Según ha informado la entidad, los procesos de innovación financiera se han acelerado en los últimos años con el desarrollo de nuevos productos, servicios e intermediarios, apoyados en muchos casos en el uso de nuevas tecnologías, un fenómeno que se conoce con el nombre de «fintech».
Estas innovaciones incrementan, en términos generales, «la eficacia y la competencia en el sector financiero», ya que reducen el tiempo y los costes asociados a esas transacciones, al tiempo que aumentan el número de potenciales proveedores de los distintos tipos de servicios, añade.
Pero esos avances tecnológicos, advierte, también introducen nuevos riesgos que es preciso evaluar y plantean nuevos retos a las autoridades que se encargan de velar por el buen funcionamiento de los mercados y la adecuada protección de quienes en ellos participan.
De ahí la creación de la nueva dirección, que se integrará en la dirección general de Operaciones, Mercados y Sistemas de Pago y que tienen como principales funciones el seguimiento y análisis de los procesos de innovación financiera.
Asimismo, se encargará de desarrollar y operar, en colaboración con otros bancos centrales nacionales del Eurosistema, infraestructuras de mercado paneuropeas en los ámbitos en los que estos cuenten con ventajas comparativas.
Carlos Conesa Lareo, nacido en Pontevedra, en 1970, es licenciado en Ciencias Económicas por la Universidad Complutense de Madrid y por la Universidad británica de Leeds.
Ingresó en el Banco de España como técnico en 1998 y ocupó distintos puestos hasta ser nombrado en 2017 director del Departamento de Sistemas de Pago, cargo que ha ocupado hasta hoy.
También ha sido miembro del secretariado del Comité de Pagos e Infraestructuras de Mercado del Banco de Pagos Internacionales, así como del Comité de Pagos e Infraestructuras de Mercado y del grupo de alto nivel para la Vigilancia de SWIFT del Sistema Europeo de Bancos Centrales, entre otros grupos.
En la actualidad forma parte del Consejo de Infraestructuras de Mercado del Eurosistema.
Fuente: www.invertia.com
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