{"id":6614,"date":"2025-09-15T11:55:01","date_gmt":"2025-09-15T09:55:01","guid":{"rendered":"http:\/\/miramegias.com\/emodulos\/?page_id=6614"},"modified":"2026-05-05T10:34:25","modified_gmt":"2026-05-05T08:34:25","slug":"fintech-blockchain-y-criptomonedas","status":"publish","type":"page","link":"https:\/\/miramegias.com\/emodulos\/fintech-blockchain-y-criptomonedas\/","title":{"rendered":"Fintech, blockchain y criptomonedas"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6614\" class=\"elementor elementor-6614\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-79ac047 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"79ac047\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a521728\" data-id=\"a521728\" 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-e354fd6 elementor-widget elementor-widget-text-editor\" data-id=\"e354fd6\" 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 class=\"dracula-style-txt-border dracula-processed\" data-dracula_alpha_bg=\"rgba(0, 0, 0, 0)\">El objetivo de esta unidad es conocer las <em><b class=\"dracula-style-txt-border dracula-processed\" data-dracula_alpha_bg=\"rgba(0, 0, 0, 0)\">fintech<\/b><\/em>, como empresas que utilizan la tecnolog\u00eda para ofrecer productos y servicios financieros de manera m\u00e1s eficiente, accesible e innovadora que las entidades financieras tradicionales.<\/p><p class=\"dracula-style-txt-border dracula-processed\" data-dracula_alpha_bg=\"rgba(0, 0, 0, 0)\">El <em><b class=\"dracula-style-txt-border dracula-processed\" data-dracula_alpha_bg=\"rgba(0, 0, 0, 0)\">blockchain<\/b><\/em> como base de datos descentralizada en la que la informaci\u00f3n se organiza en bloques encadenados criptogr\u00e1ficamente. Los bloques contienen un conjunto de transacciones verificadas y est\u00e1n vinculado al bloque anterior mediante funciones hash, lo que garantiza la integridad de la informaci\u00f3n y evita su alteraci\u00f3n.<\/p><p class=\"dracula-style-txt-border dracula-processed\" data-dracula_alpha_bg=\"rgba(0, 0, 0, 0)\">Las <b class=\"dracula-style-txt-border dracula-processed\" data-dracula_alpha_bg=\"rgba(0, 0, 0, 0)\">criptomonedas<\/b> como activo digital basado en un sistema descentralizado de registro distribuido (<em>blockchain<\/em>), que emplea t\u00e9cnicas criptogr\u00e1ficas.<\/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\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2dc391d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2dc391d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2c1ec44\" data-id=\"2c1ec44\" 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-ec88216 elementor-widget elementor-widget-heading\" data-id=\"ec88216\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Fintech<\/h3>\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-d29292b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d29292b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d9d13ad\" data-id=\"d9d13ad\" 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-390402a elementor-widget elementor-widget-text-editor\" data-id=\"390402a\" 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>Se caracterizan por:<\/p><ul><li>Uso intensivo de tecnolog\u00eda: aplicaciones m\u00f3viles, plataformas web, inteligencia artificial, <em>blockchain<\/em>, <em>big data<\/em>, etc.<\/li><li>Agilidad: suelen ser m\u00e1s r\u00e1pidas y flexibles que la banca tradicional.<\/li><li>Orientaci\u00f3n al cliente: buscan mejorar la experiencia del usuario, con servicios f\u00e1ciles de usar y personalizados.<\/li><li>Accesibilidad: permiten llegar a segmentos de la poblaci\u00f3n que antes estaban desatendidos por los bancos.<\/li><\/ul>\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-9b3cbe5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9b3cbe5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-49bf63d\" data-id=\"49bf63d\" 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-a6f54d7 elementor-widget elementor-widget-text-editor\" data-id=\"a6f54d7\" 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>Ejemplos de servicios fintech:<\/p><ul><li>Pagos y transferencias: PayPal, Bizum, Stripe.<\/li><li class=\"dracula-style-txt-border dracula-processed\" data-dracula_alpha_bg=\"rgba(0, 0, 0, 0)\">Pr\u00e9stamos y microcr\u00e9ditos online (<em>crowdlending<\/em>).<\/li><li class=\"dracula-style-txt-border dracula-processed\" data-dracula_alpha_bg=\"rgba(0, 0, 0, 0)\">Inversi\u00f3n digital (<em>robo-advisors<\/em>, plataformas de <em>trading<\/em>).<\/li><li class=\"dracula-style-txt-border dracula-processed\" data-dracula_alpha_bg=\"rgba(0, 0, 0, 0)\">Neobancos: bancos 100% digitales como N26 o Revolut.<\/li><li>Seguros digitales (insurtech).<\/li><li>Criptoactivos y <em>blockchain<\/em>: intercambio de criptomonedas, contratos inteligentes.<\/li><\/ul><p>En resumen, las <em>fintech<\/em> representan la evoluci\u00f3n del sistema financiero, impulsando la competencia con la banca tradicional y favoreciendo la inclusi\u00f3n financiera.<\/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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>El objetivo de esta unidad es conocer las fintech, como empresas que utilizan la tecnolog\u00eda para ofrecer productos y servicios financieros de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6614","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/miramegias.com\/emodulos\/wp-json\/wp\/v2\/pages\/6614","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/miramegias.com\/emodulos\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/miramegias.com\/emodulos\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/miramegias.com\/emodulos\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/miramegias.com\/emodulos\/wp-json\/wp\/v2\/comments?post=6614"}],"version-history":[{"count":31,"href":"https:\/\/miramegias.com\/emodulos\/wp-json\/wp\/v2\/pages\/6614\/revisions"}],"predecessor-version":[{"id":7459,"href":"https:\/\/miramegias.com\/emodulos\/wp-json\/wp\/v2\/pages\/6614\/revisions\/7459"}],"wp:attachment":[{"href":"https:\/\/miramegias.com\/emodulos\/wp-json\/wp\/v2\/media?parent=6614"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}