IDC Research España ha anunciado el lanzamiento de un nuevo informe, “Validación de la identidad digital en el onboarding financiero”, patrocinado por Mitek. El informe explica que las organizaciones del sector financiero continúan mejorando sus infraestructuras digitales, y destaca las inversiones y las innovaciones tecnológicas en el sector bancario. Según el informe, los bancos en Europa Occidental invertirán más de 12.000 millones de euros en sus estrategias de transformación digital en 2019, con un crecimiento sostenido de +17, 8% (CAGR) en los próximos tres años.
Según el informe, una parte significativa de la inversión en transformación digital se destinará a la detección y prevención de ciber-riesgos, con un crecimiento del 19,9% (CAGR) hasta 2022, para combatir cualquier amenaza que pueda afectar el sistema IT de un banco y generar un gran impacto en el negocio. Otra prioridad de inversión será la prevención y detección de fraudes online, más relacionados con el phishing y otros comportamientos fraudulentos del propio usuario, un sector en el que se calcula que el aumento será del 23,9% (CAGR) hasta 2022. Las mejoras en el proceso de incorporación u onboarding de clientes digitales también son una prioridad en la inversión en transformación digital, con un aumento del 16,5% (CAGR) hasta 2022.
Emilio Castellote, analista senior de IDC Research España, afirma que “las conclusiones de este informe respaldan el hecho de que el enfoque de inversión de la banca es el nuevo cliente digital. También confirma que la verificación de la identidad digital está desempeñando un papel importante en la transformación digital de los bancos en toda Europa Occidental”.
El informe confirma que un total del 33% de las organizaciones financieras ya han implementado soluciones de verificación de identidad digital para automatizar el proceso de onboarding online del cliente. Estas organizaciones también tienen un mayor grado de madurez en cuanto a transformación digital. El resultado es un aumento en las tasas de adquisición de clientes y mejoras en su posición competitiva en relación con la experiencia digital del usuario.
Xavier Codó, vicepresidente y director general de Mitek Iberia & LATAM, explica que “el proceso de onboarding digital es un enfoque clave para los bancos dentro de sus esfuerzos en transformación digital. La verificación de la identidad desempeña un papel fundamental en el éxito del onboarding digital, no solo desde la perspectiva de la experiencia del usuario, sino también al proporcionar un nivel adicional de seguridad y confianza, mientras reduce el fraude y cumple con los requisitos reglamentarios”.
De hecho, según la investigación, en 2020, al menos el 55% de las empresas estarán enfocadas digitalmente e invirtiendo en nuevos modelos de negocios basados en productos y servicios digitales.
Xavier Codó indica que “estas tecnologías representan una revolución en el paradigma empresarial en España y seguirán teniendo un impacto a largo plazo, ya que las instituciones financieras están cada vez más presentes en el canal digital”.
Fuente: http://www.computing.es
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