{"id":22223,"date":"2026-07-29T21:10:26","date_gmt":"2026-07-30T02:10:26","guid":{"rendered":"https:\/\/economiaconedmer.com\/economiaenserio\/?p=22223"},"modified":"2026-07-29T21:10:29","modified_gmt":"2026-07-30T02:10:29","slug":"las-fintech-apuestan-por-la-rentabilidad","status":"publish","type":"post","link":"https:\/\/economiaconedmer.com\/economiaenserio\/07\/29\/las-fintech-apuestan-por-la-rentabilidad\/el_resto\/2026\/","title":{"rendered":"Las fintech\u00a0apuestan por\u00a0la\u00a0rentabilidad"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Bogot\u00e1, 28 de julio de 2026<\/strong>.\u00a0El\u00a0ecosistema\u00a0Fintech de\u00a0Latinoam\u00e9rica\u00a0ha\u00a0superado\u00a0la era de la disrupci\u00f3n y \u00a0entr\u00f3 en la\u00a0fase\u00a0de la\u00a0madurez\u00a0y la\u00a0rentabilidad. Tras un\u00a0crecimiento hist\u00f3rico\u00a0que\u00a0llev\u00f3\u00a0la\u00a0bancarizaci\u00f3n\u00a0del 54%\u00a0en\u00a02017 al 73%\u00a0en2021, el sector\u00a0enfrenta\u00a0hoy el\u00a0desaf\u00edo\u00a0de la\u00a0sostenibilidad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Con el fin del capital\u00a0barato, la\u00a0inversi\u00f3n\u00a0de\u00a0etapa\u00a0avanzada\u00a0en\u00a0la\u00a0regi\u00f3n\u00a0se\u00a0dispar\u00f3\u00a0un 176%\u00a0en\u00a02025,\u00a0pero\u00a0con un\u00a0enfoque\u00a0exclusivo\u00a0en\u00a0la \u00abSerie P\u00bb (Rentabilidad). La\u00a0narrativa\u00a0del \u00abBank Killer\u00bb ha\u00a0quedado\u00a0obsoleta\u00a0frente\u00a0al\u00a0modelo de \u00abConfianza\u00a0como\u00a0Servicio\u00bb (TaaS). Los \u00a0usuarios latinoamericanos\u00a0ya\u00a0no\u00a0buscan\u00a0solo\u00a0una\u00a0tarjeta\u00a0digital,\u00a0sino\u00a0un \u00abcopiloto\u00a0financiero\u00bb\u00a0que\u00a0ofrezca\u00a0asesor\u00eda\u00a0proactiva; de\u00a0hecho,\u00a0m\u00e1s del 60%\u00a0est\u00e1\u00a0abierto\u00a0a\u00a0asistentes\u00a0de IA,\u00a0aunque\u00a0el 85%\u00a0todav\u00eda exige\u00a0contacto\u00a0humano\u00a0para resolver\u00a0problemas\u00a0cr\u00edticos\u00a0de\u00a0seguridad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u00abEn 2026, el\u00a0\u00e9xito\u00a0financiero\u00a0no\u00a0depender\u00e1\u00a0de\u00a0qui\u00e9n\u00a0tenga\u00a0la\u00a0mejor aplicaci\u00f3n,\u00a0sino\u00a0de\u00a0qui\u00e9n\u00a0tenga\u00a0el mayor\u00a0nivel\u00a0de\u00a0credibilidad\u00a0y\u00a0autoridad;\u00a0en\u00a0este\u00a0sentido, al\u00a0menos, las\u00a0empresas\u00a0de\u00a0gesti\u00f3n\u00a0de\u00a0activos\u00a0(LLM) no\u00a0mienten. En la era de la\u00a0rentabilidad,\u00a0ganarse\u00a0la confianza del\u00a0usuario\u00a0mediante\u00a0la\u00a0transparencia\u00a0y la\u00a0utilidad\u00a0real es la\u00a0\u00fanica\u00a0ventaja\u00a0competitiva\u00a0que\u00a0queda\u00bb,<\/em><strong>\u00a0<\/strong>afirm\u00f3\u00a0Roger Darashah,\u00a0socio y\u00a0cofundador\u00a0de\u00a0LatAm\u00a0Intersect.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En\u00a0este\u00a0contexto, la\u00a0tecnolog\u00eda\u00a0ya\u00a0no es\u00a0una\u00a0barrera\u00a0competitiva debido\u00a0a la\u00a0democratizaci\u00f3n\u00a0del Open Finance. Las\u00a0empresas\u00a0que dominar\u00e1n\u00a0en\u00a02026\u00a0ser\u00e1n\u00a0aquellas\u00a0que\u00a0logren\u00a0transformar\u00a0la\u00a0innovaci\u00f3n\u00a0en\u00a0infraestructura\u00a0\u00e9tica,\u00a0priorizando\u00a0la\u00a0transparencia algor\u00edtmica\u00a0y la\u00a0seguridad\u00a0digital\u00a0en\u00a0una\u00a0regi\u00f3n\u00a0donde\u00a0los ciberataques\u00a0son un 40%\u00a0m\u00e1s\u00a0frecuentes\u00a0que\u00a0el\u00a0promedio\u00a0mundial.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En Colombia, el Open Finance ha\u00a0dejado\u00a0de ser\u00a0una\u00a0novedad\u00a0para\u00a0convertirse\u00a0en\u00a0el\u00a0est\u00e1ndar\u00a0m\u00ednimo\u00a0de la\u00a0industria. Sin embargo,\u00a0existe\u00a0una\u00a0brecha\u00a0de\u00a0expectativas: el 73% de\u00a0los\u00a0colombianos\u00a0desea que\u00a0sus\u00a0aplicaciones\u00a0financieras\u00a0les\u00a0brinden\u00a0orientaci\u00f3n\u00a0y\u00a0consejos de\u00a0inversi\u00f3n,\u00a0una\u00a0funci\u00f3n\u00a0que\u00a0la\u00a0mayor\u00eda\u00a0de las\u00a0plataformas actuales\u00a0todav\u00eda\u00a0no\u00a0cumple\u00a0de forma\u00a0efectiva.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u201cEl\u00a0futuro\u00a0de\u00a0nuestra\u00a0industria\u00a0pertenece\u00a0a\u00a0aquellos\u00a0que\u00a0dejen\u00a0de\u00a0priorizar\u00a0las\u00a0m\u00e9tricas\u00a0de \u2018LinkedIn\u2019 y las\u00a0descargas\u00a0masivas, y\u00a0comiencen\u00a0a\u00a0construir\u00a0relaciones\u00a0de\u00a0lealtad\u00a0s\u00f3lidas\u00a0basadas\u00a0en\u00a0la\u00a0utilidad\u00a0cotidiana, la\u00a0seguridad\u00a0y la\u00a0transparencia\u00a0operativa\u201d,\u00a0dijo<\/em> Darashah<strong>.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La\u00a0nueva\u00a0era para las fintech\u00a0colombianas\u00a0se define\u00a0por\u00a0la\u00a0reciprocidad\u00a0de\u00a0datos. Si el\u00a0cliente\u00a0comparte\u00a0su\u00a0informaci\u00f3n financiera,\u00a0espera\u00a0recibir\u00a0a\u00a0cambio\u00a0un\u00a0valor\u00a0tangible,\u00a0como\u00a0consejos para el\u00a0ahorro\u00a0de\u00a0impuestos\u00a0o\u00a0inversiones\u00a0automatizadas. En 2026, la\u00a0autoridad\u00a0de\u00a0marca\u00a0en\u00a0Colombia se\u00a0construir\u00e1\u00a0sobre\u00a0la\u00a0capacidad de\u00a0ofrecer\u00a0asistencia\u00a0humana\u00a0en\u00a0momentos\u00a0cr\u00edticos,\u00a0equilibrando\u00a0la\u00a0eficiencia\u00a0de la IA con la\u00a0empat\u00eda\u00a0necesaria\u00a0para\u00a0generar\u00a0lealtad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bogot\u00e1, 28 de julio de 2026.\u00a0El\u00a0ecosistema\u00a0Fintech de\u00a0Latinoam\u00e9rica\u00a0ha\u00a0superado\u00a0la era de la disrupci\u00f3n y \u00a0entr\u00f3 en la\u00a0fase\u00a0de la\u00a0madurez\u00a0y la\u00a0rentabilidad. Tras un\u00a0crecimiento hist\u00f3rico\u00a0que\u00a0llev\u00f3\u00a0la\u00a0bancarizaci\u00f3n\u00a0del 54%\u00a0en\u00a02017 al 73%\u00a0en2021, el sector\u00a0enfrenta\u00a0hoy el\u00a0desaf\u00edo\u00a0de la\u00a0sostenibilidad. Con el fin del capital\u00a0barato, la\u00a0inversi\u00f3n\u00a0de\u00a0etapa\u00a0avanzada\u00a0en\u00a0la\u00a0regi\u00f3n\u00a0se\u00a0dispar\u00f3\u00a0un 176%\u00a0en\u00a02025,\u00a0pero\u00a0con un\u00a0enfoque\u00a0exclusivo\u00a0en\u00a0la \u00abSerie P\u00bb (Rentabilidad). La\u00a0narrativa\u00a0del \u00abBank Killer\u00bb ha\u00a0quedado\u00a0obsoleta\u00a0frente\u00a0al\u00a0modelo de \u00abConfianza\u00a0como\u00a0Servicio\u00bb (TaaS). Los \u00a0usuarios latinoamericanos\u00a0ya\u00a0no\u00a0buscan\u00a0solo\u00a0una\u00a0tarjeta\u00a0digital,\u00a0sino\u00a0un \u00abcopiloto\u00a0financiero\u00bb\u00a0que\u00a0ofrezca\u00a0asesor\u00eda\u00a0proactiva; de\u00a0hecho,\u00a0m\u00e1s del 60%\u00a0est\u00e1\u00a0abierto\u00a0a\u00a0asistentes\u00a0de IA,\u00a0aunque\u00a0el 85%\u00a0todav\u00eda exige\u00a0contacto\u00a0humano\u00a0para&#8230;<\/p>\n","protected":false},"author":9,"featured_media":22224,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_FSMCFIC_featured_image_caption":"","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","footnotes":""},"categories":[22],"tags":[],"class_list":["post-22223","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-el_resto"],"_links":{"self":[{"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/posts\/22223","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/comments?post=22223"}],"version-history":[{"count":1,"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/posts\/22223\/revisions"}],"predecessor-version":[{"id":22225,"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/posts\/22223\/revisions\/22225"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/media\/22224"}],"wp:attachment":[{"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/media?parent=22223"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/categories?post=22223"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/economiaconedmer.com\/economiaenserio\/wp-json\/wp\/v2\/tags?post=22223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}