{"id":3115,"date":"2024-10-01T10:04:48","date_gmt":"2024-10-01T10:04:48","guid":{"rendered":"https:\/\/tcmpartners.com\/?p=3115"},"modified":"2024-10-01T10:08:57","modified_gmt":"2024-10-01T10:08:57","slug":"el-futuro-de-los-pagos-iso-20022-capitulo-ecuador","status":"publish","type":"post","link":"https:\/\/tcmpartners.com\/en\/el-futuro-de-los-pagos-iso-20022-capitulo-ecuador\/","title":{"rendered":"The Future of Payments: ISO 20022 \u2013 Ecuador Chapter"},"content":{"rendered":"<p>En TCMpartners estamos convencidos que la transmisi\u00f3n del conocimiento nos enriquece a todos al llevar a cabo las mejores pr\u00e1cticas del mercado al sector financiero latinoamericano. Nos complace compartir con ustedes los puntos m\u00e1s relevantes de nuestro evento presencial <strong>\u201cEl Futuro de los Pagos\u201d<\/strong>, llevado a cabo en Ecuador, en conjunto con ASOBANCA y Finastra.<\/p>\n\n\n\n<p>Durante el evento, exploramos la implementaci\u00f3n del est\u00e1ndar ISO 20022 y su impacto en la industria financiera. Desde marzo de 2023, la migraci\u00f3n a ISO 20022 para pagos transfronterizos ha sido un paso crucial para la armonizaci\u00f3n de mensajes financieros a nivel global. Aqu\u00ed est\u00e1n algunos beneficios y recomendaciones clave de su adopci\u00f3n:<\/p>\n\n\n\n<p><strong>Beneficios:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Anal\u00edtica Mejorada<\/strong>: Los datos enriquecidos permiten una recolecci\u00f3n m\u00e1s eficiente y una mejor toma de decisiones.<\/li>\n\n\n\n<li><strong>Armonizaci\u00f3n Global<\/strong>: M\u00e1s de 70 pa\u00edses han adoptado ISO 20022, facilitando la integraci\u00f3n y consistencia en sistemas de pago alrededor del mundo.<\/li>\n\n\n\n<li><strong>Procesamiento Directo<\/strong>: Menos intervenciones manuales y retrasos, mejorando la experiencia del usuario final.<\/li>\n\n\n\n<li><strong>Competencia e Innovaci\u00f3n<\/strong>: Mayor flexibilidad que promueve la innovaci\u00f3n en productos financieros.<\/li>\n\n\n\n<li><strong>Cumplimiento Regulatorio<\/strong>: Datos detallados que facilitan la detecci\u00f3n de fraudes.<\/li>\n\n\n\n<li><strong>Flexibilidad y Adaptabilidad<\/strong>: ISO 20022 responde mejor a cambios econ\u00f3micos y tecnol\u00f3gicos que los est\u00e1ndares anteriores.<\/li>\n<\/ul>\n\n\n\n<p><strong>Recomendaciones:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Evaluar el impacto en los sistemas y desarrollar un plan de proyecto detallado.<\/li>\n\n\n\n<li>Asegurar el compromiso de la direcci\u00f3n y capacitar a los equipos en el est\u00e1ndar ISO 20022.<\/li>\n\n\n\n<li>Definir una estrategia clara de adopci\u00f3n y garantizar la interoperabilidad mediante pruebas rigurosas.<\/li>\n<\/ul>\n\n\n\n<p>De igual manera, se expusieron los beneficios del Payment Hub de Finastra que permite a las instituciones financieras aprovechar al m\u00e1ximo la gesti\u00f3n y procesamiento de grandes vol\u00famenes de datos financieros estructurados, habilitando casos de uso como:<\/p>\n\n\n\n<p><strong>Detecci\u00f3n de Sanciones y Prevenci\u00f3n de Fraude:<br><\/strong>El uso de datos XML estructurados y la inclusi\u00f3n de campos adicionales como el BIC mejoran el cumplimiento normativo y la detecci\u00f3n de sanciones en tiempo real, reduciendo falsos positivos. La automatizaci\u00f3n de los procesos AML y KYC aumenta la eficiencia operativa.<\/p>\n\n\n\n<p><strong>Anal\u00edtica Avanzada e Inteligencia Empresarial (BI):<br><\/strong>El formato de datos MX permite a las instituciones financieras mejorar sus capacidades anal\u00edticas, crear cuadros de mando personalizados e informes de BI para identificar tendencias de pagos. La integraci\u00f3n de datos en Global PayPlus facilita an\u00e1lisis detallados y la implementaci\u00f3n de ML e IA mejora la supervisi\u00f3n regulatoria y la toma de decisiones.<\/p>\n\n\n\n<p><strong>Ecosistema de Pagos Basado en API:<br><\/strong>Las API abiertas permiten la colaboraci\u00f3n con Fintechs para desarrollar servicios innovadores como investigaci\u00f3n de fraudes, pagos instant\u00e1neos y prevenci\u00f3n de ciberdelitos. Global PAYplus facilita la interoperabilidad y ofrece soluciones de pago integrales.<\/p>\n\n\n\n<p><strong>Informaci\u00f3n y Notificaciones de Pagos:<br><\/strong>Global PAYplus mejora la experiencia del cliente mediante avisos y notificaciones a lo largo del proceso de pago, asegurando una comunicaci\u00f3n fluida y transparente entre las partes involucradas.<\/p>\n\n\n\n<p><strong>Automatizaci\u00f3n de la Conciliaci\u00f3n de Pagos:<br><\/strong>ISO 20022 automatiza la conciliaci\u00f3n de d\u00e9bitos y cr\u00e9ditos, reduciendo errores y mejorando la eficiencia operativa en pagos transfronterizos en tiempo real. Esto optimiza la experiencia del cliente y la gesti\u00f3n de efectivo con reglas de negocio automatizadas.<\/p>\n\n\n\n<p>Estamos sumamente agradecidos de haber contado con la asistencia de representantes de m\u00faltiples instituciones financieras del pa\u00eds, como: <em>Banco Pichincha, Produbanco, Banco General Rumi\u00f1ahui, Banco Internacional, De Una<\/em>, entre otras instituciones pioneras en la industria financiera del Ecuador.<\/p>\n\n\n\n<p>\u00a1Juntos avanzamos hacia un futuro m\u00e1s eficiente y conectado en el mundo de los pagos!<\/p>\n\n\n\n<p>#ISO20022 #PagosDigitales #Innovaci\u00f3nFinanciera #Finastra #PaymentHub<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/tcmpartners.com\/wp-content\/uploads\/2024\/10\/TCMpartners-Finastra-Asobanca-1024x682.jpg\" alt=\"\" class=\"wp-image-3116\" srcset=\"https:\/\/tcmpartners.com\/wp-content\/uploads\/2024\/10\/TCMpartners-Finastra-Asobanca-1024x682.jpg 1024w, https:\/\/tcmpartners.com\/wp-content\/uploads\/2024\/10\/TCMpartners-Finastra-Asobanca-300x200.jpg 300w, https:\/\/tcmpartners.com\/wp-content\/uploads\/2024\/10\/TCMpartners-Finastra-Asobanca-768x511.jpg 768w, https:\/\/tcmpartners.com\/wp-content\/uploads\/2024\/10\/TCMpartners-Finastra-Asobanca-1536x1022.jpg 1536w, https:\/\/tcmpartners.com\/wp-content\/uploads\/2024\/10\/TCMpartners-Finastra-Asobanca-18x12.jpg 18w, https:\/\/tcmpartners.com\/wp-content\/uploads\/2024\/10\/TCMpartners-Finastra-Asobanca.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>","protected":false},"excerpt":{"rendered":"<p>At TCMpartners, we believe that sharing knowledge enriches us all by bringing market best practices to the Latin American financial sector. We are pleased to share with you the highlights of our in-person event, \"The Future of Payments,\" held in Ecuador in conjunction with ASOBANCA and Finastra.<\/p>","protected":false},"author":12,"featured_media":2815,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3115","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>El Futuro de los Pagos: ISO 20022 - Cap\u00edtulo Ecuador - TCMpartners.com - Servicios de consultor\u00eda<\/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:\/\/tcmpartners.com\/en\/el-futuro-de-los-pagos-iso-20022-capitulo-ecuador\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El Futuro de los Pagos: ISO 20022 - Cap\u00edtulo Ecuador - TCMpartners.com - Servicios de consultor\u00eda\" \/>\n<meta property=\"og:description\" content=\"En TCMpartners estamos convencidos que la transmisi\u00f3n del conocimiento nos enriquece a todos al llevar a cabo las mejores pr\u00e1cticas del mercado al sector financiero latinoamericano. Nos complace compartir con ustedes los puntos m\u00e1s relevantes de nuestro evento presencial \u201cEl Futuro de los Pagos\u201d, llevado a cabo en Ecuador, en conjunto con ASOBANCA y Finastra.&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tcmpartners.com\/en\/el-futuro-de-los-pagos-iso-20022-capitulo-ecuador\/\" \/>\n<meta property=\"og:site_name\" content=\"TCMpartners.com - Servicios de consultor\u00eda\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/TCMpartners\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-01T10:04:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-01T10:08:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/tcmpartners.com\/wp-content\/uploads\/2022\/10\/TCMpartners-Breaking-News-Blog.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"R. F.\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"R. F.\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/tcmpartners.com\\\/el-futuro-de-los-pagos-iso-20022-capitulo-ecuador\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/tcmpartners.com\\\/el-futuro-de-los-pagos-iso-20022-capitulo-ecuador\\\/\"},\"author\":{\"name\":\"R. 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