{"id":59897,"date":"2025-03-07T16:13:19","date_gmt":"2025-03-07T16:13:19","guid":{"rendered":"https:\/\/todologisticanews.com\/site\/?p=59897"},"modified":"2025-03-07T16:13:27","modified_gmt":"2025-03-07T16:13:27","slug":"latinoamerica-avanza-en-pagos-digitales","status":"publish","type":"post","link":"https:\/\/todologisticanews.com\/site\/latinoamerica-avanza-en-pagos-digitales\/","title":{"rendered":"Latinoam\u00e9rica avanza en pagos digitales"},"content":{"rendered":"\n<p>El sector financiero en Latinoam\u00e9rica est\u00e1 evolucionando r\u00e1pidamente gracias a la integraci\u00f3n de nuevas tecnolog\u00edas que mejoran la interoperabilidad, los pagos instant\u00e1neos y las remesas. <\/p>\n\n\n\n<p>La modernizaci\u00f3n del core bancario es clave para aprovechar estas oportunidades y fortalecer el ecosistema financiero regional.<\/p>\n\n\n\n<p>Seg\u00fan McKinsey, en 2023 se procesaron 3,4 billones de transacciones a nivel global, y se espera que las ganancias por pagos alcancen los $3,1 billones en 2028. En este contexto, la regi\u00f3n ha avanzado en la integraci\u00f3n de sistemas locales e internacionales, promoviendo la inclusi\u00f3n financiera y la eficiencia operativa.<\/p>\n\n\n\n<p>Cristian S\u00e1nchez, vicepresidente de ventas para Latinoam\u00e9rica de Temenos, destaca que las instituciones deben adoptar infraestructuras tecnol\u00f3gicas escalables para liderar la transformaci\u00f3n del sector. En este sentido, existen cuatro \u00e1reas clave para la evoluci\u00f3n de los pagos digitales en la regi\u00f3n:<\/p>\n\n\n\n<ol>\n<li><strong>Interoperabilidad<\/strong>: La conexi\u00f3n de sistemas de pago locales e internacionales mejora la eficiencia y reduce costos. Las APIs abiertas permiten integrar diversas fuentes de pago, facilitando el cumplimiento normativo y fomentando el desarrollo econ\u00f3mico.<\/li>\n\n\n\n<li><strong>Remesas<\/strong>: La optimizaci\u00f3n de procesos para transferencias transfronterizas agiliza el env\u00edo de dinero y reduce costos, mejorando la experiencia del usuario.<\/li>\n\n\n\n<li><strong>Pagos instant\u00e1neos<\/strong>: Modelos como PIX en Brasil, SPEI y CoDi en M\u00e9xico, y Bre-B en Colombia, est\u00e1n transformando las transacciones al procesarlas en tiempo real con solo un n\u00famero de tel\u00e9fono.<\/li>\n\n\n\n<li><strong>Pagos transfronterizos<\/strong>: La actualizaci\u00f3n de est\u00e1ndares SWIFT y el uso de redes globales de Visa y Mastercard facilitan transacciones internacionales con mayor transparencia y menor costo.<\/li>\n<\/ol>\n\n\n\n<p>Las instituciones financieras que invierten en tecnolog\u00eda avanzada pueden optimizar costos, mejorar la experiencia del cliente y prepararse para el futuro, impulsando la competitividad y el crecimiento del sector en Latinoam\u00e9rica.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong><em>TodologisticaNEWS: Las principales noticias sobre puertos, log\u00edstica, transporte y comercio exterior<\/em><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n","protected":false},"excerpt":{"rendered":"El sector financiero en Latinoam\u00e9rica est\u00e1 evolucionando r\u00e1pidamente gracias a la integraci\u00f3n de nuevas tecnolog\u00edas...","protected":false},"author":957,"featured_media":59946,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"episode_type":"audio","audio_file":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","date_recorded":"","explicit":"","block":"","filesize_raw":""},"categories":[10276],"tags":[10152,214,10220,100,145,13113,11574],"yst_prominent_words":[6054,1958,3627,1774,749,3240,2745,1240,928,689,5549,4306],"series":[],"episode_featured_image":"https:\/\/todologisticanews.com\/site\/wp-content\/uploads\/2025\/03\/Latinoamerica-avanza-en-pagos-digitales.jpg","episode_player_image":"https:\/\/todologisticanews.com\/site\/wp-content\/uploads\/2020\/05\/LOGO-PODCAST.jpeg","download_link":"","player_link":"","audio_player":false,"episode_data":{"playerMode":"dark","subscribeUrls":{"apple_podcasts":{"key":"apple_podcasts","url":"https:\/\/podcasts.apple.com\/uy\/podcast\/todologistica\/id1515118482","label":"Apple Podcasts","class":"apple_podcasts","icon":"apple-podcasts.png"},"google_podcasts":{"key":"google_podcasts","url":"","label":"Google Podcasts","class":"google_podcasts","icon":"google-podcasts.png"},"spotify":{"key":"spotify","url":"https:\/\/open.spotify.com\/show\/10D0EeKwuNi9BrB6KSt4px?si=Tn0hRTGJQwW6HqtWKotEZg","label":"Spotify","class":"spotify","icon":"spotify.png"},"stitcher":{"key":"stitcher","url":"","label":"Stitcher","class":"stitcher","icon":"stitcher.png"},"ivoox":{"key":"ivoox","url":"","label":"iVoox","class":"ivoox","icon":"ivoox.png"}},"rssFeedUrl":"https:\/\/todologisticanews.com\/site\/feed\/podcast\/todologistica","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"ZFz8GwnX9q\"><a href=\"https:\/\/todologisticanews.com\/site\/latinoamerica-avanza-en-pagos-digitales\/\">Latinoam\u00e9rica avanza en pagos digitales<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/todologisticanews.com\/site\/latinoamerica-avanza-en-pagos-digitales\/embed\/#?secret=ZFz8GwnX9q\" width=\"500\" height=\"350\" title=\"\u00abLatinoam\u00e9rica avanza en pagos digitales\u00bb \u2014 TodoLOGISTICA NEWS\" data-secret=\"ZFz8GwnX9q\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\n\/*! 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