fintech, formed the background on which Open Banking came up as a new concept that allows banks to share customers' information to third parties thanks to open APIs, which has led to the creation of an entire competition ecosystem that is progressively transforming the financial industry throughout the world and creating new business models where data are a highly significant asset controlled by customers, instead of banks. The referent model is the one developed by the United Kingdom, which has taken a path that was possible only due to the PSD2 regulatory framework and the support of official institutions, which will be of great assistance to overcome barriers impeding its development both in Colombia and the rest of the Latin America.Ítem Potencial de aplicación de Blockchain en el sector(Universidad Eafit, 2020) Colorado Duque, Sandra Victoria; Álvarez Barrera, Claudia PatriciaPublicación Sistema de recomendaciones personalizadas en banca digital : un caso aplicado(Universidad EAFIT, 2025) García-Rúa, Esteban; Arbeláez, Juan CarlosÍtem La transformación digital en la banca de Chile, México y Colombia entre 2012 y 2018(Universidad EAFIT, 2021) Martínez Castro, Alfonso Enrique; Mora Cuartas, Andrés Mauricio