El nuevo informe de Tink muestra que las actitudes positivas hacia el open banking han aumentado, aunque muchas instituciones financieras europeas aún carecen de una estrategia clara para impulsar la creación de valor.
En 2020 casi dos tercios de las instituciones financieras de Europa (61%) son favorables al open banking, lo que supone un incremento de seis puntos porcentuales con respecto al año pasado, según la plataforma europea de open banking Tink. Esa cifra es aún mayor en el caso de España, donde un 62% de las organizaciones tiene una actitud favorable al open banking. La encuesta, realizada a 290 altos ejecutivos responsables de la toma de decisiones en instituciones financieras de 12 países europeos, también ha puesto de relieve que más de la mitad de los encuestados (52%) tiene una actitud más positiva ahora hacia el open banking que el año pasado y solo el 1% tiene una actitud más negativa hacia las oportunidades que pueda ofrecer.
Aunque una gran cantidad de instituciones financieras a nivel europeo reconoce la oportunidad que supone el open banking, los resultados apuntan a que algunas de ellas siguen sin tener claro cómo aprovechar su potencial. Casi la mitad de los encuestados (46%) no confiaba en que su organización entendiera verdaderamente los beneficios del open banking, y el 42% afirmó que su organización no tenía una estrategia clara para sacar partido a esos beneficios. Estos datos contrastan con los extraídos en España, donde el 77% de las instituciones ve en el open banking una oportunidad y un 79,3% asegura que tiene una estrategia clara para beneficiarse de ello.
Beatriz Giménez, Country Manager de Tink para España y Portugal, ha dicho: «Mientras que la confianza en open banking sigue creciendo, aún hay muchas organizaciones en Europa que no acaban de entender su verdadero potencial, al abordar el open banking como un simple requerimiento para cumplir con la normativa PSD2; mientras que otras lo han percibido tan solo como un elemento estratégico a largo plazo que implica un cambio significativo en su modelo de negocio, a lo largo del tiempo. Ambas concepciones hacen que las instituciones financieras corran el riesgo de quedarse rezagadas, ante el impulso que el negocio del open banking pueda tomar hoy”.
Los acuerdos con compañías fintech son una prioridad para aquellos que aprovechan al máximo el open banking. Casi una cuarta parte de los encuestados a nivel europeo (22%) tiene al menos un acuerdo con una fintech para acceder a tecnologías de open banking, y algunos tienen hasta cinco acuerdos diferentes. En España esta cifra se encuentra en el 17%, por lo que aún hay mucho espacio de seguir mejorando los servicios y la experiencia del cliente.
Más de dos tercios (69%) de los encuestados aumentó el número de acuerdos con fintechs en 2019 y la misma proporción (69%) indicó que llegar a un acuerdo con una compañía fintech será prioritario durante los próximos 12 meses.
Fuente: https://www.computing.es
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