{"id":2599,"date":"2016-05-31T08:57:26","date_gmt":"2016-05-31T06:57:26","guid":{"rendered":"https:\/\/thesmartcityjournal.cibeles.net\/sin-categorizar\/banca-digital-recorta-mercado\/"},"modified":"2016-05-31T08:57:26","modified_gmt":"2016-05-31T06:57:26","slug":"banca-digital-recorta-mercado","status":"publish","type":"post","link":"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado","title":{"rendered":"La Banca digital recorta mercado a la tradicional en Espa\u00f1a y Latinoam\u00e9rica"},"content":{"rendered":"<p><em>Un informe de la consultora Tecnocom muestra que la cuota de mercado est\u00e1 cambiando. Los principales servicios disponibles en la banca por Internet y la banca m\u00f3vil son transferencias electr\u00f3nicas, pago de servicios, pago con tarjetas de cr\u00e9dito y consulta de saldos y movimientos en cuenta.<\/em><\/p>\n<p><!--more--><\/p>\n<p style=\"text-align: justify\">El acceso universal a Internet y el uso creciente de los dispositivos m\u00f3viles est\u00e1n impulsando el uso de la banca online y m\u00f3vil en detrimento de la banca tradicional en la mayor\u00eda de los pa\u00edses latinoamericanos, especialmente en las operaciones de pago de bajo valor, seg\u00fan la consultora <strong>Tecnocom.<\/strong> Esta tendencia est\u00e1 reforzada por una cada d\u00eda mayor oferta de servicios de banca m\u00f3vil, especialmente en el \u00faltimo a\u00f1o, promovida tanto por las entidades financieras como por otros proveedores de servicios de pago ajenos en origen al negocio financiero.<\/p>\n<blockquote>\n<p style=\"text-align: center\"><em style=\"text-align: center\">Las billeteras digitales han impulsado a la banca m\u00f3vil espa\u00f1ola<\/em><\/p>\n<p>\u00a0<\/p>\n<\/blockquote>\n<p style=\"text-align: justify\">Entre los principales servicios disponibles a trav\u00e9s de la modalidad tanto de banca por Internet como de banca m\u00f3vil destacan las transferencias electr\u00f3nicas, el pago de servicios, el pago con tarjetas de cr\u00e9dito y la consulta de saldos y movimientos en cuenta. Por su parte, la eclosi\u00f3n de las billeteras digitales en 2014 supuso un importante impulso para la banca m\u00f3vil, especialmente en el caso de Espa\u00f1a, donde buena parte de los bancos ha inaugurado este tipo de servicio en los \u00faltimos meses.<\/p>\n<blockquote>\n<p style=\"text-align: center\">\u00a0<\/p>\n<\/blockquote>\n<p>\u00a0<\/p>\n<p style=\"text-align: justify\"><strong>TIC y el negocio bancario\u00a0<\/strong><\/p>\n<p style=\"text-align: justify\">La importancia de Internet y la banca m\u00f3vil pone de manifiesto la retroalimentaci\u00f3n existente entre el sector TIC y el negocio bancario, que no solo ofrece inmensas oportunidades de colaboraci\u00f3n entre los operadores de ambos sectores sino que sit\u00faa al segundo en una posici\u00f3n de dependencia relativa respecto del primero, a la vista del acelerado ritmo que la innovaci\u00f3n tecnol\u00f3gica impone a la banca. En este sentido, desde finales de 2013 se han formalizado importantes alianzas entre banca y el universo de proveedores de tecnolog\u00eda (m\u00e1s all\u00e1 de los operadores de telefon\u00eda) para desarrollar nuevos negocios digitales, entre los que se encuentra la banca m\u00f3vil.<\/p>\n<p style=\"text-align: justify\">En el crecimiento experimentado por la banca por Internet durante los \u00faltimos a\u00f1os destacan Per\u00fa, con un crecimiento en operaciones en ese periodo del 79%, y M\u00e9xico, por presentar un crecimiento m\u00e1s moderado (6,7%), por detr\u00e1s de <strong>Chile<\/strong> (13,1%), <strong>Colombia<\/strong> (15,8%) y<strong> Brasil<\/strong> (18,4%). En valor de operaciones es de nuevo Per\u00fa el pa\u00eds que mayor crecimiento registra (122%) en este canal.<\/p>\n<p style=\"text-align: justify\">En M\u00e9xico, el creciente n\u00famero de usuarios en Internet, que actualmente alcanza el 44,4% de la poblaci\u00f3n, seg\u00fan el Banco Mundial, impulsa la banca por este canal donde, seg\u00fan la <strong>Asociaci\u00f3n Mexicana de Internet<\/strong> (AMIPCI), el 22% de los usuarios de Internet reconocen realizar operaciones de banca en l\u00ednea, independientemente del dispositivo utilizado. El uso de la banca online es mayor entre los poseedores de un smartphone (el 27% realiza operaciones bancarias a trav\u00e9s del celular). Se trata de un canal en auge que el gobierno mexicano est\u00e1 tratando de potenciar tambi\u00e9n por la v\u00eda regulatoria. Muestra de ello es el avance regulatorio para dinamizar la operativa transaccional a trav\u00e9s del tel\u00e9fono m\u00f3vil, que tras la autorizaci\u00f3n de las \u201ccuentas de expediente simplificado\u201d este a\u00f1o ha comenzado a expedir licencias de operaci\u00f3n de pagos m\u00f3viles para la organizaci\u00f3n y operaci\u00f3n de una c\u00e1mara de compensaci\u00f3n de transferencias a trav\u00e9s de dispositivos m\u00f3viles.<\/p>\n<p>\u00a0<\/p>\n<\/p>\n<p>\u00a0<\/p>\n<p style=\"text-align: justify\">La penetraci\u00f3n m\u00f3vil en <strong>Am\u00e9rica Latina<\/strong> ha crecido a un ritmo muy positivo, a la par que las instituciones financieras trabajan e invierten para adaptarse a los avances tecnol\u00f3gicos y ofrecer mayores ventajas a sus clientes, en condiciones seguras. En materia de pago m\u00f3vil, los inminentes lanzamientos a escala de los modelos peruano y ecuatoriano, ambos con un fuerte componente de desarrollo e inclusi\u00f3n, permitir\u00e1n, por un lado, confirmar las previsiones de crecimiento en este \u00e1mbito espec\u00edfico de los pagos y, por otro, animar a garantizar la interoperabilidad de las soluciones dise\u00f1adas en otros pa\u00edses.<\/p>\n<p style=\"text-align: justify\">No en vano, muchas de las agendas de inclusi\u00f3n financiera impulsadas por la pr\u00e1ctica totalidad de los gobiernos de la regi\u00f3n pasan por fomentar la extensi\u00f3n de los pagos digitales entre el conjunto de la poblaci\u00f3n, facilitando el acceso de aquellos hasta ahora excluidos.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un informe de la consultora Tecnocom muestra que la cuota de mercado est\u00e1 cambiando. Los principales servicios disponibles en la banca por Internet y la banca m\u00f3vil son transferencias electr\u00f3nicas, pago de servicios, pago con tarjetas de cr\u00e9dito y consulta de saldos y movimientos en cuenta.<\/p>\n","protected":false},"author":2,"featured_media":2598,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_scj_primary_category_id":13,"_scj_featured":false,"_scj_featured_from":"","_scj_featured_until":"","_scj_featured_order":0,"_scj_visibility_class":"current","_scj_layout_family":"standard","_scj_article_style":"","_scj_display_overrides":[],"_scj_intro_image_id":2598,"_scj_intro_alt":"Banca digital","_scj_intro_caption":"","_scj_intro_class":"","_scj_intro_float":"","_scj_full_image_id":2598,"_scj_full_alt":"Banca digital","_scj_full_caption":"Banca digital","_scj_full_class":"","_scj_full_float":"","_scj_media_type":"","_scj_media_provider":"","_scj_media_external_id":"","_scj_media_url":"","_scj_media_poster_id":0,"_scj_media_width":0,"_scj_media_height":0,"_scj_media_aspect_ratio":"","_scj_media_description":"","_scj_gallery_items":[],"_scj_related_post_ids":[],"_scj_additional_authors":[],"scj_layout_family":"standard","scj_media_provider":"","scj_media_url":"","scj_full_caption":"Banca digital","footnotes":""},"categories":[13],"tags":[328,4162,316,224],"class_list":["post-2599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tecnologia","tag-dispositivos-moviles","tag-internet","tag-telefonia-movil","tag-tic"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La Banca digital recorta mercado a la tradicional en Espa\u00f1a y Latinoam\u00e9rica - thesmartcityjournal.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La Banca digital recorta mercado a la tradicional en Espa\u00f1a y Latinoam\u00e9rica - thesmartcityjournal.com\" \/>\n<meta property=\"og:description\" content=\"Un informe de la consultora Tecnocom muestra que la cuota de mercado est\u00e1 cambiando. Los principales servicios disponibles en la banca por Internet y la banca m\u00f3vil son transferencias electr\u00f3nicas, pago de servicios, pago con tarjetas de cr\u00e9dito y consulta de saldos y movimientos en cuenta.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado\" \/>\n<meta property=\"og:site_name\" content=\"thesmartcityjournal.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/thesmartcityjournal\" \/>\n<meta property=\"article:published_time\" content=\"2016-05-31T06:57:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.thesmartcityjournal.com\/wp-content\/uploads\/2016\/05\/9f1687b36272682d88ef7d3481444c51.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"808\" \/>\n\t<meta property=\"og:image:height\" content=\"493\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Redacci\u00f3n de The Smart City Journal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@SmartCityJour_\" \/>\n<meta name=\"twitter:site\" content=\"@SmartCityJour_\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Redacci\u00f3n de The Smart City Journal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/tecnologia\\\/banca-digital-recorta-mercado#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/tecnologia\\\/banca-digital-recorta-mercado\"},\"author\":{\"@type\":\"Organization\",\"name\":\"Redacci\u00f3n de The Smart City Journal\",\"url\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/author\\\/smart-city\"},\"headline\":\"La Banca digital recorta mercado a la tradicional en Espa\u00f1a y Latinoam\u00e9rica\",\"datePublished\":\"2016-05-31T06:57:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/tecnologia\\\/banca-digital-recorta-mercado\"},\"wordCount\":769,\"publisher\":{\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/tecnologia\\\/banca-digital-recorta-mercado#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/wp-content\\\/uploads\\\/2016\\\/05\\\/9f1687b36272682d88ef7d3481444c51.jpg\",\"keywords\":[\"Dispositivos M\u00f3viles\",\"Internet\",\"Telefon\u00eda M\u00f3vil\",\"TIC\"],\"articleSection\":[\"Tecnolog\u00eda\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/tecnologia\\\/banca-digital-recorta-mercado\",\"url\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/tecnologia\\\/banca-digital-recorta-mercado\",\"name\":\"La Banca digital recorta mercado a la tradicional en Espa\u00f1a y Latinoam\u00e9rica - thesmartcityjournal.com\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/tecnologia\\\/banca-digital-recorta-mercado#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/tecnologia\\\/banca-digital-recorta-mercado#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/wp-content\\\/uploads\\\/2016\\\/05\\\/9f1687b36272682d88ef7d3481444c51.jpg\",\"datePublished\":\"2016-05-31T06:57:26+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/tecnologia\\\/banca-digital-recorta-mercado#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/tecnologia\\\/banca-digital-recorta-mercado\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/tecnologia\\\/banca-digital-recorta-mercado#primaryimage\",\"url\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/wp-content\\\/uploads\\\/2016\\\/05\\\/9f1687b36272682d88ef7d3481444c51.jpg\",\"contentUrl\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/wp-content\\\/uploads\\\/2016\\\/05\\\/9f1687b36272682d88ef7d3481444c51.jpg\",\"width\":808,\"height\":493,\"caption\":\"Banca digital\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/tecnologia\\\/banca-digital-recorta-mercado#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"La Banca digital recorta mercado a la tradicional en Espa\u00f1a y Latinoam\u00e9rica\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/#website\",\"url\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/\",\"name\":\"thesmartcityjournal.com\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/#organization\",\"name\":\"thesmartcityjournal.com\",\"url\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/logo-smart-city-journal-1.png\",\"contentUrl\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/logo-smart-city-journal-1.png\",\"width\":346,\"height\":91,\"caption\":\"thesmartcityjournal.com\"},\"image\":{\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/thesmartcityjournal\",\"https:\\\/\\\/x.com\\\/SmartCityJour_\",\"https:\\\/\\\/www.instagram.com\\\/thesmartcityjournal_\\\/\",\"https:\\\/\\\/www.tiktok.com\\\/@thesmartcityjournal\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/the-smart-city-journal\\\/\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCIPTMzK206pVFxMNjO7SSxw\"]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/#\\\/schema\\\/person\\\/39c9da1aeac1b5c2d179ef9e4e293cf4\",\"name\":\"Redacci\u00f3n de The Smart City Journal\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/?s=96&d=mm&r=g\",\"caption\":\"Redacci\u00f3n de The Smart City Journal\"},\"description\":\"Equipo de redacci\u00f3n de The Smart City Journal.\",\"url\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es\\\/author\\\/smart-city\"},{\"@type\":[\"Organization\",\"NewsMediaOrganization\"],\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es#organization\"},{\"@type\":\"SiteNavigationElement\",\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es#site-navigation\",\"cssSelector\":[\".cib-main-menu\"]},{\"@type\":\"WPHeader\",\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es#header\",\"cssSelector\":[\".cib-header\"]},{\"@type\":\"WPFooter\",\"@id\":\"https:\\\/\\\/www.thesmartcityjournal.com\\\/es#footer\",\"cssSelector\":[\".cib-footer\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"La Banca digital recorta mercado a la tradicional en Espa\u00f1a y Latinoam\u00e9rica - thesmartcityjournal.com","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado","og_locale":"es_ES","og_type":"article","og_title":"La Banca digital recorta mercado a la tradicional en Espa\u00f1a y Latinoam\u00e9rica - thesmartcityjournal.com","og_description":"Un informe de la consultora Tecnocom muestra que la cuota de mercado est\u00e1 cambiando. Los principales servicios disponibles en la banca por Internet y la banca m\u00f3vil son transferencias electr\u00f3nicas, pago de servicios, pago con tarjetas de cr\u00e9dito y consulta de saldos y movimientos en cuenta.","og_url":"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado","og_site_name":"thesmartcityjournal.com","article_publisher":"https:\/\/www.facebook.com\/thesmartcityjournal","article_published_time":"2016-05-31T06:57:26+00:00","og_image":[{"width":808,"height":493,"url":"https:\/\/www.thesmartcityjournal.com\/wp-content\/uploads\/2016\/05\/9f1687b36272682d88ef7d3481444c51.jpg","type":"image\/jpeg"}],"author":"Redacci\u00f3n de The Smart City Journal","twitter_card":"summary_large_image","twitter_creator":"@SmartCityJour_","twitter_site":"@SmartCityJour_","twitter_misc":{"Escrito por":"Redacci\u00f3n de The Smart City Journal","Tiempo de lectura":"4 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado#article","isPartOf":{"@id":"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado"},"author":{"@type":"Organization","name":"Redacci\u00f3n de The Smart City Journal","url":"https:\/\/www.thesmartcityjournal.com\/es\/author\/smart-city"},"headline":"La Banca digital recorta mercado a la tradicional en Espa\u00f1a y Latinoam\u00e9rica","datePublished":"2016-05-31T06:57:26+00:00","mainEntityOfPage":{"@id":"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado"},"wordCount":769,"publisher":{"@id":"https:\/\/www.thesmartcityjournal.com\/es\/#organization"},"image":{"@id":"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado#primaryimage"},"thumbnailUrl":"https:\/\/www.thesmartcityjournal.com\/wp-content\/uploads\/2016\/05\/9f1687b36272682d88ef7d3481444c51.jpg","keywords":["Dispositivos M\u00f3viles","Internet","Telefon\u00eda M\u00f3vil","TIC"],"articleSection":["Tecnolog\u00eda"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado","url":"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado","name":"La Banca digital recorta mercado a la tradicional en Espa\u00f1a y Latinoam\u00e9rica - thesmartcityjournal.com","isPartOf":{"@id":"https:\/\/www.thesmartcityjournal.com\/es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado#primaryimage"},"image":{"@id":"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado#primaryimage"},"thumbnailUrl":"https:\/\/www.thesmartcityjournal.com\/wp-content\/uploads\/2016\/05\/9f1687b36272682d88ef7d3481444c51.jpg","datePublished":"2016-05-31T06:57:26+00:00","breadcrumb":{"@id":"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado#primaryimage","url":"https:\/\/www.thesmartcityjournal.com\/wp-content\/uploads\/2016\/05\/9f1687b36272682d88ef7d3481444c51.jpg","contentUrl":"https:\/\/www.thesmartcityjournal.com\/wp-content\/uploads\/2016\/05\/9f1687b36272682d88ef7d3481444c51.jpg","width":808,"height":493,"caption":"Banca digital"},{"@type":"BreadcrumbList","@id":"https:\/\/www.thesmartcityjournal.com\/es\/tecnologia\/banca-digital-recorta-mercado#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.thesmartcityjournal.com\/es"},{"@type":"ListItem","position":2,"name":"La Banca digital recorta mercado a la tradicional en Espa\u00f1a y Latinoam\u00e9rica"}]},{"@type":"WebSite","@id":"https:\/\/www.thesmartcityjournal.com\/es\/#website","url":"https:\/\/www.thesmartcityjournal.com\/es\/","name":"thesmartcityjournal.com","description":"","publisher":{"@id":"https:\/\/www.thesmartcityjournal.com\/es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.thesmartcityjournal.com\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/www.thesmartcityjournal.com\/es\/#organization","name":"thesmartcityjournal.com","url":"https:\/\/www.thesmartcityjournal.com\/es\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.thesmartcityjournal.com\/es\/#\/schema\/logo\/image\/","url":"https:\/\/www.thesmartcityjournal.com\/wp-content\/uploads\/2026\/09\/logo-smart-city-journal-1.png","contentUrl":"https:\/\/www.thesmartcityjournal.com\/wp-content\/uploads\/2026\/09\/logo-smart-city-journal-1.png","width":346,"height":91,"caption":"thesmartcityjournal.com"},"image":{"@id":"https:\/\/www.thesmartcityjournal.com\/es\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/thesmartcityjournal","https:\/\/x.com\/SmartCityJour_","https:\/\/www.instagram.com\/thesmartcityjournal_\/","https:\/\/www.tiktok.com\/@thesmartcityjournal","https:\/\/www.linkedin.com\/company\/the-smart-city-journal\/","https:\/\/www.youtube.com\/channel\/UCIPTMzK206pVFxMNjO7SSxw"]},{"@type":"Organization","@id":"https:\/\/www.thesmartcityjournal.com\/es\/#\/schema\/person\/39c9da1aeac1b5c2d179ef9e4e293cf4","name":"Redacci\u00f3n de The Smart City Journal","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/?s=96&d=mm&r=g","caption":"Redacci\u00f3n de The Smart City Journal"},"description":"Equipo de redacci\u00f3n de The Smart City Journal.","url":"https:\/\/www.thesmartcityjournal.com\/es\/author\/smart-city"},{"@type":["Organization","NewsMediaOrganization"],"@id":"https:\/\/www.thesmartcityjournal.com\/es#organization"},{"@type":"SiteNavigationElement","@id":"https:\/\/www.thesmartcityjournal.com\/es#site-navigation","cssSelector":[".cib-main-menu"]},{"@type":"WPHeader","@id":"https:\/\/www.thesmartcityjournal.com\/es#header","cssSelector":[".cib-header"]},{"@type":"WPFooter","@id":"https:\/\/www.thesmartcityjournal.com\/es#footer","cssSelector":[".cib-footer"]}]}},"_links":{"self":[{"href":"https:\/\/www.thesmartcityjournal.com\/es\/wp-json\/wp\/v2\/posts\/2599","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.thesmartcityjournal.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.thesmartcityjournal.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.thesmartcityjournal.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.thesmartcityjournal.com\/es\/wp-json\/wp\/v2\/comments?post=2599"}],"version-history":[{"count":0,"href":"https:\/\/www.thesmartcityjournal.com\/es\/wp-json\/wp\/v2\/posts\/2599\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.thesmartcityjournal.com\/es\/wp-json\/wp\/v2\/media\/2598"}],"wp:attachment":[{"href":"https:\/\/www.thesmartcityjournal.com\/es\/wp-json\/wp\/v2\/media?parent=2599"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.thesmartcityjournal.com\/es\/wp-json\/wp\/v2\/categories?post=2599"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.thesmartcityjournal.com\/es\/wp-json\/wp\/v2\/tags?post=2599"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}