Desplegar

Buscador

Secciones

EL PAÍS 40 Aniversario

Las ‘fintech’ que compiten con tu banco (y te prometen ahorrar tiempo y dinero)

Las aplicaciones que permiten llevar a cabo operaciones financieras a través del móvil o la web empiezan a convertirse en una alternativa para muchos usuarios

Otros

Guardar

Enviar por correo

ALBERTO G. LUNA

10 JUN 2016 - 18:07 CEST

En el año 2020 los bancos perderán el 23% del negocio tradicional. BLOOMBERG

En el año 2020 los bancos perderán el 23% del negocio tradicional a manos de lasfintech. Así de tajante es el informe Blurred lines: cómo las FinTech están redefiniendo el sector financiero, elaborado por PwC, a partir de más de 500 entrevistas a directivos de todo el mundo, y que analiza cómo las nuevas tecnologías digitales están cambiando el sector financiero, tal y como lo conocíamos hasta ahora.

c?1:0};var n;a:{var p=b.navigator;if(p){var q=p.userAgent;if(q){n=q;break a}}n=""};var r=-1!=n.indexOf("Opera"),t=-1!=n.indexOf("Trident")||-1!=n.indexOf("MSIE"),u=-1!=n.indexOf("Edge"),v=-1!=n.indexOf("Gecko")&&!(-1!=n.toLowerCase().indexOf("webkit")&&-1==n.indexOf("Edge"))&&!(-1!=n.indexOf("Trident")||-1!=n.indexOf("MSIE"))&&-1==n.indexOf("Edge"),w=-1!=n.toLowerCase().indexOf("webkit")&&-1==n.indexOf("Edge"),x=function(){var a=b.document;return a?a.documentMode:void 0},y;a:{var z="",A=function(){var a=n;if(v)return/rv\:([^\);]+)(\)|;)/.exec(a);if(u)return/Edge\/([\d\.]+)/.exec(a);if(t)return/\b(?:MSIE|rv)[: ]([^\);]+)(\)|;)/.exec(a);if(w)return/WebKit\/(\S+)/.exec(a);if(r)return/(?:Version)[ \/]?(\S+)/.exec(a)}();A&&(z=A?A[1]:"");if(t){var B=x();if(null!=B&&B>parseFloat(z)){y=String(B);break a}}y=z}var C=y,D={},E=function(a){if(!D[a]){for(var c=0,d=f(String(C)).split("."),e=f(String(a)).split("."),k=Math.max(d.length,e.length),l=0;0==c&&le)d=a+"&nm="+d;else var e=e+4,k=a.indexOf("&",e),d=0 0) {var c = a.href.substring(0, bi+6); var d = a.href.substring(bi+6, a.href.length);var ei = d.indexOf("&");var r = '';if (ei >= 0)r = d.substring(ei, d.length);a.href = c + t + r; } else {a.href += "&clkt=" + t;}}}(function(){var d=this;var g=String.prototype.trim?function(a){return a.trim()}:function(a){return a.replace(/^[\s\xa0]+|[\s\xa0]+$/g,"")},m=function(a,b){return ab?1:0};var n;a:{var p=d.navigator;if(p){var q=p.userAgent;if(q){n=q;break a}}n=""};var r=-1!=n.indexOf("Opera"),t=-1!=n.indexOf("Trident")||-1!=n.indexOf("MSIE"),u=-1!=n.indexOf("Edge"),v=-1!=n.indexOf("Gecko")&&!(-1!=n.toLowerCase().indexOf("webkit")&&-1==n.indexOf("Edge"))&&!(-1!=n.indexOf("Trident")||-1!=n.indexOf("MSIE"))&&-1==n.indexOf("Edge"),w=-1!=n.toLowerCase().indexOf("webkit")&&-1==n.indexOf("Edge"),x=function(){var a=d.document;return a?a.documentMode:void 0},y;a:{var z="",A=function(){var a=n;if(v)return/rv\:([^\);]+)(\)|;)/.exec(a);if(u)return/Edge\/([\d\.]+)/.exec(a);if(t)return/\b(?:MSIE|rv)[: ]([^\);]+)(\)|;)/.exec(a);if(w)return/WebKit\/(\S+)/.exec(a);if(r)return/(?:Version)[ \/]?(\S+)/.exec(a)}();A&&(z=A?A[1]:"");if(t){var B=x();if(null!=B&&B>parseFloat(z)){y=String(B);break a}}y=z}var C=y,D={},E=function(a){if(!D[a]){for(var b=0,c=g(String(C)).split("."),e=g(String(a)).split("."),f=Math.max(c.length,e.length),l=0;0==b&&lc?e=b+f+e:(c+=f.length,f=b.indexOf("&",c),e=0b?1:0};var n;a:{var p=d.navigator;if(p){var q=p.userAgent;if(q){n=q;break a}}n=""};var r=-1!=n.indexOf("Opera"),t=-1!=n.indexOf("Trident")||-1!=n.indexOf("MSIE"),u=-1!=n.indexOf("Edge"),v=-1!=n.indexOf("Gecko")&&!(-1!=n.toLowerCase().indexOf("webkit")&&-1==n.indexOf("Edge"))&&!(-1!=n.indexOf("Trident")||-1!=n.indexOf("MSIE"))&&-1==n.indexOf("Edge"),w=-1!=n.toLowerCase().indexOf("webkit")&&-1==n.indexOf("Edge"),x=function(){var a=d.document;return a?a.documentMode:void 0},y;a:{var z="",A=function(){var a=n;if(v)return/rv\:([^\);]+)(\)|;)/.exec(a);if(u)return/Edge\/([\d\.]+)/.exec(a);if(t)return/\b(?:MSIE|rv)[: ]([^\);]+)(\)|;)/.exec(a);if(w)return/WebKit\/(\S+)/.exec(a);if(r)return/(?:Version)[ \/]?(\S+)/.exec(a)}();A&&(z=A?A[1]:"");if(t){var B=x();if(null!=B&&B>parseFloat(z)){y=String(B);break a}}y=z}var C=y,D={},E=function(a){if(!D[a]){for(var b=0,c=f(String(C)).split("."),e=f(String(a)).split("."),k=Math.max(c.length,e.length),l=0;0==b&&le)c=b+"&mb="+c;else{var e=e+4,k=b.indexOf("&",e);c=0 c?1:0};var m;a:{var r=b.navigator;if(r){var t=r.userAgent;if(t){m=t;break a}}m=""};var u=-1!=m.indexOf("Opera"),w=-1!=m.indexOf("Trident")||-1!=m.indexOf("MSIE"),x=-1!=m.indexOf("Edge"),y=-1!=m.indexOf("Gecko")&&!(-1!=m.toLowerCase().indexOf("webkit")&&-1==m.indexOf("Edge"))&&!(-1!=m.indexOf("Trident")||-1!=m.indexOf("MSIE"))&&-1==m.indexOf("Edge"),z=-1!=m.toLowerCase().indexOf("webkit")&&-1==m.indexOf("Edge"),A=function(){var a=b.document;return a?a.documentMode:void 0},B;a:{var C="",D=function(){var a=m;if(y)return/rv\:([^\);]+)(\)|;)/.exec(a);if(x)return/Edge\/([\d\.]+)/.exec(a);if(w)return/\b(?:MSIE|rv)[: ]([^\);]+)(\)|;)/.exec(a);if(z)return/WebKit\/(\S+)/.exec(a);if(u)return/(?:Version)[ \/]?(\S+)/.exec(a)}();D&&(C=D?D[1]:"");if(w){var E=A();if(null!=E&&E>parseFloat(C)){B=String(E);break a}}B=C}var F=B,G={},H=function(a){if(!G[a]){for(var c=0,d=k(String(F)).split("."),n=k(String(a)).split("."),v=Math.max(d.length,n.length),e=0;0==c&&e

div,ul,li{margin:0;padding:0;}.abgcp{height:15px;padding-right: 0;padding-top: 0;padding-left: 10px;padding-bottom: 10px;right:0px;top:0;position:absolute;width:31px;z-index:9020;}.abgc{height:15px;overflow:hidden;position:absolute;right:0px;text-rendering:geometricPrecision;top:0;width:31px;z-index:9020;}.abgb{height:15px;width:15px;}.abgc{cursor:pointer;}.cbb{background-image: url('https://tpc.googlesyndication.com/pagead/images/x_button_blue2.svg');background-repeat: no-repeat;background-position: top right;cursor:pointer;height:15px;width:15px;z-index:9020;}.abgb{position:absolute;right:16px;top:0;}.cbb{position:absolute;right:0;top:0;}.abgc img{display:block;}.abgc svg{display:block;}.abgs{display:none;height:100%;}.abgl{text-decoration:none;}.abgi{fill-opacity:1.0;fill:#00aecd;stroke:none;}.abgbg{fill-opacity:1.0;fill:#cdcccc;stroke:none;}.abgtxt{fill:black;font-family:'Arial';font-size:100px;overflow:visible;stroke:none;}

var abgp={elp:document.getElementById('abgcp'),el:document.getElementById('abgc'),ael:document.getElementById('abgs'),iel:document.getElementById('abgb'),hw:15,sw:95,hh:15,sh:15,himg:'https://tpc.googlesyndication.com'+'/pagead/images/adchoices/icon.png',simg:'https://tpc.googlesyndication.com/pagead/images/adchoices/es.png',alt:'Gestión anuncios',t:'Gestión anuncios',tw:73,t2:'',t2w:0,tbo:0,popuptext:'',att:'adchoices',ff:'',halign:'right',fe:false,iba:false,lttp:true,umd:false,uic:true,uit:false,ict:document.getElementById('cbb'),icd:{"creatives":[],"height":250,"width":300,"attribution":{"user_feedback_data":{"ad_feedback_text":"Dejar de ver este anuncio","mute_icon_url":"https://googleads.g.doubleclick.net/pagead/images/mtad/x_blue.png","pub_feedback_text":"El anuncio ocupa toda la página","pub_feedback_icon_url":"https://googleads.g.doubleclick.net/pagead/images/mtad/x_blue.png","conversion_url":"https://googleads.g.doubleclick.net/pagead/conversion/?ai=CkiMwZgVbV_f7A9K8btvfvNACiImg50Tzj8n8hwO3_PP9CBABIPKq6Shg1a3YAqABzZaczgPIAQOpAvoAmHqzELg-4AIAqAMByAOZBKoE7gFP0H2i8vPgMdpfwuwlpPmSq5NQe4lljwDz1WQmW9_xhuEEwFghZ4tr1QLye_4MHq9U37yQECIov2M9zKWAHUpaRtS9BDVUCpOlGhWniTRirxfdLDGj5yfVk0nZpnrNpFN_S1zkLwQEcWIwF1k8SSY6uw-6b7F2g8lgu8e1Rmss1IpojyfY8dUIWxSxbl00tOIc5nuutwChYvRpl8NBnuNo0pgiqdeOeBMJxIuqfwxFhVV-wsva6ctoYFhRZNGeP6llIHr6T3arJy6VFigPUuCkdnO0KnKrEdcqN_onvDaKh66WOoA7a7E5DGeN4Lpp4AQBiAYBoAYD2AYCgAeb6eMxqAemvhvYBwE\u0026sigh=kS9ULzrC5vM","close_button_token":"FKxB3mYwAO0I84_J_IcDELvmlnwYi_3WMCILd3d3LnNvbnkuZXMyCAgFExizsxUUQhdjYS1wdWItODc1MDA4NjAyMDY3NTgyMEgEWANwAQ","interaction_conversion":{"label":"user_feedback_menu_interaction","label_instance":"","include_close_button_token":false},"mute_conversion":{"label":"user_feedback_menu_option","label_instance":"1","include_close_button_token":true},"mute_undo_conversion":{"label":"user_feedback_undo","label_instance":"1","include_close_button_token":true},"pub_feedback_conversion":{"label":"user_feedback_menu_option","label_instance":"3","include_close_button_token":true},"pub_feedback_undo_conversion":{"label":"user_feedback_undo","label_instance":"3","include_close_button_token":true},"survey_header":"¿Qué ha ocurrido con este anuncio?","survey_options":[{"text":"Irrelevante","conversion":{"label":"mute_survey_option","label_instance":"7","include_close_button_token":true}},{"text":"Repetitivo","conversion":{"label":"mute_survey_option","label_instance":"2","include_close_button_token":true}},{"text":"Inapropiado","conversion":{"label":"mute_survey_option","label_instance":"8","include_close_button_token":true}}],"back_icon_url":"https://googleads.g.doubleclick.net/pagead/images/mtad/back_blue.png","mute_confirmation_header":"Gracias por tu opinión","mute_confirmation_text":"Revisaremos este anuncio para mejorar su experiencia en el futuro.","pub_feedback_confirmation_header":"Gracias por tu opinión","pub_feedback_confirmation_text":"Utilizaremos tu opinión para revisar los anuncios de este sitio.","encoded_cookie":"CAASEuRoV-qt_Qxng1oTuVl0D-jXtw","undo_text":"Deshacer","closing_countdown_text":"Cerrando el anuncio: %1$d","attribution_text":"Gestión anuncios","attribution_icon_url":"https://googleads.g.doubleclick.net/pagead/images/mtad/ad_choices_blue.png","attribution_destination_url":"https://www.google.com/url?ct=abg\u0026q=https://www.google.com/adsense/support/bin/request.py%3Fcontact%3Dabg_afc%26url%3Dhttp://tecnologia.elpais.com/tecnologia/2016/06/08/actualidad/1465404234_852543.html%253Frel%253Dcx_articulo%26gl%3DES%26hl%3Des%26client%3Dca-pub-8750086020675820%26ai0%3DCkiMwZgVbV_f7A9K8btvfvNACiImg50Tzj8n8hwO3_PP9CBABIPKq6Shg1a3YAqABzZaczgPIAQOpAvoAmHqzELg-4AIAqAMByAOZBKoE7gFP0H2i8vPgMdpfwuwlpPmSq5NQe4lljwDz1WQmW9_xhuEEwFghZ4tr1QLye_4MHq9U37yQECIov2M9zKWAHUpaRtS9BDVUCpOlGhWniTRirxfdLDGj5yfVk0nZpnrNpFN_S1zkLwQEcWIwF1k8SSY6uw-6b7F2g8lgu8e1Rmss1IpojyfY8dUIWxSxbl00tOIc5nuutwChYvRpl8NBnuNo0pgiqdeOeBMJxIuqfwxFhVV-wsva6ctoYFhRZNGeP6llIHr6T3arJy6VFigPUuCkdnO0KnKrEdcqN_onvDaKh66WOoA7a7E5DGeN4Lpp4AQBiAYBoAYD2AYCgAeb6eMxqAemvhvYBwE\u0026usg=AFQjCNEs5FNypoNOi3tQB3Z46hKB9w5hZg","ad_feedback_icon_url":"https://googleads.g.doubleclick.net/pagead/images/mtad/x_blue.png","is_rtl_language":false,"feedback_options":[{"text":"El anuncio ocupa toda la página","conversion":{"label":"user_feedback_menu_option","label_instance":"3","include_close_button_token":true},"undo_conversion":{"label":"user_feedback_undo","label_instance":"3","include_close_button_token":true}},{"text":"Dejar de ver este anuncio","conversion":{"label":"user_feedback_menu_option","label_instance":"1","include_close_button_token":true},"survey":{"header":"¿Qué ha ocurrido con este anuncio?","options":[{"text":"Irrelevante","conversion":{"label":"mute_survey_option","label_instance":"7","include_close_button_token":true}},{"text":"Repetitivo","conversion":{"label":"mute_survey_option","label_instance":"2","include_close_button_token":true}},{"text":"Inapropiado","conversion":{"label":"mute_survey_option","label_instance":"8","include_close_button_token":true}}]},"undo_conversion":{"label":"user_feedback_undo","label_instance":"1","include_close_button_token":true}}],"mute_panel_data":{}}},"flags":[]},uaal:true,opi: false};

buildAdSlot([[[1,0,300,250,"http://www.sony.es/pro/hub/projectors-laser?cmp=ban-pr-10723\u0026aaca=260420411\u0026aaad=21238782131\u0026aapl=tecnologia.elpais.com\u0026aata=%2Fcomputers%20%26%20electronics%2Fenterprise%20technology\u0026aacr=105190730171\u0026aade=m","https://googleads.g.doubleclick.net/pagead/conversion/?ai=CkiMwZgVbV_f7A9K8btvfvNACiImg50Tzj8n8hwO3_PP9CBABIPKq6Shg1a3YAqABzZaczgPIAQOpAvoAmHqzELg-4AIAqAMByAOZBKoE7gFP0H2i8vPgMdpfwuwlpPmSq5NQe4lljwDz1WQmW9_xhuEEwFghZ4tr1QLye_4MHq9U37yQECIov2M9zKWAHUpaRtS9BDVUCpOlGhWniTRirxfdLDGj5yfVk0nZpnrNpFN_S1zkLwQEcWIwF1k8SSY6uw-6b7F2g8lgu8e1Rmss1IpojyfY8dUIWxSxbl00tOIc5nuutwChYvRpl8NBnuNo0pgiqdeOeBMJxIuqfwxFhVV-wsva6ctoYFhRZNGeP6llIHr6T3arJy6VFigPUuCkdnO0KnKrEdcqN_onvDaKh66WOoA7a7E5DGeN4Lpp4AQBiAYBoAYD2AYCgAeb6eMxqAemvhvYBwE\u0026sigh=kS9ULzrC5vM"]],300,250,1,0,null,"CPfGgvmJns0CFVKeGwod2y8PKg","",[null,null,null,null,null,1,[[[null,1000,9,2,4],["10,10,10,10",null,9,2]]]],"ca-pub-8750086020675820",300,250,0,"_blank",null,null,0,"https://tpc.googlesyndication.com",null,0,0,-1694557648,null,null,null,[0.9,0,10,0,[0,0,0],1000,0,"",-1,-1,300,0],null,null,null,null,null,null,null,4]);(function(_){_.Pb.prototype.Kn=_.p(26,function(){return null!=this.g[0]});var kj=function(a){this.g=a||[]};kj.prototype.Kn=function(){return null!=this.g[1]};kj.prototype.getDuration=function(){var a=this.g[1];return null!=a?a:0};var lj=function(a){a=a.g[2];return null!=a?a:0},mj=function(a){a=a.g[3];return null!=a?a:1};kj.prototype.Lh=function(){var a=this.g[4];return null!=a?a:1};kj.prototype.rn=function(){var a=this.g[5];return null!=a?a:0};var nj=function(a){this.g=a||[]},oj=function(a){this.A=a;this.ca=null;this.Uk=_.be(this.A,"data-ifc");this.vv={};this.gi=[];this.up=[];this.Vc={};this.qp=this.Rk=this.kC=null;this.ac=!!window.osdlamrc;for(a=0;at.clientX||0>t.clientY||0>n||0>J)m=!1;else{if(t=null!=y.Ka.g[0])t=y.Ka.g[0],t=rj(null!=t?t:""),t=!(n>=t.left&&J>=t.top&&m-n>=t.right&&k-J>=t.bottom);t||null==y.Ka.g[6]||(y=y.Ka.g[6],y=rj(null!=y?y:""),y.top*=k/100,y.bottom*=k/100,y.left*=m/100,y.right*=m/100,t=!(n>=y.left&&J>=y.top&&m-n>=y.right&&k-J>=y.bottom));t&&this.ca&&this.ca.creativeConversionUrl()&&(m=this.ca.creativeConversionUrl()+"&label=blocked_border_click",_.ud(_.O,m,void 0));m=t}n=!m}n||(c=g,b=mj(g.Ka),d=lj(g.Ka))}else e[g.If]=!1}if(c){switch(mj(c.Ka)){case 2:_.Od(a);break;case 3:this.A.fireOnObject("common_show_15overlay",a);this.ca&&this.ca.creativeConversionUrl()&&(d=this.ca.creativeConversionUrl()+"&label=onepointfiveclick_first_click",_.ud(_.O,d,void 0));_.Od(a);break;case 4:this.A.fireOnObject("should_expand_action_button",a),_.Od(a)}if(a=null!=c.Ka.g[7])a=++c.mx,d=c.Ka.g[7],a=a>=(null!=d?d:0);a&&(c.Fj=!0)}!this.Vc[5]||void 0!=b&&1!==b||this.yi(5)};var qj=function(a,b){var c=b.Ka.Lh(),d,e=!1;if(3===c||6===c)if(e=!0,null===a.qp||3E3=d+b.Ka.getDuration())return-1=this.gi.length){var b=a[7];if(b!==this.kC)for(var b=0==b?0:Math.floor(20*b)+1,c=(0,_.C)(),d=this.gi.length;dinit_dom_intentful_click(adSlot);(function(){var g,k=this,aa=function(a){var b=typeof a;if("object"==b)if(a){if(a instanceof Array)return"array";if(a instanceof Object)return b;var c=Object.prototype.toString.call(a);if("[object Window]"==c)return"object";if("[object Array]"==c||"number"==typeof a.length&&"undefined"!=typeof a.splice&&"undefined"!=typeof a.propertyIsEnumerable&&!a.propertyIsEnumerable("splice"))return"array";if("[object Function]"==c||"undefined"!=typeof a.call&&"undefined"!=typeof a.propertyIsEnumerable&&!a.propertyIsEnumerable("call"))return"function"}else return"null";else if("function"==b&&"undefined"==typeof a.call)return"object";return b},l=function(a){var b=aa(a);return"array"==b||"object"==b&&"number"==typeof a.length},m=function(a){return"string"==typeof a},ba=function(a,b,c){return a.call.apply(a.bind,arguments)},ca=function(a,b,c){if(!a)throw Error();if(2b?1:0};var fa=Array.prototype.forEach?function(a,b,c){Array.prototype.forEach.call(a,b,c)}:function(a,b,c){for(var d=a.length,e=m(a)?a.split(""):a,f=0;fparseFloat(x)){w=String(z);break a}}w=x}var ra=w,sa={},ta=function(a){if(!sa[a]){for(var b=0,c=ea(String(ra)).split("."),d=ea(String(a)).split("."),e=Math.max(c.length,d.length),f=0;0==b&&f2*this.h&&I(this),!0):!1};var I=function(a){if(a.h!=a.i.length){for(var b=0,c=0;b=d.i.length)throw za;var e=d.i[b++];return a?e:d.o[e]};return e};var J=function(a,b){return Object.prototype.hasOwnProperty.call(a,b)};var Ba=function(a){if(a.m&&"function"==typeof a.m)return a.m();if(m(a))return a.split("");if(l(a)){for(var b=[],c=a.length,d=0;db)throw Error("Bad port number "+b);a.F=b}else a.F=null},Da=function(a,b,c){M(a);b instanceof P?(a.v=b,a.v.O(a.l)):(c||(b=Q(b,Ia)),a.v=new P(b,0,a.l))},M=function(a){if(a.ba)throw Error("Tried to modify a read-only Uri");};K.prototype.O=function(a){this.l=a;this.v&&this.v.O(a);return this};var O=function(a,b){return a?b?decodeURI(a.replace(/%25/g,"%2525")):decodeURIComponent(a):""},Q=function(a,b,c){return m(a)?(a=encodeURI(a).replace(b,Ja),c&&(a=a.replace(/%25([0-9a-fA-F]{2})/g,"%$1")),a):null},Ja=function(a){a=a.charCodeAt(0);return"%"+(a>>4&15).toString(16)+(a&15).toString(16)},Ea=/[#\/\?@]/g,Ga=/[\#\?:]/g,Fa=/[\#\?]/g,Ia=/[\#\?@]/g,Ha=/#/g,P=function(a,b,c){this.h=this.g=null;this.j=a||null;this.l=!!c},R=function(a){a.g||(a.g=new H,a.h=0,a.j&&ya(a.j,function(b,c){a.add(decodeURIComponent(b.replace(/\+/g," ")),c)}))};g=P.prototype;g.add=function(a,b){R(this);this.j=null;a=S(this,a);var c=this.g.get(a);c||this.g.set(a,c=[]);c.push(b);this.h+=1;return this};g.remove=function(a){R(this);a=S(this,a);return this.g.G(a)?(this.j=null,this.h-=this.g.get(a).length,this.g.remove(a)):!1};g.clear=function(){this.g=this.j=null;this.h=0};g.G=function(a){R(this);a=S(this,a);return this.g.G(a)};g.w=function(){R(this);for(var a=this.g.m(),b=this.g.w(),c=[],d=0;d(function(){var k=this,aa=function(a){var b=typeof a;if("object"==b)if(a){if(a instanceof Array)return"array";if(a instanceof Object)return b;var c=Object.prototype.toString.call(a);if("[object Window]"==c)return"object";if("[object Array]"==c||"number"==typeof a.length&&"undefined"!=typeof a.splice&&"undefined"!=typeof a.propertyIsEnumerable&&!a.propertyIsEnumerable("splice"))return"array";if("[object Function]"==c||"undefined"!=typeof a.call&&"undefined"!=typeof a.propertyIsEnumerable&&!a.propertyIsEnumerable("call"))return"function"}else return"null";else if("function"==b&&"undefined"==typeof a.call)return"object";return b},l=function(a){return"string"==typeof a},ba=function(a,b){var c=Array.prototype.slice.call(arguments,1);return function(){var b=c.slice();b.push.apply(b,arguments);return a.apply(this,b)}},p=Date.now||function(){return+new Date},q=function(a,b){var c=a.split("."),d=k;c[0]in d||!d.execScript||d.execScript("var "+c[0]);for(var e;c.length&&(e=c.shift());)c.length||void 0===b?d=d[e]?d[e]:d[e]={}:d[e]=b};var ca=function(a,b,c,d,e){if(e)c=a+("&"+b+"="+c);else{var f="&"+b+"=",g=a.indexOf(f);0>g?c=a+f+c:(g+=f.length,f=a.indexOf("&",g),c=0b?1:0};var ha=function(a,b,c){if("array"==aa(b))for(var d=0;dc?Math.max(0,a.length+c):c;if(l(a))return l(b)&&1==b.length?a.indexOf(b,c):-1;for(;cb?null:l(a)?a.charAt(b):a[b]]||""}var b=v;if(va())return wa(b);var b=ua(b),c={};la(b,function(a){c[a[0]]=a[1]});var d=ba(oa,c);return w("Opera")?a(["Version","Opera"]):w("Edge")?a(["Edge"]):x()?a(["Chrome","CriOS"]):(b=b[2])&&b[1]||""},wa=function(a){var b=/rv: *([\d\.]*)/.exec(a);if(b&&b[1])return b[1];var b="",c=/MSIE +([\d\.]+)/.exec(a);if(c&&c[1])if(a=/Trident\/(\d.\d)/.exec(a),"7.0"==c[1])if(a&&a[1])switch(a[1]){case "4.0":b="8.0";break;case "5.0":b="9.0";break;case "6.0":b="10.0";break;case "7.0":b="11.0"}else b="7.0";else b=c[1];return b};var ya=function(a){ya[" "](a);return a};ya[" "]=function(){};var za=function(a,b){for(var c in a)Object.prototype.hasOwnProperty.call(a,c)&&b.call(void 0,a[c],c,a)},Ba=function(){var a=Aa;if(!a)return"";var b=/.*[&#?]google_debug(=[^&]*)?(&.*)?$/;try{var c=b.exec(decodeURIComponent(a));if(c)return c[1]&&1e)return"";a.c.sort(function(a,b){return a-b});d=null;c="";for(var f=0;f=n.length){e-=n.length;b+=n;c=a.g;break}else a.l&&(c=e,n[c-1]==a.g&&--c,b+=n.substr(0,c),c=a.g,e=0);d=null==d?g:d}}f="";a.h&&null!=d&&(f=c+a.h+"="+(a.P||d));return b+f+""},Ha=function(a){if(!a.h)return a.o;var b=1,c;for(c in a.f)b=c.length>b?c.length:b;return a.o-a.h.length-b-a.g.length-1},Ia=function(a,b,c,d,e){var f=[];za(a,function(a,h){var m=Ka(a,b,c,d,e);m&&f.push(h+"="+m)});return f.join(b)},Ka=function(a,b,c,d,e){if(null==a)return"";b=b||"&";c=c||",$";"string"==typeof c&&(c=c.split(""));if(a instanceof Array){if(d=d||0,de?encodeURIComponent(Ia(a,b,c,d,e+1)):"...";return encodeURIComponent(String(a))};var La=function(a,b,c,d,e){try{var f;c instanceof Fa?f=c:(f=new Fa,za(c,function(a,b){var c=f,d=c.L++,e=Ga(b,a);c.c.push(d);c.f[d]=e}));if((d?a.O:Math.random())parseFloat(Ya)){Xa=String($a);break a}}Xa=Ya}var ab=Xa,bb={},D=function(a){return bb[a]||(bb[a]=0=b)){var d=0,e=function(){a();d++;db;){try{if(c.google_osd_static_frame)return c}catch(e){}try{if(c.aswift_0&&(!a||c.aswift_0.google_osd_static_frame))return c.aswift_0}catch(e){}b++;c=c!=c.parent?c.parent:null}return null},tb=function(a,b,c,d,e){if(10=e)){var f=Number(c[d].substr(0,e)),e=c[d].substr(e+1);switch(f){case 5:case 8:case 11:case 15:case 16:case 18:e="true"==e;break;case 4:case 7:case 6:case 14:case 20:case 21:case 22:case 23:case 24:e=Number(e);break;case 3:case 19:if("function"==aa(decodeURIComponent))try{e=decodeURIComponent(e)}catch(h){throw Error("Error: URI malformed: "+e);}break;case 17:e=ma(decodeURIComponent(e).split(","),Number)}b[f]=e}}b=b[0]?b:null}else b=null;if(b&&(c=new M(b[4],b[12]),P&&P.match(c))){for(c=0;cX&&!U&&2==Y&&nc(t,"osd2","hs="+X)},pc=function(){var a={};N(P,a);a[0]="goog_dom_content_loaded";var b=pb(a);try{nb(function(){ub(b)},10,"osd_listener::ldcl_int")}catch(c){}},qc=function(){var a={};N(P,a);a[0]="goog_creative_loaded";var b=pb(a);nb(function(){ub(b)},10,"osd_listener::lcel_int");bc=!0},rc=function(a){if(l(a)){a=a.split("&");for(var b=a.length-1;0if (window.top && window.top.postMessage) {window.top.postMessage('{"googMsgType": "adpnt"}', '*');}var ad = buildImageAd(adSlot, 0);adSlot.addAd(ad);adSlot.finalize('google_image_div');(function(_){var km=function(){this.zi=[];this.Wp={}};km.prototype.report=function(){for(var a=[],b=0;bregisterAd(ad, 'aw0'); {"uid":1,"hostPeerName":"http://tecnologia.elpais.com","initialGeometry":"{\"windowCoords_t\":0,\"windowCoords_r\":360,\"windowCoords_b\":519,\"windowCoords_l\":0,\"frameCoords_t\":1230,\"frameCoords_r\":330,\"frameCoords_b\":1500,\"frameCoords_l\":30,\"styleZIndex\":\"auto\",\"allowedExpansion_t\":0,\"allowedExpansion_r\":0,\"allowedExpansion_b\":0,\"allowedExpansion_l\":0,\"xInView\":0,\"yInView\":0}","permissions":"{\"expandByOverlay\":false,\"expandByPush\":false,\"readCookie\":false,\"writeCookie\":false}","metadata":"{\"shared\":{\"sf_ver\":\"1-0-4\",\"ck_on\":1,\"flash_ver\":\"0\"}}","reportCreativeGeometry":false,"isDifferentSourceWindow":false}" scrolling="no" marginwidth="0" marginheight="0" width="300" height="250" data-is-safeframe="true" style="margin: 0px auto; padding: 0px; border: 0px; font-family: inherit; font-size: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; vertical-align: bottom; box-sizing: border-box; max-width: 100%; display: block;">

Una fintech es, a grandes rasgos, cualquier aplicación o software que permita llevar a cabo una operación financiera a través de la tecnología. La banca retail -o de consumo-, el negocio de los medios de pago y los servicios relacionados con la gestión de activos y de patrimonios son, por este orden, los que se van a transformar de una forma más radical en los próximos cinco años.

La aparición de nuevas plataformas onlineque permiten la concesión de préstamos directos entre empresas y consumidores sin necesidad de intermediación bancaria o la proliferación de nuevos sistemas de pago (a través de aplicaciones móviles,wallets, tarjetas contactless, Paypal...) son algunos ejemplos claros. Pero hay muchos más.

Mooverang, startup participada por la OCU cuya app ofrece servicios de finanzas personales, ha llevado a cabo un análisis del sector fintech y elaborado un mapa de todas las que hay en España, tanto patrias como foráneas. Y ya les anticipamos que son muchas.

Las apps dedicadas a la financiación bancaria suelen ser más ágiles que los bancos y  laxas a la hora de conceder préstamos. Sin embargo, los tipo de interés en ocasiones son más altos

Según explica a Alexandre Lima, CEO de Mooverang, las fintech se pueden dividir en cuatro grandes grupos: medios de pago, financiación bancaria, gestoría, aplazamientos de pago y cambio de divisas. ¿Son prácticas? Eso depende de a cuáles nos estemos refiriendo. Por ejemplo, las dedicadas a la financiación bancaria suelen ser más ágiles que los bancos y sobre todo laxas a la hora de conceder préstamos. Sin embargo, los tipo de interés en ocasiones son más altos.

c?1:0};var n;a:{var p=b.navigator;if(p){var q=p.userAgent;if(q){n=q;break a}}n=""};var r=-1!=n.indexOf("Opera"),t=-1!=n.indexOf("Trident")||-1!=n.indexOf("MSIE"),u=-1!=n.indexOf("Edge"),v=-1!=n.indexOf("Gecko")&&!(-1!=n.toLowerCase().indexOf("webkit")&&-1==n.indexOf("Edge"))&&!(-1!=n.indexOf("Trident")||-1!=n.indexOf("MSIE"))&&-1==n.indexOf("Edge"),w=-1!=n.toLowerCase().indexOf("webkit")&&-1==n.indexOf("Edge"),x=function(){var a=b.document;return a?a.documentMode:void 0},y;a:{var z="",A=function(){var a=n;if(v)return/rv\:([^\);]+)(\)|;)/.exec(a);if(u)return/Edge\/([\d\.]+)/.exec(a);if(t)return/\b(?:MSIE|rv)[: ]([^\);]+)(\)|;)/.exec(a);if(w)return/WebKit\/(\S+)/.exec(a);if(r)return/(?:Version)[ \/]?(\S+)/.exec(a)}();A&&(z=A?A[1]:"");if(t){var B=x();if(null!=B&&B>parseFloat(z)){y=String(B);break a}}y=z}var C=y,D={},E=function(a){if(!D[a]){for(var c=0,d=f(String(C)).split("."),e=f(String(a)).split("."),k=Math.max(d.length,e.length),l=0;0==c&&le)d=a+"&nm="+d;else var e=e+4,k=a.indexOf("&",e),d=0 0) {var c = a.href.substring(0, bi+6); var d = a.href.substring(bi+6, a.href.length);var ei = d.indexOf("&");var r = '';if (ei >= 0)r = d.substring(ei, d.length);a.href = c + t + r; } else {a.href += "&clkt=" + t;}}}(function(){var d=this;var g=String.prototype.trim?function(a){return a.trim()}:function(a){return a.replace(/^[\s\xa0]+|[\s\xa0]+$/g,"")},m=function(a,b){return ab?1:0};var n;a:{var p=d.navigator;if(p){var q=p.userAgent;if(q){n=q;break a}}n=""};var r=-1!=n.indexOf("Opera"),t=-1!=n.indexOf("Trident")||-1!=n.indexOf("MSIE"),u=-1!=n.indexOf("Edge"),v=-1!=n.indexOf("Gecko")&&!(-1!=n.toLowerCase().indexOf("webkit")&&-1==n.indexOf("Edge"))&&!(-1!=n.indexOf("Trident")||-1!=n.indexOf("MSIE"))&&-1==n.indexOf("Edge"),w=-1!=n.toLowerCase().indexOf("webkit")&&-1==n.indexOf("Edge"),x=function(){var a=d.document;return a?a.documentMode:void 0},y;a:{var z="",A=function(){var a=n;if(v)return/rv\:([^\);]+)(\)|;)/.exec(a);if(u)return/Edge\/([\d\.]+)/.exec(a);if(t)return/\b(?:MSIE|rv)[: ]([^\);]+)(\)|;)/.exec(a);if(w)return/WebKit\/(\S+)/.exec(a);if(r)return/(?:Version)[ \/]?(\S+)/.exec(a)}();A&&(z=A?A[1]:"");if(t){var B=x();if(null!=B&&B>parseFloat(z)){y=String(B);break a}}y=z}var C=y,D={},E=function(a){if(!D[a]){for(var b=0,c=g(String(C)).split("."),e=g(String(a)).split("."),f=Math.max(c.length,e.length),l=0;0==b&&lc?e=b+f+e:(c+=f.length,f=b.indexOf("&",c),e=0b?1:0};var n;a:{var p=d.navigator;if(p){var q=p.userAgent;if(q){n=q;break a}}n=""};var r=-1!=n.indexOf("Opera"),t=-1!=n.indexOf("Trident")||-1!=n.indexOf("MSIE"),u=-1!=n.indexOf("Edge"),v=-1!=n.indexOf("Gecko")&&!(-1!=n.toLowerCase().indexOf("webkit")&&-1==n.indexOf("Edge"))&&!(-1!=n.indexOf("Trident")||-1!=n.indexOf("MSIE"))&&-1==n.indexOf("Edge"),w=-1!=n.toLowerCase().indexOf("webkit")&&-1==n.indexOf("Edge"),x=function(){var a=d.document;return a?a.documentMode:void 0},y;a:{var z="",A=function(){var a=n;if(v)return/rv\:([^\);]+)(\)|;)/.exec(a);if(u)return/Edge\/([\d\.]+)/.exec(a);if(t)return/\b(?:MSIE|rv)[: ]([^\);]+)(\)|;)/.exec(a);if(w)return/WebKit\/(\S+)/.exec(a);if(r)return/(?:Version)[ \/]?(\S+)/.exec(a)}();A&&(z=A?A[1]:"");if(t){var B=x();if(null!=B&&B>parseFloat(z)){y=String(B);break a}}y=z}var C=y,D={},E=function(a){if(!D[a]){for(var b=0,c=f(String(C)).split("."),e=f(String(a)).split("."),k=Math.max(c.length,e.length),l=0;0==b&&le)c=b+"&mb="+c;else{var e=e+4,k=b.indexOf("&",e);c=0 c?1:0};var m;a:{var r=b.navigator;if(r){var t=r.userAgent;if(t){m=t;break a}}m=""};var u=-1!=m.indexOf("Opera"),w=-1!=m.indexOf("Trident")||-1!=m.indexOf("MSIE"),x=-1!=m.indexOf("Edge"),y=-1!=m.indexOf("Gecko")&&!(-1!=m.toLowerCase().indexOf("webkit")&&-1==m.indexOf("Edge"))&&!(-1!=m.indexOf("Trident")||-1!=m.indexOf("MSIE"))&&-1==m.indexOf("Edge"),z=-1!=m.toLowerCase().indexOf("webkit")&&-1==m.indexOf("Edge"),A=function(){var a=b.document;return a?a.documentMode:void 0},B;a:{var C="",D=function(){var a=m;if(y)return/rv\:([^\);]+)(\)|;)/.exec(a);if(x)return/Edge\/([\d\.]+)/.exec(a);if(w)return/\b(?:MSIE|rv)[: ]([^\);]+)(\)|;)/.exec(a);if(z)return/WebKit\/(\S+)/.exec(a);if(u)return/(?:Version)[ \/]?(\S+)/.exec(a)}();D&&(C=D?D[1]:"");if(w){var E=A();if(null!=E&&E>parseFloat(C)){B=String(E);break a}}B=C}var F=B,G={},H=function(a){if(!G[a]){for(var c=0,d=k(String(F)).split("."),n=k(String(a)).split("."),v=Math.max(d.length,n.length),e=0;0==c&&e