{"id":20159,"date":"2025-01-27T20:59:33","date_gmt":"2025-01-27T20:59:33","guid":{"rendered":"https:\/\/tracevault.cl\/?p=20159"},"modified":"2025-04-23T21:06:01","modified_gmt":"2025-04-23T21:06:01","slug":"open-banking-en-chile-impacto-en-regulacion-factoring-pymes-y-finanzas","status":"publish","type":"post","link":"https:\/\/www.tracevault.cl\/en\/open-banking-en-chile-impacto-en-regulacion-factoring-pymes-y-finanzas\/","title":{"rendered":"Open Banking en Chile: impacto en regulaci\u00f3n, factoring, pymes y finanzas"},"content":{"rendered":"<div      class=\"vc_row wpb_row section vc_row-fluid\" style=' text-align:left;'><div class=\"full_section_inner clearfix\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\">\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Art\u00edculo publicado por <a href=\"https:\/\/www.ebankingnews.com\/noticias\/open-banking-en-chile-y-su-futura-regulacion-como-se-relaciona-con-el-factoring-las-pymes-y-como-estimulara-el-sistema-financiero-0061999\">EBanking News<\/a><\/p>\n<h2>Open Banking en Chile y su futura regulaci\u00f3n \u00bfC\u00f3mo se relaciona con el factoring, las pymes y como estimular\u00e1 el sistema financiero?<\/h2>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-21077 size-full\" src=\"https:\/\/tracevault.cl\/wp-content\/uploads\/2025\/04\/Open-Banking-en-Chile-y-su-futura-regulacio\u0301n.jpg\" alt=\"\" width=\"710\" height=\"399\" srcset=\"https:\/\/www.tracevault.cl\/wp-content\/uploads\/2025\/04\/Open-Banking-en-Chile-y-su-futura-regulacio\u0301n.jpg 710w, https:\/\/www.tracevault.cl\/wp-content\/uploads\/2025\/04\/Open-Banking-en-Chile-y-su-futura-regulacio\u0301n-300x169.jpg 300w, https:\/\/www.tracevault.cl\/wp-content\/uploads\/2025\/04\/Open-Banking-en-Chile-y-su-futura-regulacio\u0301n-700x393.jpg 700w, https:\/\/www.tracevault.cl\/wp-content\/uploads\/2025\/04\/Open-Banking-en-Chile-y-su-futura-regulacio\u0301n-539x303.jpg 539w\" sizes=\"(max-width: 710px) 100vw, 710px\" \/><\/p>\n<p>El Open Banking en Chile est\u00e1 en camino a convertirse en una pieza clave dentro del sistema financiero gracias a la futura regulaci\u00f3n impulsada por la Ley Fintech, que entrar\u00e1 en vigor en 2026. Esta iniciativa, liderada por la Comisi\u00f3n para el Mercado Financiero (CMF), introduce un cambio paradigm\u00e1tico al promover la colaboraci\u00f3n entre entidades financieras tradicionales, fintech y usuarios.<\/p>\n<p>El sistema de Finanzas Abiertas empoderar\u00e1 a los usuarios al permitirles compartir sus datos financieros con terceros de manera segura, favoreciendo as\u00ed el desarrollo de servicios m\u00e1s personalizados y eficientes.<\/p>\n<p>Un ejemplo de c\u00f3mo el Open Banking impactar\u00e1 el sector es su relaci\u00f3n con el factoring y las PyMEs. Al compartir informaci\u00f3n financiera en tiempo real, las empresas podr\u00e1n acceder a evaluaciones crediticias m\u00e1s r\u00e1pidas y precisas, eliminando barreras que tradicionalmente han dificultado su acceso al financiamiento.<\/p>\n<p>Franco Cisternas, gerente comercial y cofundador de Simpli, se\u00f1ala que \u201cla Ley Fintech representa un cambio fundamental en el ecosistema financiero chileno, en que las fintech cobran un protagonismo cada vez mayor\u201d.<\/p>\n<p>Por su parte Vicente Cruz, CEO de Sheriff y Presidente del Comit\u00e9 de Fraude y Ciberseguridad de Fintech Chile explica que \u00abEl Open Banking les va a permitir a las pymes poder monitorearse en l\u00ednea, ingresando sus credenciales en diferentes plataformas para ver su situaci\u00f3n bancaria y tributaria, eso podr\u00eda optimizar ciertas \u00e1reas de recursos humanos tales como administraci\u00f3n y finanzas.<\/p>\n<p>De hecho, para Ignacio Munizaga, CEO de Magnet \u201cLa escalabilidad sigue siendo un desaf\u00edo significativo, ya que las empresas deben adaptarse a diversos contextos regulatorios y culturales en la regi\u00f3n. Este proceso requiere no solo recursos financieros, sino tambi\u00e9n alianzas estrat\u00e9gicas con actores clave del ecosistema para superar estas barreras y consolidar su posici\u00f3n regional\u201d.<\/p>\n<p>La Encuesta Finnovista Radar Fintech Chile 2023 refleja la magnitud de este crecimiento, indicando que el n\u00famero de empresas fintech en Chile alcanz\u00f3 las 300, con un aumento del 29,5% en solo dos a\u00f1os. Este crecimiento destaca el rol de la Ley 21.521, que no solo regula, sino que tambi\u00e9n estimula la innovaci\u00f3n y abre nuevas oportunidades de negocio. \u201cEl Sistema de Finanzas Abiertas permite a las empresas ofrecer servicios m\u00e1s personalizados y adaptados a los dolores reales de las personas y las PyMEs\u201d, agrega Cisternas, subrayando el potencial transformador de esta regulaci\u00f3n.<\/p>\n<p>Por otro lado, la incorporaci\u00f3n de altos est\u00e1ndares de ciberseguridad y gesti\u00f3n de riesgos establece un nuevo nivel de confianza en el sector financiero. Esto es crucial para el desarrollo de un mercado m\u00e1s transparente e inclusivo, que no solo beneficia a las empresas, sino tambi\u00e9n a los usuarios finales. Como explica Cisternas, \u201cla Ley Fintech da la oportunidad perfecta de incentivar la educaci\u00f3n financiera y abordar las brechas digitales, dos pilares fundamentales para el desarrollo de un mercado inclusivo y competitivo\u201d.<\/p>\n<p>A pesar de los desaf\u00edos que quedan por resolver en la interpretaci\u00f3n y aplicaci\u00f3n de la ley, su implementaci\u00f3n se perfila como un catalizador para consolidar un mercado m\u00e1s seguro y eficiente. En palabras de Cisternas, \u201cnosotros lo vemos como un catalizador que nos permitir\u00e1 seguir marcando la diferencia en el acceso al financiamiento, mientras continuamos construyendo relaciones basadas en la confianza y el prop\u00f3sito compartido\u201d.<\/p>\n<p>El Open Banking, junto con el impulso de la Ley Fintech, tiene el potencial de transformar el acceso al financiamiento empresarial, especialmente para las PyMEs, y estimular el sistema financiero en su conjunto. La colaboraci\u00f3n entre actores p\u00fablicos y privados ser\u00e1 esencial para garantizar el \u00e9xito de esta iniciativa, que promete revolucionar el ecosistema financiero chileno en los pr\u00f3ximos a\u00f1os.<\/p>\n<p>&nbsp;<\/p>\n\n\t\t<\/div> \n\t<\/div> <\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"Art\u00edculo publicado por EBanking News Open Banking en Chile y su futura regulaci\u00f3n \u00bfC\u00f3mo se relaciona con el factoring, las pymes y como estimular\u00e1 el sistema financiero? El Open Banking en Chile est\u00e1 en camino a convertirse en una pieza clave dentro del sistema financiero...","protected":false},"author":1,"featured_media":21077,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[80,118,82],"tags":[120],"class_list":["post-20159","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas","category-fintech","category-tecnologia-financiera","tag-ebanking-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Open Banking en Chile: impacto en regulaci\u00f3n, factoring, pymes y finanzas - Tracevault<\/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:\/\/www.tracevault.cl\/en\/open-banking-en-chile-impacto-en-regulacion-factoring-pymes-y-finanzas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Open Banking en Chile: impacto en regulaci\u00f3n, factoring, pymes y finanzas - 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