La entrada de las bigtech en el negocio bancario: un análisis coste-beneficio

• Jorge Padilla ^[1]
  1. [1] Director General Sénior de Compass Lexecon
• Localización: Información Comercial Española, ICE: Revista de economía, ISSN 0019-977X, ISSN-e 2340-8790, Nº 926, 2022 (Ejemplar dedicado a: El futuro del dinero y la transformación digital del sector financiero), págs. 119-131
• Idioma: español
• DOI: 10.32796/ice.2022.926.7400
• Títulos paralelos:
  • Big Tech entry in the banking industry: a cost-benefit analysis
• Enlaces
  • Texto completo
• Resumen
  • español

    La entrada de las bigtech puede transformar el negocio bancario de manera radical, en especial, los mercados de pagos y de crédito al consumo y a pymes. Aunque es de esperar que dicha entrada estimule la competencia en beneficio de los clientes de la banca minorista, también puede dar lugar a mercados crediticios aún más concentrados y aumentar la inestabilidad financiera. Que el resultado neto para la economía y, en particular, para los consumidores y las empresas sea positivo dependerá en buena medida de la actuación de reguladores y autoridades de competencia

  • English

    Big Tech entry in banking can radically change that industry, specially the markets for payments and SME and consumer credit. Even if in principle such entry is expected to enhance competition and benefit the clients of retail banking, it could also lead to market concentration and an increase in financial instability. Its net effect on the economy, consumers and firms will greatly depend on the response given by regulators and competition authorities

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