Evaluación de la transformación digital en el desempeño financiero de bancos tradicionales y la banca digital en el sector bancario de Colombia mediante el modelo CAMEL
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2024
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En un contexto de globalización y cambio, la digitalización está remodelando la oferta y el consumo de servicios financieros. La banca digital, que opera exclusivamente en un entorno digital, ha alterado significativamente el mercado al ofrecer servicios innovadores y eficientes, capturando una gran parte del mercado de la industria bancaria. Esta investigación comparará el desempeño financiero de bancos tradicionales y la banca digital en Colombia, identificará las áreas del desempeño financiero que se benefician o se ven afectadas por la transformación digital y medirá los cambios en respuesta a la adopción de tecnologías digitales. La comparación será esencial para determinar cómo los bancos tradicionales pueden adaptarse a las nuevas expectativas de los consumidores y cómo la banca digital está aprovechando las oportunidades que ofrece la transformación digital. La banca digital
destaca por su eficiencia operativa gracias a su enfoque en la innovación tecnológica, mientras que los bancos tradicionales, aunque enfrentan retos de modernización, se mantienen sólidos por su base de clientes estable y su oferta diversificada de servicios.
In the context of globalization and change, digitalization is reshaping the offering and consumption of financial services. Digital banking, which operates exclusively in a digital environment, has significantly disrupted the market by providing innovative and efficient services, capturing a large share of the banking industry market. This research will compare the financial performance of traditional banks and digital banking in Colombia, identify areas of financial performance that benefit from or are affected by digital transformation, and measure changes in response to the adoption of digital technologies. The comparison will be essential to determine how traditional banks can adapt to new consumer expectations and how digital banking is capitalizing on the opportunities offered by digital transformation.Digital banking excels in operational efficiency due to its focus on technological innovation, while traditional banks, despite modernization challenges, remain strong thanks to their stable customer base and diverse range of services.
In the context of globalization and change, digitalization is reshaping the offering and consumption of financial services. Digital banking, which operates exclusively in a digital environment, has significantly disrupted the market by providing innovative and efficient services, capturing a large share of the banking industry market. This research will compare the financial performance of traditional banks and digital banking in Colombia, identify areas of financial performance that benefit from or are affected by digital transformation, and measure changes in response to the adoption of digital technologies. The comparison will be essential to determine how traditional banks can adapt to new consumer expectations and how digital banking is capitalizing on the opportunities offered by digital transformation.Digital banking excels in operational efficiency due to its focus on technological innovation, while traditional banks, despite modernization challenges, remain strong thanks to their stable customer base and diverse range of services.
Palabras clave
Transformación digital, Desempeño financiero, Bancos tradicionales, Banca digital, innovación tecnológica, Sectores sociales, Digital transformation, Financial performance, Technological innovation, Digital banking