{"id":14787,"date":"2019-03-26T09:49:45","date_gmt":"2019-03-26T15:49:45","guid":{"rendered":"http:\/\/otech.uaeh.edu.mx\/noti\/?p=14787"},"modified":"2019-03-26T09:49:53","modified_gmt":"2019-03-26T15:49:53","slug":"cobro-digital-cuando-la-tecnologia-alcanzo-a-la-banca","status":"publish","type":"post","link":"https:\/\/otech.uaeh.edu.mx\/noti\/economia\/cobro-digital-cuando-la-tecnologia-alcanzo-a-la-banca\/","title":{"rendered":"Cobro Digital: cuando la tecnolog\u00eda alcanz\u00f3 a la banca"},"content":{"rendered":"<h6>Hist\u00f3ricamente M\u00e9xico no ha sido un pa\u00eds con tradici\u00f3n de compras y transaccionalidad remotas. Nuestra infraestructura del correo f\u00edsico, de Correos de M\u00e9xico, es fallida, resultando en que los mexicanos no confiemos en \u00e9l. Su complemento, la mensajer\u00eda, se vuelve prohibitiva en precio.<\/h6>\n<p><!--more-->As\u00ed, no fuimos intensivos en ventas por cat\u00e1logo, telef\u00f3nicas o de alg\u00fan otro tipo. Hoy en d\u00eda nos referimos<span>\u00a0<\/span><em>al e-commerce<\/em><span>\u00a0<\/span>y<span>\u00a0<\/span><em>m-commerce<\/em><span>\u00a0<\/span>como servicios que habitan en la base de m\u00e1s de 106 millones de Smartphones que hay en M\u00e9xico. En t\u00e9rminos relativos el comercio electr\u00f3nico en M\u00e9xico ha tenido un crecimiento alto, que, sin embargo, en t\u00e9rminos absolutos sigue siendo muy bajo. pero destaco, crece r\u00e1pido en compras de servicios de transportaci\u00f3n (Uber), viajes, etc.<\/p>\n<h6>El mercado de prepago abarca 4 de cada 5 usuarios de telecomunicaciones m\u00f3viles, que no cuentan con tarjeta de cr\u00e9dito y normalmente utilizan redes WiFi para navegar en internet, debido a que adem\u00e1s no son usuarios de cr\u00e9dito para datos m\u00f3viles en sus equipos.<\/h6>\n<h6>Con este diagn\u00f3stico, el Banco de M\u00e9xico present\u00f3 en d\u00edas pasados el sistema CoDi (Cobro Digital) que permitir\u00e1 a los usuarios bancarios realizar transacciones sin dinero en efectivo hasta por $8 mil pesos con sus smartphones, como una extensi\u00f3n del Sistema de Pagos Electr\u00f3nicos (SPEI) y la utilizaci\u00f3n de c\u00f3digos QR (Quick Response code, pos sus siglas en ingl\u00e9s) y NFC (Near Field Communication).<\/h6>\n<h6 id=\"attachment_100201\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-100201\" src=\"https:\/\/www.etcetera.com.mx\/wp-content\/uploads\/2019\/03\/Cobro-Digital-cuando-la-tecnologi%CC%81a-alcanzo%CC%81-a-la-banca--1024x683.jpg\" alt=\"\" width=\"900\" height=\"600\" srcset=\"https:\/\/www.etcetera.com.mx\/wp-content\/uploads\/2019\/03\/Cobro-Digital-cuando-la-tecnologi\u0301a-alcanzo\u0301-a-la-banca--1024x683.jpg 1024w, https:\/\/www.etcetera.com.mx\/wp-content\/uploads\/2019\/03\/Cobro-Digital-cuando-la-tecnologi\u0301a-alcanzo\u0301-a-la-banca--300x200.jpg 300w, https:\/\/www.etcetera.com.mx\/wp-content\/uploads\/2019\/03\/Cobro-Digital-cuando-la-tecnologi\u0301a-alcanzo\u0301-a-la-banca--768x512.jpg 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/>Fuente: blog.prodware.es<\/h6>\n<h6>Si bien no todos los smartphones en M\u00e9xico cuentan hoy d\u00eda con la capacidad tecnol\u00f3gica de NFC, se decidi\u00f3 usarla ya que las tarjetas SIM son casi imposibles de clonar y consecuentemente son menos vulnerables por falsificaci\u00f3n, a diferencia de las tarjetas pl\u00e1sticas.<\/h6>\n<h6>As\u00ed que, a partir de septiembre de este a\u00f1o, \u201cpodremos realizar transacciones de tel\u00e9fono a tel\u00e9fono para realizar compras y pagos. Esta nueva App ser\u00e1 obligatoria para instituciones bancarias con m\u00e1s de 3.000 clientes\u201d, seg\u00fan coment\u00f3 Marcos Mart\u00ednez, presidente de la Asociaci\u00f3n de Bancos de M\u00e9xico (ABM).<\/h6>\n<h6>CoDi nos ayudar\u00e1 a estar conectados a un sistema de pagos que contribuir\u00e1 a la evoluci\u00f3n del sistema financiero mexicano.<\/h6>\n<h6>De acuerdo con la Condusef, algunos de los beneficios que se espera lograr con la implementaci\u00f3n de esta nueva modalidad para las transacciones son:<\/h6>\n<ul>\n<li>\n<h6>Contar con un medio digital de pago seguro, r\u00e1pido y eficiente: las transacciones ser\u00e1n realizadas al momento; sin restricci\u00f3n de horario, las 24 horas y los 365 d\u00edas del a\u00f1o.<\/h6>\n<\/li>\n<li>\n<h6>Lograr una mayor inclusi\u00f3n financiera: al permitir que los microempresarios puedan aceptar pagos electr\u00f3nicos sin costo adicional como el que les genera el uso de una Terminal Punto de Venta (TPV).<\/h6>\n<\/li>\n<li>\n<h6>Eliminar el cobro de comisiones: al menos en cuanto a las transferencias y pagos efectuados en el sistema CoDi.<\/h6>\n<\/li>\n<li>\n<h6>Disminuir el uso del papel moneda: para agilizar los pagos, adem\u00e1s de ayudar al medio ambiente.<\/h6>\n<\/li>\n<\/ul>\n<h6>Y anticipan que CoDi ser\u00e1 una excelente herramienta que permitir\u00e1 agilizar las operaciones bancarias y la oportunidad de que los peque\u00f1os negocios puedan aceptar pagos con tarjeta, sin cargo o comisi\u00f3n alguna.\u00b9<\/h6>\n<h6 id=\"attachment_100202\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-100202\" src=\"https:\/\/www.etcetera.com.mx\/wp-content\/uploads\/2019\/03\/Captura-de-pantalla-2019-03-24-a-las-21.34.55-1024x641.png\" alt=\"\" width=\"900\" height=\"563\" srcset=\"https:\/\/www.etcetera.com.mx\/wp-content\/uploads\/2019\/03\/Captura-de-pantalla-2019-03-24-a-las-21.34.55-1024x641.png 1024w, https:\/\/www.etcetera.com.mx\/wp-content\/uploads\/2019\/03\/Captura-de-pantalla-2019-03-24-a-las-21.34.55-300x188.png 300w, https:\/\/www.etcetera.com.mx\/wp-content\/uploads\/2019\/03\/Captura-de-pantalla-2019-03-24-a-las-21.34.55-768x481.png 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/>Fuente: http:\/\/www.lacerca.com<\/h6>\n<h6>La incorporaci\u00f3n de la tecnolog\u00eda al sistema bancario es transformacional ya que permite la inclusi\u00f3n de la poblaci\u00f3n que no est\u00e1 bancarizada aun, ya que, de acuerdo con Banxico, solo 34 millones de mexicanos tienen cuenta bancaria y dado a que m\u00e1s de 65 millones de mexicanos cuentan con<span>\u00a0<\/span><em>smartphones<\/em>, todos ellos son sujetos para ser integrados a este nuevo sistema de pagos.<\/h6>\n<h6>As\u00ed, es el nuevo ejercicio entre el sistema financiero, la bancarizaci\u00f3n, la profundizaci\u00f3n financiera y las posibilidades que abren y seguir\u00e1n brindando las tecnolog\u00edas de la informaci\u00f3n y las comunicaciones (TIC) seguir\u00e1 en constante dinamismo y evoluci\u00f3n.<\/h6>\n<p><strong>Fuente: Etcetera<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hist\u00f3ricamente M\u00e9xico no ha sido un pa\u00eds con tradici\u00f3n de compras y transaccionalidad remotas. Nuestra infraestructura del correo f\u00edsico, de Correos de M\u00e9xico, es fallida, resultando en que los mexicanos no confiemos en \u00e9l. Su complemento, la mensajer\u00eda, se vuelve prohibitiva en precio.<\/p>\n","protected":false},"author":1,"featured_media":14788,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[375],"tags":[],"class_list":["post-14787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cobro Digital: cuando la tecnolog\u00eda alcanz\u00f3 a la banca - Observatorio Tecnol\u00f3gico de Hidalgo<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/otech.uaeh.edu.mx\/noti\/economia\/cobro-digital-cuando-la-tecnologia-alcanzo-a-la-banca\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cobro Digital: cuando la tecnolog\u00eda alcanz\u00f3 a la banca - Observatorio Tecnol\u00f3gico de Hidalgo\" \/>\n<meta property=\"og:description\" content=\"Hist\u00f3ricamente M\u00e9xico no ha sido un pa\u00eds con tradici\u00f3n de compras y transaccionalidad remotas. 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