{"id":2553,"date":"2026-03-26T13:53:25","date_gmt":"2026-03-26T19:53:25","guid":{"rendered":"https:\/\/acertiqa.com\/blog\/?page_id=2553"},"modified":"2026-05-07T19:47:12","modified_gmt":"2026-05-08T01:47:12","slug":"el-futuro-de-los-pagos-en-la-economia-digital","status":"publish","type":"page","link":"https:\/\/acertiqa.com\/blog\/el-futuro-de-los-pagos-en-la-economia-digital\/","title":{"rendered":"El futuro de los pagos est\u00e1 en la econom\u00eda digital"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2553\" class=\"elementor elementor-2553\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4783b360 elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"4783b360\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-60da52e7\" data-id=\"60da52e7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-59da23f8 elementor-widget-mobile__width-inherit elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"59da23f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/elementor\/thumbs\/pexels-freek-wolsink-508219-36331525-scaled-rl3caupfag852qf7cfs1f02at49sbujsq26ickaunk.jpg\" title=\"pexels-freek-wolsink-508219-36331525\" alt=\"pexels-freek-wolsink-508219-36331525\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-085ae70 e-flex e-con-boxed e-con e-parent\" data-id=\"085ae70\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-359de85 elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"359de85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">El futuro de los pagos est\u00e1 en la econom\u00eda digital<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e21ce35 e-flex e-con-boxed e-con e-parent\" data-id=\"e21ce35\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a9bb8d7 elementor-widget elementor-widget-text-editor\" data-id=\"5a9bb8d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 15px; font-style: normal;\">A un mes y medio del Mundial, M\u00e9xico, Canad\u00e1 y Estados Unidos concentran casi el 55% del territorio americano y recibir\u00e1n a m\u00e1s de dos millones de visitantes de hasta 150 pa\u00edses. La pregunta no es si los pagos digitales funcionar\u00e1n. La pregunta es si el ecosistema completo est\u00e1 preparado.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e5c139 e-flex e-con-boxed e-con e-parent\" data-id=\"6e5c139\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5de018 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a5de018\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0aeb970 e-flex e-con-boxed e-con e-parent\" data-id=\"0aeb970\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40e41a9 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"40e41a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">ECONOM\u00cdA DIGITAL<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22cb316 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"22cb316\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/elementor\/thumbs\/icons8-circle-24-rl1mhb78khtymwthp1ssu7hqcb60lorou29bqpw9yq.webp\" title=\"icons8-circle-24\" alt=\"icons8-circle-24\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cfb674 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5cfb674\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Abril-2026<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ec98f8 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"7ec98f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/elementor\/thumbs\/icons8-circle-24-rl1mhb78khtymwthp1ssu7hqcb60lorou29bqpw9yq.webp\" title=\"icons8-circle-24\" alt=\"icons8-circle-24\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d6ffc4 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"3d6ffc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/elementor\/thumbs\/clock-8-rl1l65mpu35rcy4ohk3oypr3m60abhw0xuixn4v046.webp\" title=\"clock-8\" alt=\"clock-8\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d97a21 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"8d97a21\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">12 minutos de lectura<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a08e1d0 e-flex e-con-boxed e-con e-parent\" data-id=\"a08e1d0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed09791 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ed09791\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b530c3a elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b530c3a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c02d66\" data-id=\"9c02d66\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb4f279 elementor-widget elementor-widget-heading\" data-id=\"cb4f279\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"elementor-heading-title elementor-size-default elementor-inline-editing pen\" data-elementor-setting-key=\"title\" data-pen-placeholder=\"Digite aqui...\" style=\"border: 0px;font-size: 30px;vertical-align: baseline;clear: both;line-height: 1.4em;font-family: Inter, sans-serif\">La Copa del Mundo<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60c3c59 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"60c3c59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89c77a5 elementor-widget elementor-widget-text-editor\" data-id=\"89c77a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-family: Inter, sans-serif;\">Estamos a un mes y medio de que inicie la edici\u00f3n n\u00famero 23 de la Copa del Mundo de f\u00fatbol, un evento que, como otros hitos globales, coloca bajo el reflector internacional al pa\u00eds anfitri\u00f3n y a su regi\u00f3n. En esta ocasi\u00f3n se trata de una triada de pa\u00edses que, en conjunto, representan casi el\u00a0<\/span><b style=\"font-family: Inter, sans-serif; font-size: 15px; font-style: normal;\">55% del territorio del continente americano y cerca del 48.5% de su poblaci\u00f3n.\u00a0<\/b><span style=\"font-family: Inter, sans-serif;\"><b>\u00b9\u00b2\u00b3<\/b><\/span><\/p><p style=\"font-size: 15px; font-style: normal; font-family: Inter, sans-serif;\">Este tipo de acontecimientos, adem\u00e1s de la euforia que despiertan por su naturaleza \u2014en este caso deportiva\u2014, suelen abrir una ventana de oportunidad para las sedes. Permiten mostrar su potencial como zonas econ\u00f3micas atractivas para la inversi\u00f3n, su estabilidad pol\u00edtica, su capacidad de adopci\u00f3n tecnol\u00f3gica y, en muchos casos, impulsar cambios estructurales que de otro modo tardar\u00edan a\u00f1os en materializarse.\u00a0En otras palabras, es uno de esos raros momentos en los que el entusiasmo colectivo alinea voluntades p\u00fablicas y privadas para exhibir el potencial de un pa\u00eds y, al mismo tiempo, avanzar en transformaciones que normalmente enfrentar\u00edan fuertes resistencias.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-ed1e3ef e-flex e-con-boxed e-con e-parent\" data-id=\"ed1e3ef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d8cd41b elementor-widget elementor-widget-image\" data-id=\"d8cd41b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1000\" height=\"521\" src=\"https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/2026\/03\/Los-numeros-que-definen-la-oportunidad-4.webp\" class=\"attachment-large size-large wp-image-2605\" alt=\"\" srcset=\"https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/2026\/03\/Los-numeros-que-definen-la-oportunidad-4.webp 1000w, https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/2026\/03\/Los-numeros-que-definen-la-oportunidad-4-300x156.webp 300w, https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/2026\/03\/Los-numeros-que-definen-la-oportunidad-4-768x400.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-be13cq5 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"be13cq5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4cdcbab\" data-id=\"4cdcbab\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-adf6695 elementor-widget elementor-widget-heading\" data-id=\"adf6695\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"elementor-heading-title elementor-size-default elementor-inline-editing pen\" data-elementor-setting-key=\"title\" data-pen-placeholder=\"Digite aqui...\" style=\"border: 0px;font-size: 30px;vertical-align: baseline;clear: both;line-height: 1.4em;font-family: Inter, sans-serif\">El consumidor transversal<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c88948 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3c88948\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a3c0ef elementor-widget elementor-widget-text-editor\" data-id=\"9a3c0ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size: 15px; font-style: normal; font-family: Inter, sans-serif;\">Con base en las cifras de los \u00faltimos tres mundiales, en promedio cerca de <b>dos millones de turistas extranjeros<\/b> visitan el pa\u00eds sede antes, durante y despu\u00e9s de las cuatro a seis semanas que dura oficialmente el evento.\u2074 Eso implica que esta afluencia puede provenir de entre <b>100 y 150 pa\u00edses<\/b>, considerando que en el proceso de venta de boletos se registr\u00f3 demanda desde las <b>211 naciones miembro de la FIFA<\/b><span style=\"font-family: Arial, sans-serif; font-size: 11pt; white-space: pre-wrap; caret-color: #000000; color: #000000;\">\u2075<\/span><b>.<\/b>&nbsp;<span style=\"font-style: inherit; text-align: var(--text-align);\">Estos visitantes, provenientes de realidades muy distintas, esperan poder moverse, comprar, reservar o comer con la misma naturalidad con la que lo hacen en sus pa\u00edses de origen. En muchos casos se trata de acciones cotidianas: pagar un estacionamiento, comprar un boleto de transporte p\u00fablico o adquirir algo en una tienda.<\/span><\/p>\n<p><span style=\"font-family: Inter, sans-serif; font-size: 15px; font-style: inherit; text-align: var(--text-align);\">No hablamos de experiencias tecnol\u00f3gicas sofisticadas como una tienda <strong>Amazon Go<\/strong> en Estados Unidos, restaurantes completamente automatizados que operan a trav\u00e9s de una s\u00faper app en China o donativos mediante c\u00f3digos QR en iglesias de Suecia.<\/span><span style=\"font-family: Inter, sans-serif;\">\u2076<\/span><span style=\"font-family: Inter, sans-serif; font-size: 15px; font-style: inherit; text-align: var(--text-align);\">&nbsp;La expectativa es m\u00e1s sencilla: poder pagar digitalmente cuando sea conveniente \u2014por seguridad, comodidad o simplemente porque permite resolver una compra a distancia mientras se disfruta el evento.<\/span><\/p>\n<p style=\"font-size: 15px; font-style: normal; font-family: Inter, sans-serif;\"><span style=\"font-style: inherit; text-align: var(--text-align);\">Aqu\u00ed surge una pregunta clave: <strong>\u00bfc\u00f3mo garantizar esa experiencia cuando el efectivo sigue siendo la norma en buena parte del entorno?<\/strong><\/span><\/p>\n<p><span style=\"font-family: Inter, sans-serif;\">Los visitantes son consumidores de aerol\u00edneas que operan globalmente y est\u00e1n acostumbrados a servicios dise\u00f1ados para mercados diversos. Tambi\u00e9n son usuarios de servicios financieros y de retail que innovan constantemente. Algunos incluso son tomadores de decisi\u00f3n en sus propias organizaciones y observan c\u00f3mo las experiencias cotidianas pueden convertirse en oportunidades de diferenciaci\u00f3n empresarial.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-j3am4rx elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"j3am4rx\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d271390\" data-id=\"d271390\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f96f77 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"9f96f77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-quote-left\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2772a65 elementor-widget elementor-widget-text-editor\" data-id=\"2772a65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Los consumidores no solo se acostumbran a los est\u00e1ndares de sus pa\u00edses de residencia, sino tambi\u00e9n a las experiencias que reciben de compa\u00f1\u00edas globales. Bajo esa l\u00f3gica, muchos visitantes de esta Copa del Mundo evaluar\u00e1n a los tres pa\u00edses anfitriones con ese mismo referente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c411c16 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c411c16\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3d55e99\" data-id=\"3d55e99\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a52e764 elementor-widget elementor-widget-text-editor\" data-id=\"a52e764\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div><p style=\"font-size: 15px; font-style: normal; font-family: Poppins, sans-serif;\"><span style=\"font-family: Inter, sans-serif;\">En realidad, <b>se trata de un mismo consumidor que interact\u00faa con m\u00faltiples industrias<\/b>, aunque las empresas suelen analizarlo de manera fragmentada. Para las personas, sin embargo, la expectativa es clara: recibir una experiencia coherente en todos los aspectos de su vida cotidiana.<\/span><\/p><p style=\"font-size: 15px; font-style: normal; font-family: Poppins, sans-serif;\"><span style=\"font-family: Inter, sans-serif;\">Por eso las organizaciones deben observar permanentemente lo que ocurre en el mercado. Los consumidores no solo se acostumbran a los est\u00e1ndares de sus pa\u00edses de residencia, sino tambi\u00e9n a las experiencias que reciben de compa\u00f1\u00edas globales. Bajo esa l\u00f3gica, muchos de los visitantes de esta Copa del Mundo evaluar\u00e1n a los tres pa\u00edses anfitriones con ese mismo referente.<\/span><\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-73a3eeb elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73a3eeb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a72b330\" data-id=\"a72b330\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9867865 elementor-widget elementor-widget-heading\" data-id=\"9867865\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><font face=\"Inter, sans-serif\"><span style=\"font-size: 30px\">Las paradojas de la adopci\u00f3n digital<\/span><\/font><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71dbcf3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"71dbcf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fabd48 elementor-widget elementor-widget-text-editor\" data-id=\"0fabd48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El desarrollo de los pagos digitales no est\u00e1 necesariamente relacionado con el tama\u00f1o de la econom\u00eda ni con el hecho de que un pa\u00eds sea considerado desarrollado o emergente. Algunos ejemplos ilustran bien esta din\u00e1mica.<\/p><p><b>Bahr\u00e9in<\/b>, por ejemplo, registr\u00f3 alrededor de <b>600 millones de operaciones en 2023<\/b> y se posicion\u00f3 como l\u00edder en adopci\u00f3n de pagos en tiempo real, con casi el <b>46 % del total de sus transacciones<\/b> bajo este esquema. Un dato interesante es que su sistema bancario es un <b>hub internacional de finanzas isl\u00e1micas<\/b>. En contraste, <strong>Estados Unidos<\/strong>, con 233.3 billones de operaciones y el segundo lugar mundial en volumen de transacciones, apenas alcanzaba en 2024 cerca del 1.2 % de adopci\u00f3n en pagos en tiempo real a trav\u00e9s de FedNow, un a\u00f1o despu\u00e9s de su lanzamiento.\u2077<\/p><p>Otro contraste relevante es el de <b>Brasil e India frente al Reino Unido.\u00a0<\/b><span style=\"font-style: inherit;\">En 2020 Brasil lanz\u00f3 <\/span><strong style=\"font-style: inherit;\">PIX,<\/strong><span style=\"font-style: inherit;\"> un sistema que transform\u00f3 r\u00e1pidamente la forma en que se realizan pagos y transferencias en el pa\u00eds. Ese mismo a\u00f1o India ya registraba cerca de <\/span><strong style=\"font-style: inherit;\">50 millones de transacciones diarias<\/strong><span style=\"font-style: inherit;\"> utilizando <\/span><strong style=\"font-style: inherit;\">UPI,<\/strong><span style=\"font-style: inherit;\"> su infraestructura equivalente.\u00a0<\/span><span style=\"font-style: inherit;\">Para 2021, Brasil ya alcanzaba alrededor del <\/span><strong style=\"font-style: inherit;\">44 % de ese volumen.<\/strong><\/p><p>Lo interesante es que el <strong>Reino Unido<\/strong> hab\u00eda sido pionero con <strong>Faster Payments Service (FPS)<\/strong>, lanzado ocho a\u00f1os antes que UPI y doce a\u00f1os antes que PIX. Sin embargo, su volumen transaccional actual representa apenas entre <strong>una tercera parte y la mitad de lo que hoy registran India y Brasil.<\/strong>\u2077<\/p><p><strong>M\u00e9xico<\/strong>, por su parte, lanz\u00f3 <strong>SPEI<\/strong> en 2004, uno de los sistemas de transferencias electr\u00f3nicas m\u00e1s robustos del mundo. Aun as\u00ed, iniciativas posteriores como <strong>CoDi<\/strong> han enfrentado mayores retos para replicar ese impacto.\u00a0<span style=\"font-style: inherit;\">La comparaci\u00f3n con <\/span><strong style=\"font-style: inherit;\">FedNow<\/strong><span style=\"font-style: inherit;\"> tambi\u00e9n resulta interesante: entre ambos sistemas existe una diferencia de 19 a\u00f1os, aunque ambos persiguen objetivos similares en t\u00e9rminos de transferencias inmediatas.\u2078<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-46f744e e-flex e-con-boxed e-con e-parent\" data-id=\"46f744e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c50e6b5 elementor-widget elementor-widget-image\" data-id=\"c50e6b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1000\" height=\"567\" src=\"https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/2026\/03\/LAS-PARADOJAS-DE-LA-ADOPCION-DIGITAL-4.webp\" class=\"attachment-large size-large wp-image-2606\" alt=\"\" srcset=\"https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/2026\/03\/LAS-PARADOJAS-DE-LA-ADOPCION-DIGITAL-4.webp 1000w, https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/2026\/03\/LAS-PARADOJAS-DE-LA-ADOPCION-DIGITAL-4-300x170.webp 300w, https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/2026\/03\/LAS-PARADOJAS-DE-LA-ADOPCION-DIGITAL-4-768x435.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8d7c21b elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8d7c21b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f3831f9\" data-id=\"f3831f9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8a6ada4 elementor-widget elementor-widget-heading\" data-id=\"8a6ada4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><font face=\"Inter, sans-serif\"><span style=\"font-size: 30px\">La digitalizaci\u00f3n de la econom\u00eda<\/span><\/font><span style=\"font-size: 2.8rem;font-style: inherit\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2f0d56 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c2f0d56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b23e0a elementor-widget elementor-widget-text-editor\" data-id=\"9b23e0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Conviene ir m\u00e1s all\u00e1 de los m\u00e9todos de pago alternativos o de los pagos digitales como tales. La transformaci\u00f3n que est\u00e1 ocurriendo es m\u00e1s profunda que simplemente reemplazar el efectivo al momento de pagar una compra.<\/span><\/p><p><span style=\"font-weight: 400;\">Antes que nada, es importante aclarar algo: <\/span><b>el efectivo cumple funciones relevantes dentro del sistema financiero<\/b><span style=\"font-weight: 400;\">. Proporciona estabilidad, certidumbre y acceso en m\u00faltiples contextos, por lo que su desaparici\u00f3n total tampoco ser\u00eda deseable. Este art\u00edculo, por lo tanto, no plantea eliminar el efectivo, sino entender mejor el papel que juega dentro de un ecosistema econ\u00f3mico en transici\u00f3n.<\/span><\/p><p><span style=\"font-weight: 400;\">A partir de ah\u00ed surge una pregunta fundamental:<\/span><\/p><p><b>\u00bfcu\u00e1l es la misi\u00f3n de las finanzas?<\/b><\/p><p><span style=\"font-weight: 400;\">Una forma sencilla de responderla podr\u00eda resumirse en tres dimensiones:<\/span><\/p><ul><li><span style=\"font-weight: 400;\">Permitir el bienestar de las personas y el crecimiento de los negocios<\/span><\/li><li><span style=\"font-weight: 400;\">Crear cadenas productivas capaces de generar riqueza<\/span><\/li><li><span style=\"font-weight: 400;\">Administrar los recursos en beneficio de la sociedad<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">El desaf\u00edo aparece cuando los distintos nodos del ecosistema econ\u00f3mico <\/span><b>no est\u00e1n digitalizados<\/b><span style=\"font-weight: 400;\">. En esas condiciones, esa misi\u00f3n encuentra barreras operativas importantes. El efectivo no es el problema en s\u00ed mismo; simplemente es uno de los elementos que evidencian esas limitaciones.<\/span><\/p><p><span style=\"font-weight: 400;\">La consecuencia de este fen\u00f3meno puede describirse como <\/span><b>pobreza digital<\/b><span style=\"font-weight: 400;\">, o <\/span><i><span style=\"font-weight: 400;\">digital gap<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7fd2508 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7fd2508\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3948460\" data-id=\"3948460\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0086c63 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0086c63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-quote-left\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1928fb elementor-widget elementor-widget-text-editor\" data-id=\"c1928fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El verdadero desaf\u00edo no es la digitalizaci\u00f3n de un producto o servicio aislado, sino la transici\u00f3n hacia una econom\u00eda que funcione como un sistema digital integrado.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2d2236e elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d2236e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7b18f80\" data-id=\"7b18f80\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dc24cf0 elementor-widget elementor-widget-text-editor\" data-id=\"dc24cf0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">En el caso de <\/span><b>Am\u00e9rica Latina<\/b><span style=\"font-weight: 400;\">, esto adquiere una dimensi\u00f3n estrat\u00e9gica. Como se mencion\u00f3 en nuestro art\u00edculo anterior <\/span><i><span style=\"font-weight: 400;\">\u201c<\/span><\/i><a href=\"https:\/\/acertiqa.com\/blog\/america-latina-2026-crecimiento-moderado-decisiones-exigentes\/\"><i><span style=\"font-weight: 400;\">Am\u00e9rica Latina 2026: crecimiento moderado, decisiones exigentes<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">\u201d<\/span><\/i><span style=\"font-weight: 400;\">, una de las formas de enfrentar el entorno econ\u00f3mico es ampliar las cadenas de valor m\u00e1s all\u00e1 de las fronteras nacionales. Hoy, para muchas empresas, operar dentro de un solo pa\u00eds ya no es suficiente.<\/span><\/p><p><span style=\"font-weight: 400;\">El comercio electr\u00f3nico ilustra bien este proceso. La digitalizaci\u00f3n suele comenzar con el inventario, pero r\u00e1pidamente se extiende al registro contable de las ventas, al despacho desde el almac\u00e9n, al seguimiento log\u00edstico y a la atenci\u00f3n al cliente. En ese contexto, toda la operaci\u00f3n puede quedar vinculada a una misma llave digital compuesta por identificadores como <\/span><b>order ID<\/b><span style=\"font-weight: 400;\"> y <\/span><b>customer ID<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Si volvemos al terreno de los pagos, consumidores y negocios necesitan soluciones que funcionen <\/span><b>de forma transfronteriza, multimoneda y omnicanal<\/b><span style=\"font-weight: 400;\">: pagos iniciados en l\u00ednea pero completados en una sucursal, transacciones mediante opciones como <\/span><i><span style=\"font-weight: 400;\">click to pay<\/span><\/i><span style=\"font-weight: 400;\"> o recursos que puedan dirigirse indistintamente a una cuenta bancaria tradicional, a un neobanco, a una billetera digital o incluso retirarse en efectivo a trav\u00e9s de redes de cajeros autom\u00e1ticos o corresponsales.<\/span><\/p><p><span style=\"font-weight: 400;\">Un ejemplo claro de esta evoluci\u00f3n es el modelo que utilizan <\/span><b>Western Union<\/b><span style=\"font-weight: 400;\"> o <\/span><b>MoneyGram<\/b><span style=\"font-weight: 400;\"> en el negocio de remesas. Estas empresas han digitalizado gran parte de su ecosistema partiendo del dinero f\u00edsico, pero permitiendo que los recursos se muevan y se utilicen a trav\u00e9s de m\u00faltiples canales. En ese sentido, muestran c\u00f3mo es posible conectar el mundo anal\u00f3gico con el digital.\u2079<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f9138f3 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f9138f3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5b9e90f\" data-id=\"5b9e90f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb33dd1 elementor-widget elementor-widget-heading\" data-id=\"cb33dd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><font face=\"Inter, sans-serif\"><span style=\"font-size: 30px\">Qu\u00e9 habilita realmente la digitalizaci\u00f3n<\/span><\/font><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec7dd62 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ec7dd62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-771e895 elementor-widget elementor-widget-text-editor\" data-id=\"771e895\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pero entonces surge una pregunta m\u00e1s profunda:<\/p>\n<p><b>\u00bfqu\u00e9 es lo que realmente habilita la digitalizaci\u00f3n de la econom\u00eda?<\/b><\/p>\n<p>Desde la perspectiva de <a href=\"https:\/\/acertiqa.com\">Acertiqa<\/a>, se trata de conectar un mundo din\u00e1mico e interdependiente que todav\u00eda depende en gran medida de procesos anal\u00f3gicos: la pluma, el papel y el efectivo.&nbsp;<span style=\"font-style: inherit;\">Desde una visi\u00f3n m\u00e1s operativa, <b>Clip<\/b>, fintech mexicana enfocada en inclusi\u00f3n financiera, describe la digitalizaci\u00f3n como un verdadero caballo de Troya capaz de habilitar m\u00faltiples transformaciones dentro del ecosistema econ\u00f3mico, entre ellas:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-589a144 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"589a144\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ae048e0\" data-id=\"ae048e0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2227fc6 elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2227fc6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-shopping-bag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Nuevas funciones de comercio<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-globe\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Acceso a clientes m\u00e1s all\u00e1 de la barrera f\u00edsica<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-dot-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Alternativas de pago dentro de un ecosistema financiero m\u00e1s amplio<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-piggy-bank\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Acceso a servicios financieros<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-cogs\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Automatizaci\u00f3n de la cadena de proveedur\u00eda<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-525acb5 elementor-widget elementor-widget-text-editor\" data-id=\"525acb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En un plano m\u00e1s estructural, <strong>Acertiqa identifica<\/strong> varias capacidades que emergen cuando la digitalizaci\u00f3n se vuelve parte integral del funcionamiento econ\u00f3mico:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b12c9c elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1b12c9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-sync-alt\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Experiencias verdaderamente omnicanal<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-desktop\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Plataformas unificadas de operaci\u00f3n y gesti\u00f3n<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-landmark\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Centralizaci\u00f3n de la tesorer\u00eda corporativa (in-house banks)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chart-bar\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Inteligencia de datos aplicada a la toma de decisiones<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c89f7a4 elementor-widget elementor-widget-text-editor\" data-id=\"c89f7a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Hoy distintos actores \u2014financieros y no financieros, tradicionales y emergentes\u2014 est\u00e1n impulsando iniciativas para cubrir alguna parte del proceso de pago. Esto ha ampliado las alternativas frente al uso del efectivo, pero tambi\u00e9n revela una limitaci\u00f3n importante: muchos de estos esfuerzos avanzan de manera fragmentada y bajo las restricciones propias de cada industria.<\/p><p>La transformaci\u00f3n no puede depender de un solo frente. Para que la digitalizaci\u00f3n genere efectos estructurales, debe avanzar de manera coordinada en toda la econom\u00eda. Y es precisamente en contextos como la <b>Copa del Mundo<\/b> donde esa coordinaci\u00f3n puede acelerarse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ae1bc2d elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ae1bc2d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1c46091\" data-id=\"1c46091\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bea33a1 elementor-widget elementor-widget-heading\" data-id=\"bea33a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><font face=\"Inter, sans-serif\"><span style=\"font-size: 30px\">Las implicaciones estrat\u00e9gicas<\/span><\/font><span style=\"font-size: 2.8rem;font-style: inherit\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1adabd4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1adabd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89875ea elementor-widget elementor-widget-text-editor\" data-id=\"89875ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La invitaci\u00f3n es observar esta transformaci\u00f3n desde una perspectiva m\u00e1s amplia y perif\u00e9rica.&nbsp;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b6bx2ai elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b6bx2ai\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f49a1ee\" data-id=\"f49a1ee\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1a85f09 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1a85f09\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-9c0707f\" data-id=\"9c0707f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0e2d56d elementor-widget elementor-widget-icon-box\" data-id=\"0e2d56d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t1. Repensar la digitalizaci\u00f3n m\u00e1s all\u00e1 de los procesos\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDigitalizar no significa \u00fanicamente automatizar procesos o adoptar herramientas tecnol\u00f3gicas. Tambi\u00e9n implica replantear la forma en que operan los negocios dentro de una econom\u00eda interconectada.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c8dfa7d elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c8dfa7d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-10cc7d4\" data-id=\"10cc7d4\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6538e01 elementor-widget elementor-widget-icon-box\" data-id=\"6538e01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t2. Entender c\u00f3mo cambian las din\u00e1micas competitivas\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLos retailers nativos digitales (e-tailers) han reconfigurado las cadenas log\u00edsticas e impulsado la aparici\u00f3n de empresas de \u00faltima milla que luego evolucionan hacia transporte o servicios financieros. En este entorno, el competidor puede surgir desde cualquier punto del ecosistema.<span style=\"font-style: inherit\"><\/span>\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-cb4d1b7 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cb4d1b7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-bd52da7\" data-id=\"bd52da7\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ac96a94 elementor-widget elementor-widget-icon-box\" data-id=\"ac96a94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t3. Observar el comportamiento real del consumidor\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLos consumidores ya no solo buscan resolver una necesidad puntual; buscan conveniencia integrada en toda su vida digital. La fidelidad se inclina hacia quienes logran combinar ambas cosas. Adem\u00e1s, los canales de interacci\u00f3n contin\u00faan expandi\u00e9ndose: una aplicaci\u00f3n puede operar desde un tel\u00e9fono, una consola de videojuegos, una Smart TV o incluso integrarse a la pantalla del autom\u00f3vil para realizar pagos o compras.<span style=\"font-style: inherit\"><\/span>\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ebbf3c6 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ebbf3c6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d540a29\" data-id=\"d540a29\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1fbde01 elementor-widget elementor-widget-icon-box\" data-id=\"1fbde01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t4. Seguir la agenda global\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEl a\u00f1o 2030 se ha convertido en un horizonte estrat\u00e9gico para organismos como la ONU, el Banco Mundial y el G20 en materia de digitalizaci\u00f3n. Ignorar esta tendencia ampliar\u00e1 inevitablemente la brecha digital<span id=\"docs-internal-guid-50de446b-7fff-146e-e198-5b437e9cb7f8\" style=\"white-space: normal\"><span style=\"font-size: 11pt;font-family: Arial, sans-serif;vertical-align: baseline;white-space: pre-wrap\">.<\/span><span style=\"font-size: 11pt;font-family: Arial, sans-serif;font-weight: 700;vertical-align: baseline;white-space: pre-wrap\"><span style=\"font-size: 0.6em;vertical-align: super\">10 11 12<\/span><\/span><\/span>\nAdicional, los fen\u00f3menos tecnol\u00f3gicos rara vez ocurren de manera aislada; tienden a conectarse y a generar efectos sist\u00e9micos. La consolidaci\u00f3n del smartphone a partir de 2007 es un ejemplo claro de c\u00f3mo una innovaci\u00f3n puede reconfigurar m\u00faltiples industrias simult\u00e1neamente<span id=\"docs-internal-guid-c4a9adc2-7fff-cb22-ff2b-5a3827f76d28\" style=\"white-space: normal\"><span style=\"font-size: 11pt;font-family: Arial, sans-serif;vertical-align: baseline;white-space: pre-wrap\">.<\/span><span style=\"font-size: 11pt;font-family: Arial, sans-serif;vertical-align: baseline;white-space: pre-wrap\"><span style=\"font-size: 0.6em;vertical-align: super\">13<\/span><\/span><\/span>\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-da3ecf1 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"da3ecf1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e3722d7\" data-id=\"e3722d7\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9c8b6bc elementor-widget elementor-widget-icon-box\" data-id=\"9c8b6bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t5. Comprender el papel de las econom\u00edas emergentes\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAunque suelen avanzar cerca de una d\u00e9cada detr\u00e1s de las econom\u00edas maduras, muchas econom\u00edas emergentes adoptan tecnolog\u00edas cuando ya han superado su fase experimental, lo que les permite alcanzar r\u00e1pidamente niveles de adopci\u00f3n cercanos al 30 %, un punto a partir del cual una innovaci\u00f3n suele convertirse en est\u00e1ndar de facto e impulsando transformaciones m\u00e1s profundas.<span style=\"font-style: inherit\"><\/span>\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3932801 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3932801\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f9e984c\" data-id=\"f9e984c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a6300af elementor-widget elementor-widget-heading\" data-id=\"a6300af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><font face=\"Inter, sans-serif\"><span style=\"font-size: 30px\">Cuando el ecosistema empieza a conectarse<\/span><\/font><span style=\"font-size: 2.8rem;font-style: inherit\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0eca2a7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0eca2a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ce08c0 elementor-widget elementor-widget-text-editor\" data-id=\"0ce08c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Un ejemplo que ilustra esta l\u00f3gica es el trabajo que <b>J.P. Morgan<\/b> impulsa a trav\u00e9s de sus <i>Tech Centers<\/i> alrededor del mundo.&nbsp;<span style=\"font-style: inherit;\">En algunos de sus programas orientados a j\u00f3venes creadores digitales se han planteado proyectos como el desarrollo de <\/span><b style=\"font-style: inherit;\">marketplaces de trabajos estudiantiles<\/b><span style=\"font-style: inherit;\">, donde los j\u00f3venes pueden encontrar tareas que realizar en su tiempo libre, negociar condiciones y recibir el pago digitalmente dentro de la misma plataforma.&nbsp;<\/span><span style=\"font-style: inherit;\">Los recursos pueden depositarse directamente en una <b>billetera digital<\/b>, desde donde los estudiantes pueden utilizarlos en distintos entornos digitales, por ejemplo dentro de marketplaces de videojuegos u otros servicios en l\u00ednea.<\/span><\/p>\n<p>M\u00e1s all\u00e1 del caso espec\u00edfico, lo interesante es la l\u00f3gica detr\u00e1s de estas iniciativas: <b>conectar distintos nodos del ecosistema econ\u00f3mico dentro de una misma experiencia digital<\/b>.&nbsp;<span style=\"font-style: inherit;\">Algunos de esos j\u00f3venes \u2014o muchos otros que ya piensan de esta manera\u2014 probablemente asistir\u00e1n con sus padres a alg\u00fan partido de la Copa del Mundo. Y mientras disfrutan del espect\u00e1culo, seguir\u00e1n imaginando nuevas formas de conectar comercio, servicios financieros, plataformas digitales y experiencias cotidianas<\/span><span style=\"font-style: inherit; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); font-size: 11pt; font-family: Arial, sans-serif; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;\">.<\/span><span style=\"font-style: inherit; caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); font-size: 11pt; font-family: Arial, sans-serif; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">14<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-db77beb elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"db77beb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f016078\" data-id=\"f016078\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5d654cd elementor-widget elementor-widget-heading\" data-id=\"5d654cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><font face=\"Inter, sans-serif\"><span style=\"font-size: 30px\">La trampa del arquero novato<\/span><\/font><span style=\"font-size: 2.8rem;font-style: inherit\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b09fdab elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b09fdab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8355e22 elementor-widget elementor-widget-text-editor\" data-id=\"8355e22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">La situaci\u00f3n puede resumirse con una analog\u00eda sencilla.&nbsp;<\/span><span style=\"font-style: inherit;\">Un arquero experimentado no se obsesiona con el centro de la diana. Su atenci\u00f3n est\u00e1 en el proceso: la postura, la tensi\u00f3n del arco, la respiraci\u00f3n, el punto de liberaci\u00f3n de la flecha.&nbsp;<\/span><span style=\"font-style: inherit;\">El arquero novato, en cambio, fija la vista \u00fanicamente en el centro del objetivo. Visualiza el resultado antes de preparar el lanzamiento.&nbsp;<\/span><span style=\"font-style: inherit;\">Algo parecido ocurre cuando se habla de pagos digitales. Con frecuencia el debate se concentra en el punto visible del sistema \u2014el momento del pago\u2014 como si ese fuera el verdadero centro de la transformaci\u00f3n.<\/span><\/p>\n<p><b>Pero los pagos son solo la flecha.&nbsp;<\/b><\/p><p><span style=\"font-style: inherit;\">Lo que realmente determina el resultado es todo lo que ocurre antes:<\/span><b style=\"font-style: inherit;\">&nbsp;<span style=\"font-style: inherit;\">la infraestructura digital, la interoperabilidad entre sistemas, la log\u00edstica del comercio electr\u00f3nico, la identidad digital, la gesti\u00f3n de datos y la integraci\u00f3n entre plataformas, empresas e instituciones financieras.&nbsp;<\/span><\/b><\/p>\n<p><span style=\"font-style: inherit;\">Cuando solo modernizamos una parte del sistema, es como si el arquero estuviera convencido de que la flecha ya est\u00e1 en el centro de la diana antes de haber tensado el arco.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La digitalizaci\u00f3n de la econom\u00eda exige algo distinto: <\/span><b>preparar todo el proceso<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Y mientras gobiernos, empresas y plataformas intentan conectar esos nodos, hay alguien que ya est\u00e1 viviendo el resultado de esa transformaci\u00f3n \u2014o de su ausencia\u2014: <\/span><b>el consumidor<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ser\u00e1 \u00e9l quien, al recorrer aeropuertos, ciudades, comercios y servicios durante la Copa del Mundo, eval\u00fae si la experiencia funciona como un sistema integrado\u2026<\/span><\/p>\n<p><b>o si la flecha nunca estuvo realmente preparada para llegar al centro de la diana.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-b241155 e-flex e-con-boxed e-con e-parent\" data-id=\"b241155\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ac3cc1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8ac3cc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-643ff00 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"643ff00\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-10e5b8a\" data-id=\"10e5b8a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f285465 elementor-widget elementor-widget-text-editor\" data-id=\"f285465\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p dir=\"ltr\" style=\"line-height: 1.2; margin-top: 12pt; margin-bottom: 12pt;\"><span style=\"font-size: 12pt; font-family: Arial, sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Referencias<\/span><\/p><p dir=\"ltr\" style=\"line-height: 1.656; margin-top: 0pt; margin-bottom: 0pt;\"><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">1 <\/span><\/span><span style=\"color: #000000; font-family: 'Google Sans', sans-serif; font-size: 8pt; white-space: pre-wrap;\">World Bank. (2024). Land area (sq. km). <\/span><span style=\"font-style: inherit; font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration-line: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\"><a style=\"font-style: inherit;\" href=\"https:\/\/data.worldbank.org\/indicator\/AG.LND.TOTL.K2\">https:\/\/data.worldbank.org\/indicator\/AG.LND.TOTL.K2<\/a> <\/span><\/p><p><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; font-weight: bold; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">2. <\/span><\/span><span style=\"font-style: inherit; color: #000000; font-family: 'Google Sans', sans-serif; font-size: 8pt; white-space: pre-wrap;\">United Nations, Department of Economic and Social Affairs, Population Division. (2024). World Population Prospects 2024.<\/span> <span style=\"font-style: inherit; font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration-line: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\"><a style=\"font-style: inherit;\" href=\"https:\/\/population.un.org\/wpp\/\">https:\/\/population.un.org\/wpp\/<\/a><br \/><\/span><span style=\"font-style: inherit; font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; font-weight: bold; font-variant-ligatures: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">3. <\/span><\/span><span style=\"font-style: inherit; color: #000000; font-family: 'Google Sans', sans-serif; font-size: 8pt; white-space: pre-wrap;\">World Bank. (2024). Population, total. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/data.worldbank.org\/indicator\/SP.POP.TOTL\"><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/data.worldbank.org\/indicator\/SP.POP.TOTL<\/span><\/a><br \/><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">4. <\/span><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Reuters. (2025, November 19). U.S. tourism expected to score big with FIFA World Cup. Reuters. <\/span><span style=\"text-decoration: underline; font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\"><a style=\"text-decoration: none;\" href=\"https:\/\/www.reuters.com\/sports\/soccer\/us-tourism-expected-score-big-with-fifa-world-cup-2025-11-19\/\">https:\/\/www.reuters.com\/sports\/soccer\/us-tourism-expected-score-big-with-fifa-world-cup-2025-11-19\/<\/a> <\/span><br \/><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">5. <\/span><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Reuters. (2026, January 14). Soccer: FIFA receives record 500 million ticket requests for 2026 World Cup. Reuters. <\/span><span style=\"text-decoration: underline; font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\"><a style=\"text-decoration: none;\" href=\"https:\/\/www.reuters.com\/sports\/soccer\/soccer-fifa-receives-record-500-million-ticket-requests-2026-world-cup-2026-01-14\/\">https:\/\/www.reuters.com\/sports\/soccer\/soccer-fifa-receives-record-500-million-ticket-requests-2026-world-cup-2026-01-14\/<\/a> <\/span><br \/><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">6. <\/span><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Getswish AB. (2026). <\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Swish for charity<\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. Swish. Recuperado el 14 de marzo de 2026, de <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/www.swish.nu\/charity?cat=Health+and+care\"><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #1155cc; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/www.swish.nu\/charity?cat=Health+and+care<\/span><\/a><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">\u00a0<br \/><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">7. <\/span><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">ACI Worldwide &amp; GlobalData. (2023, 29 de marzo). <\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Prime Time for Real-Time 2023<\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. ACI Worldwide.<br \/><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">8. <\/span><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Banco de M\u00e9xico. (s.\u202ff.). <\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">SPEI\u00ae, transferencias<\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. Banco de M\u00e9xico. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/www.banxico.org.mx\/servicios\/spei_-transferencias-banco-me.html\"><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #1155cc; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/www.banxico.org.mx\/servicios\/spei_-transferencias-banco-me.html<\/span><\/a><br \/><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">9. <\/span><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Western Union. (2026). <\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Western Union: Env\u00edo de dinero en l\u00ednea<\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. Western Union. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/www.westernunion.com\/us\/es\/home.html\"><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #1155cc; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/www.westernunion.com\/us\/es\/home.html<\/span><\/a><br \/><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">10. <\/span><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">United Nations. (n.d.). <\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Goal 9: Industry, innovation and infrastructure<\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. United Nations Sustainable Development Goals.<\/span><a style=\"text-decoration: none;\" href=\"https:\/\/sdgs.un.org\/goals\/goal9\"> <span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #1155cc; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/sdgs.un.org\/goals\/goal9<\/span><\/a><br \/><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">11. <\/span><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">G20. (2016). <\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">G20 high-level principles for digital financial inclusion<\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. Global Partnership for Financial Inclusion.<\/span><a style=\"text-decoration: none;\" href=\"https:\/\/www.gpfi.org\/sites\/default\/files\/G20%20High%20Level%20Principles%20for%20Digital%20Financial%20Inclusion.pdf\"> <span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #1155cc; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/www.gpfi.org\/sites\/default\/files\/G20%20High%20Level%20Principles%20for%20Digital%20Financial%20Inclusion.pdf<\/span><\/a><br \/><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">12. <\/span><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">World Bank. (2023). <\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Digital financial inclusion<\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. World Bank Group. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/publication\/digital-financial-inclusion?utm_source=chatgpt.com\"><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #1155cc; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/publication\/digital-financial-inclusion <\/span><\/a><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Nota: los objetivos del Banco Mundial, se actualizan con base en la Agenda 2030 de Naciones Unidas (ODS) y G20 High-Level Principles for Digital Financial Inclusion<br \/><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">13. <\/span><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Telef\u00f3nica. (2023, 27 de junio). <\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">El primer smartphone: una historia de innovaci\u00f3n<\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. Telef\u00f3nica. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/www.telefonica.com\/es\/sala-comunicacion\/blog\/primer-smartphone\/\"><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #1155cc; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/www.telefonica.com\/es\/sala-comunicacion\/blog\/primer-smartphone\/<\/span><\/a><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"> <br \/><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\"><span style=\"font-size: 0.6em; vertical-align: super;\">14. <\/span><\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">JPMorgan Chase &amp; Co. (s.\u202ff.). <\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: italic; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Programs<\/span><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">. JPMorgan Chase &amp; Co. <\/span><a style=\"text-decoration: none;\" href=\"https:\/\/www.jpmorganchase.com\/careers\/explore-opportunities\/programs\"><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #1155cc; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: underline; text-decoration-skip-ink: none; vertical-align: baseline; white-space: pre-wrap;\">https:\/\/www.jpmorganchase.com\/careers\/explore-opportunities\/programs<\/span><\/a><span style=\"font-size: 8pt; font-family: 'Google Sans', sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-variant-alternates: normal; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-position: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">\u00a0<\/span><\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-48888ab0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"48888ab0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19368c1f\" data-id=\"19368c1f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6a64707c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6a64707c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4061ab15\" data-id=\"4061ab15\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8c66e8a elementor-widget elementor-widget-heading\" data-id=\"8c66e8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"elementor-heading-title elementor-size-default elementor-inline-editing pen\" data-elementor-setting-key=\"title\" data-pen-placeholder=\"Digite aqui...\" style=\"border: 0px;font-size: 2.8rem;vertical-align: baseline;clear: both;line-height: 1.3em\"><span class=\"elementor-heading-title elementor-size-default elementor-inline-editing pen\" data-elementor-setting-key=\"title\" data-pen-placeholder=\"Digite aqui...\" style=\"line-height: 1.3em;border: 0px;font-size: 2.133333rem;vertical-align: baseline;clear: both\">Meet the Author<\/span><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-18730807 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18730807\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-7f3a14e0\" data-id=\"7f3a14e0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-38b5afa0\" data-id=\"38b5afa0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31afc954 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"31afc954\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" src=\"https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/elementor\/thumbs\/Abraham-Corro_Foto_Baby-Blue-rl30g5u2qhcso8ey78rnsmy9be89a7njuzemy93s7m.jpg\" title=\"Abraham Corro_Foto_Baby Blue\" alt=\"Abraham Corro_Foto_Baby Blue\" loading=\"lazy\" \/><\/figure><div class=\"elementor-image-box-content\"><h5 class=\"elementor-image-box-title\">Abraham Corro<\/h5><p class=\"elementor-image-box-description\">CEO<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c4abe6d elementor-widget elementor-widget-text-editor\" data-id=\"6c4abe6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>CEO de Acertiqa y estratega en inteligencia de mercado. Con amplia trayectoria en tecnolog\u00eda y SaaS, convierte la anal\u00edtica en visi\u00f3n ejecutable y el crecimiento en una disciplina basada en prop\u00f3sito, eficiencia y aprendizaje continuo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e2271bf elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"2e2271bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-a3c239a\" href=\"https:\/\/www.linkedin.com\/in\/acorroe\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-165c926c\" data-id=\"165c926c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-220c57f2 e-flex e-con-boxed e-con e-parent\" data-id=\"220c57f2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4a6d381e e-con-full e-flex e-con e-child\" data-id=\"4a6d381e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44e5c5d2 elementor-widget elementor-widget-image\" data-id=\"44e5c5d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/acertiqa.com\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"300\" src=\"https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/2026\/02\/Frame-3-3-1024x300.png\" class=\"attachment-large size-large wp-image-2015\" alt=\"\" srcset=\"https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/2026\/02\/Frame-3-3-1024x300.png 1024w, https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/2026\/02\/Frame-3-3-300x88.png 300w, https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/2026\/02\/Frame-3-3-768x225.png 768w, 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data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">GET IN TOUCH<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e338d78 e-con-full e-flex e-con e-child\" data-id=\"5e338d78\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a553de0 elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"7a553de0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>talkto@acertiqa.com<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-259d921d elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-shape-rounded elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"259d921d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-5a80111\" href=\"https:\/\/www.linkedin.com\/company\/acertiqa\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-youtube elementor-repeater-item-48c8ba8\" href=\"https:\/\/www.youtube.com\/@AcertiqaMexico\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Youtube<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-youtube\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3cd10a01 e-flex e-con-boxed e-con e-parent\" data-id=\"3cd10a01\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47899743 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"47899743\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40822087 elementor-widget elementor-widget-text-editor\" data-id=\"40822087\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00a9 2025 Acertiqa. All rights reserved.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>El futuro de los pagos est\u00e1 en la econom\u00eda digital A un mes y medio del Mundial, M\u00e9xico, Canad\u00e1 y Estados Unidos concentran casi el 55% del territorio americano y recibir\u00e1n a m\u00e1s de dos millones de visitantes de hasta 150 pa\u00edses. La pregunta no es si los pagos digitales funcionar\u00e1n. La pregunta es si [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","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":""},"class_list":["post-2553","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/acertiqa.com\/blog\/wp-json\/wp\/v2\/pages\/2553","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/acertiqa.com\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/acertiqa.com\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/acertiqa.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/acertiqa.com\/blog\/wp-json\/wp\/v2\/comments?post=2553"}],"version-history":[{"count":25,"href":"https:\/\/acertiqa.com\/blog\/wp-json\/wp\/v2\/pages\/2553\/revisions"}],"predecessor-version":[{"id":2702,"href":"https:\/\/acertiqa.com\/blog\/wp-json\/wp\/v2\/pages\/2553\/revisions\/2702"}],"wp:attachment":[{"href":"https:\/\/acertiqa.com\/blog\/wp-json\/wp\/v2\/media?parent=2553"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}