La nueva tecnología bancaria: aplicaciones, adopción e impacto en banca

• Pedro J. CUADROS-SOLAS ^[1]
  1. [1] CUNEF
• Localización: Papeles de economía española, ISSN 0210-9107, Nº 162, 2019, págs. 126-140
• Idioma: español
• Enlaces
  • Texto completo (pdf)
• Resumen
  • español

    El sector bancario está sometido a un continuo proceso de transformación tecnológica. Este artículo examina la evolución y principales características de dicha transformación resaltando su carácter global y su futura aceleración. Además, el artículo se centra en un conjunto de nuevas tecnologías –análisis masivo de datos (big data), inteligencia artificial (IA), tecnología de registro descentralizado (blockchain) y computación en la nube (cloud computing)– cuya implementación configura una «nueva tecnología bancaria». El análisis de la adopción de esta nueva tecnología en la banca europea refleja una cierta correlación positiva entre su adopción, la rentabilidad bancaria y la capacidad de generar ingresos

  • English

    The banking sector is undergoing a continuous process of technological transformation. This article examines the evolution and main characteristics of this transformation highlighting its global character and future acceleration. In addition, the article focuses on a set of new technologies –analysis of massive data (bigdata), artificial intelligence (AI), decentralized registration technology (blockchain) and cloud computing– whose implementation configures a «new banking technology». An examination of the adoption of this new technology in the European banking industry reflects a certain positive correlation between its adoption, bank profitability and banks’ ability to generate income.

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