{"id":193029,"date":"2026-01-16T08:32:49","date_gmt":"2026-01-16T11:32:49","guid":{"rendered":"https:\/\/www.itsitio.com\/mx\/?p=193029"},"modified":"2026-01-16T08:35:05","modified_gmt":"2026-01-16T11:35:05","slug":"el-43-de-los-bancos-en-mexico-reconoce-que-debe-ampliar-el-acceso-financiero-sin-comprometer-la-seguridad","status":"publish","type":"post","link":"https:\/\/www.itsitio.com\/mx\/informes\/el-43-de-los-bancos-en-mexico-reconoce-que-debe-ampliar-el-acceso-financiero-sin-comprometer-la-seguridad\/","title":{"rendered":"El 43% de los bancos en M\u00e9xico reconoce que debe ampliar el acceso financiero sin comprometer la seguridad"},"content":{"rendered":"

El avance de la digitalizaci\u00f3n financiera en M\u00e9xico es innegable: 81,4% de la poblaci\u00f3n cuenta con tel\u00e9fono celular<\/strong>, seg\u00fan la ENDUTIH del INEGI<\/strong>, y 69,1% utiliza la banca m\u00f3vil<\/strong>, de acuerdo con la Encuesta Nacional de Inclusi\u00f3n Financiera (ENIF) 2024<\/strong>. Sin embargo, este crecimiento en conectividad no se traduce autom\u00e1ticamente en mayor inclusi\u00f3n financiera para todos los sectores.<\/p>\n

As\u00ed lo se\u00f1ala el Primer \u00cdndice de Inclusi\u00f3n T\u00e9cnica<\/strong>, elaborado por Galileo Financial Technologies<\/strong> a partir de m\u00e1s de 600 respuestas de ejecutivos y responsables tecnol\u00f3gicos de la regi\u00f3n<\/strong>. El estudio concluye que sistemas heredados<\/strong>, silos de datos<\/strong> y la falta de interoperabilidad<\/strong> contin\u00faan limitando el acceso pleno a servicios financieros, incluso en contextos con alta adopci\u00f3n digital.<\/p>\n

En este escenario, 43% de los bancos en M\u00e9xico<\/strong> reconoce la necesidad de llegar a m\u00e1s p\u00fablicos y a trav\u00e9s de m\u00faltiples dispositivos<\/strong>, sin poner en riesgo los est\u00e1ndares de seguridad y confidencialidad<\/strong>. A esto se suman desaf\u00edos estructurales se\u00f1alados por organismos como la CEPAL<\/strong>, entre ellos la infraestructura desigual<\/strong>, las brechas de conectividad rural<\/strong> y ciertas limitaciones regulatorias<\/strong>.<\/p>\n

Desde Galileo advierten que tener un tel\u00e9fono y una app no garantiza inclusi\u00f3n<\/strong>, si las instituciones no superan los obst\u00e1culos t\u00e9cnicos que impiden ofrecer productos accesibles y seguros. \u201cLa conectividad ya est\u00e1 en manos de la mayor\u00eda, pero la verdadera inclusi\u00f3n financiera se consigue cuando las instituciones rompen los silos t\u00e9cnicos y dise\u00f1an servicios pensados para todas las realidades\u201d, afirm\u00f3 Tory Jackson<\/strong>, Jefe de Negocios y Estrategia de la compa\u00f1\u00eda.<\/p>\n

El impacto de estas limitaciones tambi\u00e9n es econ\u00f3mico: el \u00cdndice revela que 51% de los bancos mexicanos<\/strong> estima p\u00e9rdidas de entre 5% y 10%<\/strong> por no poder ofrecer servicios m\u00e1s inclusivos. \u201cInvertir en modernizaci\u00f3n tecnol\u00f3gica<\/strong> no es un lujo, sino una estrategia para ampliar mercado<\/strong> y convertir usuarios conectados en clientes activos y comprometidos\u201d, concluy\u00f3 Jackson.<\/p>\n

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<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Aunque el uso de la banca m\u00f3vil crece de forma sostenida en M\u00e9xico, un nuevo informe de Galileo Financial Technologies advierte que las barreras t\u00e9cnicas siguen siendo el principal obst\u00e1culo para alcanzar una inclusi\u00f3n financiera real, segura y sostenible.<\/p>\n","protected":false},"author":233,"featured_media":193030,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[29],"tags":[646],"class_list":["post-193029","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-informes","tag-galileo-financial-technologies"],"_links":{"self":[{"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/posts\/193029","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/users\/233"}],"replies":[{"embeddable":true,"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/comments?post=193029"}],"version-history":[{"count":0,"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/posts\/193029\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/media\/193030"}],"wp:attachment":[{"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/media?parent=193029"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/categories?post=193029"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/tags?post=193029"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}