{"id":132790,"date":"2026-05-26T03:54:31","date_gmt":"2026-05-26T03:54:31","guid":{"rendered":"https:\/\/enfoquenoticioso.com\/?p=132790"},"modified":"2026-05-26T03:54:31","modified_gmt":"2026-05-26T03:54:31","slug":"ligia-carolina-gorrino-castellar-y-el-auge-de-fintech","status":"publish","type":"post","link":"https:\/\/enfoquenoticioso.com\/?p=132790","title":{"rendered":"Ligia Carolina Gorri\u00f1o Castellar y el auge de Fintech"},"content":{"rendered":"<div>\n<p class=\"wp-block-paragraph\"><strong>La industria financiera tradicional est\u00e1 experimentando un cambio de paradigma impulsado por la tecnolog\u00eda. El t\u00e9rmino Fintech (Financial Technology) ha dejado de ser una palabra de moda para convertirse en la espina dorsal de la econom\u00eda moderna. Sin embargo, no se trata solo de aplicaciones m\u00f3viles; se trata de una reestructuraci\u00f3n profunda de c\u00f3mo gestionamos el riesgo, el capital y la confianza.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Para entender este ecosistema, contamos con la perspectiva de <strong>Ligia Carolina Gorri\u00f1o Castellar<\/strong>, experta en <strong>Administraci\u00f3n y Direcci\u00f3n de Empresas de Seguros<\/strong>. Con una trayectoria centrada en la formaci\u00f3n de l\u00edderes para el sector asegurador y la gesti\u00f3n estrat\u00e9gica de riesgos, <strong>Gorri\u00f1o Castellar aporta una visi\u00f3n acad\u00e9mica y pr\u00e1ctica sobre c\u00f3mo la digitalizaci\u00f3n est\u00e1 obligando a las instituciones a evolucionar o quedar obsoletas.<\/strong><\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1025\" src=\"https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-136.png\" alt=\"\" class=\"wp-image-242078 lazyload\" srcset=\"https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-136.png 1536w, https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-136-300x200.png 300w, https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-136-767x512.png 767w, https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-136-1024x683-1.png 1024w\" data-sizes=\"(max-width: 1536px) 100vw, 1536px\" style=\"--smush-placeholder-width: 1536px; --smush-placeholder-aspect-ratio: 1536\/1025;\"\/><\/figure>\n<p class=\"wp-block-paragraph\"><strong>Fuente:<\/strong> <a href=\"https:\/\/www.azlo.es\/finanzas\/que-es-fintech-tipos\/\" target=\"_blank\" rel=\"noopener\"><strong>https:\/\/www.azlo.es\/finanzas\/que-es-fintech-tipos\/<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Tabla de Contenido<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Alternar tabla de contenidos\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/enfoquenoticioso.com\/?p=132790\/#1_Definiendo_Fintech_Mas_alla_de_la_digitalizacion\" >1. Definiendo Fintech: M\u00e1s all\u00e1 de la digitalizaci\u00f3n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/enfoquenoticioso.com\/?p=132790\/#El_Impacto_en_la_Administracion_de_Empresas\" >El Impacto en la Administraci\u00f3n de Empresas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/enfoquenoticioso.com\/?p=132790\/#A_Neobancos_y_Banca_Digital\" >A. Neobancos y Banca Digital<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/enfoquenoticioso.com\/?p=132790\/#B_Insurtech_Seguros_Tecnologia\" >B. Insurtech (Seguros + Tecnolog\u00eda)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/enfoquenoticioso.com\/?p=132790\/#C_Wealthtech_Gestion_de_Patrimonio\" >C. Wealthtech (Gesti\u00f3n de Patrimonio)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/enfoquenoticioso.com\/?p=132790\/#D_Regtech_Tecnologia_Regulatoria\" >D. Regtech (Tecnolog\u00eda Regulatoria)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/enfoquenoticioso.com\/?p=132790\/#3_Tabla_Comparativa_Fintech_vs_Banca_Tradicional\" >3. Tabla Comparativa: Fintech vs. Banca Tradicional<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/enfoquenoticioso.com\/?p=132790\/#Navegacion_de_entradas\" >Navegaci\u00f3n de entradas<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Definiendo_Fintech_Mas_alla_de_la_digitalizacion\"><\/span><span class=\"ez-toc-section\" id=\"1_Definiendo_Fintech_Mas_alla_de_la_digitalizacion\"\/><strong>1. Definiendo Fintech: M\u00e1s all\u00e1 de la digitalizaci\u00f3n<\/strong><span class=\"ez-toc-section-end\"\/><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"wp-block-paragraph\"><strong>El concepto <\/strong><a href=\"https:\/\/www.ibm.com\/es-es\/think\/topics\/fintech\" target=\"_blank\" rel=\"noopener\"><strong>Fintech<\/strong><\/a><strong> agrupa a todas aquellas empresas que utilizan la tecnolog\u00eda (Cloud Computing<\/strong>, IA, Blockchain) para ofrecer servicios financieros de forma m\u00e1s eficiente, r\u00e1pida y accesible que la banca tradicional. <a href=\"https:\/\/contabilidadfinanzas.com\/blog\/que-son-las-fintech\/\" target=\"_blank\" rel=\"noopener\">Leer m\u00e1s<\/a><\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1556\" height=\"1053\" src=\"https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-137.png\" alt=\"\" class=\"wp-image-242079 lazyload\" srcset=\"https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-137.png 1556w, https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-137-300x203.png 300w, https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-137-767x519.png 767w, https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-137-1024x693.png 1024w, https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-137-1536x1039.png 1536w, https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-137-1023x692.png 1023w\" data-sizes=\"(max-width: 1556px) 100vw, 1556px\" style=\"--smush-placeholder-width: 1556px; --smush-placeholder-aspect-ratio: 1556\/1053;\"\/><\/figure>\n<p class=\"wp-block-paragraph\">Fuente: <a href=\"https:\/\/www.pointstar-consulting.com\/id\/blog\/mengapa-sistem-cloud-erp-solusi-ideal-untuk-fintech\" target=\"_blank\" rel=\"noopener\">https:\/\/www.pointstar-consulting.com\/id\/blog\/mengapa-sistem-cloud-erp-solusi-ideal-untuk-fintech<\/a><\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"El_Impacto_en_la_Administracion_de_Empresas\"><\/span><span class=\"ez-toc-section\" id=\"El_Impacto_en_la_Administracion_de_Empresas\"\/><strong>El Impacto en la Administraci\u00f3n de Empresas<\/strong><span class=\"ez-toc-section-end\"\/><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"wp-block-paragraph\">Seg\u00fan <strong>Ligia Gorri\u00f1o<\/strong>, la verdadera revoluci\u00f3n del Fintech no es solo t\u00e9cnica, sino administrativa. Las empresas hoy requieren l\u00edderes capaces de implementar estrategias eficientes que integren estas herramientas para reducir costos operativos y mejorar la experiencia del cliente final. <a href=\"https:\/\/www.aden.org\/business-magazine\/como-fintech-estan-impactando-en-el-sector-financiero\/\" target=\"_blank\" rel=\"noopener\">Leer m\u00e1s<\/a><\/p>\n<p class=\"wp-block-paragraph\"><strong>2. Tipos de Fintech: Clasificaci\u00f3n del Ecosistema<\/strong><\/p>\n<p class=\"wp-block-paragraph\">El universo Fintech es vasto. A continuaci\u00f3n, desglosamos las categor\u00edas principales que est\u00e1n definiendo el mercado actual:<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"A_Neobancos_y_Banca_Digital\"><\/span><span class=\"ez-toc-section\" id=\"A_Neobancos_y_Banca_Digital\"\/><strong>A. Neobancos y Banca Digital<\/strong><span class=\"ez-toc-section-end\"\/><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"wp-block-paragraph\"><strong>Son entidades que operan 100% de forma digital, sin sucursales f\u00edsicas. Ofrecen cuentas de ahorro, tarjetas y pr\u00e9stamos con comisiones m\u00ednimas. <\/strong><a href=\"https:\/\/financer.es\/finanzas\/neobancos\/\" target=\"_blank\" rel=\"noopener\"><strong>Leer m\u00e1s<\/strong><\/a><\/p>\n<ul class=\"wp-block-list\">\n<li><strong>Ejemplos:<\/strong> Revolut, Nubank, Chime.<\/li>\n<\/ul>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"474\" height=\"266\" src=\"https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-138.png\" alt=\"\" class=\"wp-image-242080 lazyload\" srcset=\"https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-138.png 474w, https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-138-300x168.png 300w\" data-sizes=\"(max-width: 474px) 100vw, 474px\" style=\"--smush-placeholder-width: 474px; --smush-placeholder-aspect-ratio: 474\/266;\"\/><\/figure>\n<p class=\"wp-block-paragraph\">Fuente: <a href=\"https:\/\/www.pequenocerdocapitalista.com\/neobancos-itf-fintech\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.pequenocerdocapitalista.com\/neobancos-itf-fintech\/<\/a><\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"B_Insurtech_Seguros_Tecnologia\"><\/span><span class=\"ez-toc-section\" id=\"B_Insurtech_Seguros_Tecnologia\"\/><strong>B. Insurtech (Seguros + Tecnolog\u00eda)<\/strong><span class=\"ez-toc-section-end\"\/><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"wp-block-paragraph\">Esta es el \u00e1rea de especializaci\u00f3n de <strong>Ligia Carolina Gorri\u00f1o Castellar<\/strong>. El Insurtech utiliza Big Data e Internet de las Cosas (IoT) para personalizar las p\u00f3lizas de seguros. <a href=\"https:\/\/clavesfinancieras.com\/insurtech-la-evolucion-de-los-seguros-con-tecnologia-financiera\/\" target=\"_blank\" rel=\"noopener\">Leer m\u00e1s<\/a><\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"474\" height=\"284\" src=\"https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-139.png\" alt=\"\" class=\"wp-image-242081 lazyload\" srcset=\"https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-139.png 474w, https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-139-300x180.png 300w\" data-sizes=\"(max-width: 474px) 100vw, 474px\" style=\"--smush-placeholder-width: 474px; --smush-placeholder-aspect-ratio: 474\/284;\"\/><\/figure>\n<p class=\"wp-block-paragraph\">Fuente: <a href=\"https:\/\/blog.numia.co\/insurtech-transformando-sector-seguros\/\" target=\"_blank\" rel=\"noopener\">https:\/\/blog.numia.co\/insurtech-transformando-sector-seguros\/<\/a><\/p>\n<p class=\"wp-block-paragraph\"><strong>Opini\u00f3n de la Experta:<\/strong> \u00abEl Insurtech est\u00e1 permitiendo una transici\u00f3n del modelo reactivo al preventivo. Ya no se trata solo de pagar por el siniestro, sino de usar la administraci\u00f3n de datos para predecir y mitigar el riesgo antes de que ocurra\u00bb, afirma <strong>Gorri\u00f1o Castellar<\/strong>.<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"C_Wealthtech_Gestion_de_Patrimonio\"><\/span><span class=\"ez-toc-section\" id=\"C_Wealthtech_Gestion_de_Patrimonio\"\/><strong>C. Wealthtech (Gesti\u00f3n de Patrimonio)<\/strong><span class=\"ez-toc-section-end\"\/><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"wp-block-paragraph\">Herramientas que automatizan la inversi\u00f3n (Robo-advisors) y permiten a usuarios minoristas acceder a mercados de valores que antes eran exclusivos para grandes capitales. <a href=\"https:\/\/www.vumi.io\/blog\/que-es-wealthtech-y-como-esta-transformando-la-gestion-de-patrimonios\" target=\"_blank\" rel=\"noopener\">Leer m\u00e1s<\/a><\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"474\" height=\"235\" src=\"https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-130.png\" alt=\"\" class=\"wp-image-242061 lazyload\" srcset=\"https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-130.png 474w, https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-130-300x149.png 300w\" data-sizes=\"(max-width: 474px) 100vw, 474px\" style=\"--smush-placeholder-width: 474px; --smush-placeholder-aspect-ratio: 474\/235;\"\/><\/figure>\n<p class=\"wp-block-paragraph\">Fuente: <a href=\"https:\/\/britech.global\/mercado\/wealthtech-solucoes-eficientes-para-gestoras-de-patrimonio\/\" target=\"_blank\" rel=\"noopener\">https:\/\/britech.global\/mercado\/wealthtech-solucoes-eficientes-para-gestoras-de-patrimonio\/<\/a><\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"D_Regtech_Tecnologia_Regulatoria\"><\/span><span class=\"ez-toc-section\" id=\"D_Regtech_Tecnologia_Regulatoria\"\/><strong>D. Regtech (Tecnolog\u00eda Regulatoria)<\/strong><span class=\"ez-toc-section-end\"\/><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"wp-block-paragraph\">Empresas que ayudan a las instituciones financieras a cumplir con las normativas vigentes (KYC, AML) de forma automatizada, reduciendo el error humano y los riesgos legales. <a href=\"https:\/\/www.apd.es\/regtech-tecnologia-que-es\/\" target=\"_blank\" rel=\"noopener\">Leer m\u00e1s<\/a><\/p>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"474\" height=\"214\" src=\"https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-140.png\" alt=\"\" class=\"wp-image-242082 lazyload\" srcset=\"https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-140.png 474w, https:\/\/dateando.com\/wp-content\/uploads\/2026\/05\/image-140-300x135.png 300w\" data-sizes=\"(max-width: 474px) 100vw, 474px\" style=\"--smush-placeholder-width: 474px; --smush-placeholder-aspect-ratio: 474\/214;\"\/><\/figure>\n<p class=\"wp-block-paragraph\">Fuente: <a href=\"https:\/\/es.dreamstime.com\/concepto-de-tecnolog%C3%ADa-regulaci%C3%B3n-y-supervisi%C3%B3n-regtech-en-pantalla-virtual-image325976120\" target=\"_blank\" rel=\"noopener\">https:\/\/es.dreamstime.com\/concepto-de-tecnolog%C3%ADa-regulaci%C3%B3n-y-supervisi%C3%B3n-regtech-en-pantalla-virtual-image325976120<\/a><\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Tabla_Comparativa_Fintech_vs_Banca_Tradicional\"><\/span><span class=\"ez-toc-section\" id=\"3_Tabla_Comparativa_Fintech_vs_Banca_Tradicional\"\/><strong>3. Tabla Comparativa: Fintech vs. Banca Tradicional<\/strong><span class=\"ez-toc-section-end\"\/><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure class=\"wp-block-table\">\n<table class=\"has-fixed-layout\">\n<thead>\n<tr>\n<th><strong>Caracter\u00edstica<\/strong><\/th>\n<th><strong>Fintech<\/strong><\/th>\n<th><strong>Banca Tradicional<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Estructura<\/strong><\/td>\n<td>100% Digital \/ \u00c1gil<\/td>\n<td>F\u00edsica y Digital \/ Burocr\u00e1tica<\/td>\n<\/tr>\n<tr>\n<td><strong>Costos<\/strong><\/td>\n<td>Bajos (Escalabilidad)<\/td>\n<td>Altos (Infraestructura f\u00edsica)<\/td>\n<\/tr>\n<tr>\n<td><strong>Enfoque<\/strong><\/td>\n<td>Experiencia del Usuario (UX)<\/td>\n<td>Seguridad y Cumplimiento<\/td>\n<\/tr>\n<tr>\n<td><strong>Inclusi\u00f3n<\/strong><\/td>\n<td>Alta (Llega a no bancarizados)<\/td>\n<td>Moderada (Requisitos estrictos)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p class=\"wp-block-paragraph\"><strong>4. La Importancia de la Formaci\u00f3n en el Sector<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>La implementaci\u00f3n de estas tecnolog\u00edas no est\u00e1 exenta de desaf\u00edos. La volatilidad de las tasas de inter\u00e9s y la inversi\u00f3n global exigen un conocimiento profundo de la contabilidad y la direcci\u00f3n estrat\u00e9gica.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Para <strong>Ligia Carolina Gorri\u00f1o Castellar<\/strong>, el \u00e9xito de una Fintech especialmente en el sector asegurador depende de la <strong>gesti\u00f3n de riesgos<\/strong>. No basta con tener la mejor interfaz; se requiere una estructura administrativa s\u00f3lida que entienda la complejidad del mercado financiero global. <strong>La formaci\u00f3n de talento especializado es, seg\u00fan su visi\u00f3n, el cuello de botella que las empresas deben resolver hoy mismo.<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>Hacia un Futuro Integrado<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>El Fintech no ha venido a destruir a la banca, sino a transformarla. La colaboraci\u00f3n entre la experiencia administrativa tradicional y la innovaci\u00f3n tecnol\u00f3gica es el \u00fanico camino para la sostenibilidad econ\u00f3mica.<\/strong><\/p>\n<p class=\"wp-block-paragraph\">Como bien se\u00f1ala <strong>Ligia Gorri\u00f1o<\/strong>, el futuro pertenece a aquellos administradores y directores que sepan navegar la complejidad de los seguros y las finanzas con una mentalidad digital, sin perder de vista el rigor t\u00e9cnico y la \u00e9tica en la gesti\u00f3n del capital.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Referencias Bibliogr\u00e1ficas y Web<\/strong><\/p>\n<p class=\"wp-block-paragraph\"><strong>Investopedia:<\/strong><a href=\"https:\/\/www.investopedia.com\/terms\/f\/fintech.asp\" target=\"_blank\" rel=\"noopener\">Fintech Definition and Categories<\/a><\/p>\n<nav class=\"navigation post-navigation\" aria-label=\"Navegaci\u00f3n de entradas\">\n<h2 class=\"screen-reader-text\"><span class=\"ez-toc-section\" id=\"Navegacion_de_entradas\"><\/span>Navegaci\u00f3n de entradas<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/nav><\/div>\n<p><a href=\"https:\/\/dateando.com\/ligia-carolina-gorrino-castellar-fintech\/dateando\/\" class=\" target=\" title=\"Ligia Carolina Gorri\u00f1o Castellar y el auge de Fintech\" target=\"_blank\" rel=\"noopener\">Ver fuente<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La industria financiera tradicional est\u00e1 experimentando un cambio de paradigma impulsado por la tecnolog\u00eda. El t\u00e9rmino Fintech (Financial Technology) ha dejado de ser una palabra de moda para convertirse en la espina dorsal de la econom\u00eda moderna. Sin embargo, no se trata solo de aplicaciones m\u00f3viles; se trata de una reestructuraci\u00f3n profunda de c\u00f3mo gestionamos [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":132791,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-132790","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad"],"_links":{"self":[{"href":"https:\/\/enfoquenoticioso.com\/index.php?rest_route=\/wp\/v2\/posts\/132790","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/enfoquenoticioso.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/enfoquenoticioso.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/enfoquenoticioso.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/enfoquenoticioso.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=132790"}],"version-history":[{"count":0,"href":"https:\/\/enfoquenoticioso.com\/index.php?rest_route=\/wp\/v2\/posts\/132790\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/enfoquenoticioso.com\/index.php?rest_route=\/wp\/v2\/media\/132791"}],"wp:attachment":[{"href":"https:\/\/enfoquenoticioso.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=132790"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/enfoquenoticioso.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=132790"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/enfoquenoticioso.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=132790"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}