Subjects
53 Ciencias Económicas
5304 Actividad económica
530406 Dinero y operaciones bancarias
Los nuevos rivales en la industria de los medios de pago : ¿una amenaza para la banca tradicional?
Abstract
La revolución tecnológica y digital que se ha venido produciendo desde finales del pasado
siglo, ha propiciado la aparición de revolucionarios medios de pago, de la mano de nuevos
entrantes provenientes de la industria tecnológica y de las telecomunicaciones, así como de
start-ups que se han lanzado al mundo de los pagos. Esta combinación de nuevas
tecnologías y medios de pago ha generado un panorama en el que se multiplican las
posibilidades de cobro y pago para consumidores y comercios, poniendo en jaque a los
bancos, que se han quedado rezagados ante la aparición de estos nuevos rivales. Pero todo
este proceso de cambio aún está lejos de terminar y es pronto para poder designar a un
claro ganador en la industria, aunque sí podemos adelantar que el futuro de los pagos pasa
por el teléfono móvil. No obstante, los bancos aún tienen mucho que decir al respecto, y en
sus manos está quedarse fuera o seguir manteniendo la posición de liderazgo en la industria
de los pagos; todo dependerá cómo jueguen sus cartas.
The technological and digital revolution that has been occurring since the end of last century, has led to the emergence of revolutionary payment methods with the rise of new entrants from the technology and telecommunications industry, as well as start-ups that have jumped into the world of payments. This combination of new technologies and payments has created a scenario in which the collection and payment possibilities for consumers and businesses are multiplied, challenging the position of banks, which have been left behind by the appearance of these new rivals. This process of change is still far from the end, and it is still soon to appoint a clear winner in the industry, but we can advance, that the future of payments goes through the mobile phone for sure. However, banks still have much to say, and whether they are left out or remain as leaders of the industry will depend on how they play their cards.
The technological and digital revolution that has been occurring since the end of last century, has led to the emergence of revolutionary payment methods with the rise of new entrants from the technology and telecommunications industry, as well as start-ups that have jumped into the world of payments. This combination of new technologies and payments has created a scenario in which the collection and payment possibilities for consumers and businesses are multiplied, challenging the position of banks, which have been left behind by the appearance of these new rivals. This process of change is still far from the end, and it is still soon to appoint a clear winner in the industry, but we can advance, that the future of payments goes through the mobile phone for sure. However, banks still have much to say, and whether they are left out or remain as leaders of the industry will depend on how they play their cards.
Información detallada
Materias, derechos, colecciones e identificadores
Keywords
Medios de pago, Industria de los pagos, Bancos, Nuevos rivales, Pagos móviles, Pagos online, Tarjetas de crédito, Tarjetas de débito, Pagos contactless, Payment methods, Payment industry, Banks, New players, Mobile payments, e-Payments, Credit cards, Debit cards, Contactless payments