{"id":11046,"date":"2025-09-23T09:10:06","date_gmt":"2025-09-23T09:10:06","guid":{"rendered":"https:\/\/wenalyze.com\/sin-categoria\/5-truths-reshaping-banking-that-hardly-anyone-talks-about\/"},"modified":"2025-09-23T10:58:54","modified_gmt":"2025-09-23T10:58:54","slug":"5-truths-reshaping-banking-that-hardly-anyone-talks-about","status":"publish","type":"post","link":"https:\/\/wenalyze.com\/es\/blog-es-2\/5-truths-reshaping-banking-that-hardly-anyone-talks-about\/","title":{"rendered":"5 verdades que est\u00e1n transformando la banca (y de las que casi nadie habla)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11046\" class=\"elementor elementor-11046 elementor-11038\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-490548bb e-flex e-con-boxed e-con e-parent\" data-id=\"490548bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db87d1e elementor-widget elementor-widget-text-editor\" data-id=\"db87d1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4 data-start=\"76\" data-end=\"426\">Los titulares suelen destacar a los disruptores FinTech y a la inteligencia artificial. Pero los cambios m\u00e1s profundos en la banca est\u00e1n ocurriendo entre bastidores. Bas\u00e1ndonos en informes de KPMG, del Financial Stability Board y de otros expertos del mercado, aqu\u00ed presentamos cinco tendencias que definir\u00e1n el futuro de los servicios financieros.<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c6ca540 elementor-drop-cap-yes elementor-drop-cap-view-default elementor-widget elementor-widget-text-editor\" data-id=\"1c6ca540\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;drop_cap&quot;:&quot;yes&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"80\" data-end=\"117\">1. M\u00e1s costes, peor experiencia<\/h3><p data-start=\"119\" data-end=\"384\">La gran paradoja: mientras los costes internos para atender a los clientes aumentan, la satisfacci\u00f3n se desploma. KPMG informa que el 64% de las empresas vio caer sus \u00edndices de experiencia de cliente, especialmente en \u201cempat\u00eda\u201d (con una ca\u00edda del 6% desde 2022).<\/p><p data-start=\"386\" data-end=\"604\">Como explica Sara Forbes, de KPMG UK: <em data-start=\"424\" data-end=\"602\">\u201cLas tendencias muestran que el coste de servir a los clientes est\u00e1 aumentando, pero el valor percibido por los clientes est\u00e1 disminuyendo, y por lo tanto la brecha se ampl\u00eda.\u201d<\/em><\/p><p data-start=\"606\" data-end=\"851\"><strong data-start=\"606\" data-end=\"622\">El problema:<\/strong> los bancos est\u00e1n derivando a los clientes hacia canales digitales de bajo coste que resultan ser \u201cun pobre sustituto de la interacci\u00f3n humana\u201d, lo que frustra a los usuarios mientras los costes de los sistemas siguen subiendo.<\/p><p data-start=\"853\" data-end=\"968\"><strong data-start=\"853\" data-end=\"877\">Clave para el \u00e9xito:<\/strong> redise\u00f1ar los canales digitales para aportar valor genuino, no solo para desviar costes.<\/p><hr data-start=\"970\" data-end=\"973\" \/><h3 data-start=\"975\" data-end=\"1029\">2. Los mayores riesgos est\u00e1n fuera de los bancos<\/h3><p data-start=\"1031\" data-end=\"1296\">El Banco de Espa\u00f1a advierte sobre una nueva categor\u00eda: los \u201cproveedores sist\u00e9micos\u201d. Los bancos dependen ahora en gran medida de un peque\u00f1o grupo de gigantes tecnol\u00f3gicos para servicios cr\u00edticos: computaci\u00f3n en la nube, procesamiento de datos, infraestructura TI.<\/p><p data-start=\"1298\" data-end=\"1425\"><em data-start=\"1298\" data-end=\"1394\">\u201cEn un futuro cercano, quiz\u00e1s hablemos m\u00e1s de proveedores sist\u00e9micos que de bancos sist\u00e9micos\u201d<\/em>, observa el Banco de Espa\u00f1a.<\/p><p data-start=\"1427\" data-end=\"1618\"><strong data-start=\"1427\" data-end=\"1443\">La realidad:<\/strong> una sola ca\u00edda de servidores en un proveedor tecnol\u00f3gico podr\u00eda desencadenar una crisis financiera. El epicentro del riesgo sist\u00e9mico ha pasado de la City a Silicon Valley.<\/p><p data-start=\"1620\" data-end=\"1752\"><strong data-start=\"1620\" data-end=\"1639\">Imprescindible:<\/strong> la gesti\u00f3n del riesgo debe ampliarse m\u00e1s all\u00e1 de los bancos e incluir a los proveedores tecnol\u00f3gicos cr\u00edticos.<\/p><hr data-start=\"1754\" data-end=\"1757\" \/><h3 data-start=\"1759\" data-end=\"1800\">3. La cultura supera a los recortes<\/h3><p data-start=\"1802\" data-end=\"2014\">Recortar presupuestos ya no funciona. Una encuesta de KPMG revel\u00f3 que el 82% de los l\u00edderes bancarios se\u00f1alan \u201cprofundos desaf\u00edos culturales\u201d como el principal obst\u00e1culo para reducir costes de forma sostenible.<\/p><p data-start=\"2016\" data-end=\"2258\">Los bancos m\u00e1s innovadores est\u00e1n adoptando una <em data-start=\"2063\" data-end=\"2098\">\u201cmentalidad de cultura de costes\u201d<\/em> inspirada en la manufactura japonesa, usando sistemas como <strong data-start=\"2158\" data-end=\"2174\">Hoshin Kanri<\/strong> para alinear a toda la organizaci\u00f3n en torno a 3\u20135 objetivos estrat\u00e9gicos claros.<\/p><p data-start=\"2260\" data-end=\"2458\"><strong data-start=\"2260\" data-end=\"2286\">La lecci\u00f3n de la NASA:<\/strong> durante la visita de JFK en 1962, cuando pregunt\u00f3 a un conserje qu\u00e9 estaba haciendo, este respondi\u00f3: <em data-start=\"2388\" data-end=\"2456\">\u201cSe\u00f1or Presidente, estoy ayudando a poner a un hombre en la luna.\u201d<\/em><\/p><p data-start=\"2460\" data-end=\"2610\"><strong data-start=\"2460\" data-end=\"2485\">Cambio de mentalidad:<\/strong> la pregunta no es <em data-start=\"2504\" data-end=\"2530\">\u201c\u00bfqu\u00e9 podemos recortar?\u201d<\/em>, sino <em data-start=\"2537\" data-end=\"2608\">\u201c\u00bfqu\u00e9 estamos construyendo y est\u00e1 cada euro alineado con esa misi\u00f3n?\u201d<\/em><\/p><hr data-start=\"2612\" data-end=\"2615\" \/><h3 data-start=\"2617\" data-end=\"2673\">4. La IA no sustituye banqueros, sustituye papeleo<\/h3><p data-start=\"2675\" data-end=\"2856\">Al contrario de los temores comunes, la IA no reemplaza empleos; reemplaza tareas. Como resume Agust\u00edn Rubini, de Gartner: <em data-start=\"2798\" data-end=\"2854\">\u201cLa IA no reemplaza trabajos, la IA reemplaza tareas.\u201d<\/em><\/p><p data-start=\"2858\" data-end=\"2884\"><strong data-start=\"2858\" data-end=\"2882\">Aplicaciones reales:<\/strong><\/p><ul data-start=\"2885\" data-end=\"3155\"><li data-start=\"2885\" data-end=\"2960\"><p data-start=\"2887\" data-end=\"2960\"><strong data-start=\"2887\" data-end=\"2904\">Front-office:<\/strong> automatizaci\u00f3n de la introducci\u00f3n rutinaria de datos.<\/p><\/li><li data-start=\"2961\" data-end=\"3040\"><p data-start=\"2963\" data-end=\"3040\"><strong data-start=\"2963\" data-end=\"2985\">Gesti\u00f3n de gastos:<\/strong> conciliaci\u00f3n de cuentas y procesamiento de facturas.<\/p><\/li><li data-start=\"3041\" data-end=\"3105\"><p data-start=\"3043\" data-end=\"3105\"><strong data-start=\"3043\" data-end=\"3067\">Atenci\u00f3n al cliente:<\/strong> chatbots para consultas frecuentes.<\/p><\/li><li data-start=\"3106\" data-end=\"3155\"><p data-start=\"3108\" data-end=\"3155\"><strong data-start=\"3108\" data-end=\"3122\">Seguridad:<\/strong> detecci\u00f3n avanzada de fraudes.<\/p><\/li><\/ul><p data-start=\"3157\" data-end=\"3240\"><strong data-start=\"3157\" data-end=\"3170\">Objetivo:<\/strong> liberar tiempo humano para generar valor, no para introducir datos.<\/p><hr data-start=\"3242\" data-end=\"3245\" \/><h3 data-start=\"3247\" data-end=\"3305\">5. El punto ciego: la falta de visibilidad del gasto<\/h3><p data-start=\"3307\" data-end=\"3633\">Incluso bancos con ingresos superiores a 60.000 millones de libras operan con una alarmante falta de visibilidad sobre su propio gasto interno. Un caso de estudio de <strong data-start=\"3473\" data-end=\"3486\">GEP SMART<\/strong> mostr\u00f3 que un gran banco estadounidense solo ten\u00eda visibilidad del 40% de sus facturas antes de implementar una plataforma unificada de compras.<\/p><p data-start=\"3635\" data-end=\"3788\">La \u201cvisibilidad del gasto\u201d se refiere a la capacidad de una organizaci\u00f3n para ver, comprender y controlar lo que compra y a qui\u00e9n. Es fundamental para:<\/p><ul data-start=\"3789\" data-end=\"3916\"><li data-start=\"3789\" data-end=\"3831\"><p data-start=\"3791\" data-end=\"3831\">Controlar los costes de manera eficaz.<\/p><\/li><li data-start=\"3832\" data-end=\"3885\"><p data-start=\"3834\" data-end=\"3885\">Aumentar el poder de negociaci\u00f3n con proveedores.<\/p><\/li><li data-start=\"3886\" data-end=\"3916\"><p data-start=\"3888\" data-end=\"3916\">Cumplir con la regulaci\u00f3n.<\/p><\/li><\/ul><p data-start=\"3918\" data-end=\"4109\"><strong data-start=\"3918\" data-end=\"3941\">El c\u00edrculo vicioso:<\/strong> sin visibilidad del gasto, los bancos no pueden diagnosticar en qu\u00e9 gastan, lo que lleva a inversiones ineficientes en canales digitales que frustran a los clientes.<\/p><p data-start=\"4111\" data-end=\"4212\"><strong data-start=\"4111\" data-end=\"4132\">Reto estrat\u00e9gico:<\/strong> antes de adoptar m\u00e1s tecnolog\u00eda, dominar lo b\u00e1sico: saber d\u00f3nde va cada euro.<\/p><hr data-start=\"4214\" data-end=\"4217\" \/><h3 data-start=\"4219\" data-end=\"4235\">Conclusi\u00f3n<\/h3><p data-start=\"4237\" data-end=\"4420\">El futuro de la banca no depende solo de apps brillantes o titulares sobre IA. Se trata de <strong data-start=\"4328\" data-end=\"4417\">gestionar con claridad los costes, las dependencias tecnol\u00f3gicas y los datos internos<\/strong>.<\/p><p data-start=\"4422\" data-end=\"4538\">Cada banco debe hacerse una pregunta:<br data-start=\"4459\" data-end=\"4462\" \/>\u00bfSeremos un socio financiero indispensable o un simple servicio invisible?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Los titulares suelen destacar a los disruptores FinTech y a la inteligencia artificial. Pero los cambios m\u00e1s profundos en la banca est\u00e1n ocurriendo entre bastidores. Bas\u00e1ndonos en informes de KPMG, del Financial Stability Board y de otros expertos del mercado, aqu\u00ed presentamos cinco tendencias que definir\u00e1n el futuro de los servicios financieros. 1. M\u00e1s costes, [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":11041,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1144],"tags":[],"class_list":["post-11046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-es-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5 verdades que est\u00e1n transformando la banca (y de las que casi nadie habla) - Wenalyze<\/title>\n<meta name=\"description\" content=\"From AI to spend visibility, explore the trends driving the reinvention of banking and customer experience.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wenalyze.com\/es\/blog-es-2\/5-truths-reshaping-banking-that-hardly-anyone-talks-about\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 verdades que est\u00e1n transformando la banca (y de las que casi nadie habla) - 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