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Efectos De La Ley Fintech México En La Apertura De Instituciones De

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Efectos De La Ley Fintech México En La Apertura De Instituciones De 962 Efectos de la Ley Fintech México en la apertura de Instituciones de Tecnología Financiera (ITF) García-Cañedo, Alma Iliana1, Quiroz-Gálvez, Sergio2 & Jiménez-García, Carlos3 1Universidad de Sonora, Departamento de Administración Hermosillo, Sonora, México, [email protected], Luis Encinas y Rosales S/N Col. Centro, (+52) 662 2 59 21 29; 2Universidad de Sonora, Departamento de Administración Hermosillo, Sonora, México, [email protected], Luis Encinas y Rosales S/N Col. Centro, (+52) 662 2 59 21 29; 3Universidad de Sonora, Departamento de Contabilidad Hermosillo, Sonora, México, [email protected], Luis Encinas y Rosales S/N Col. Centro, (+52) 662 2 59 21 29; Información del artículo arbitrado e indexado en Latindex: Revisión por pares Fecha de publicación: Julio 2019 Resumen Abstract El corto plazo de la proliferación de las empresas FinTech The short term of the proliferation of FinTech companies en México y en el mundo, es debido al impulso recibido por in Mexico and in the world, is due to the impulse received la combinación de varios factores: Técnicas novedosas de by the combination of several factors: innovative desarrollo, expectativas de innovación empresarial, ahorro development techniques, expectations of business en los costos, etcétera. Esta expectativa tan dramáticamente innovation, cost savings, and so on. This expectation, so amplia en el uso de las FinTech mexicanas, está a la dramatically wide in the use of the Mexican FinTech, is in expectativa de cómo funcionará la nueva Ley que para tal expectation of how the new Law will work, for that purpose efecto se aprobó en marzo de 2018, y las Leyes secundarias was approved in March 2018, and secondary laws in en noviembre del mismo año. Por todo ello es pertinente November of the same year. For all this, this work is este trabajo, en tanto que es una demanda urgente para relevant, as it is an urgent demand for academics and académicos y profesionales un conocimiento preciso y professionals to have accurate and up-to-date knowledge of actualizado de las tan nombradas FinTech así como la the so-called FinTech as well as the regulations that have normativa acabada de autorizar. El Objetivo general es: just been authorized. Analizar la Ley para regular las Instituciones de Tecnología The general objective is: Analyze the Law to regulate the Financiera mexicanas, para determinar si afecta o no a la Mexican Financial Technology Institutions, to determine apertura de nuevas empresas Fintech en México. whether or not it affects the opening of new Fintech companies in Mexico. Palabras clave: Fintech, Ley, Finanzas Key words: Fintech, Law, Finance . 963 1. INTRODUCCIÓN De acuerdo al informe “Fintech en América Latina 2018” que llevó a cabo el En los últimos tiempos hemos visto cómo han Banco Interamericano de Desarrollo (BID) y proliferado a través de internet múltiples Finnovista, tan sólo en un año en la región sistemas de financiación; esta tendencia a dado latina se ha presentado el aumento del 66% en lugar a diversos modelos de negocios emprendimientos Fintech. Esto quiere decir denominados FinTech. que en la actualidad hay 463 desarrollos más Fintech procede de las palabras en de nuevos negocios de este tipo en América inglés “Finance Technology” y es utilizada Latina. Brasil está a la cabeza con 380 para denominar a las empresas que ofertan desarrollos Fintech, seguido por México con productos y/o servicios financieros, usando 273, Colombia con 148, Argentina con 116 y tecnologías de la información y la Chile con 84. comunicación, como podrían ser: las redes Pero es de hacer notar, que de la fecha sociales, páginas web y aplicaciones para en que se realizó ese informe a la actualidad de teléfonos celulares. Lo que ofrecen este tipo de este estudio, 57 nuevas empresas Fintech negocios es que por utilizar estas herramientas, mexicanas han iniciado operaciones. Esta los servicios serán más eficientes y menos rápida expansión ocasionó que las autoridades costosos que los que ofrecen las instituciones financieras nacionales se pusieran en guardia, tradicionales. dada la importancia que reviste que estas En México ha tenido gran aceptación, empresas manejen el patrimonio monetario de existiendo a esta fecha un poco más de 330 una cada vez mayor cantidad de usuarios. Fintech en territorio nacional (SHCP, 2019). Bajo esta inquietud, el 9 de marzo de Este tipo de empresas están cambiando 2018 apareció en el Diario Oficial de la rápidamente el sector de las finanzas Federación La Ley para regular las tradicionales a nivel personal como Instituciones de Tecnología Financiera. Con empresarial. Si bien es cierto que la cobertura este paso, México se ubica en el 7º. Lugar a que tienen del mercado es aún reducida, está nivel mundial en la regulación del sector previsto, en base a las tenencias que presentan, Fintech. que dicho sector crecerá en forma exponencial Sin embargo, a pesar de que una y que para los siguientes años, las cifras de regulación de primera instancia parecería ser lo millones de pesos que ahorita mueven serán de más adecuado dada la importancia que reviste miles de millones. el manejo del dinero de los mexicanos que se Este término de FinTech, adoptado por van por el uso de este tipo de empresas las instituciones de servicios financieros, gestionadoras a través de la tecnología, existen abarca una amplia gama de productos y voces que dicen que solo se puede dar una servicios que van desde la seguridad de datos regulación en un sector que ya se conoce a hasta las propias prestaciones de servicios fondo su funcionamiento, y dado que en financieros. México este sector es muy nuevo, consideran Por la rapidez en que han expandido su que la regulación apareció demasiado territorio de mercado las Fintech, por la gran temprano, y que más que beneficiar lo que hará aceptación de los usuarios, es cada vez más será poner obstáculos de entrada a los apremiante, tanto para académicos como emprendedores Fintech. profesionales, el tener un conocimiento preciso Por ello el presente trabajo tiene el y actualizado acerca de este tipo de empresas. siguiente: El año pasado, de acuerdo al Editorialista financiero de El Universal (8 nov Objetivo general 2018) Antonio Hernández, México se ubicó en Analizar la Ley para regular las el segundo lugar de desarrollo de Instituciones de Tecnología Financiera emprendimientos Fintech, con 273 nuevas mexicanas, para determinar si afecta o no a la empresas, sólo Brasil, que sigue de líderen el apertura de nuevas empresas Fintech en desarrollo de este sector en América Latina. México. Objetivos específicos 964 • Conocer que autoridades son las que regulan a las empresas Fintech Mexicanas. Regulaciones Fintech en el mundo • Entender que es lo que regula la Ley Fintech Para poder entender la gran de México importancia que implica regularizar estas 2. MARCO TEÓRICO tecnologías, hay que conocer cómo se ha dado ésta alrededor del mundo, y para ello se usarán Para poder entender este crecimiento cómo apoyo los casos de Estados Unidos de exponencial de las Fintech a nivel mundial y América, China y Reino Unido (todas estas específicamente en nuestro país, hay que hacer naciones, líderes en el sector fintech en sus un poco de historia. respectivas regiones). A mediados de la década pasada, 1. Acercamiento reactivo: Este hubodos innovaciones que dieron un vuelco al ejemplo le corresponde a Estados Unidos, ya cómo hacer operaciones financieras y dar que ellos tomaron el camino de la adecuación atención a los usuarios bancarios. En 2007, la y reforma de las leyes ya existentes, para empresa Apple lanzó el iPhone, el primer después anexar nuevas regulaciones a las teléfono inteligente moderno (EL instituciones fintech. Esto resulta urgente, ya UNIVERSAL, 2017), y en octubre de 2008 se que de acuerdo con Goldman Sachs (2019), se publicó en internet un ensayo titulado Bitcoin: estimó que un aproximado de $4.7 trillones de A Peer-to-Peer Electronic Cash dólares se movería desde el sector financiero System (Bitcoin: Un Sistema de Dinero en tradicional hacia las fintech, y sin una Efectivo Electrónico Peer-to-Peer), donde una regulación esto podría resultar en un desorden persona con el seudónimo de Satoshi colosal. Nakamoto hizo la propuesta de emplear una 2. Acercamiento proactivo: Les toca el tecnología digital que llamó blockchain para turno a Reino Unido y China, quienes se realizar intercambios de valor sin queuna decidieron por crear y desarrollar normativas autoridad o un ente financiero esté supervisand nuevas que no afecten la forma en la que las la operación (Bitcoin, 2019). Desde entonces, instituciones y actividades fintech se ya son centenares de emprendedores que desarrollen, al tratar de que se les impongan buscan entrar al negocio financiero por medio leyes y reglamentos ya caducos a los tiempos de las Tecnologías de la Información, o que se han venido aplicando a las instituciones creando nuevos sistemas de pago, o financieras tradicionales existentes. desarrollando herramientas que mejoren la 3. Acercamiento híbrido: Y aquí entra operación de los bancos o que den lugar a que nuestro país, quien a diferencia de los modelos productos financieros lleguen a nuevos anteriores, México se ha decidido a fusionar mercados. tanto lo reactivo como lo proactivo, basando su El estudio Fintech Radar México, de la normativa primeramente de manera general en organización Finnovista, señala que hasta fines la Ley de Tecnologías Financieras y reformas del año pasado existían en el país 334 empresas a leyes existentes, y después actualizar
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