Un paradigma de la nueva economía : el sector financiero en España

José Luis Fanjul Suárez, Laura Valdunciel Bustos

Resumen


En los modelos de estrategia empresarial convencionales, las empresas decidían las tecnologías a emplear, en cambio, actualmente, es la tecnología la que dirige las decisiones estratégicas en la empresa asumiendo un rol desconocido hasta ahora.La forma de gestionar los negocios, ha modificado los supuestos económicos fundamentales sobre los que se sustentaban la mayoría de las empresas, transformando la economía industrial en lo que hoy llamamos economía digital. Este nuevo paradigma ha variado la configuración de las estrategias empresariales, tal y como, se concebían de la aparición de este nuevo fenómeno.El impacto de esta "nueva economía" por sectores está siendo desigual, el sector financiero ha sido ionero en el uso de internet como nuevo canal de distribución. El desarrollo de Internet permitirá conseguir un crecimiento sostenido debido a que la distribución de productos financieros no requiere un intercambio físico de bienes, ya que el dinero es desde hace ya mucho tiempo, un bien electrónico.En este trabajo se pretende hacer un breve análisis de la situación de la banca online en España, de las estrategias adoptadas por las entidades financieras más importantes de nuestro país, y de cómo ha influido este nuevo canal en los productos financieros que ofrecen estas entidades.

Among the conventional strategic business models, companies decide which technologies should be used. Contrary to that, at present, technology takes the strategic decisions in businesses playing a role totally unknown so far.The way of managing businesses has modified the fundamental economic assumptions on which the vast majority of businesses were based transforming the industrial economy into what now is called digital economy. This new paradigm has changed the configuration of business strategies as they were understood before this new phenomenon appeared.The impact of this new economy is uneven depending on the sectors. The financial sector has pioneered the use of Internet as a new distribution channel. Internet development allows a sustainable growth because the distribution of financial products does not require a physical exchange of goods. The reason is that money has been, for a long time, an electronic good.This paper tries to analyze the situation of online banking in Spain, the strategies adopted by the most important financial concerns in the country, and how this new channel has influenced the financial products offered by those concerns.

Palabras clave


TIC; Nueva economía; Banca online; CIT; New economy; Online banking

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DOI: http://dx.doi.org/10.18002/pec.v0i4.719

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