{"id":196979,"date":"2026-10-07T15:00:03","date_gmt":"2026-10-07T18:00:03","guid":{"rendered":"https:\/\/www.itsitio.com\/mx\/?p=196979"},"modified":"2026-10-07T10:11:36","modified_gmt":"2026-10-07T13:11:36","slug":"democratizar-la-analitica-el-papel-de-los-canales-en-la-gestion-del-riesgo","status":"publish","type":"post","link":"https:\/\/www.itsitio.com\/mx\/columna-de-opinion\/democratizar-la-analitica-el-papel-de-los-canales-en-la-gestion-del-riesgo\/","title":{"rendered":"Democratizar la anal\u00edtica: el papel de los canales en la gesti\u00f3n del riesgo"},"content":{"rendered":"<p><em><b>Por :Juan Manuel Bello, Sales Manager Mexico (SMB)<\/b><\/em><\/p>\n<p><span style=\"font-weight: 400\">La transformaci\u00f3n digital del sector financiero no deber\u00eda ser exclusiva de los grandes bancos. Las fintech, sofipos, sofomes y otras instituciones medianas enfrentan desaf\u00edos similares: prevenir fraudes y lavado de dinero, cumplir con la regulaci\u00f3n, evaluar solicitudes de cr\u00e9dito y administrar el riesgo, desde la originaci\u00f3n hasta la cobranza. La diferencia no est\u00e1 en el problema, sino en su escala y madurez tecnol\u00f3gica.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Por ello, una estrategia de canales efectiva no puede limitarse a la reventa de licencias. El verdadero valor est\u00e1 en construir un ecosistema de socios que combine alcance comercial con conocimiento especializado. Adem\u00e1s de acercar la tecnolog\u00eda, los partners deben comprender pr\u00e1cticas como gesti\u00f3n de riesgos, prevenci\u00f3n de fraude y anal\u00edtica. As\u00ed pueden integrar software, consultor\u00eda y acompa\u00f1amiento operativo.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Este modelo tambi\u00e9n ampl\u00eda la cobertura nacional. Monterrey, Guadalajara y el Baj\u00edo concentran empresas que requieren soluciones anal\u00edticas, pero no siempre cuentan con proveedores especializados cercanos. Ah\u00ed existe una oportunidad para desarrollar canales con conocimiento local.<\/span><\/p>\n<p><span style=\"font-weight: 400\">En el sector financiero, ya existen instituciones medianas que utilizan anal\u00edtica para responder a requerimientos como IFRS 9 y fortalecer sus procesos de cr\u00e9dito. Estas experiencias muestran que la tecnolog\u00eda para resolver retos complejos tambi\u00e9n puede adaptarse a organizaciones con estructuras y vol\u00famenes menores. No se trata de replicar el proyecto de un banco global, sino de dimensionar la soluci\u00f3n y avanzar gradualmente.<\/span><\/p>\n<p><span style=\"font-weight: 400\">El principal obst\u00e1culo es la percepci\u00f3n de que la anal\u00edtica avanzada es costosa, compleja o exclusiva de grandes corporativos. Romper ese estigma exige proyectos acotados, objetivos claros y resultados medibles. Para una organizaci\u00f3n que todav\u00eda basa decisiones cr\u00edticas en hojas de c\u00e1lculo, el primer paso puede ser automatizar un proceso prioritario; despu\u00e9s, incorporar modelos de riesgo, scoring de cr\u00e9dito o prevenci\u00f3n de fraude conforme aumenta su madurez.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Los canales son el puente entre la innovaci\u00f3n y la realidad operativa. Cuando aportan conocimiento del negocio, talento anal\u00edtico y cercan\u00eda regional, hacen que la tecnolog\u00eda sea m\u00e1s accesible y convierten el cumplimiento regulatorio en una oportunidad para tomar mejores decisiones. Democratizar la anal\u00edtica no significa simplificar los riesgos, sino ofrecer a cada instituci\u00f3n herramientas proporcionales para gestionarlos con precisi\u00f3n, confianza y visi\u00f3n de largo plazo.<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fintech, sofomes y sofipos enfrentan retos de fraude, riesgo y cumplimiento que tambi\u00e9n requieren anal\u00edtica avanzada.<\/p>\n","protected":false},"author":229,"featured_media":196980,"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":[25],"tags":[835],"class_list":["post-196979","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-columna-de-opinion","tag-saas"],"_links":{"self":[{"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/posts\/196979","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\/229"}],"replies":[{"embeddable":true,"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/comments?post=196979"}],"version-history":[{"count":1,"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/posts\/196979\/revisions"}],"predecessor-version":[{"id":196982,"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/posts\/196979\/revisions\/196982"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/media\/196980"}],"wp:attachment":[{"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/media?parent=196979"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/categories?post=196979"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.itsitio.com\/mx\/wp-json\/wp\/v2\/tags?post=196979"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}