{"id":3334,"date":"2026-11-03T15:09:09","date_gmt":"2026-11-03T21:09:09","guid":{"rendered":"https:\/\/acertiqa.com\/blog\/?page_id=3334"},"modified":"2026-11-04T13:20:32","modified_gmt":"2026-11-04T19:20:32","slug":"ley-fintech-8-anos-despues-licencias-si-innovacion-pendiente","status":"publish","type":"page","link":"https:\/\/acertiqa.com\/blog\/ley-fintech-8-anos-despues-licencias-si-innovacion-pendiente\/","title":{"rendered":"Ley Fintech, 8 a\u00f1os despu\u00e9s: licencias s\u00ed, innovaci\u00f3n pendiente"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3334\" class=\"elementor elementor-3334\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b55f6f e-flex e-con-boxed e-con e-parent\" data-id=\"6b55f6f\" 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 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data-settings=\"{&quot;width&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;space&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:100,&quot;sizes&quot;:[]},&quot;width_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;width_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;space_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;space_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_border_radius&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;image_border_radius_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;image_border_radius_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;caption_padding&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;caption_padding_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;caption_padding_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;top&quot;:&quot;&quot;,&quot;right&quot;:&quot;&quot;,&quot;bottom&quot;:&quot;&quot;,&quot;left&quot;:&quot;&quot;,&quot;isLinked&quot;:true},&quot;caption_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;caption_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;caption_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"site-logo.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"hfe-site-logo\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a data-elementor-open-lightbox=\"\"  class='elementor-clickable' href=\"https:\/\/acertiqa.com\/blog\">\n\t\t\t\t\t\t\t<div class=\"hfe-site-logo-set\">           \n\t\t\t\t<div class=\"hfe-site-logo-container\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"hfe-site-logo-img elementor-animation-\"  src=\"https:\/\/acertiqa.com\/blog\/wp-content\/uploads\/elementor\/thumbs\/cropped-Frame-7-2-rrt49pp3b2sx9xdwfpl3t229pxl42mu54iu4cxddby.png\" alt=\"default-logo\"\/>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>  \n\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-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\/Rodovia-Noturna-em-Longa-Exposicao-rvttkccsynr0c9x6lhlwab8292vjsvgszgn4ik950w.png\" title=\"Rodovia Noturna em Longa Exposi\u00e7\u00e3o\" alt=\"Rodovia Noturna em Longa Exposi\u00e7\u00e3o\" 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-initial 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\">Ley Fintech, 8 a\u00f1os despu\u00e9s: <br>licencias s\u00ed, innovaci\u00f3n pendiente<span style=\"font-size: 2.8rem;font-style: inherit;text-align: var(--text-align)\"><\/span><\/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;\">M\u00e9xico tiene 89 instituciones autorizadas, cero modelos novedosos aprobados y un open finance que sigue sin reglas t\u00e9cnicas. Y ahora llega la Ley de Econom\u00eda Digital, que busca convertir el pago digital en obligaci\u00f3n.<\/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\">REGULACI\u00d3N FINTECH<\/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\/2026\/03\/icons8-circle-24.png\" title=\"\" alt=\"\" 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\">Octubre-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\/2026\/03\/icons8-circle-24.png\" title=\"\" alt=\"\" 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\/2026\/03\/clock-8.png\" title=\"\" alt=\"\" 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\">6 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-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; font-style: inherit;\"><strong>Ocho a\u00f1os despu\u00e9s de la Ley Fintech, M\u00e9xico tiene 89 instituciones autorizadas, cero modelos novedosos aprobados y un open finance que sigue sin reglas t\u00e9cnicas.<\/strong> Y justo cuando el sector entra en su fase de consolidaci\u00f3n, el gobierno empuja otra pieza: una Ley de Econom\u00eda Digital que quiere convertir el pago digital en obligaci\u00f3n, no en opci\u00f3n.<\/span><\/p><p><span style=\"font-family: Inter, sans-serif;\">En marzo de 2018 M\u00e9xico fue el primer pa\u00eds de Am\u00e9rica Latina en legislar sobre tecnolog\u00eda financiera. La promesa era un mercado m\u00e1s abierto, m\u00e1s competido y con m\u00e1s opciones para usuarios y empresas. El balance de 2026 es desigual: la v\u00eda regulada para pagos y crowdfunding funciona, pero las dos herramientas pensadas para atraer modelos realmente nuevos no despegaron.<\/span><\/p><p><span style=\"font-family: Inter, sans-serif;\">Este an\u00e1lisis re\u00fane los datos del Informe anual 2025 de Banxico, el padr\u00f3n de la CNBV y el Fintech Radar 2026, y los cruza con la iniciativa de Ley de Econom\u00eda Digital que hoy discute la C\u00e1mara de Diputados.<\/span><\/p><div>\u00a0<\/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-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\">Los n\u00fameros: 201 solicitudes, 89 autorizaciones<\/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><span style=\"font-size: 15px;\"><strong>Desde 2019 Banxico recibi\u00f3 201 solicitudes de autorizaci\u00f3n y aprob\u00f3 89, el 44%<\/strong>. Dos de cada tres solicitudes fueron para pagos electr\u00f3nicos, lo que confirma d\u00f3nde estuvo el apetito del mercado.<\/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-0d95271 e-flex e-con-boxed e-con e-parent\" data-id=\"0d95271\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a0af92 elementor-widget elementor-widget-html\" data-id=\"7a0af92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Crosswinds \u00b7 Ley Fintech \u00b7 Panel \"Ley Fintech en cifras\" (bloque aut\u00f3nomo, no depende del CSS del bloque 00) -->\n<style>\n.cwf-panel{font-family:\"Inter\",sans-serif;background:#EEF4FF;border-radius:14px;padding:36px 40px;margin:36px 0;box-sizing:border-box}\n.cwf-panel *{box-sizing:border-box}\n.cwf-panel .cwf-kicker{font-size:14px;line-height:1.4;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:#3E8CFF;margin:0 0 8px}\n.cwf-panel .cwf-title{font-size:26px;line-height:1.3;font-weight:700;color:#0E1A2C;margin:0 0 28px}\n.cwf-panel .cwf-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}\n.cwf-panel .cwf-stat{border-left:2px solid #3E8CFF;padding-left:16px}\n.cwf-panel .cwf-stat .cwf-num{display:block;font-size:46px;line-height:1.15;font-weight:600;color:#3E8CFF;letter-spacing:-.01em;margin:0 0 6px}\n.cwf-panel .cwf-stat .cwf-label{display:block;font-size:14px;line-height:19px;font-weight:400;color:#54595F;margin:0}\n.cwf-panel .cwf-bars{margin-top:32px;padding-top:28px;border-top:1px solid #D6E3FA}\n.cwf-panel .cwf-bars-title{font-size:14px;line-height:1.4;font-weight:600;color:#0E1A2C;margin:0 0 16px}\n.cwf-panel .cwf-bar{display:grid;grid-template-columns:240px 1fr 48px;align-items:center;gap:14px;margin:0 0 12px;font-size:14px;line-height:1.4}\n.cwf-panel .cwf-bar-label{display:block;color:#0E1A2C;font-weight:500}\n.cwf-panel .cwf-bar-track{display:block;height:12px;background:#FFFFFF;border-radius:6px;overflow:hidden}\n.cwf-panel .cwf-bar-fill{display:block;height:12px;background:#3E8CFF;border-radius:6px}\n.cwf-panel .cwf-bar-val{display:block;font-weight:600;color:#0E1A2C;text-align:right}\n.cwf-panel .cwf-note{font-size:12px;line-height:1.5;color:#7A7A7A;margin:24px 0 0}\n@media (max-width:767px){\n  .cwf-panel{padding:26px 22px}\n  .cwf-panel .cwf-title{font-size:21px}\n  .cwf-panel .cwf-stats{grid-template-columns:1fr;gap:20px}\n  .cwf-panel .cwf-stat .cwf-num{font-size:36px}\n  .cwf-panel .cwf-bar{grid-template-columns:1fr 40px;gap:6px 10px}\n  .cwf-panel .cwf-bar-label{grid-column:1 \/ -1}\n}\n<\/style>\n\n<div class=\"cwf-panel\">\n  <p class=\"cwf-kicker\">Ley Fintech en cifras<\/p>\n  <p class=\"cwf-title\">Ocho a\u00f1os de autorizaciones, en tres se\u00f1ales<\/p>\n\n  <div class=\"cwf-stats\">\n    <div class=\"cwf-stat\">\n      <span class=\"cwf-num\">201<\/span>\n      <span class=\"cwf-label\">Solicitudes de autorizaci\u00f3n recibidas por Banxico desde 2019.<\/span>\n    <\/div>\n    <div class=\"cwf-stat\">\n      <span class=\"cwf-num\">89<\/span>\n      <span class=\"cwf-label\">Instituciones autorizadas, el 44% de las solicitudes.<\/span>\n    <\/div>\n    <div class=\"cwf-stat\">\n      <span class=\"cwf-num\">0<\/span>\n      <span class=\"cwf-label\">Modelos novedosos aprobados en el sandbox regulatorio.<\/span>\n    <\/div>\n  <\/div>\n\n  <div class=\"cwf-bars\">\n    <p class=\"cwf-bars-title\">Autorizaciones por figura, 2019\u20132025<\/p>\n    <div class=\"cwf-bar\">\n      <span class=\"cwf-bar-label\">IFPE (pagos electr\u00f3nicos)<\/span>\n      <span class=\"cwf-bar-track\"><span class=\"cwf-bar-fill\" style=\"width:100%\"><\/span><\/span>\n      <span class=\"cwf-bar-val\">62<\/span>\n    <\/div>\n    <div class=\"cwf-bar\">\n      <span class=\"cwf-bar-label\">IFC (financiamiento colectivo)<\/span>\n      <span class=\"cwf-bar-track\"><span class=\"cwf-bar-fill\" style=\"width:43.5%\"><\/span><\/span>\n      <span class=\"cwf-bar-val\">27<\/span>\n    <\/div>\n    <div class=\"cwf-bar\">\n      <span class=\"cwf-bar-label\">Sandbox (modelos novedosos)<\/span>\n      <span class=\"cwf-bar-track\"><span class=\"cwf-bar-fill\" style=\"width:0%\"><\/span><\/span>\n      <span class=\"cwf-bar-val\">0<\/span>\n    <\/div>\n  <\/div>\n\n  <p class=\"cwf-note\">Fuente: Banxico, Informe anual 2025, v\u00eda Mundo Ejecutivo.<\/p>\n<\/div>\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-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><span style=\"font-family: Inter, sans-serif; font-size: 15px; font-style: inherit;\">IFPE (<\/span><span style=\"font-size: 15px;\">Instituci\u00f3n de Fondos de Pago Electr\u00f3nico)\u00a0<\/span><span style=\"font-family: Inter, sans-serif; font-size: 15px; font-style: inherit;\">e IFC (<\/span><span style=\"font-size: 15px;\">Instituci\u00f3n de Financiamiento Colectivo)<\/span><span style=\"font-size: 15px; font-style: inherit;\">\u00a0se aprueban a un ritmo parecido, cerca de la mitad. La anomal\u00eda es el sandbox: ninguna de sus solicitudes prosper\u00f3 en ocho a\u00f1os.<\/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\">Autorizado no es lo mismo que operando<\/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-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><strong>E<\/strong><b>l universo real de fintech reguladas con las que una empresa puede trabajar hoy es de 77, no de 89<\/b>. Banxico subraya que obtener la licencia no equivale a estar en el mercado: varias instituciones nuevas segu\u00edan en periodo preoperativo al cierre de 2025.<\/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-9a059c3 e-flex e-con-boxed e-con e-parent\" data-id=\"9a059c3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-741f91c elementor-widget elementor-widget-html\" data-id=\"741f91c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n.cwo{font-family:\"Inter\",sans-serif;background:#EEF4FF;border-radius:14px;padding:36px 40px 30px;margin:36px 0;color:#4A4A4A;box-sizing:border-box}\n.cwo *{box-sizing:border-box}\n.cwo .cwo-kicker{font-size:14px;line-height:1.4;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:#3E8CFF;margin:0 0 8px}\n.cwo .cwo-title{font-size:26px;line-height:1.3;font-weight:700;color:#0E1A2C;margin:0 0 8px}\n.cwo .cwo-lede{font-size:14px;line-height:21px;color:#54595F;margin:0 0 22px;max-width:620px}\n.cwo .cwo-legend{display:flex;flex-wrap:wrap;gap:8px 22px;font-size:13px;line-height:1.4;color:#54595F;margin:0 0 8px}\n.cwo .cwo-legend span{display:inline-flex;align-items:center;gap:8px}\n.cwo .cwo-legend .cwo-d{width:11px;height:11px}\n.cwo .cwo-row{display:grid;grid-template-columns:190px 1fr 130px;gap:24px;align-items:center;padding:22px 0;border-bottom:1px solid #D6E3FA}\n.cwo .cwo-name{display:flex;flex-direction:column;gap:2px;border-left:2px solid #3E8CFF;padding-left:14px}\n.cwo .cwo-tag{font-size:18px;line-height:1.2;font-weight:700;color:#0E1A2C}\n.cwo .cwo-desc{font-size:13px;line-height:1.4;color:#54595F}\n.cwo .cwo-auth{font-size:12px;line-height:1.4;color:#7A7A7A;margin-top:4px}\n.cwo .cwo-dots{display:grid;grid-template-columns:repeat(31,1fr);gap:5px;max-width:520px}\n.cwo .cwo-d{display:block;width:100%;aspect-ratio:1\/1;border-radius:50%;background:#3E8CFF}\n.cwo .cwo-d.cwo-off{background:#FFFFFF;box-shadow:inset 0 0 0 1.5px #A0C8F3}\n.cwo .cwo-res{text-align:right;display:flex;flex-direction:column}\n.cwo .cwo-big{font-size:46px;line-height:1.1;font-weight:600;color:#3E8CFF;letter-spacing:-.01em}\n.cwo .cwo-pct{font-size:13px;line-height:1.4;color:#54595F;margin-top:2px}\n.cwo .cwo-total{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:26px}\n.cwo .cwo-total div{display:flex;flex-direction:column;border-left:2px solid #3E8CFF;padding-left:16px}\n.cwo .cwo-total strong{font-size:34px;line-height:1.15;font-weight:600;color:#3E8CFF}\n.cwo .cwo-total span{font-size:14px;line-height:19px;color:#54595F;margin-top:4px}\n.cwo .cwo-src{font-size:12px;line-height:1.5;color:#7A7A7A;margin:24px 0 0}\n@media (max-width:767px){\n  .cwo{padding:26px 22px 24px}\n  .cwo .cwo-title{font-size:21px}\n  .cwo .cwo-row{grid-template-columns:1fr auto;gap:14px 16px}\n  .cwo .cwo-dots{grid-column:1 \/ -1;grid-row:2;grid-template-columns:repeat(16,1fr);gap:4px}\n  .cwo .cwo-big{font-size:36px}\n  .cwo .cwo-total{grid-template-columns:1fr;gap:18px}\n  .cwo .cwo-total strong{font-size:30px}\n}\n<\/style>\n\n<div class=\"cwo\">\n  <p class=\"cwo-kicker\">Licencias fintech en M\u00e9xico<\/p>\n  <p class=\"cwo-title\">De 89 licencias, 77 est\u00e1n en el mercado<\/p>\n  <p class=\"cwo-lede\">Cada punto es una instituci\u00f3n autorizada por Banxico. La brecha se concentra en pagos.<\/p>\n  <div class=\"cwo-legend\">\n    <span><i class=\"cwo-d\"><\/i>En operaci\u00f3n (padr\u00f3n CNBV, 2 oct. 2026)<\/span>\n    <span><i class=\"cwo-d cwo-off\"><\/i>Autorizada, a\u00fan sin operar<\/span>\n  <\/div>\n\n  <div class=\"cwo-row\">\n    <div class=\"cwo-name\"><span class=\"cwo-tag\">IFPE<\/span><span class=\"cwo-desc\">Pagos electr\u00f3nicos<\/span><span class=\"cwo-auth\">62 autorizadas<\/span><\/div>\n    <div class=\"cwo-dots\" role=\"img\" aria-label=\"51 de 62 IFPE en operaci\u00f3n\"><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d cwo-off\"><\/i><i class=\"cwo-d cwo-off\"><\/i><i class=\"cwo-d cwo-off\"><\/i><i class=\"cwo-d cwo-off\"><\/i><i class=\"cwo-d cwo-off\"><\/i><i class=\"cwo-d cwo-off\"><\/i><i class=\"cwo-d cwo-off\"><\/i><i class=\"cwo-d cwo-off\"><\/i><i class=\"cwo-d cwo-off\"><\/i><i class=\"cwo-d cwo-off\"><\/i><i class=\"cwo-d cwo-off\"><\/i><\/div>\n    <div class=\"cwo-res\"><span class=\"cwo-big\">51<\/span><span class=\"cwo-pct\">82% en operaci\u00f3n<\/span><\/div>\n  <\/div>\n\n  <div class=\"cwo-row\">\n    <div class=\"cwo-name\"><span class=\"cwo-tag\">IFC<\/span><span class=\"cwo-desc\">Financiamiento colectivo<\/span><span class=\"cwo-auth\">27 autorizadas<\/span><\/div>\n    <div class=\"cwo-dots\" role=\"img\" aria-label=\"26 de 27 IFC en operaci\u00f3n\"><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d\"><\/i><i class=\"cwo-d cwo-off\"><\/i><\/div>\n    <div class=\"cwo-res\"><span class=\"cwo-big\">26<\/span><span class=\"cwo-pct\">96% en operaci\u00f3n<\/span><\/div>\n  <\/div>\n\n  <div class=\"cwo-total\">\n    <div><strong>89<\/strong><span>ITF autorizadas por Banxico a diciembre de 2025.<\/span><\/div>\n    <div><strong>77<\/strong><span>En operaci\u00f3n seg\u00fan el padr\u00f3n CNBV al 2 de octubre de 2026.<\/span><\/div>\n    <div><strong>87%<\/strong><span>De las licencias autorizadas ya opera en el mercado.<\/span><\/div>\n  <\/div>\n  <p class=\"cwo-src\">Fuentes: Banxico, Informe anual 2025; Padr\u00f3n de Entidades Supervisadas de la CNBV, v\u00eda Unknown Gravity.<\/p>\n<\/div>\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-8b780ff elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8b780ff\" 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-40f172f\" data-id=\"40f172f\" 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-b5e684e elementor-widget elementor-widget-text-editor\" data-id=\"b5e684e\" 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>La brecha se concentra en pagos: de las 33 IFPE de nueva creaci\u00f3n, solo 18 operaban a fines de 2025. Las otras 29 ven\u00edan del r\u00e9gimen transitorio de 2018, es decir, ya exist\u00edan antes de la ley. Para un tesorero o un director de compras, la regla es simple: verificar autorizaci\u00f3n vigente y operaci\u00f3n activa en el <a href=\"https:\/\/pes.cnbv.gob.mx\/\">Padr\u00f3n de Entidades Supervisadas<\/a>, no solo el tr\u00e1mite.<\/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<div class=\"elementor-element elementor-element-174d5a0 e-flex e-con-boxed e-con e-parent\" data-id=\"174d5a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70e73df elementor-widget elementor-widget-html\" data-id=\"70e73df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n.cw-article{font-family:\"Inter\",sans-serif;color:#4A4A4A;font-size:16px;line-height:26px;font-weight:400}\n.cw-article *{box-sizing:border-box}\n.cw-article p{margin:0 0 18px}\n.cw-article strong{color:#0E1A2C;font-weight:600}\n.cw-article a{color:#3E8CFF;text-decoration:none;font-weight:500}\n.cw-article a:hover{text-decoration:underline}\n.cw-article .cw-h2{font-family:\"Inter\",sans-serif;font-size:30px;line-height:1.3;font-weight:700;color:#000;margin:52px 0 22px}\n.cw-article .cw-h2::after{content:\"\";display:block;width:40px;height:3px;border-radius:2px;background:#3E8CFF;margin-top:16px}\n@media (max-width:767px){.cw-article .cw-h2{font-size:24px;margin-top:40px}}\n.cw-quote{border-left:4px solid #3E8CFF;padding:4px 0 4px 22px;max-width:580px;margin:40px auto}\n.cw-article .cw-quote p{font-size:20px;line-height:30px;font-weight:500;color:#000;margin:0}\n@media (max-width:767px){.cw-article .cw-quote p{font-size:18px;line-height:27px}}\n.cw-cards{display:grid;gap:18px;margin:30px 0}\n.cw-cards.cw-2col{grid-template-columns:1fr 1fr}\n.cw-card{background:#fff;border-radius:12px;padding:24px 28px;box-shadow:0 6px 24px rgba(14,26,44,.06)}\n.cw-cards > .cw-card:nth-child(odd){background:#EEF4FF}\n.cw-cards.cw-2col > .cw-card:nth-child(odd){background:#fff}\n.cw-cards.cw-2col > .cw-card:nth-child(4n+1),.cw-cards.cw-2col > .cw-card:nth-child(4n+4){background:#EEF4FF}\n.cw-article .cw-card h4{font-family:\"Inter\",sans-serif;font-size:16px;line-height:1.3;font-weight:700;color:#000;margin:0 0 8px}\n.cw-article .cw-card p{font-size:14px;line-height:22px;margin:0}\n@media (max-width:767px){\n.cw-cards.cw-2col{grid-template-columns:1fr}\n.cw-cards.cw-2col > .cw-card:nth-child(odd){background:#EEF4FF}\n.cw-cards.cw-2col > .cw-card:nth-child(even){background:#fff}}\n<\/style>\n<div class=\"cw-article\">\n  <h2 class=\"cw-h2\">Las dos promesas pendientes: sandbox y open finance<\/h2>\n  <p><strong>Los dos mecanismos dise\u00f1ados para traer innovaci\u00f3n disruptiva llevan ocho a\u00f1os sin producir resultados.<\/strong> Eso no cierra el mercado, pero s\u00ed define por d\u00f3nde se compite.<\/p>\n \n  <div class=\"cw-cards\">\n    <div class=\"cw-card\">\n      <h4>1. Sandbox (Modelos Novedosos)<\/h4>\n      <p>Banxico contabiliza 10 solicitudes en ocho a\u00f1os y ninguna autorizaci\u00f3n. El registro de la CNBV muestra 9: cinco rechazadas y cuatro retiradas, en general porque no acreditaron que el modelo fuera realmente nuevo ni que ofreciera ventajas claras sobre lo existente. Al 2 de octubre de 2026 ese registro segu\u00eda vac\u00edo.<\/p>\n    <\/div>\n    <div class=\"cw-card\">\n      <h4>2. Open finance (art\u00edculo 76)<\/h4>\n      <p>La ley obliga desde 2018 a compartir datos v\u00eda APIs en tres capas: abiertos, agregados y transaccionales. La regulaci\u00f3n t\u00e9cnica de la capa transaccional, la que m\u00e1s valor genera, sigue sin publicarse. En enero de 2026 un grupo de emprendedores present\u00f3 un amparo contra CNBV, Banxico y SHCP por esa omisi\u00f3n.<\/p>\n    <\/div>\n    <div class=\"cw-card\">\n      <h4>3. Revisi\u00f3n regulatoria<\/h4>\n      <p>En el Fintech M\u00e9xico Festival de febrero de 2026, la CNBV habl\u00f3 de una \"fase de madurez\" y anunci\u00f3 una revisi\u00f3n integral de cripto y open finance. A la fecha no hay texto ni calendario p\u00fablico.<\/p>\n    <\/div>\n  <\/div>\n \n  <div class=\"cw-quote\">\n    <p>La arquitectura mexicana prioriz\u00f3 formalizar pagos digitales y crowdfunding. Para fondos y aceleradoras, eso significa ajustar expectativas sobre qu\u00e9 modelos pueden escalar dentro del marco vigente.<\/p>\n  <\/div>\n<\/div>\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-2bc5a60 e-flex e-con-boxed e-con e-parent\" data-id=\"2bc5a60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-09eeabd elementor-widget elementor-widget-html\" data-id=\"09eeabd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n.cw-article{font-family:\"Inter\",sans-serif;color:#4A4A4A;font-size:16px;line-height:26px;font-weight:400}\n.cw-article *{box-sizing:border-box}\n.cw-article p{margin:0 0 18px}\n.cw-article strong{color:#0E1A2C;font-weight:600}\n.cw-article a{color:#3E8CFF;text-decoration:none;font-weight:500}\n.cw-article a:hover{text-decoration:underline}\n.cw-article .cw-h2{font-family:\"Inter\",sans-serif;font-size:30px;line-height:1.3;font-weight:700;color:#000;margin:52px 0 22px}\n.cw-article .cw-h2::after{content:\"\";display:block;width:40px;height:3px;border-radius:2px;background:#3E8CFF;margin-top:16px}\n@media (max-width:767px){.cw-article .cw-h2{font-size:24px;margin-top:40px}}\n.cw-panel{background:#EEF4FF;border-radius:14px;padding:36px 40px;margin:36px 0}\n.cw-article .cw-kicker{font-size:14px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:#3E8CFF;margin:0 0 8px}\n.cw-article .cw-panel-title{font-size:26px;line-height:1.3;font-weight:700;color:#0E1A2C;margin:0 0 28px}\n.cw-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}\n.cw-stats.cw-4{grid-template-columns:repeat(4,1fr)}\n.cw-stat{border-left:2px solid #3E8CFF;padding-left:16px}\n.cw-article .cw-stat p.cw-num{font-size:46px;line-height:1.15;font-weight:600;color:#3E8CFF;margin:0 0 6px;letter-spacing:-.01em}\n.cw-article .cw-stat p{font-size:14px;line-height:19px;color:#54595F;margin:0}\n.cw-article .cw-panel-note{font-size:12px;color:#7A7A7A;margin:24px 0 0}\n@media (max-width:767px){\n.cw-panel{padding:26px 22px}\n.cw-article .cw-panel-title{font-size:21px}\n.cw-stats,.cw-stats.cw-4{grid-template-columns:1fr 1fr;gap:22px}\n.cw-article .cw-stat p.cw-num{font-size:34px}}\n<\/style>\n<div class=\"cw-article\">\n  <h2 class=\"cw-h2\">El ecosistema fuera del per\u00edmetro: 795 fintech en consolidaci\u00f3n<\/h2>\n  <p><strong>Solo una de cada nueve fintech mexicanas opera con licencia ITF.<\/strong> El Fintech Radar M\u00e9xico de Finnovista cuenta 795 fintech locales y 316 extranjeras; las 89 ITF autorizadas equivalen a apenas 8% de ese universo de 1,111 empresas. La mayor\u00eda opera como SOFOM, banco, en alianza con una entidad regulada o sin figura espec\u00edfica.<\/p>\n  <p>El mercado cambi\u00f3 de ritmo. Entre 2016 y 2022 crec\u00eda 20% a 30% al a\u00f1o; desde 2023 lo hace alrededor de 2%. Las se\u00f1ales de madurez son claras:<\/p>\n \n  <div class=\"cw-panel\">\n    <p class=\"cw-kicker\">Se\u00f1ales de madurez<\/p>\n    <p class=\"cw-panel-title\">Un ecosistema que ya no crece por nacimientos<\/p>\n    <div class=\"cw-stats cw-4\">\n      <div class=\"cw-stat\"><p class=\"cw-num\">70%<\/p><p>De las fintech supera los cinco a\u00f1os de operaci\u00f3n.<\/p><\/div>\n      <div class=\"cw-stat\"><p class=\"cw-num\">80%<\/p><p>Ya colabora con la banca tradicional.<\/p><\/div>\n      <div class=\"cw-stat\"><p class=\"cw-num\">77%<\/p><p>Adopta IA, frente a 60% un a\u00f1o antes.<\/p><\/div>\n      <div class=\"cw-stat\"><p class=\"cw-num\">#1<\/p><p>Cr\u00e9dito lidera por segmentos; pagos cay\u00f3 al tercer lugar.<\/p><\/div>\n    <\/div>\n    <p class=\"cw-panel-note\">Fuente: Finnovista, Fintech Radar M\u00e9xico, v\u00eda DPL News.<\/p>\n  <\/div>\n \n  <p>Esto es lo que Banxico llama consolidaci\u00f3n pendiente: menos nacimientos, m\u00e1s alianzas y una competencia que se decide por ejecuci\u00f3n, cumplimiento y distribuci\u00f3n, no por novedad regulatoria.<\/p>\n<\/div>\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-2328f4e e-flex e-con-boxed e-con e-parent\" data-id=\"2328f4e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-05fa415 elementor-widget elementor-widget-html\" data-id=\"05fa415\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n.cw-article{font-family:\"Inter\",sans-serif;color:#4A4A4A;font-size:16px;line-height:26px;font-weight:400}\n.cw-article *{box-sizing:border-box}\n.cw-article p{margin:0 0 18px}\n.cw-article strong{color:#0E1A2C;font-weight:600}\n.cw-article a{color:#3E8CFF;text-decoration:none;font-weight:500}\n.cw-article a:hover{text-decoration:underline}\n.cw-article .cw-h2{font-family:\"Inter\",sans-serif;font-size:30px;line-height:1.3;font-weight:700;color:#000;margin:52px 0 22px}\n.cw-article .cw-h2::after{content:\"\";display:block;width:40px;height:3px;border-radius:2px;background:#3E8CFF;margin-top:16px}\n@media (max-width:767px){.cw-article .cw-h2{font-size:24px;margin-top:40px}}\n.cw-cards{display:grid;gap:18px;margin:30px 0}\n.cw-cards.cw-2col{grid-template-columns:1fr 1fr}\n.cw-card{background:#fff;border-radius:12px;padding:24px 28px;box-shadow:0 6px 24px rgba(14,26,44,.06)}\n.cw-cards > .cw-card:nth-child(odd){background:#EEF4FF}\n.cw-cards.cw-2col > .cw-card:nth-child(odd){background:#fff}\n.cw-cards.cw-2col > .cw-card:nth-child(4n+1),.cw-cards.cw-2col > .cw-card:nth-child(4n+4){background:#EEF4FF}\n.cw-article .cw-card h4{font-family:\"Inter\",sans-serif;font-size:16px;line-height:1.3;font-weight:700;color:#000;margin:0 0 8px}\n.cw-article .cw-card p{font-size:14px;line-height:22px;margin:0}\n@media (max-width:767px){\n.cw-cards.cw-2col{grid-template-columns:1fr}\n.cw-cards.cw-2col > .cw-card:nth-child(odd){background:#EEF4FF}\n.cw-cards.cw-2col > .cw-card:nth-child(even){background:#fff}}\n.cw-status{background:#0E1A2C;border-radius:12px;padding:24px 28px;margin:32px 0;color:#E8EBF1;font-size:15px;line-height:24px}\n.cw-status-label{display:block;font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:#A0C8F3;margin-bottom:8px}\n.cw-article .cw-status strong{color:#fff}\n<\/style>\n<div class=\"cw-article\">\n  <h2 class=\"cw-h2\">Ley de Econom\u00eda Digital: del lado de la oferta al lado de la demanda<\/h2>\n  <p><strong>Si la Ley Fintech defini\u00f3 qui\u00e9n puede ofrecer servicios financieros digitales, la Ley de Econom\u00eda Digital busca que alguien est\u00e9 obligado a aceptarlos.<\/strong> Es la pieza que faltaba: M\u00e9xico tiene rieles (SPEI, CoDi, DiMo) desde hace a\u00f1os, pero 85% de las compras menores a 500 pesos se sigue pagando en efectivo.<\/p>\n  <p>La iniciativa se envi\u00f3 el 9 de septiembre de 2026 con el Paquete Econ\u00f3mico 2027. Lo que propone:<\/p>\n \n  <div class=\"cw-cards cw-2col\">\n    <div class=\"cw-card\"><h4>Sectores de pago solo digital<\/h4><p>Hacienda definir\u00e1 sectores estrat\u00e9gicos y actividades donde el pago electr\u00f3nico ser\u00e1 la \u00fanica forma aceptada. Gasolineras y casetas ser\u00edan los primeros.<\/p><\/div>\n    <div class=\"cw-card\"><h4>Gobierno como aceptante<\/h4><p>Los tres \u00f3rdenes de gobierno deber\u00e1n recibir pagos digitales en tr\u00e1mites y servicios.<\/p><\/div>\n    <div class=\"cw-card\"><h4>QR y NFC en comercios e instituciones<\/h4><p>Con obligaci\u00f3n de informar que el medio est\u00e1 disponible.<\/p><\/div>\n    <div class=\"cw-card\"><h4>Identidad digital para contratar<\/h4><p>La CURP Digital y el Expediente Digital Ciudadano ser\u00edan mecanismos de confianza para abrir productos financieros a distancia.<\/p><\/div>\n    <div class=\"cw-card\"><h4>M\u00e1s margen para cuentas b\u00e1sicas<\/h4><p>Banxico podr\u00eda ampliar sus l\u00edmites, hoy de alrededor de 25 mil pesos, hasta unos 130 mil cuando se usen para transferencias.<\/p><\/div>\n    <div class=\"cw-card\"><h4>Sin comisi\u00f3n en SPEI y CoDi<\/h4><p>Y una meta de al menos 50% de pagos digitales hacia 2027.<\/p><\/div>\n  <\/div>\n \n  <p>Tres matices importan. El efectivo no se proh\u00edbe en general y sigue permitido ante contingencias. El texto no contempla sanciones por incumplimiento. Y la transici\u00f3n ser\u00e1 gradual, con plazos que fijar\u00e1 cada regulador sectorial.<\/p>\n \n  <div class=\"cw-status\">\n    <span class=\"cw-status-label\">Estatus legislativo<\/span>\n    La C\u00e1mara de Diputados aprob\u00f3 la ley el <strong>6 de octubre<\/strong> (330 votos a favor, 122 en contra) y el Senado el <strong>20 de octubre<\/strong> (72 votos). Al cierre de esta edici\u00f3n segu\u00eda pendiente su publicaci\u00f3n en el Diario Oficial de la Federaci\u00f3n, paso necesario para que entre en vigor.\n  <\/div>\n<\/div>\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-798ef74 e-flex e-con-boxed e-con e-parent\" data-id=\"798ef74\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0518cc elementor-widget elementor-widget-html\" data-id=\"f0518cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n.cw-article{font-family:\"Inter\",sans-serif;color:#4A4A4A;font-size:16px;line-height:26px;font-weight:400}\n.cw-article *{box-sizing:border-box}\n.cw-article p{margin:0 0 18px}\n.cw-article strong{color:#0E1A2C;font-weight:600}\n.cw-article a{color:#3E8CFF;text-decoration:none;font-weight:500}\n.cw-article a:hover{text-decoration:underline}\n.cw-article .cw-h2{font-family:\"Inter\",sans-serif;font-size:30px;line-height:1.3;font-weight:700;color:#000;margin:52px 0 22px}\n.cw-article .cw-h2::after{content:\"\";display:block;width:40px;height:3px;border-radius:2px;background:#3E8CFF;margin-top:16px}\n@media (max-width:767px){.cw-article .cw-h2{font-size:24px;margin-top:40px}}\n.cw-article .cw-h3{font-size:18px;line-height:1.4;font-weight:700;color:#000;margin:32px 0 12px}\n.cw-table-wrap{margin:30px 0}\n.cw-article .cw-table{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border:0;border-radius:12px;overflow:hidden;box-shadow:0 6px 24px rgba(14,26,44,.06);font-size:14px;line-height:21px;margin:0}\n.cw-article .cw-table th{background:#0E1A2C;color:#fff;font-weight:600;text-align:left;padding:14px 18px;font-size:13px;border:0}\n.cw-article .cw-table td{background:#fff;padding:14px 18px;border:0;border-bottom:1px solid #E8EBF1;vertical-align:top;color:#4A4A4A}\n.cw-article .cw-table tr:last-child td{border-bottom:0}\n.cw-article .cw-table td:first-child{font-weight:600;color:#0E1A2C}\n.cw-article .cw-table tr.cw-total td{background:#EEF4FF;font-weight:700;color:#0E1A2C}\n.cw-table .cw-pct{display:block;font-size:12px;color:#7A7A7A;font-weight:400}\n.cw-article .cw-caption{font-size:12px;color:#7A7A7A;margin:10px 0 0}\n@media (max-width:767px){\n.cw-table thead{display:none}\n.cw-article .cw-table,.cw-table tbody,.cw-table tr,.cw-article .cw-table td{display:block;width:100%}\n.cw-table tr{border-bottom:1px solid #E8EBF1;padding:10px 0}\n.cw-article .cw-table td{border:0;padding:6px 18px}\n.cw-table td::before{content:attr(data-label);display:block;font-size:11px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;color:#7A7A7A;margin-bottom:2px}}\n.cw-article .cw-questions{list-style:none;counter-reset:q;padding:0;margin:24px 0 32px}\n.cw-article .cw-questions li{counter-increment:q;position:relative;padding:0 0 18px 56px;margin:0 0 18px;border-bottom:1px solid #E8EBF1;font-size:17px;line-height:27px;font-weight:500;color:#0E1A2C;list-style:none}\n.cw-article .cw-questions li:last-child{border-bottom:0}\n.cw-article .cw-questions li::before{content:counter(q,decimal-leading-zero);position:absolute;left:0;top:-2px;font-size:24px;font-weight:600;color:#3E8CFF}\n@media (max-width:767px){.cw-article .cw-questions li{padding-left:46px;font-size:16px}}\n.cw-cta{background:#EEF4FF;border-radius:14px;padding:30px 36px;margin:36px 0;display:flex;align-items:center;gap:28px}\n.cw-article .cw-cta p{margin:0;font-size:16px;line-height:25px;color:#0E1A2C}\n.cw-article a.cw-btn{flex-shrink:0;display:inline-block;background:#2388FF;color:#fff;font-weight:600;font-size:14px;padding:12px 24px;border-radius:8px;text-decoration:none}\n.cw-article a.cw-btn:hover{background:#1F66D6;color:#fff;text-decoration:none}\n@media (max-width:767px){.cw-cta{flex-direction:column;align-items:flex-start;padding:26px 22px}}\n<\/style>\n<div class=\"cw-article\">\n  <h2 class=\"cw-h2\">Lectura Crosswinds: qu\u00e9 significa para tu estrategia<\/h2>\n  <p><strong>La pr\u00f3xima ola de crecimiento en pagos no vendr\u00e1 de nuevas licencias, sino de demanda regulada: sectores donde aceptar pagos digitales deja de ser opcional.<\/strong> Quien llegue primero a esos sectores con la integraci\u00f3n resuelta capturar\u00e1 el volumen; quien dependa solo de comisiones por transacci\u00f3n ver\u00e1 presi\u00f3n en m\u00e1rgenes.<\/p>\n \n  <div class=\"cw-table-wrap\">\n    <table class=\"cw-table\">\n      <thead>\n        <tr><th>Actor<\/th><th>Qu\u00e9 cambia<\/th><th>Movimiento sugerido<\/th><\/tr>\n      <\/thead>\n      <tbody>\n        <tr><td data-label=\"Actor\">IFPE, adquirentes y agregadores<\/td><td data-label=\"Qu\u00e9 cambia\">Demanda obligada en gasolineras, casetas y gobierno, pero SPEI y CoDi sin comisi\u00f3n presionan el cobro por transacci\u00f3n<\/td><td data-label=\"Movimiento sugerido\">Monetizar lo que va encima del pago: conciliaci\u00f3n, cr\u00e9dito al comercio, datos<\/td><\/tr>\n        <tr><td data-label=\"Actor\">Bancos<\/td><td data-label=\"Qu\u00e9 cambia\">La CURP Digital abarata el onboarding remoto y las cuentas b\u00e1sicas ganan capacidad<\/td><td data-label=\"Movimiento sugerido\">Competir por la cuenta del micronegocio antes de que lo haga una fintech<\/td><\/tr>\n        <tr><td data-label=\"Actor\">Proveedores B2B (ERP, POS, software vertical)<\/td><td data-label=\"Qu\u00e9 cambia\">Gasolineras, concesionarias y gobiernos necesitar\u00e1n QR, NFC y conciliaci\u00f3n integrados<\/td><td data-label=\"Movimiento sugerido\">Ofrecer una soluci\u00f3n completa adaptada a las necesidades de cada sector<\/td><\/tr>\n        <tr><td data-label=\"Actor\">Tesorer\u00edas y compras corporativas<\/td><td data-label=\"Qu\u00e9 cambia\">M\u00e1s oferta fintech, pero 12 de 89 licencias a\u00fan no operan<\/td><td data-label=\"Movimiento sugerido\">Hacer due diligence de proveedores: licencia vigente, operaci\u00f3n activa, alianzas<\/td><\/tr>\n        <tr><td data-label=\"Actor\">Fintech e inversionistas<\/td><td data-label=\"Qu\u00e9 cambia\">El sandbox no es una v\u00eda pr\u00e1ctica de entrada; open finance sigue sin fecha<\/td><td data-label=\"Movimiento sugerido\">Planear con licencia ITF o alianza bancaria; tratar open finance como una posibilidad a futuro, sin depender de ella para operar<\/td><\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n \n  <h3 class=\"cw-h3\">Tres preguntas para tu pr\u00f3xima sesi\u00f3n de planeaci\u00f3n<\/h3>\n  <ol class=\"cw-questions\">\n    <li>\u00bfQu\u00e9 parte de tu ingreso depende de comisiones que SPEI y CoDi podr\u00edan llevar a cero?<\/li>\n    <li>\u00bfCu\u00e1les de tus clientes est\u00e1n en sectores que Hacienda podr\u00eda declarar de pago solo digital?<\/li>\n    <li>\u00bfTu propuesta de valor sobrevive si open finance tarda otros tres a\u00f1os?<\/li>\n  <\/ol>\n \n  <div class=\"cw-cta\">\n    <p>En Acertiqa ayudamos a equipos de crecimiento B2B a convertir cambios regulatorios como este en mapas de mercado, cuentas prioritarias y narrativas comerciales. Si tu equipo est\u00e1 evaluando c\u00f3mo moverse, conversemos.\n  <\/div>\n<\/div>\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-7c53924 e-flex e-con-boxed e-con e-parent\" data-id=\"7c53924\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ca8089 elementor-widget elementor-widget-html\" data-id=\"3ca8089\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n.cw-article{font-family:\"Inter\",sans-serif;color:#4A4A4A;font-size:16px;line-height:26px;font-weight:400}\n.cw-article *{box-sizing:border-box}\n.cw-article p{margin:0 0 18px}\n.cw-article strong{color:#0E1A2C;font-weight:600}\n.cw-article a{color:#3E8CFF;text-decoration:none;font-weight:500}\n.cw-article a:hover{text-decoration:underline}\n.cw-sources{font-size:13px;line-height:20px;color:#4A4A4A;margin-top:48px;padding-top:24px;border-top:1px solid #E8EBF1}\n.cw-article .cw-sources-title{font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:#0E1A2C;margin:0 0 14px}\n.cw-sources ol{margin:0;padding-left:20px}\n.cw-sources li{margin-bottom:8px}\n<\/style>\n<div class=\"cw-article\">\n  <div class=\"cw-sources\">\n    <p class=\"cw-sources-title\">Fuentes<\/p>\n    <ol>\n      <li>Mundo Ejecutivo (17 sep. 2026). <a href=\"https:\/\/mundoejecutivocdmx.com\/mundo-economico\/ley-fintech-mexico-banxico-consolidacion\/\" target=\"_blank\" rel=\"noopener\">Ley Fintech M\u00e9xico: 89 autorizaciones en 8 a\u00f1os, sector a\u00fan sin consolidar<\/a>. Cifras del Informe anual 2025 de Banxico.<\/li>\n      <li>Facephi Observatory (18 ago. 2026). <a href=\"https:\/\/facephi.com\/observatory\/ley-fintech-mexico-nuevos-modelos-financieros\/\" target=\"_blank\" rel=\"noopener\">Ley Fintech en M\u00e9xico 2026: competencia, sandbox y nuevos modelos financieros<\/a>.<\/li>\n      <li>Unknown Gravity (2 oct. 2026). <a href=\"https:\/\/www.unknowngravity.com\/articulos\/ley-fintech-mexico\" target=\"_blank\" rel=\"noopener\">Ley Fintech de M\u00e9xico (LRITF): IFC, IFPE, activos virtuales y autorizaci\u00f3n<\/a>. Datos del padr\u00f3n CNBV.<\/li>\n      <li>Fintech Expert. <a href=\"https:\/\/www.fintechexpert.mx\/p\/banxico-a-2025-89-fintech-autorizadas\" target=\"_blank\" rel=\"noopener\">Banxico a 2025: 89 fintech autorizadas<\/a>.<\/li>\n      <li>El Financiero (9 sep. 2026). <a href=\"https:\/\/www.elfinanciero.com.mx\/economia\/2026\/09\/09\/el-adios-al-efectivo-en-mexico-que-propone-la-ley-de-economia-digital-de-sheinbaum\/\" target=\"_blank\" rel=\"noopener\">El 'adi\u00f3s' al efectivo: qu\u00e9 propone la Ley de Econom\u00eda Digital<\/a>.<\/li>\n      <li>El CEO (1 oct. 2026). <a href=\"https:\/\/elceo.com\/economia\/comision-de-hacienda-da-luz-verde-a-ley-de-economia-digital-para-reducir-uso-de-efectivo\/\" target=\"_blank\" rel=\"noopener\">Comisi\u00f3n de Hacienda da luz verde a Ley de Econom\u00eda Digital<\/a>.<\/li>\n      <li>Animal Pol\u00edtico (24 sep. 2026). <a href=\"https:\/\/grupoanimal.mx\/economia\/ley-economia-digital-50-pagos-digitales-2027\" target=\"_blank\" rel=\"noopener\">Gobierno prev\u00e9 50% de pagos digitales en 2027<\/a>.<\/li>\n      <li>DPL News. <a href=\"https:\/\/dplnews.com\/sheinbaum-ley-pagos-digitales-reducir-efectivo-mexico\/\" target=\"_blank\" rel=\"noopener\">Sheinbaum env\u00eda iniciativa de ley de pagos digitales<\/a>.<\/li>\n      <li>Bloomberg L\u00ednea (6 oct. 2026). <a href=\"https:\/\/www.bloomberglinea.com\/latinoamerica\/mexico\/diputados-aprueban-ley-de-economia-digital-para-reducir-el-uso-de-efectivo-en-mexico\/\" target=\"_blank\" rel=\"noopener\">Diputados aprueban Ley de Econom\u00eda Digital para reducir el uso de efectivo en M\u00e9xico<\/a>.<\/li>\n      <li>Zeta Tijuana (20 oct. 2026). <a href=\"https:\/\/zetatijuana.com\/2026\/10\/senado-aprueba-ley-de-economia-digital-para-favorecer-el-pago-en-esa-modalidad\/\" target=\"_blank\" rel=\"noopener\">Senado aprueba Ley de Econom\u00eda Digital<\/a>.<\/li>\n      <li>Finnovista v\u00eda DPL News. <a href=\"https:\/\/dplnews.com\/?p=306932\" target=\"_blank\" rel=\"noopener\">Fintech Radar M\u00e9xico 2026<\/a>.<\/li>\n      <li>CNBV. <a href=\"https:\/\/pes.cnbv.gob.mx\/\" target=\"_blank\" rel=\"noopener\">Padr\u00f3n de Entidades Supervisadas<\/a>.<\/li>\n    <\/ol>\n  <\/div>\n<\/div>\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-6058d987 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6058d987\" 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-69060d61\" data-id=\"69060d61\" 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-4bb30cc5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4bb30cc5\" 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-4cca17a8\" data-id=\"4cca17a8\" 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-4d93e30 elementor-widget elementor-widget-heading\" data-id=\"4d93e30\" 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-41f10d90 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"41f10d90\" 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-61ed9827\" data-id=\"61ed9827\" 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-1ea30640\" data-id=\"1ea30640\" 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-76a732b8 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"76a732b8\" 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\/Alma-Gonzalez-rio4okuuyy2qap6lyibeny24ns12ojydw7c1pj3rxc.jpeg\" title=\"Alma Gonzalez\" alt=\"Alma Gonzalez\" loading=\"lazy\" \/><\/figure><div class=\"elementor-image-box-content\"><h5 class=\"elementor-image-box-title\">Alma Gonzalez<\/h5><p class=\"elementor-image-box-description\">Head of Market Intelligence &amp; Strategy en Acertiqa<\/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-43e595bd elementor-widget elementor-widget-text-editor\" data-id=\"43e595bd\" 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>Alma Gonz\u00e1lez es Head of Market Intelligence &amp; Strategy en Acertiqa, con 10+ a\u00f1os de experiencia en Am\u00e9rica Latina. Lidera investigaci\u00f3n de mercado, inteligencia competitiva y data storytelling para ayudar a equipos fintech, SaaS y enterprise a tomar decisiones s\u00f3lidas de go-to-market y crecimiento.\u200b<\/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-49815335 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"49815335\" 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\/alma-gonzalez-43988312b\/\" target=\"_blank\">\n\t\t\t\t\t\t<span 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REGULACI\u00d3N FINTECH Octubre-2026 6 minutos de lectura Ocho a\u00f1os despu\u00e9s de la [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"","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":"","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":"default","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-3334","page","type-page","status-publish","hentry"],"aioseo_notices":[],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"Daniela Santos","author_link":"https:\/\/acertiqa.com\/blog\/author\/dsantos\/"},"uagb_comment_info":0,"uagb_excerpt":"Ley Fintech, 8 a\u00f1os despu\u00e9s: licencias s\u00ed, innovaci\u00f3n pendiente M\u00e9xico tiene 89 instituciones autorizadas, cero modelos novedosos aprobados y un open finance que sigue sin reglas t\u00e9cnicas. Y ahora llega la Ley de Econom\u00eda Digital, que busca convertir el pago digital en obligaci\u00f3n. REGULACI\u00d3N FINTECH Octubre-2026 6 minutos de lectura Ocho a\u00f1os despu\u00e9s de la&hellip;","_links":{"self":[{"href":"https:\/\/acertiqa.com\/blog\/wp-json\/wp\/v2\/pages\/3334","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=3334"}],"version-history":[{"count":16,"href":"https:\/\/acertiqa.com\/blog\/wp-json\/wp\/v2\/pages\/3334\/revisions"}],"predecessor-version":[{"id":3484,"href":"https:\/\/acertiqa.com\/blog\/wp-json\/wp\/v2\/pages\/3334\/revisions\/3484"}],"wp:attachment":[{"href":"https:\/\/acertiqa.com\/blog\/wp-json\/wp\/v2\/media?parent=3334"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}