Evaluación de los desafíos de la implementación del Open Banking en Colombia como política pública
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2022
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Universidad de La Salle. Escuela de Negocios. Maestría en Finanzas
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Dada la inmediatez de la revolución digital se evidencia una impetuosa competitividad que obliga a los sectores a adaptarse para enfrentar estos cambios. Por esto, la investigación pretende resolver ¿Cuáles son los desafíos para implementar el Open Banking en Colombia? Esto se hará a través de un enfoque cualitativo con alcance exploratorio y descriptivo, utilizando la revisión documental de propuestas estatales que establecen al Open Banking como política pública debido a su relevancia. Reflejando que Colombia le apuesta a la evolución y por eso ha desarrollado un marco regulatorio que cumple con lo principal, proteger al consumidor y sus datos, permitiendo determinar que el Open Banking es uno de los elementos que puede aportar a la inclusión financiera.
Given the immediacy of the digital revolution, there is evidence of impetuous competitiveness that forces sectors to adapt to face these changes. For this reason, the research aims to solve: What are the challenges to implement Open Banking in Colombia? This will be done through a qualitative approach with an exploratory and descriptive scope, using the documentary review of state proposals that establish Open Banking as a public policy due to its relevance. Reflecting that, Colombia is committed to evolution and that is why it has developed a regulatory framework that complies with the main thing, to protect the consumer and their data, allowing it to determine that Open Banking is one of the elements that can contribute to financial inclusion.
Given the immediacy of the digital revolution, there is evidence of impetuous competitiveness that forces sectors to adapt to face these changes. For this reason, the research aims to solve: What are the challenges to implement Open Banking in Colombia? This will be done through a qualitative approach with an exploratory and descriptive scope, using the documentary review of state proposals that establish Open Banking as a public policy due to its relevance. Reflecting that, Colombia is committed to evolution and that is why it has developed a regulatory framework that complies with the main thing, to protect the consumer and their data, allowing it to determine that Open Banking is one of the elements that can contribute to financial inclusion.
Palabras clave
Transformación digital, Marco regulatorio, Interfaz de programación de aplicaciones, Inclusión financiera, Open Banking, Fintech