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Región en Blanco y Negro

Cinco razones por las que las empresas FinTech representan una oportunidad para las instituciones financieras y las PYME

blog-FinTech

Por Greg Da Re

El acceso al financiamiento ha sido y sigue siendo el principal obstáculo al que se enfrentan las pequeñas y medianas empresas (PYME). Una encuesta reciente indica que, aunque el 90% de los bancos encuestados de América Latina y el Caribe considera que las PYME tienen importancia estratégica para su negocio, un 44% reconoce que su cartera no tiene productos financieros adecuados para ellas.

Además, los empresarios de la región se enfrentan a diversas dificultades a la hora de realizar sus operaciones cotidianas: desde enviar cheques a sus proveedores hasta solicitar un crédito. Las operaciones financieras tradicionales llevan tiempo, exigen cierto grado de conocimiento técnico y están sujetas a plazos estrictos.

Las empresas que utilizan software para ofrecer servicios financieros, conocidas como FinTech, dan respuesta a estos retos ofreciendo soluciones innovadoras. Estas son cinco razones por las que representan una oportunidad para las instituciones financieras y PYME de América Latina y el Caribe:

1. Las FinTech facilitan el financiamiento para las PYME

Las FinTech han dado lugar a la creación de plataformas de microfinanciación colectiva o crowdfunding que actualmente son una alternativa de financiamiento viable para las PYME. Empresas como Kubo Financiero, Afluenta o Funding Circle ponen en contacto directo a PYME con posibilidades de crecimiento y fuentes de financiamiento dispuestas a invertir en ellas. Estas plataformas aprovechan la tecnología digital para ofrecer préstamos más flexibles que los bancos tradicionales, con tasas de rendimiento atractivas para los microinversores. Por consiguiente, estas plataformas representan a la vez una amenaza y una oportunidad para los bancos.

2. Las FinTech impulsan el crecimiento del sector bancario

En la región hay más teléfonos celulares que personas con cuentas bancarias, según datos del Banco Mundial y  más de 300 millones de personas están conectadas a internet, informa Digital in the Round. Así, el crecimiento generalizado de las nuevas tecnologías también ha abierto el camino para el comercio electrónico.

El Informe sobre e-Readiness en Latinoamérica indica que el comercio electrónico crecerá un 13% al año en América Latina y el Caribe entre 2013 y 2018, gracias al aumento de la conectividad a través de internet y del número creciente de teléfonos celulares.

Esto hará posible que las PYME crezcan y aumenten la productividad accediendo a nuevos mercados. Además, la tecnología digital ofrece a las instituciones financieras sistemas más eficientes y servicios más accesibles, para que las PYME puedan utilizarlos las 24 horas del día desde una computadora personal o incluso un teléfono celular.

3. Las FinTech generan datos útiles sobre sus clientes

La conectividad genera una cantidad ingente de información (“Big Data”) que se puede analizar digitalmente para revelar patrones de conducta. Esto ha revolucionado el mundo de los negocios y ha cambiado la forma de vender y hacer campañas de marketing.

El Big Data proporciona a PYME, instituciones financieras y FinTech mucha más información sobre sus clientes. Esto hace posible personalizar las campañas en función de los destinatarios.

4. Las FinTech analizan el riesgo crediticio de formas innovadoras

Las FinTech han desempeñado un papel fundamental en el desarrollo de métodos nuevos y rentables para que los bancos determinen el riesgo de sus operaciones de crédito. Por ejemplo, Entrepreneurial Financial Lab utiliza parámetros psicométricos similares a los que se emplean en los departamentos de recursos humanos para analizar tanto la probabilidad de que un posible cliente pague sus deudas como su capacidad de hacerlo.

Estos métodos alternativos hacen posible que los bancos ofrezcan crédito a PYME con poco o ningún historial crediticio al recurrir a otros criterios que hacen posible evaluar si serán un buen pagador o no. Además, permiten acceder a fuentes de información distintas de las empleadas por los bancos tradicionales.

5. Las FinTech ofrecen liquidez con más flexibilidad y eficiencia

Antes, las PYME dedicaban mucho tiempo a obtener liquidez, una tarea fundamental. Las FinTech ofrecen una solución sencilla por medio del factoraje en línea (factoring) y otros servicios que ofrecen formas más eficientes y flexibles de mantener el flujo de efectivo. Este mecanismo permite cobrar de forma digital y en muy poco tiempo.

Las empresas de tecnología financiera son hoy una de las fuerzas motrices del desarrollo de la industria bancaria, ya sea como proveedoras de servicios o como intermediarias entre los bancos y sus clientes. Por ello es necesario crear espacios de diálogo y promoción de estas nuevas tendencias para que actores tanto del sector público como del sector privado puedan colaborar para mejorar la inclusión financiera en la región.

Para más información, visite el sitio web de FINPYME Forum, el Primer Foro sobre Innovación en Financiamiento para PYME de la región, que tendrá lugar en Medellín (Colombia) los días 21 y 22 de septiembre.


Sobre el autor

Greg Da Re es el jefe de la División de Estrategia e Innovación de la Corporación Interamericana de Inversiones (CII). Trabaja en la CII desde hace 10 años ayudando a la CII a ofrecer financiamiento y otros tipos de asistencia a las PYME de América Latina y el Caribe. Greg se ocupa de la planificación estratégica y la innovación de la institución. Para ello, da forma a la estrategia operativa de la CII y diseña y supervisa el lanzamiento de programas y servicios innovadores, como la plataforma InvestAmericas, y el contenido de los cursos y herramientas de conocimiento a través de internet.

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