toggle menu
MasterCard
MasterCard

Corresponsalía bancaria y su papel en la inclusión financiera

La corresponsalía bancaria es un modelo que ha tenido una aceptación significativa.

Estimados lectores, en anteriores posts ya hemos hablado de la amplia gama de servicios y programas financieros que existen en el mercado, y cómo éstos han evolucionado y continúan expandiéndose con el objetivo de llegar a más personas. La corresponsalía bancaria es un modelo que ha tenido una aceptación significativa, pues además de facilitar las transacciones, promueve la inclusión financiera, pero ¿qué es y quiénes participan?, ¿cuáles son los retos y beneficios de este esquema?

Los corresponsales bancarios son comercios e instituciones que establecen relaciones de negocio con un banco para ofrecer, a nombre de éste, servicios financieros a sus clientes, tales como depósitos, pagos de servicios y créditos, hasta retiro de efectivo. En resumen, se trata de un canal de distribución que la institución financiera utiliza para que sus clientes puedan hacer transacciones.

En este sentido, el gobierno, las entidades regulatorias y la industria financiera han realizado importantes esfuerzos para acercar los servicios bancarios a la base de la pirámide.

Con el panorama que les presento, creo que aún no podemos hablar de un modelo exitoso de inclusión financiera, basado en el crecimiento en la red de corresponsales o por el aumento en la emisión de tarjetas de crédito y débito. La inclusión financiera, va más allá de temas de oferta como la infraestructura y la creación de productos para cada segmento. Está claro que aún hay mucho recorrido a futuro en materia de inclusión financiera para que alcancemos objetivos importantes de bancarización además de los de conveniencia que ya se están dando.

Es fundamental crear campañas de comunicación que lleguen a toda la población y expongan los beneficios que conlleva utilizar los servicios bancarios. En MasterCard creemos que el principal reto de la industria radica en cómo hacer que la infraestructura existente sea explotada al máximo y llegue a más personas, por ejemplo, a las comunidades rurales del país en favor de mejorar su calidad de vida y actividad económica.

Sin duda, otro reto significativo en materia de corresponsalía tiene que ver con la interoperabilidad y la interconectividad de la red de pagos existentes. Cada banco, así como sucede con las compañías telefónicas en materia de pagos móviles, ha

creado su propio canal de comunicación con la cadena comercial con la que ha realizado la alianza.

Esta manera de operar resulta poco productiva para los participantes del modelo y para el usuario final, quien no puede realizar transacciones en cualquier comercio que funja como corresponsal, si éste no tiene un acuerdo con el banco en donde tiene vigente su cuenta de ahorro o crédito.

Es así como MasterCard, en su visión por un mundo más allá del efectivo, realiza esfuerzos por crear redes interoperables de modo que la banca, comercios y usuarios en general puedan utilizarlas de varias formas. Nuestro objetivo es sumar valor al sistema financiero a través de:

  • Habilitar transaccionalidad entre la población bancarizada y no bancarizada.
  • Aprovechar las alianzas entre diferentes operadores móviles y bancos.
  • Potenciar el uso de la infraestructura de pagos existente (Terminal Punto de Venta, ATM’s, sucursales).
  • Utilizar la infraestructura emergente (distribuidores de compra de tiempo aire, agentes multifuncionales, corresponsales bancarios, etc.).

Para finalizar, pongo a su consideración los beneficios que ofrece el modelo de corresponsalía bancaria a los diferentes participantes. En MasterCard, sabemos que este modelo es clave en el desarrollo de la estrategia de inclusión financiera, sin embargo, para que ésta tenga el éxito esperado, es necesario que su diseño e implementación logren un balance entre la protección a los usuarios y la flexibilidad suficiente para permitir la innovación necesaria con el fin de incrementar la oferta de servicios financieros para la población de menores ingresos.

Beneficios para los diferentes participantes en el modelo de corresponsalía bancaria.

text


Jorge Fernández

Director de Aceptación para Centroamérica

486 Replies to “Corresponsalía bancaria y su papel en la inclusión financiera

  1. Pingback: viagra on sale
  2. Pingback: discount cialis
  3. Pingback: prices of cialis
  4. Pingback: Viagra jelly
  5. Pingback: Overnight viagra
  6. Pingback: albuterol inhaler
  7. Pingback: ciprofloxacina 750
  8. Pingback: viagra 100mg
  9. Pingback: cialis price
  10. Pingback: cialis generic
  11. Pingback: best ed pills
  12. Pingback: cialis 20 mg
  13. Pingback: walmart pharmacy
  14. Pingback: Get cialis
  15. Pingback: vardenafil price
  16. Pingback: vardenafil usa
  17. Pingback: buy viagra
  18. Pingback: online casino
  19. Pingback: discount cialis
  20. Pingback: loan online
  21. Pingback: cash loans
  22. Pingback: instant loans
  23. Pingback: viagra pills
  24. Pingback: cialis 20
  25. Pingback: Mybookie
  26. Pingback: generic for cialis
  27. Pingback: cialis generic
  28. Pingback: cialis 20
  29. Pingback: cialis buy
  30. Pingback: casino slots
  31. Pingback: hollywood casino
  32. Pingback: online casinos usa
  33. Pingback: casinos
  34. Pingback: viagra coupon
  35. Pingback: sildenafil online
  36. Pingback: cheapest viagra
  37. Pingback: tadalafil citrate
  38. Pingback: tadalafil cialis
  39. Pingback: viagra price
  40. Pingback: chumba casino
  41. Pingback: real online casino
  42. Pingback: cheap propecia
  43. Pingback: buy sildenafil
  44. Pingback: buy cialis
  45. Pingback: sildenafil
  46. Pingback: cheap viagra
  47. Pingback: cheap sildenafil
  48. Pingback: cialis pricing
  49. Pingback: order sildenafil
  50. Pingback: viagra online
  51. Pingback: Cialis 80mg nz
  52. Pingback: buy generic viagra
  53. Pingback: viagra canada
  54. Pingback: cheap viagra
  55. Pingback: online cialis
  56. Pingback: cialis online
  57. Pingback: lasix 100mg canada
  58. Pingback: viagra for sale
  59. Pingback: cialis
  60. Pingback: cheap cialis
  61. Pingback: buy cialis bangkok
  62. Pingback: generic viagra
  63. Pingback: generic viagra
  64. Pingback: viagra with bpay
  65. Pingback: generic cialis
  66. Pingback: ceclor tablets
  67. Pingback: cheap viagra
  68. Pingback: reasons for ed
  69. Pingback: celexa 10mg tablet
  70. Pingback: order cephalexin
  71. Pingback: cipro otc
  72. Pingback: rxtrustpharm
  73. Pingback: cheap ed pills
  74. Pingback: real money casino
  75. Pingback: online gambling
  76. Pingback: online slots
  77. Pingback: online slots
  78. Pingback: rxtrustpharm.com
  79. Pingback: casino games
  80. Pingback: buy tadalafil
  81. Pingback: car insurance usaa
  82. Pingback: treating ed
  83. Pingback: products for ed
  84. Pingback: Buy viagra us
  85. Pingback: cbd oil arthritis
  86. Pingback: cbd oil benefits
  87. Pingback: buy college essay
  88. Pingback: buy an essay paper
  89. Pingback: real viagra
  90. Pingback: discount viagra
  91. Pingback: white paper writer
  92. vVGNt9 I think the admin of this site is genuinely working hard

  93. Pingback: clomid price
  94. Pingback: clonidine prices
  95. Pingback: Buy online viagra
  96. Pingback: clozaril australia
  97. Stunning story there. What happened after? Good luck!

  98. Pingback: Buy brand viagra
  99. Pingback: coumadin cost
  100. Pingback: order cozaar 25 mg
  101. Pingback: buy cheap viagra
  102. casino sites dice:

    You made some nice points there. I did a search on the subject matter and found most persons will approve with your blog.

  103. Thank you for helping out, wonderful info. It does not do to dwell on dreams and forget to live. by J. K. Rowling.

  104. Pingback: diamox for sale
  105. Muchos Gracias for your article post.Thanks Again. Awesome.

  106. This is one awesome article post.Much thanks again. Really Great.

  107. Pingback: viagra
  108. Tattoo Shops dice:

    Really enjoyed this article post. Great.

  109. Just Browsing While I was surfing today I noticed a excellent post about

  110. There is a bundle to find out about this. You made nice points also.

  111. Pingback: generic drugs
  112. Pingback: erythromycin uk
  113. Major thanks for the post.Really looking forward to read more. Cool.

  114. plumber seo dice:

    I will not talk about your competence, the write-up just disgusting

  115. I will immediately take hold of your rss feed as I can not in finding your e-mail subscription link or newsletter service. Do you ave any? Kindly let me recognize so that I could subscribe. Thanks.

  116. I wanted to thank you for this good read!! I definitely enjoyed every bit of it. I have you book-marked to look at new things you post

  117. wow, awesome article post.Thanks Again. Keep writing. see sex gifs

  118. Pingback: generic Nolvadex
  119. Pingback: etodolac pills
  120. go to see dice:

    My brother recommended I might like this web site. He was entirely right. This post actually made my day. You can not imagine just how much time I had spent for this info! Thanks!

  121. Pingback: soma therapy ed
  122. Pingback: hyzaar tablet
  123. Tattoo dice:

    There is noticeably a bundle to know about this. I assume you made certain nice factors in features also.

  124. Say, you got a nice blog article.Much thanks again. Much obliged.

  125. Way cool! Some very valid points! I appreciate you penning this article and also the rest of the website is really good.

  126. Pingback: tadalafil pills
  127. Pingback: imodium canada
  128. Produk QNET dice:

    This is a topic that is near to my heart Best wishes!

  129. There is certainly a lot to know about this subject. I like all of the points you made.

  130. Utterly indited articles , regards for information.

  131. some truly excellent posts on this web site , thankyou for contribution.

  132. Pingback: hop over to here
  133. You made some really good points there. I looked on the internet for additional information about the issue and found most individuals will go along with your views on this website.

  134. Very good article! We are linking to this great content on our website. Keep up the great writing.

  135. Some genuinely good posts on this internet site , appreciate it for contribution.

  136. Pingback: indocin 25 mg cost
  137. I value the blog article.Really looking forward to read more.

  138. Pingback: cost of lamisil
  139. Pingback: generic sildenafil
  140. Pingback: viagra for sale
  141. This particular blog is really awesome and diverting. I have picked up helluva handy things out of this blog. I ad love to visit it over and over again. Thanks!

  142. Pingback: best ed drugs
  143. They can get more such compact discs they will captured at home for me to give attention to for in

  144. Very interesting information!Perfect just what I was looking for! аАТ’аЂа‹I have great faith in fools аАа’аАТ‚б‚Т€Т self confidence my friends call it.аАТ’аЂа› by Edgar Allan Poe.

  145. I see something genuinely interesting about your website so I bookmarked.

  146. Say, you got a nice article post.Much thanks again. Really Cool.

  147. Wow, marvelous blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your site is great, as well as the content!

  148. Very good post. I will be going through some of these issues as well..

  149. Spot on with this write-up, I seriously believe that this website needs a lot more attention. I all probably be back again to see more, thanks for the advice!

  150. Pingback: Imdur
  151. The facts mentioned within the article are a few of the most beneficial readily available

  152. ufabet dice:

    Major thankies for the blog article.Really looking forward to read more. Great.

  153. descubrir dice:

    Nice blog here! Also your web site loads up fast! What host are you using? Can I get your affiliate link to your host? I wish my website loaded up as fast as yours lol

  154. Pingback: Aciclovir for sale
  155. Pingback: mobic online
  156. SARIT Yap Malzemeleri dikenli tel Kocaeli, Izmit, Derince ve evresinde it Sistemleri Panel it rg Tel Kafesli Tel Dikenli Tel Jiletli Tel Fileli Tel Ferforje Sarit

  157. is this a trending topic I would comparable to get additional regarding trending topics in lr web hosting accomplish you identify any thing on this

  158. Pingback: canadian pharmacy
  159. Thanks again for the blog article.Really looking forward to read more.

  160. Thank you for the good writeup. It in fact was a amusement account it. Look advanced to more added agreeable from you! By the way, how could we communicate?|

  161. Way cool! Some very valid points! I appreciate you writing this write-up plus the rest of the site is also very good.

  162. Pingback: nortriptyline usa
  163. Wow, superb blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your web site is great, as well as the content!

  164. Pingback: order phenergan
  165. Pingback: viagra
  166. site I think other website proprietors should take this site as an model, very clean and fantastic user friendly style and design, as well as the content. You\ are an expert in this topic!

  167. loans zoopla dice:

    Wow! This blog looks just like my old one! It as on a completely different topic but it has pretty much the same layout and design. Outstanding choice of colors!

  168. wow, awesome blog article.Really thank you! Keep writing.

  169. Really appreciate you sharing this post.Really looking forward to read more. Really Great.

  170. What as up it as me, I am also visiting this site daily, this

  171. this website dice:

    merely achieve full lf on finished bread, and as well portion that honestly

  172. Pingback: viagra prices
  173. Thanks for the article.Much thanks again. Want more.

  174. Pingback: proscar 5mg tablet
  175. Her response dice:

    Outstanding post, you have pointed out some wonderful details, I likewise believe this is a very great website.

  176. This article has truly peaked my interest. I am going to take a note of your site and keep checking for new details about once per week. I opted in for your RSS feed too.

  177. giay da banh dice:

    Remarkable issues here. I am very happy to

  178. you possess an incredible weblog right here! would you like to make some invite posts in my weblog?

  179. Pingback: viagra wikipedia
  180. Thanks again for the blog.Really thank you! Really Cool.

  181. Is going to be again continuously to check up on new posts

  182. vymaz s.r.o. dice:

    I truly appreciate this article.Much thanks again. Cool.

  183. This is really interesting, You are a very skilled blogger. I ave joined your rss feed and look forward to seeking more of your great post. Also, I have shared your web site in my social networks!

  184. Pingback: pyridium 200 mg uk
  185. mXBQdz I value the article post.Thanks Again. Awesome.

  186. you be rich and continue to guide others.

  187. Pingback: allegra 100 tablet
  188. I will immediately snatch your rss feed as I can not to find your email subscription hyperlink or newsletter service. Do you ave any? Kindly permit me recognize so that I could subscribe. Thanks.

  189. Pingback: zyrtec 2
  190. Pingback: risperdal 4 mg nz
  191. Pingback: rogaine cost
  192. shopping so appаА аЂа•аА аЂаling. There are mаА аЂаny things which eveаА аБТ–y Internet shopper

  193. My brother recommended I might like this blog. He was entirely right. This post truly made my day. You cann at imagine simply how much time I had spent for this info! Thanks!

  194. You might have some genuine insight. Why not hold some kind of contest for your readers?

  195. Pingback: skelaxin 400mg usa
  196. I used to be suggested this web site by means

  197. Muchos Gracias for your blog article.Thanks Again. Awesome.

  198. see it now dice:

    Thank you for your blog article. Fantastic.

  199. dewatogel dice:

    Thank you ever so for you post.Really looking forward to read more. Keep writing.

  200. It as not that I want to copy your internet site, but I really like the pattern. Could you let me know which style are you using? Or was it especially designed?

  201. You made some really good points there. I looked on the web for more info about the issue and found most individuals will go along with your views on this web site.

  202. Pingback: tenormin usa
  203. Thanks again for the blog article.Really looking forward to read more. Will read on

  204. This is one awesome article.Much thanks again. Will read on

  205. Some truly prize blog posts on this site, bookmarked.

  206. I’а†ve read several exceptional stuff here. Undoubtedly worth bookmarking for revisiting. I surprise how a lot attempt you set to make this kind of wonderful informative web site.

  207. Muchos Gracias for your article. Will read on

  208. Thank you for your blog.Thanks Again. Really Cool.

  209. Really appreciate you sharing this blog post.Really thank you! Will read on

  210. Thanks so much for the blog article.Thanks Again. Will read on

  211. you got a very wonderful website, Glad I discovered it through yahoo.

  212. My brother suggested I might like this web site. He was entirely right. This post truly made my day. You can not imagine just how much time I had spent for this info! Thanks!

  213. Pingback: Google
  214. Pingback: buy voltaren
  215. Pingback: wellbutrin price
  216. Now I am ready to do my breakfast, once having my breakfast coming yet again to read other news. Look at my blog post; billigste ipad

  217. There is apparently a bundle to identify about this. I believe you made certain nice points in features also.

  218. Wow! This could be one particular of the most useful blogs We ave ever arrive across on this subject. Basically Great. I am also a specialist in this topic therefore I can understand your effort.

  219. Very good article. I will be facing many of these issues as well..

  220. You ought to be a part of a contest for one of the best sites on the net.

  221. Pingback: click for info
  222. Utterly pent content, appreciate it for information. No human thing is of serious importance. by Plato.

  223. Major thankies for the article. Really Cool.

  224. Nuvoryn test Since the MSM is totally skewed, what blogs/websites have you found that give you information that the MSM ignores?.

  225. Pingback: buy zovirax
  226. When are you going to take this to a full book?

  227. I think other web-site proprietors should take this website as an model, very clean and magnificent user friendly style and design, let alone the content. You are an expert in this topic!

  228. girlswinmn dice:

    I truly appreciate this article.Much thanks again. Cool.

  229. you are stating and the best way by which you assert it.

  230. I truly appreciate this blog. Keep writing.

  231. Must tow line I concur! completely with what you said. Good stuff. Keep going, guys..

  232. click here dice:

    You can definitely see your enthusiasm in the work you write. The world hopes for even more passionate writers like you who are not afraid to say how they believe. Always follow your heart.

  233. This is a good tip especially to those new to the blogosphere. Simple but very accurate info Thank you for sharing this one. A must read article!

  234. Pingback: zyprexa australia
  235. There most be a solution for this problem, some people think there will be now solutions, but i think there wil be one.

  236. You made some really good points there. I checked on the web to find out more about the issue and found most people will go along with your views on this web site.

  237. maha168 dice:

    Very good article. I am going through a few of these issues as well..

  238. Pingback: cheapest zyvox
  239. Very good post. I absolutely love this website. Continue the good work!

  240. You have brought up a very superb points , thankyou for the post.

  241. You made some first rate factors there. I seemed on the web for the problem and located most people will associate with along with your website.

  242. Wow, superb blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your site is excellent, let alone the content!

  243. Thanks for sharing, this is a fantastic article. Keep writing.

  244. Wow! Thank you! I constantly needed to write on my site something like that. Can I take a fragment of your post to my blog?

  245. visit this website What is the best blogging platform for a podcast or a video blog?

  246. You made some really good points there. I checked on the internet for more info about the issue and found most people will go along with your views on this web site.

  247. I really loved what you had to say, and more than that,

  248. Major Thanks For This Article I am thankful for the superb article post. In fact looking forward to continue reading. Will read on

  249. SDD Cloud dice:

    This is a topic which is near to my heart Best wishes! Where are your contact details though?

  250. I value the blog article.Much thanks again.

  251. go to see dice:

    I think other site proprietors should take this website as an model, very clean and excellent user friendly style and design, let alone the content. You are an expert in this topic!

  252. IaаАа’б‚Т€ТšаЂаŒаАа’б‚Т€ТžаБТžve read some good stuff here. Certainly worth bookmarking for revisiting. I wonder how much effort you put to make such a fantastic informative web site.

  253. ugg australia аАа’аАТ‚аЂТ˜classic tall bomber a boot women

  254. Value the blog you offered.. My personal web surfing seem total.. thanks. sure, investigation is paying off. Excellent views you possess here..

  255. Pingback: cheap aripiprazole
  256. Your style is so unique in comparison to other people I ave read stuff from.

  257. Very neat blog post.Really looking forward to read more. Keep writing.

  258. Very interesting topic, appreciate it for putting up.

  259. Some genuinely prize content on this website , saved to my bookmarks.

  260. Thanks for the blog post.Thanks Again. click here

  261. Interesting post. Can??t wait to hear more!

  262. Really informative blog article.Thanks Again. Fantastic.

  263. Pingback: meclizine nz
  264. This is a great tip particularly to those fresh to the blogosphere. Short but very accurate information Appreciate your sharing this one. A must read article!

  265. Pingback: leflunomide prices
  266. Looking forward to reading more. Great blog post.Really looking forward to read more. Keep writing.

  267. Pingback: atomoxetine usa
  268. This blog was how do I say it? Relevant!! Finally I have found something that helped me. Thanks!

  269. Muchos Gracias for your blog article.Much thanks again. Want more.

  270. Pingback: sildenafil
  271. joker123 apk dice:

    I was examining some of your content on this site and I believe this internet site is very instructive! Keep on posting.

  272. Say, you got a nice article.Thanks Again.

  273. Thanks , I have just been looking for information about this topic for ages and yours is the best I have discovered till now. But, what about the conclusion? Are you sure about the source?

  274. Thank you ever so for you article. Cool.

  275. Marvelous, what a website it is! This web site gives useful information to us, keep it up.

  276. Pingback: dutasteride usa
  277. Pingback: olmesartan usa
  278. What as up, is it rite to just study from publications not to pay a quick visit world wide web for hottest updates, what you say friends?

  279. You have noted very interesting details ! ps decent web site. He that will not sail till all dangers are over must never put to sea. by Thomas Fuller.

  280. Some really great info , Gladiolus I detected this.

  281. Thank you ever so for you post.Thanks Again. Awesome.

  282. Say, you got a nice post.Really looking forward to read more. Awesome.

  283. Lacoste Outlet Online Hi there, just wanted to tell you, I enjoyed this post. It was helpful. Keep on posting!

  284. Thanks again for the article.Really looking forward to read more. Want more.

  285. What is the difference between Computer Engineering and Computer Science?

  286. Pretty nice post. I just stumbled upon your weblog and wished to say that I ave really enjoyed browsing your blog posts. In any case I all be subscribing to your feed and I hope you write again soon!

  287. Pingback: tadalafil 20 mg
  288. There is evidently a bundle to identify about this. I consider you made some nice points in features also.

  289. It as wonderful that you are getting ideas from this piece of writing as well as from our dialogue made at this time.

  290. Really enjoyed this article.Thanks Again. Really Cool.

  291. Pingback: buy ciprofloxacin
  292. My brother recommended I might like this web site. He was totally right. This post actually made my day. You can not imagine simply how much time I had spent for this information! Thanks!

Deja una respuesta

Tu dirección de correo electrónico no será publicada. Los campos obligatorios están marcados con *