Examinando por Materia "OPERACIONES BANCARIAS"
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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 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 Evaluación de eficiencia de alternativas de fondeo de entidades bancarias en Colombia de tamaño pequeño, bajo Basilea III(Universidad Eafit, 2020) Betancur Zuluaga, Juliana; Cardona Llano, Juan FelipeDuring the financial crisis that hit the markets in 2008, it was evident that worldwide financial institutions had lacks of control of their liquidity and its cautious management. Despite of the outstanding fulfill with the indicators established by the industry, this was not enough to stand the pressures freed by the market conditions and it took several financial institutions to extreme situations. This difficulties conceded room for reforms by The Basel Committee (Bank for International Settlements, s.f.), with the target of reinforce the guidelines that the financial institutions must adopt in order to have bigger capability to face future financial markets crisis. The convergence to the Basel standards by the Colombian entities creates the necessity to evaluate the fundraising alternatives, looking for analyze its efficiency in terms of costs and impact of the liquidity indicators, in order to align the regulatory fulfillment with the entity interests.Ítem Factores que han permitido el desarrollo de las Fintech(2018) Gallo Echeverri, Daniel; Gaitán Riaño, Sandra ConstanzaIn this document it was realized a path through the evolution of the term Fintech from its origins in the XIX century -- The Fintech ecosystem was analyzed where the academy recognized the components that had some influence such as the technological developments, governments, traditional financial entities and financial customers -- These factors presented important changes in the first decade of the XXI century that generated its development -- They were e-finance, social network, artificial intelligence and big data -- It was found that millennial’s demographic characteristics adjust to services offer by fintech companies -- It was described the strengths and weaknesses of the peer-to-peer business model, which has had a strong effect in the financial industry -- Finally, it was concluded how the repercussions of the Subprime Crisis in 2007 in the United States encouraged the development of Fintech and the main task these companies should focus is the confidence and security of their services and products to continue getting more clients and competing with banksÍtem Fintech: ¿Freno de mano o turbo para la banca colombiana?(Universidad EAFIT, 2019) Atehortúa Tuberquia, Santiago; Mora Cuartas, Andrés MauricioThe world is experiencing a digital transformation, new generations are increasingly demanding with the products and services acquired. This transformation has not been alien to banking, because Fintech is the new industry that applies technology to improve financial activities and is revolutionizing the way of making financial transactions and interacting with banks (Schueffel, 2016). The Fintech may represent a threat to traditional banks because they have been able to take advantage of the gaps of traditional banks in their services. They have served customer segments that the financial sector has rejected to avoid risk or low profitability. They have understood the generations of the digital era and with its structure of low cost and innovation every day more users prefer it. They have become a great opportunity for many banks, they are to be the perfect complement between knowledge, innovation and efficiency for the big banking operationÍtem Informe académico de indicadores de coyuntura bancaria en Colombia : caso de estudio modelado en Power BI(Universidad EAFIT, 2019) Tavera Londoño, Idaly; Restrepo Tobón,Diego Alexander;71785909The objective of this research is to generate academic indicators of banking situation for Colombia. This report will serve as input to the banking and finance research group of Eafit, providing data of interest for the decision making of students, graduates and entrepreneurs and will be published in the university financial laboratory. The methodology used in this research is self-learning in Power BI, for the automation, transformations and application of visualizations of bank indicators. The main contribution of the bank account indicators report is that users can have information available in one place, without having to visit several pages to gather all the data.Ítem Investigación de mercado para la estructuración de un banco de inversión en Latinoamérica que ofrece servicios financieros a empresas de tecnología(Universidad EAFIT, 2024) Gil Bonilla, Lleny Andrea; Acosta Lozada, Sindy Alessandra; Guerrero Latorre, Jorge HarleyÍtem Mitigación del riesgo liquidez a través de la Cámara de Compensación de Divisas cuando se presenta incumplimiento por parte de los participantes directos(Universidad EAFIT, 2015) Patiño Morales, Freddy; Patiño Morales, Oscar Andrés; Torres Oke, SebastiánLa Cámara de compensación de Divisas de Colombia S.A. es un administrador de un sistema de compensación y liquidación de moneda extranjera -- La Cámara de compensación ha introducido en Colombia una forma más segura, y eficiente para el cumplimiento de las operaciones de contado entre intermediarios el mercado cambiario (IMC) -- La principal particularidad de este nuevo sistema es una reducción para las entidades participantes en los riesgos asociados al pago de las operaciones cambiarias; en particular el riesgo sistémico, de crédito, de Liquidez, Legal, Operativo -- En éste sentido, la cámara se constituye en el administrador de un sistema de compensación y liquidación para las operaciones entre moneda local y dólar que se cumplen el mismo día -- En otras palabras, dicha herramienta está diseñada, inicialmente para compensar y liquidar únicamente las operaciones en el mercado spot -- El trabajo analiza la mitigación del riesgo de liquidez en eventualidades donde los montos disponibles por los Proveedores de Liquidez no sean suficientes para el cubrimiento de las posiciones faltantes o que los mencionados Proveedores no cuenten con los recursos para cubrir la demanda realizada por la CCDC ante uno o varios retrasos de sus Participantes DirectosÍtem 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 Prefactibilidad de un nuevo producto transaccional para los clientes del sector comercio del banco de Bogotá a través de la metodología ONUDI(Universidad EAFIT, 2023) Duque Correa, Ana Isabel; Guerrero Latorre, Jorge HarleyÍtem Proceso de Bancarización en los países del MILA: Chile, Colombia, México y Perú(Universidad EAFIT, 2015) Pinzón García, Jaime Andrés; Ballesteros Samacá, John JairoÍtem Propuesta de modelo de inclusión financiera rural para el sector agrícola de Chaguaní (Cundinamarca), una de las zonas más afectadas por el conflicto (ZOMAC)(Universidad EAFIT, 2019) Mosquera González, Luisa Fernanda; Segura Cerdas, Leonardo; Rojas de Francisco, Laura IsabelÍtem 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