{"id":1266,"date":"2018-11-13T17:42:09","date_gmt":"2018-11-13T17:42:09","guid":{"rendered":"http:\/\/departamentos.unileon.es\/economia-y-estadistica\/?p=1266"},"modified":"2018-11-13T17:53:53","modified_gmt":"2018-11-13T17:53:53","slug":"observatorio-de-la-digitalizacion-financiera-actualizacion-quincenal-2","status":"publish","type":"post","link":"https:\/\/departamentos.unileon.es\/economia-y-estadistica\/2018\/11\/13\/observatorio-de-la-digitalizacion-financiera-actualizacion-quincenal-2\/","title":{"rendered":"Observatorio de la Digitalizaci\u00f3n Financiera &#8211; Actualizaci\u00f3n quincenal"},"content":{"rendered":"<div dir=\"ltr\"><br><br><div class=\"gmail_quote\"><div><br><table width=\"642\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\"><tbody><tr><td bgcolor=\"#F0F0F0\">\r\n      <table width=\"578\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">         <tbody><tr>           <td height=\"16\"><\/td>         <\/tr>         <tr>           <td> \t    <div style=\"float:left\"><a href=\"http:\/\/www.funcas.es\/_obsdigi_\/\" target=\"_blank\"><img decoding=\"async\" src=\"http:\/\/departamentos.unileon.es\/economia-y-estadistica\/files\/2018\/11\/LOGOODF_trans-4.gif\" alt=\"LogoFuncas\" style=\"display:block;margin-left:auto;margin-right:auto\" border=\"0\"><\/a><\/div> \t    <div style=\"float:left;margin:35px 0 0 20px\"><p style=\"font-family:arial,Arial,sans-serif;font-size:28px;color:#333333;line-height:38px;margin:0px 10px\" dir=\"ltr\">Actualizaci\u00f3n quincenal<\/p><\/div>           <\/td>\r\n        <\/tr>\r\n        <tr>           <td align=\"left\" bgcolor=\"#FFFFFF\">             <div style=\"border-style:solid;border-width:1px;border-color:#cccccc\">               <table width=\"578\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">                 <tbody><tr>                   <td height=\"22\" colspan=\"3\"><\/td>                 <\/tr>\r\n                <tr>                   <td width=\"40\"><\/td>                   <td width=\"560\">                     <div style=\"font-family:arial,Arial,sans-serif\">                                 <table cellspacing=\"0\" cellpadding=\"0\" border=\"0\">     <tbody><tr>       <td>       <\/td>     <\/tr>   <\/tbody><\/table>\r\n  <table width=\"610\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">     <tbody><tr>       <td>         <div style=\"font-family:arial,Arial,sans-serif;font-size:18px;color:#333333;line-height:48px;margin:0px 10px\" dir=\"ltr\"><p style=\"color:#1c62b9\">NUEVO INFORME<\/p><\/div>       <\/td>     <\/tr>     <\/tbody><\/table>         <hr style=\"margin:0px 10px\">   <table cellspacing=\"0\" cellpadding=\"20\" border=\"0\">     <tbody><tr>       <td width=\"560\"> \t<ul> \t<li>         <a style=\"text-decoration:none\">           <\/a><div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\"><a style=\"text-decoration:none\"><\/a><a href=\"http:\/\/www.funcas.es\/_obsdigi_\/DownLoadObs.aspx?Id=1208\" style=\"text-decoration:none\" target=\"_blank\"><em>Initial Coin Offerings: disruptor or imposter? by Sujit (Bob) Chakravorti and Joey Biasi <\/em><\/a><\/div>          \t<\/li> \t<\/ul>       <\/td>     <\/tr>   <\/tbody><\/table>   <table width=\"610\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">     <tbody><tr>       <td>         <div style=\"font-family:arial,Arial,sans-serif;font-size:18px;color:#333333;line-height:48px;margin:0px 10px\" dir=\"ltr\"><p style=\"color:#1c62b9\">NEWSLETTERS DEL ODF<\/p><\/div>       <\/td>     <\/tr>     <\/tbody><\/table>         <hr style=\"margin:0px 10px\">   <table cellspacing=\"0\" cellpadding=\"20\" border=\"0\">     <tbody><tr>       <td width=\"560\"> \t<ul> \t<li>         <a style=\"text-decoration:none\">           <\/a><div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\"><a style=\"text-decoration:none\"><\/a><a href=\"http:\/\/www.funcas.es\/_obsdigi_\/DownLoadObs.aspx?Id=1209\" style=\"text-decoration:none\" target=\"_blank\">ODF-Funcas 69\/2018 <em>\u00bfHacia d\u00f3nde evoluciona el WealthTech?<\/em><\/a><\/div>          \t<\/li> \t<li>         <a style=\"text-decoration:none\">           <\/a><div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\"><a style=\"text-decoration:none\"><\/a><a href=\"http:\/\/www.funcas.es\/_obsdigi_\/DownLoadObs.aspx?Id=1207\" style=\"text-decoration:none\" target=\"_blank\">ODF-Funcas 68\/2018 <em>Fusiones y adquisiciones en el sector FinTech<\/em><\/a><\/div>          \t<\/li> \t<li>         <a style=\"text-decoration:none\">           <\/a><div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\"><a style=\"text-decoration:none\"><\/a><a href=\"http:\/\/www.funcas.es\/_obsdigi_\/DownLoadObs.aspx?Id=1206\" style=\"text-decoration:none\" target=\"_blank\">ODF-Funcas 67\/2018 <em>Las dudas en el horizonte del peer-to-peer (P2P) lending<\/em><\/a><\/div>          \t<\/li> \t<\/ul>       <\/td>     <\/tr>   <\/tbody><\/table>\r\n  <table width=\"610\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">   \t<tbody><tr> \t\t<td> \t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:18px;color:#333333;line-height:48px;margin:0px 10px\" dir=\"ltr\"><p style=\"color:#1c62b9\">NOTICIAS SOBRE DIGITALIZACI\u00d3N FINANCIERA<\/p><\/div> \t\t<\/td> \t<\/tr>   <\/tbody><\/table>   <hr style=\"margin:0px 10px\">   <br>   <table width=\"578\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">   \t<tbody><tr> \t\t<td> \t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:18px;color:#333333;line-height:24px;margin:0px 10px 0px 25px\" dir=\"ltr\"><p style=\"color:#1c62b9\">INSURTECH<\/p><\/div> \t\t<\/td> \t<\/tr>   <\/tbody><\/table>\r\n  <hr style=\"margin:0px 10px 0px 25px\">\r\n  <table cellspacing=\"0\" cellpadding=\"20\" border=\"0\"> \t<tbody><tr> \t\t<td width=\"560\"> \t\t\t<ul> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.bankingtech.com\/2018\/10\/insurtech-omnius-closes-series-a-funding-round\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">La insurtech omni:us cierra una ronda de financiaci\u00f3n de Series A<br><strong><em>Insurtech omni:us closes series A funding roundh<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.dig-in.com\/opinion\/what-do-new-entrants-say-about-insurtech-value?feed=0000015a-13f0-d9c8-abfb-f7f870030000\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">\u00bfQu\u00e9 opinan los nuevos participantes sobre el valor del insurtech?<br><strong><em>What do new entrants say about insurtech value?<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.intelligentinsurer.com\/news\/insurtech-a-big-concern-survey-16810\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Una encuesta revela que el insurtech es una gran preocupaci\u00f3n<br><strong><em>Insurtech a big concern: survey<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.insurancebusinessmag.com\/us\/market-analysis\/brokers-enjoying-an-insurtech-boom--and-theres-more-room-for-growth-114564.aspx\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Los brokers disfrutan del auge del insurtech, y hay m\u00e1s espacio para el crecimiento<br><strong><em>Brokers enjoying an insurtech boom \u2013 and there\u2019s more room for growth<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t<\/ul> \t\t<\/td> \t<\/tr>    <\/tbody><\/table>   <table width=\"578\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">   \t<tbody><tr> \t\t<td> \t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:18px;color:#333333;line-height:24px;margin:0px 10px 0px 25px\" dir=\"ltr\"><p style=\"color:#1c62b9\">FINTECH<\/p><\/div> \t\t<\/td> \t<\/tr>   <\/tbody><\/table>\r\n  <hr style=\"margin:0px 10px 0px 25px\">\r\n  <table cellspacing=\"0\" cellpadding=\"20\" border=\"0\"> \t<tbody><tr> \t\t<td width=\"560\"> \t\t\t<ul> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.ft.com\/content\/d136e1d2-dc5e-11e8-8f50-cbae5495d92b\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Monzo recauda 85 millones de libras para ayudar a lanzar nuevos productos y expandirse<br><strong><em>Monzo raises \u00a385m to help launch new products and expand<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.americanbanker.com\/news\/will-small-businesses-ever-trust-fintechs-the-way-they-do-banks?brief=00000158-07c7-d3f4-a9f9-37df9bc10000\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">\u00bfConfiar\u00e1n alguna vez las peque\u00f1as empresas en las Fintechs de la misma forma en la que hacen en los bancos?<br><strong><em>Will small businesses ever trust fintechs the way they do banks?<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.pymnts.com\/startup-check-in\/2018\/fintech-startups-cyber-threats-agile-development\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">C\u00f3mo las startups de FinTech abordan las amenazas cibern\u00e9ticas con el desarrollo \u00e1gil<br><strong><em>How FinTech Startups Tackle Cyber Threats With Agile Development<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.ft.com\/content\/64caa038-d79a-11e8-a854-33d6f82e62f8\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">El dinero de los clientes de una Fintech del Reino Unido atrapado debido a la congelaci\u00f3n de un banco de Malta<br><strong><em>Customers\u2019 money trapped at UK fintech due to Malta bank freeze<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.fintechnews.org\/fintech-firms-are-taking-business-away-from-banks-study\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Las empresas de Fintech est\u00e1n quitando el negocio a los bancos, seg\u00fan un estudio<br><strong><em>Fintech Firms Are Taking Business Away From Banks: Study<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t<\/ul> \t\t<\/td> \t<\/tr>    <\/tbody><\/table>\r\n  <table width=\"578\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">   \t<tbody><tr> \t\t<td> \t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:18px;color:#333333;line-height:24px;margin:0px 10px 0px 25px\" dir=\"ltr\"><p style=\"color:#1c62b9\">ESTRATEGIAS Y BANCOS DIGITALES<\/p><\/div> \t\t<\/td> \t<\/tr>   <\/tbody><\/table>\r\n  <hr style=\"margin:0px 10px 0px 25px\">\r\n  <table cellspacing=\"0\" cellpadding=\"20\" border=\"0\"> \t<tbody><tr> \t\t<td width=\"560\"> \t\t\t<ul> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.fintechnews.org\/how-banks-are-facing-the-digital-disruption\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">El machine learning asume el corretaje en las hipotecas comerciales<br><strong><em>Machine learning takes on commercial mortgage brokerage<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.fintech.finance\/01-news\/credit-agricole-italia-banking-group-launches-its-instant-payments-service-with-sia\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Credit Agricole Italia lanza su servicio de pagos instant\u00e1neos con SIA<br><strong><em>Cr\u00e9dit Agricole Italia Banking Group launches instant payments service with SIA facial movements<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.finextra.com\/newsarticle\/32860\/most-banks-will-be-made-irrelevant-by-2030---gartner\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Un estudio de Gartner predice que la mayor\u00eda de los bancos se volver\u00e1n irrelevantes en 2030<br><strong><em>Most banks will be made irrelevant by 2030 \u2013 Gartner<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.ft.com\/content\/4c3ac2d4-d865-11e8-ab8e-6be0dcf18713\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Bancos chinos comienzan a escanear los movimientos faciales de los prestatarios<br><strong><em>Chinese banks start scanning borrowers\u2019 facial movements<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.fintechnews.org\/how-banks-are-facing-the-digital-disruption\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">\u00bfC\u00f3mo se enfrentan los bancos a la disrupci\u00f3n digital?<br><strong><em>How banks are facing the digital disruption?<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.finextra.com\/newsarticle\/32820\/banks-see-payments-infrastructure-renovation-as-key-to-digital-strategy\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Los bancos consideran que la renovaci\u00f3n de la infraestructura de pagos es clave para la estrategia digital<br><strong><em>Banks see payments infrastructure renovation as key to digital strategy<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t<\/ul> \t\t<\/td> \t<\/tr>    <\/tbody><\/table>\r\n  <table width=\"578\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">   \t<tbody><tr> \t\t<td> \t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:18px;color:#333333;line-height:24px;margin:0px 10px 0px 25px\" dir=\"ltr\"><p style=\"color:#1c62b9\">CRIPTOMONEDAS<\/p><\/div> \t\t<\/td> \t<\/tr>   <\/tbody><\/table>\r\n  <hr style=\"margin:0px 10px 0px 25px\">\r\n  <table cellspacing=\"0\" cellpadding=\"20\" border=\"0\"> \t<tbody><tr> \t\t<td width=\"560\"> \t\t\t<ul> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.ft.com\/content\/8e758ed0-dc44-11e8-9f04-38d397e6661c\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Los mercados de intercambio de criptomonedas abrazan una supervisi\u00f3n adicional<br><strong><em>Crypto exchanges brace for additional supervision<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/cointelegraph.com\/news\/german-finance-regulator-international-regulations-desirable-for-icos\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Regulador financiero alem\u00e1n: Las regulaciones internacionales para las ICOs son \u201cdeseables\u201d<br><strong><em>German Finance Regulator: International Regulations \u2018Desirable\u2019 for ICOs<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.ccn.com\/swedens-central-bank-hastens-plans-for-national-digital-currency\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">El Banco Central de Suecia acelera los planes para su moneda digital nacional<br><strong><em>Sweden\u2019s Central Bank Hastens Plans for National Digital Currency<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.fintechnews.org\/increased\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Mayor aceptaci\u00f3n de las criptomonedas en los sectores bancarios y financieros<br><strong><em>Increased Acceptance of Cryptocurrencies in Banking and Finance Sectors<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.ccn.com\/bank-of-japan-deputy-governor-downplays-cryptocurrency-plans\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">El vicegobernador del Banco de Jap\u00f3n minimiza los planes de con las criptomonedas<br><strong><em>Bank of Japan Deputy Governor Downplays Cryptocurrency Plans<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.reuters.com\/article\/us-japan-cryptocurrency\/japan-grants-cryptocurrency-industry-self-regulatory-status-idUSKCN1MY10W\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Jap\u00f3n otorga estatus de autorregulado a la industria de las criptomonedas<br><strong><em>Japan grants cryptocurrency industry self-regulatory status<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t<\/ul> \t\t<\/td> \t<\/tr>    <\/tbody><\/table>\r\n  <table width=\"578\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">   \t<tbody><tr> \t\t<td> \t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:18px;color:#333333;line-height:24px;margin:0px 10px 0px 25px\" dir=\"ltr\"><p style=\"color:#1c62b9\">MARKETPLACE LENDING<\/p><\/div> \t\t<\/td> \t<\/tr>   <\/tbody><\/table>\r\n  <hr style=\"margin:0px 10px 0px 25px\">\r\n  <table cellspacing=\"0\" cellpadding=\"20\" border=\"0\"> \t<tbody><tr> \t\t<td width=\"560\"> \t\t\t<ul> \t\t\t\t<li> \t\t\t\t\t<a href=\"http:\/\/www.p2pfinancenews.co.uk\/2018\/10\/30\/p2p-platforms-reassure-lenders-over-risks-of-borrower-litigation\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Las plataformas P2P tranquilizan a los inversores acerca de los riesgos de los litigios con los prestatarios<br><strong><em>P2P platforms reassure investors over risks of borrower litigation<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.ft.com\/content\/a19cd1d8-db65-11e8-9f04-38d397e6661c\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">El prestamista brit\u00e1nico P2P estudia la venta de los pr\u00e9stamos en su plataforma<br><strong><em>UK P2P lender looks into selling the loans on its platform<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.thetimes.co.uk\/article\/legal-action-against-peer-to-peer-lender-d22kr7r2w\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Acciones legales contra una plataforma de pr\u00e9stamos entre particulares<br><strong><em>Legal action against peer-to-peer lender<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.barrons.com\/articles\/peer-to-peer-lending-in-china-may-be-going-extinct-1540206000\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Los pr\u00e9stamos entre particulares en China podr\u00edan extinguirse<br><strong><em>Peer-to-Peer Lending in China May Be Going Extinct<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t<\/ul> \t\t<\/td> \t<\/tr>    <\/tbody><\/table>\r\n  <table width=\"578\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">   \t<tbody><tr> \t\t<td> \t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:18px;color:#333333;line-height:24px;margin:0px 10px 0px 25px\" dir=\"ltr\"><p style=\"color:#1c62b9\">SISTEMAS Y APLICACIONES DE PAGO<\/p><\/div> \t\t<\/td> \t<\/tr>   <\/tbody><\/table>\r\n  <hr style=\"margin:0px 10px 0px 25px\">\r\n  <table cellspacing=\"0\" cellpadding=\"20\" border=\"0\"> \t<tbody><tr> \t\t<td width=\"560\"> \t\t\t<ul> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.pymnts.com\/news\/faster-payments\/2018\/real-time-b2b-innovation-technology-adoption\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">NUEVOS DATOS: \u00bfPor qu\u00e9 un tercio de las empresas quieren pagos en tiempo real?<br><strong><em>NEW DATA: Why One-Third Of Businesses Want Real-Time Payments<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.pymnts.com\/mastercard\/2018\/b2b-payments-earnings-growth-consumer-spending\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Mastercard acapara mercado en los pagos B2B y ve un crecimiento de dos d\u00edgitos<br><strong><em>Mastercard Gains B2B Payments Traction, Sees Double-Digit Growth<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/thefintechtimes.com\/six-payment-alipay\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">SIX Payment Services ayuda a los minoristas de alta gama de Europa a aceptar Alipay<br><strong><em>SIX Payment Services Supports Europe\u2019s High-End Retailers to Accept Alipay<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.finextra.com\/newsarticle\/32830\/bank-of-canada-asks-is-a-cashless-society-problematic\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">El Banco de Canad\u00e1 se pregunta: \u00bfEs problem\u00e1tica una sociedad sin dinero en efectivo?<br><strong><em>Bank of Canada asks: Is a cashless society problematic?<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.pymnts.com\/news\/cross-border-commerce\/2018\/swift-instant-international-payments\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">SWIFT prueba con \u00e9xito los pagos transfronterizos instant\u00e1neos<br><strong><em>SWIFT Successfully Tests Instant Cross-Border Payments<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t<\/ul> \t\t<\/td> \t<\/tr>    <\/tbody><\/table>\r\n  <table width=\"578\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">   \t<tbody><tr> \t\t<td> \t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:18px;color:#333333;line-height:24px;margin:0px 10px 0px 25px\" dir=\"ltr\"><p style=\"color:#1c62b9\">WEALTHTECH<\/p><\/div> \t\t<\/td> \t<\/tr>   <\/tbody><\/table>\r\n  <hr style=\"margin:0px 10px 0px 25px\">\r\n  <table cellspacing=\"0\" cellpadding=\"20\" border=\"0\"> \t<tbody><tr> \t\t<td width=\"560\"> \t\t\t<ul> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.wealthmanagement.com\/industry\/goldman-moves-digital-bank-wealth-unit-hunt-customers\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Goldman traslada a Digital Bank a su unidad de gesti\u00f3n de patrimonios en b\u00fasqueda de clientes<br><strong><em>Goldman Moves Digital Bank to Wealth Unit in Hunt for Customers<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t<\/ul> \t\t<\/td> \t<\/tr>    <\/tbody><\/table>\r\n  <table width=\"578\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">   \t<tbody><tr> \t\t<td> \t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:18px;color:#333333;line-height:24px;margin:0px 10px 0px 25px\" dir=\"ltr\"><p style=\"color:#1c62b9\">BLOCKCHAIN<\/p><\/div> \t\t<\/td> \t<\/tr>   <\/tbody><\/table>\r\n  <hr style=\"margin:0px 10px 0px 25px\">\r\n  <table cellspacing=\"0\" cellpadding=\"20\" border=\"0\"> \t<tbody><tr> \t\t<td width=\"560\"> \t\t\t<ul> \t\t\t\t<li> \t\t\t\t\t<a href=\"http:\/\/www.regtechonline.com\/?p=634\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">\u00bfPodr\u00edan las innovaciones en Blockchain mejorar la latencia y la ineficiencia en la banca?<br><strong><em>Could Blockchain Innovations Improve Latency And Inefficiency In Banking?<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.ft.com\/content\/62dbb0ae-d822-11e8-a854-33d6f82e62f8\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Los auditores lidian con la criptograf\u00eda y el blockchain<br><strong><em>Auditors grapple with crypto and blockchain<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/bitcoinist.com\/berlin-is-rapidly-becoming-a-hotspot-for-blockchain-and-cryptocurrency\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Berl\u00edn se est\u00e1 convirtiendo r\u00e1pidamente en un punto de acceso para blockchain y crypto<br><strong><em>Berlin is rapidly becoming a hotspot for blockchain and crypto<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.finextra.com\/newsarticle\/32851\/german-central-bank-sees-positive-results-from-blockchain-settlement-trials\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">El banco central alem\u00e1n ve resultados positivos de las pruebas de liquidaci\u00f3n con blockchain<br><strong><em>German central bank sees positive results from blockchain settlement trials<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.coindesk.com\/blockchains-first-hardware-wallet-will-let-you-trade-crypto-for-crypto\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">La primera billetera de hardware de Blockchain te permitir\u00e1 realizar intercambios entre criptomonedas<br><strong><em>Blockchain&#39;s First Hardware Wallet Will Let You Trade Crypto for Crypto<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.ft.com\/content\/9f37e95c-d6a4-11e8-a854-33d6f82e62f8\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">La tecnolog\u00eda blockchain preparada para entrar en el sistema de liquidaciones europeo<br><strong><em>Blockchain technology poised to enter European settlement system<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t<\/ul> \t\t<\/td> \t<\/tr>    <\/tbody><\/table>\r\n  <table width=\"578\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">   \t<tbody><tr> \t\t<td> \t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:18px;color:#333333;line-height:24px;margin:0px 10px 0px 25px\" dir=\"ltr\"><p style=\"color:#1c62b9\">REGTECH<\/p><\/div> \t\t<\/td> \t<\/tr>   <\/tbody><\/table>\r\n  <hr style=\"margin:0px 10px 0px 25px\">\r\n  <table cellspacing=\"0\" cellpadding=\"20\" border=\"0\"> \t<tbody><tr> \t\t<td width=\"560\"> \t\t\t<ul> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.bankingtech.com\/2018\/10\/playing-nice-why-credit-scoring-and-blockchain-could-be-keys-to-a-working-us-sandbox\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">\u00bfPor qu\u00e9 la puntuaci\u00f3n de cr\u00e9dito y el blockchain podr\u00edan ser claves para un sandbox regulatorio en Estados Unidos? <br><strong><em>Why credit scoring and blockchain could be keys to a working US sandbox?<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.bankingtech.com\/2018\/10\/the-appetite-for-regulatory-innovation-is-growing\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Crece el apetito por la innovaci\u00f3n regulatoria<br><strong><em>The appetite for regulatory innovation is growing<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.finextra.com\/newsarticle\/32832\/dlt-can-help-banks-boost-regulatory-compliance---euro-banking-association\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">La tecnolog\u00eda de registro descentralizado (DLT) puede ayudar a los bancos a impulsar el cumplimiento normativo, seg\u00fan la Asociaci\u00f3n de la Banca Europea<br><strong><em>DLT can help banks boost regulatory compliance &#8211; Euro Banking Association<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t<\/ul> \t\t<\/td> \t<\/tr>    <\/tbody><\/table>\r\n  <table width=\"578\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\">   \t<tbody><tr> \t\t<td> \t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:18px;color:#333333;line-height:24px;margin:0px 10px 0px 25px\" dir=\"ltr\"><p style=\"color:#1c62b9\">M\u00c1S NOTICIAS<\/p><\/div> \t\t<\/td> \t<\/tr>   <\/tbody><\/table>\r\n  <hr style=\"margin:0px 10px 0px 25px\">\r\n  <table cellspacing=\"0\" cellpadding=\"20\" border=\"0\"> \t<tbody><tr> \t\t<td width=\"560\"> \t\t\t<ul> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.pymnts.com\/news\/security-and-risk\/2018\/gdpr-psd2-open-banking-data-regulation\/\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">\u00bfQu\u00e9 impacto tiene la PSD2 y el open banking en la seguridad?<br><strong><em>How PSD2 And Open Banking Impact Security<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"http:\/\/www.regtechonline.com\/?p=616\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Malas noticias para los estafadores, ya que finalmente se comprobar\u00e1n los nombres de los titulares de las cuentas bancarias<br><strong><em>Bad news for fraudsters as bank account name checks finally come in<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.thenewsminute.com\/article\/fake-banking-apps-google-play-may-have-stolen-data-thousands-customers-90529\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Aplicaciones bancarias falsas en Google Play pueden haber robado datos de miles de clientes<br><strong><em>Fake banking apps on Google Play may have stolen data of thousands of customers<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t\t<li> \t\t\t\t\t<a href=\"https:\/\/www.itnews.com.au\/news\/banks-need-mandatory-cyber-security-tests-says-rba-eu-central-bank-514323\" style=\"text-decoration:none\" target=\"_blank\"> \t\t\t\t\t<div style=\"font-family:arial,Arial,sans-serif;font-size:13px;color:#333333;line-height:20px\" dir=\"ltr\">Los bancos necesitan pruebas obligatorias de seguridad cibern\u00e9tica, dice RBA, del Banco Central Europeo<br><strong><em>Banks need mandatory cyber security tests says RBA, EU Central Bank<\/em><\/strong><\/div> \t\t\t\t\t<\/a> \t\t\t\t<\/li> \t\t\t<\/ul> \t\t<\/td> \t<\/tr>    <\/tbody><\/table>\r\n                  <\/div>                   <\/td>                   <td width=\"40\"><\/td>                 <\/tr>\r\n                <tr>                   <td height=\"22\" colspan=\"3\"><\/td>                 <\/tr>        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ODF-Funcas 68\/2018 Fusiones y adquisiciones en el sector FinTech ODF-Funcas 67\/2018 Las dudas en el horizonte del peer-to-peer (P2P) lending NOTICIAS SOBRE DIGITALIZACI\u00d3N FINANCIERA INSURTECH La insurtech omni:us [&hellip;]<\/p>\n","protected":false},"author":162,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1266","post","type-post","status-publish","format-standard","hentry","category-sin-categoria"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Observatorio de la Digitalizaci\u00f3n Financiera - Actualizaci\u00f3n quincenal - Departamento de Econom\u00eda y Estad\u00edstica<\/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:\/\/departamentos.unileon.es\/economia-y-estadistica\/2018\/11\/13\/observatorio-de-la-digitalizacion-financiera-actualizacion-quincenal-2\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Observatorio de la Digitalizaci\u00f3n Financiera - Actualizaci\u00f3n quincenal - Departamento de Econom\u00eda y Estad\u00edstica\" \/>\n<meta property=\"og:description\" content=\"Actualizaci\u00f3n quincenal NUEVO INFORME Initial Coin Offerings: disruptor or imposter? by Sujit (Bob) Chakravorti and Joey Biasi NEWSLETTERS DEL ODF ODF-Funcas 69\/2018 \u00bfHacia d\u00f3nde evoluciona el WealthTech? 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