{"id":32215,"date":"2021-09-13T13:49:52","date_gmt":"2021-09-13T11:49:52","guid":{"rendered":"https:\/\/www.monempresarial.com\/2021\/09\/13\/fintech\/"},"modified":"2025-06-06T10:01:53","modified_gmt":"2025-06-06T08:01:53","slug":"fintech","status":"publish","type":"post","link":"https:\/\/www.monempresarial.com\/ca\/2021\/09\/13\/fintech\/","title":{"rendered":"El concepte econ\u00f2mic: Fintech<\/em>"},"content":{"rendered":"<p><strong><em>Fintech<\/em> \u00e9s un concepte molt recent que es troba en estat de definici\u00f3 i que s\u2019ha constru\u00eft mitjan\u00e7ant la fusi\u00f3 dels termes <em>finance<\/em> i <em>technology<\/em>.<\/strong><\/p>\n<h4><span style=\"color: #000000;\"><strong>JUAN CARLOS ROBLES.<\/strong><strong> Deg\u00e0 del Col\u00b7legi d\u2019Economistes de M\u00e0laga.<\/strong><\/span><\/h4>\n<hr \/>\n<p>La idea b\u00e0sica del <em>Fintech<\/em> \u00e9s aglutinar aquelles empreses que presten serveis financers a trav\u00e9s de les noves tecnologies de la informaci\u00f3, les aplicacions m\u00f2bils o el <em>big data<\/em>, de forma que s\u2019agilitzi i s\u2019optimitzi la manera d\u2019entendre i prestar els serveis financers perqu\u00e8 es minimitzen costos, s\u2019eliminen intermediaris i es proporcionen serveis que, sense el suport tecnol\u00f2gic, no seria possible oferir.<br \/>\nEntre els <strong>sectors econ\u00f2mics<\/strong> en els quals actua el <em>Fintech<\/em> podem identificar-ne els seg\u00fcents:<\/p>\n<ul>\n<li>Banca m\u00f2bil<\/li>\n<li><em>Big data<\/em>\u00a0i models predictius<\/li>\n<li><em>Compliance<\/em><\/li>\n<li><em>Crowdfunding<\/em><\/li>\n<li>Criptomonedes i monedes alternatives<\/li>\n<li>Mercat de divises<\/li>\n<li>Gesti\u00f3 automatitzada de processos i digitalitzaci\u00f3<\/li>\n<li>Gesti\u00f3 del risc<\/li>\n<li>Pagaments i transfer\u00e8ncies<\/li>\n<li>Pr\u00e9stecs P2P<\/li>\n<li>Assegurances<\/li>\n<li>Seguretat i privacitat<\/li>\n<li>Serveis d\u2019assessorament financer<\/li>\n<li><em>Trading<\/em><\/li>\n<\/ul>\n<p><strong>Estat actual i expectatives<\/strong><br \/>\nEn l\u2019actualitat, aquest nou sector comen\u00e7a a ser una realitat i a consolidar-se de forma progressiva arreu d\u2019Espanya. Algunes de les entitats financeres principals del pa\u00eds, com el BBVA, han establert el seu pol estrat\u00e8gic principal en la transformaci\u00f3 tecnol\u00f2gica del seu entorn de treball i de la seva cartera de serveis. Tot el sector financer \u00e9s, en conjunt, el motor principal que impulsa el <em>Fintech<\/em>, tant a Espanya com a la resta del m\u00f3n.<br \/>\nEl fet que siguin les entitats financeres les que \u201cporten el tim\u00f3\u201d del <em>Fintech<\/em> no \u00e9s casual. Les bondats d\u2019aquesta ind\u00fastria quant a abaratiment de costos, efici\u00e8ncia en la prestaci\u00f3 de serveis o desintermediaci\u00f3 del sector estan causant un veritable terratr\u00e8mol en l\u2019estructura de l\u2019oferta de serveis financers amb l\u2019entrada de nous competidors al mercat, fet que obliga el sector financer tradicional a reinventar-se per no quedar-ne exclosos.<br \/>\nSi en mirem les xifres, en nom\u00e9s tres anys el mercat alternatiu financer ha crescut un 48% i Espanya se situa com a sis\u00e8 mercat m\u00e9s important de finan\u00e7ament alternatiu, amb una crescuda de 6,3 milions l\u2019any 2012 a 2 bilions l\u2019any 2014. En els \u00faltims anys, aquest sector ha assolit una velocitat de creuer amb un creixement anual gens menyspreable: al voltant del 150% respecte l\u2019any anterior.<br \/>\nQuant a la distribuci\u00f3 d\u2019aquest sector a Espanya, amb quasi 400 empreses d\u2019aquest tipus, destaquen amb claredat les empreses de cr\u00e8dit. Despr\u00e9s hi figuren les dedicades a pagaments electr\u00f2nics, que suposen un 15% del total. Les empreses dedicades a inversions i les entitats que ofereixen solucions comptables i fiscals s\u00f3n les que actualment experimenten un creixement m\u00e9s alt. En conjunt, aquestes activitats sumarien m\u00e9s d\u2019un 22% del total del sector.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter wp-image-32233 \" src=\"https:\/\/www.monempresarial.com\/wp-content\/uploads\/2021\/09\/CUADRO-CAT.jpg\" alt=\"\" width=\"689\" height=\"277\" srcset=\"https:\/\/www.monempresarial.com\/wp-content\/uploads\/2021\/09\/CUADRO-CAT.jpg 872w, https:\/\/www.monempresarial.com\/wp-content\/uploads\/2021\/09\/CUADRO-CAT-300x121.jpg 300w, https:\/\/www.monempresarial.com\/wp-content\/uploads\/2021\/09\/CUADRO-CAT-300x121@2x.jpg 600w\" sizes=\"(max-width: 689px) 100vw, 689px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fintech es un concepto muy reciente que se encuentra en estado de definici\u00f3n y que se ha construido mediante la fusi\u00f3n de los t\u00e9rminos finance y technology.<\/p>\n","protected":false},"author":97,"featured_media":32214,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"mc4wp_mailchimp_campaign":[],"jnews-multi-image_gallery":[],"jnews_single_post":{"source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"bottom","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"0","show_post_reading_time":"1","post_reading_time_wpm":"300","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"0","show_popup_post":"1","number_popup_post":"2","show_author_box":"1","show_post_related":"1","show_inline_post_related":"1"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-715","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"10845","hide":""}},"categories":[9,10820,10815,10845,10729,7954],"tags":[10218,10244,265,436,617,1174,1181,7527],"_links":{"self":[{"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/posts\/32215"}],"collection":[{"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/comments?post=32215"}],"version-history":[{"count":3,"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/posts\/32215\/revisions"}],"predecessor-version":[{"id":46094,"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/posts\/32215\/revisions\/46094"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/media\/32214"}],"wp:attachment":[{"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/media?parent=32215"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/categories?post=32215"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.monempresarial.com\/ca\/wp-json\/wp\/v2\/tags?post=32215"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}