{"id":2426,"date":"2026-11-03T17:47:08","date_gmt":"2026-11-03T17:47:08","guid":{"rendered":"https:\/\/xperienceperu.com\/?p=2426"},"modified":"2026-11-04T03:17:52","modified_gmt":"2026-11-04T03:17:52","slug":"new1","status":"publish","type":"post","link":"https:\/\/xperienceperu.com\/en\/new1\/","title":{"rendered":"La nueva arquitectura de la banca"},"content":{"rendered":"<div class=\"wp-block-uagb-container uagb-block-2e43634a alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-34dd07a3\"><h1 class=\"uagb-heading-text\">La nueva arquitectura de la banca: 4 transformaciones que est\u00e1n redefiniendo el negocio financiero<\/h1><\/div>\n\n\n\n<p class=\"has-vivid-cyan-blue-color has-text-color has-link-color has-medium-font-size wp-elements-1 wp-block-paragraph\"><strong>Tecnolog\u00eda, experiencia de cliente y estrategia de producto en el nuevo ecosistema Fintech.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La industria financiera est\u00e1 atravesando una transformaci\u00f3n que va mucho m\u00e1s all\u00e1 de digitalizar operaciones o lanzar aplicaciones m\u00f3viles. La competencia se est\u00e1 trasladando hacia la infraestructura que sostiene los servicios financieros, la capacidad de comprender las necesidades de los clientes y la integraci\u00f3n de tecnolog\u00edas que permiten operar con mayor agilidad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Desde la modernizaci\u00f3n del core bancario hasta la expansi\u00f3n de los pagos internacionales y la incorporaci\u00f3n de agentes de inteligencia artificial, cuatro movimientos permiten entender hacia d\u00f3nde evoluciona el sector.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-0be82301\"><h2 class=\"uagb-heading-text\">1. Del core heredado a la banca cloud-native: acelerar la innovaci\u00f3n financiera<\/h2><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Durante d\u00e9cadas, los bancos tradicionales han dependido de arquitecturas tecnol\u00f3gicas heredadas (<em>legacy systems<\/em>), muchas de ellas basadas en procesos por lotes (<em>batch processing<\/em>). Estas infraestructuras han permitido sostener operaciones financieras de gran escala, pero tambi\u00e9n han limitado la velocidad para desarrollar productos, integrar servicios y responder a nuevas expectativas de los clientes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En Canad\u00e1, <strong>CIBC<\/strong> dio un paso estrat\u00e9gico al participar en la ronda de financiaci\u00f3n Serie E de la fintech <strong>Thought Machine<\/strong>, con una inversi\u00f3n minoritaria de \u00a330 millones. La alianza contempla la adopci\u00f3n de su plataforma de core bancario <em>Vault Core<\/em>, una arquitectura cloud-native que permite desarrollar productos financieros con mayor flexibilidad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uno de los primeros resultados de esta colaboraci\u00f3n fue el desarrollo de <em>The Simplii Account\u2122<\/em>, un nuevo producto que comenz\u00f3 su fase piloto en oto\u00f1o de 2026. Construido en pocos meses, incorpora funcionalidades como carpetas de gastos configurables y objetivos de ahorro automatizados.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En paralelo, <strong>Eurobank<\/strong> puso en marcha su programa <em>Banking Forward<\/em>, respaldado por una inversi\u00f3n de \u20ac1.000 millones para el periodo 2025\u20132028. Su transformaci\u00f3n contempla la migraci\u00f3n progresiva de aplicaciones a la nube y la expansi\u00f3n de sus canales digitales. Seg\u00fan la entidad, aproximadamente el 50% de sus aplicaciones y canales digitales ya opera en la nube y el 96% de sus transacciones se realiza digitalmente, superando el mill\u00f3n de operaciones diarias.<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-7aa21ef9\"><h3 class=\"uagb-heading-text\"><strong>\u00bfQu\u00e9 cambia para el negocio y la experiencia del cliente?<\/strong><\/h3><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">La modernizaci\u00f3n tecnol\u00f3gica permite reducir las dependencias entre sistemas, acelerar la implementaci\u00f3n de funcionalidades y ofrecer experiencias financieras m\u00e1s adaptables.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esto abre oportunidades para personalizar productos, simplificar operaciones y responder con mayor rapidez a los comportamientos de los usuarios, sin depender de largos ciclos de actualizaci\u00f3n tecnol\u00f3gica.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Lectura estrat\u00e9gica:<\/strong> la ventaja competitiva no est\u00e1 \u00fanicamente en migrar infraestructura a la nube, sino en construir una arquitectura que permita evolucionar los productos financieros continuamente. La velocidad de innovaci\u00f3n empieza a depender de la flexibilidad del core bancario.<\/p>\n\n\n\n<div class=\"wp-block-uagb-image uagb-block-42f62462 wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-none\"><figure class=\"wp-block-uagb-image__figure\"><img decoding=\"async\" src=\"https:\/\/xperienceperu.com\/wp-content\/uploads\/2026\/11\/Modernizacion-del-core-bancario-1.webp\" alt=\"\" class=\"uag-image-2429\" width=\"1200\" height=\"800\" title=\"Modernizacio\u0301n-del-core-bancario\" loading=\"lazy\" role=\"img\" \/><\/figure><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>La nueva arquitectura de la banca: 4 transformaciones que est\u00e1n redefiniendo el negocio financiero Tecnolog\u00eda, experiencia de cliente y estrategia de producto en el nuevo ecosistema Fintech. La industria financiera est\u00e1 atravesando una transformaci\u00f3n que va mucho m\u00e1s all\u00e1 de digitalizar operaciones o lanzar aplicaciones m\u00f3viles. La competencia se est\u00e1 trasladando hacia la infraestructura que [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2429,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[12],"tags":[],"class_list":["post-2426","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banca"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"La nueva arquitectura de la banca: 4 transformaciones que est\u00e1n redefiniendo el negocio financiero Tecnolog\u00eda, experiencia de cliente y estrategia de producto en el nuevo ecosistema Fintech. La industria financiera est\u00e1 atravesando una transformaci\u00f3n que va mucho m\u00e1s all\u00e1 de digitalizar operaciones o lanzar aplicaciones m\u00f3viles. 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