Los retos en materia de mejora regulatoria:
-Facilitar la transformación del modelo de negocio
-Reducir costos y cargas de la regulación
-Alinear regulación al entorno digital
White-label Neobank. Turnkey solution for Enterprises, Banks, and Startups.
Launch your own comprehensive Neobank under your brand in a short timeframe by utilizing our network, licenses, permissions, certifications, and software.
Learn more - https://optherium.com/digital-banking/
Building the 10x better bank, by @joukpleiter & @jelmerdejong
Slides of the November 11, 2015 webinar 'Omni-channel banking & the digital transformation roadmap'.
In this webinar, Jouk Pleiter and Jelmer de Jong of Backbase will talk about building the 10-times-better bank.
The financial services market is going through many changes. New challengers have appeared and are looking for a slice of the market. In addition, customers are more demanding and more informed, expecting convenience and simplicity when it comes to financial services, particularly online and via mobile devices. People love digital services such as Netflix, Amazon, and Uber because they’re easy to use and deliver great customer experiences. They deliver 10 times more convenience and better customer experiences than the status quo, and are therefore winning the market. It’s only a matter of time before the 10-times-better bank is founded, a thought that's on the radar of every banker.
In this webinar, we outline the journey of creating the 10-times-better bank, providing a detailed analysis of how banks can begin their digital journey, with a strong focus on five main points:
1) new competitors in banking: the disrupters
2) customer experience: the key ingredients
3) omni-channel and the changing channel mix
4) mobile's impact on online sales and share of wallet
5) regaining control in the era of digitization
Drivers for CBDC and implications for architectureDavid Birch
A discussion of the key drivers for central bank digital currency and the implications of those drivers for the likely technical architecture of a retail implementation.
This analysis provides an overview of the top trends in the retail banking sector driven by the competition, digital transformation, and innovation led by retail banks exploring novel ways to create and retain value in evolving landscape.
COVID-19 caught banks off guard and shook legacy mindsets to the core. With 20/20 (2020) hindsight, firms are more aware, digitally resilient, and financially stable as they head into 2022. The trials of the past 18 months forced firms to shore up existing business and consider new models and revenue streams.
Customer-centricity remains at the top of most FS agendas and is a 2022 focal point. Banks will focus on achieving operational excellence as diligently as delivering superior CX. In 2022 and beyond, it will be paramount for FIs to explore and invest in new technologies to remain relevant and resilient.
Banking 4.X will arrive in full force in 2022 with platform-supported firms monetizing diverse ecosystem capabilities and aggressively harvesting data to create experiential customer journeys through intelligent and personalized engagements. The new era will compel future-focused banks to finally abandon legacy infrastructure and collaborate with third-party specialists to solidify their best-fit, long-term roles. Increasingly, open platforms will make banks invisible as banking becomes embedded into customer lifestyles. At the same time, banks will shed asset-heavy models and shift to the cloud for greater agility, speed to market, and faster innovation. The shift will act as a precursor to adopting new technologies on the horizon – 5G and Decentralized Finance.
The recent past was filled will extraordinary lessons for financial institutions. Now is the time to act on those learnings and move forward profitably.
The Covid-19 pandemic necessitated the payments industry undergo a facelift, sparked by novel approaches from new-age players, fostered by industry consolidation, and customers’ demand for end-to-end experience. Crossing the threshold, the industry is entering a new era – Payments 4.X, where payments are embedded and invisible, and an enabling function to provide frictionless customer experience. As customers make a permanent shift to next-gen payment methods, Digital IDs are critical for a seamless payment experience. The B2B payments segment is witnessing rapid digitization. BigTechs, PayTechs, and industry newcomers are ready to jump in with newfangled solutions to help underserved small to medium-sized businesses (SMBs).
As incumbents struggle with profits, new-age firms are forging ahead to take the lead in the Payments 4.X era by riding the success of non-card products and services. The new era demands collaboration, platformification, and firms can unleash full market potential only by embracing API-based business models and open ecosystems. Data prowess and enhanced payment processing capabilities are inevitable to thrive ahead. The clock is ticking for banks and traditional payments firms because the competitive advantage is not guaranteed forever. As industry players seek economies of scale, consolidations loom, and non-banks explore new territories to threaten incumbents’ market share. While all these 2022 trends are at play, central bank digital currency (CBDC) is emerging globally and might open a new chapter in the current payments landscape.
White-label Neobank. Turnkey solution for Enterprises, Banks, and Startups.
Launch your own comprehensive Neobank under your brand in a short timeframe by utilizing our network, licenses, permissions, certifications, and software.
Learn more - https://optherium.com/digital-banking/
Building the 10x better bank, by @joukpleiter & @jelmerdejong
Slides of the November 11, 2015 webinar 'Omni-channel banking & the digital transformation roadmap'.
In this webinar, Jouk Pleiter and Jelmer de Jong of Backbase will talk about building the 10-times-better bank.
The financial services market is going through many changes. New challengers have appeared and are looking for a slice of the market. In addition, customers are more demanding and more informed, expecting convenience and simplicity when it comes to financial services, particularly online and via mobile devices. People love digital services such as Netflix, Amazon, and Uber because they’re easy to use and deliver great customer experiences. They deliver 10 times more convenience and better customer experiences than the status quo, and are therefore winning the market. It’s only a matter of time before the 10-times-better bank is founded, a thought that's on the radar of every banker.
In this webinar, we outline the journey of creating the 10-times-better bank, providing a detailed analysis of how banks can begin their digital journey, with a strong focus on five main points:
1) new competitors in banking: the disrupters
2) customer experience: the key ingredients
3) omni-channel and the changing channel mix
4) mobile's impact on online sales and share of wallet
5) regaining control in the era of digitization
Drivers for CBDC and implications for architectureDavid Birch
A discussion of the key drivers for central bank digital currency and the implications of those drivers for the likely technical architecture of a retail implementation.
This analysis provides an overview of the top trends in the retail banking sector driven by the competition, digital transformation, and innovation led by retail banks exploring novel ways to create and retain value in evolving landscape.
COVID-19 caught banks off guard and shook legacy mindsets to the core. With 20/20 (2020) hindsight, firms are more aware, digitally resilient, and financially stable as they head into 2022. The trials of the past 18 months forced firms to shore up existing business and consider new models and revenue streams.
Customer-centricity remains at the top of most FS agendas and is a 2022 focal point. Banks will focus on achieving operational excellence as diligently as delivering superior CX. In 2022 and beyond, it will be paramount for FIs to explore and invest in new technologies to remain relevant and resilient.
Banking 4.X will arrive in full force in 2022 with platform-supported firms monetizing diverse ecosystem capabilities and aggressively harvesting data to create experiential customer journeys through intelligent and personalized engagements. The new era will compel future-focused banks to finally abandon legacy infrastructure and collaborate with third-party specialists to solidify their best-fit, long-term roles. Increasingly, open platforms will make banks invisible as banking becomes embedded into customer lifestyles. At the same time, banks will shed asset-heavy models and shift to the cloud for greater agility, speed to market, and faster innovation. The shift will act as a precursor to adopting new technologies on the horizon – 5G and Decentralized Finance.
The recent past was filled will extraordinary lessons for financial institutions. Now is the time to act on those learnings and move forward profitably.
The Covid-19 pandemic necessitated the payments industry undergo a facelift, sparked by novel approaches from new-age players, fostered by industry consolidation, and customers’ demand for end-to-end experience. Crossing the threshold, the industry is entering a new era – Payments 4.X, where payments are embedded and invisible, and an enabling function to provide frictionless customer experience. As customers make a permanent shift to next-gen payment methods, Digital IDs are critical for a seamless payment experience. The B2B payments segment is witnessing rapid digitization. BigTechs, PayTechs, and industry newcomers are ready to jump in with newfangled solutions to help underserved small to medium-sized businesses (SMBs).
As incumbents struggle with profits, new-age firms are forging ahead to take the lead in the Payments 4.X era by riding the success of non-card products and services. The new era demands collaboration, platformification, and firms can unleash full market potential only by embracing API-based business models and open ecosystems. Data prowess and enhanced payment processing capabilities are inevitable to thrive ahead. The clock is ticking for banks and traditional payments firms because the competitive advantage is not guaranteed forever. As industry players seek economies of scale, consolidations loom, and non-banks explore new territories to threaten incumbents’ market share. While all these 2022 trends are at play, central bank digital currency (CBDC) is emerging globally and might open a new chapter in the current payments landscape.
Digital transformation of the banking industry Frank Schwab
From traditional to digital banking
Significantly changing basic conditions
New customer expectations and journeys
New digital products: crowd, P2P & crypto
New game changing technologies, processes and concepts: Cloud, API, blockchain, AI, platform, eco-systems, 100% STP
New types of leadership
The Journey to Digital Transformation with Touch BankBackbase
The presentation of Andrei Kozliar, CEO of Touch Bank. In this webinar, Jouk Pleiter, CEO of Backbase, talks to two of the most innovative banks in Europe – Touch Bank and CheBanca!
Digital transformation is about fundamentally changing how banks attract, interact with and satisfy consumers, and it affects all levels of your organisation. Antonio and Andrei will share real-life examples of digital transformation in our new webinar, which will look at:
what was needed to start their digital transformation journeys
the key elements for success.
Antonio Fratta Pasini is Head of CRM and Omni-channel for CheBanca!, the retail bank of Mediobanca Group, the third largest financial services group in Italy. CheBanca! has always been at the forefront of innovation, from flagship futuristic branches to award-winning banking apps such as WOW!
Andrei Kozliar is CEO of Touch Bank, a neobank created by OTP Bank. Founded in 1949, OTP Bank is one of the largest independent financial service providers in Central and Eastern Europe, serving nine countries. Recognizing that today’s digital-savvy customers and emerging digital natives are going to be the fastest growing customer segment, OTP Bank decided to launch a new, digital- and mobile-only bank under the label Touch Bank.
[Workshop] Business Benefits and Digital Transformation through Open BankingWSO2
This deck highlights the WSO2 Open Banking offering and how Banks and Fintechs in South Africa can benefit from the solution. The capabilities in the solution and a few case studies on how banks have used our solution and used the components beyond their compliance requirements for digital transformation.
Check out our upcoming workshops: https://wso2.com/events/workshops/
Presentation about Tinkoff bank. Provides overview on history, financial strategy, and other aspects of the bank. Prepared based on Tinkoff annual statement.
Continuous Data Ingestion pipeline for the EnterpriseDataWorks Summit
Continuous Data ingestion platform built on NIFI and Spark that integrates variety of data sources including real-time events, data from external sources , structured and unstructured data with in-flight governance providing a real-time pipeline moving data from source to consumption in minutes. The next-gen data pipeline has helped eliminate the legacy batch latency and improve data quality and governance by designing custom NIFI processors and embedded Spark code. To meet the stringent regulatory requirements the data pipeline is being augmented with features to do in-flight ETL , DQ checks that enables a continuous workflow enhancing the Raw / unclassified data to Enriched / classified data available for consumption by users and production processes.
The banking industry’s resilience is being tested as banks navigate through a remarkable 2020 filled with uncertainties. The impact of COVID-19 has been about setting the tone for future operational models. Retail banks have shifted focus towards integrated risk management with a more holistic view of operational risks. Adapting to the new normal, banks have prioritized cost transformation while engaging customers virtually. Incumbents sought to be more responsible within fast-changing environmental conditions and ESG remained a critical focus.
To provide more experiential services, banks are leveraging techniques such as segment-of-one to hyper-personalize offerings while aiming to humanize digital channels for increased engagement. Banks are also revamping middle and back offices, going beyond the front end leveraging intelligent processes. Open X is enabling banks to play on their strengths and use the expertise of ecosystem players. Going forward, banks are poised to become an enhanced one-stop shop by providing consumers value-adding FS and non-FS experiences.
To acquire customers in cost-effective manner, retail banks are tapping value-based propositions ‒ such as POS financing and mortgage refinancing. Further, Banking-as-Service provides incumbents a way to provide their high-value offerings to other players. In preparation for the future, banks will be looking to improve their go-to-market agility by leveraging the benefits of cloud. This analysis outlines the top 10 trends in retail banking for 2021.
The term Digital Transformation is everywhere. Whether it's thrust upon our employees or communicated to us by Thought Leaders. But what does it all mean? Our Slideshare covers your basic guide to understanding the term.
MEDICI’s new ‘Open Banking’ report is a detailed analysis of the Open Banking landscape. Read about the evolution of Open Banking, the regulatory landscape, critical factors affecting the implementation of Open Banking, partnerships, market dynamics, and more!
Kakao Bank - Trailblazing Neobank from South KoreaSam Ghosh
Kakao Bank was launched in the year 2017 as part of the Kakao Corp. Within 24 hours, Kakao Bank enrolled 300K subscribers, 2 million in 15 days. As of the end of 2020, this South Korean Bank had more than 13 million users, around a quarter of the South Korean population. The bank has reached a loan book size of 20.3 trillion KRW (US$17.94 billion). The operating income for the bank stood at 804 billion KRW (~US$708 million) with 113.6 billion KRW (~US$100 million) net profit in FY2020.
Just after 3 years of its launched Kakao Bank is already planning IPO and is valued at around 10 trillion won (US$9.15 billion).
Let us learn about Kakao Bank.
Superweek 2022 - Solid & Digital Analytics TrackingJente De Ridder
Our industry is changing rapidly: tracking standards are under pressure, consumers are more privacy conscious and legislators are trying to regain control of big tech.
Solid offers an answer to all these challenges. It is a framework initiated by Tim Berners Lee, the inventor of the world wide web. And it is clear that this will be a game changer for how personal data will be handled in the future.
The question is how we as an industry will prepare ourselves for this and how we all can contribute to the adoption of this new standard?
2020 Banking Consumer Study: Making Digital More Human – UK Findingsaccenture
The 2020 Global Financial Services Consumer study surveyed 48,710 banking & insurance customers globally including 3,000 UK respondents. Read more here.
Digital transformation of the banking industry Frank Schwab
From traditional to digital banking
Significantly changing basic conditions
New customer expectations and journeys
New digital products: crowd, P2P & crypto
New game changing technologies, processes and concepts: Cloud, API, blockchain, AI, platform, eco-systems, 100% STP
New types of leadership
The Journey to Digital Transformation with Touch BankBackbase
The presentation of Andrei Kozliar, CEO of Touch Bank. In this webinar, Jouk Pleiter, CEO of Backbase, talks to two of the most innovative banks in Europe – Touch Bank and CheBanca!
Digital transformation is about fundamentally changing how banks attract, interact with and satisfy consumers, and it affects all levels of your organisation. Antonio and Andrei will share real-life examples of digital transformation in our new webinar, which will look at:
what was needed to start their digital transformation journeys
the key elements for success.
Antonio Fratta Pasini is Head of CRM and Omni-channel for CheBanca!, the retail bank of Mediobanca Group, the third largest financial services group in Italy. CheBanca! has always been at the forefront of innovation, from flagship futuristic branches to award-winning banking apps such as WOW!
Andrei Kozliar is CEO of Touch Bank, a neobank created by OTP Bank. Founded in 1949, OTP Bank is one of the largest independent financial service providers in Central and Eastern Europe, serving nine countries. Recognizing that today’s digital-savvy customers and emerging digital natives are going to be the fastest growing customer segment, OTP Bank decided to launch a new, digital- and mobile-only bank under the label Touch Bank.
[Workshop] Business Benefits and Digital Transformation through Open BankingWSO2
This deck highlights the WSO2 Open Banking offering and how Banks and Fintechs in South Africa can benefit from the solution. The capabilities in the solution and a few case studies on how banks have used our solution and used the components beyond their compliance requirements for digital transformation.
Check out our upcoming workshops: https://wso2.com/events/workshops/
Presentation about Tinkoff bank. Provides overview on history, financial strategy, and other aspects of the bank. Prepared based on Tinkoff annual statement.
Continuous Data Ingestion pipeline for the EnterpriseDataWorks Summit
Continuous Data ingestion platform built on NIFI and Spark that integrates variety of data sources including real-time events, data from external sources , structured and unstructured data with in-flight governance providing a real-time pipeline moving data from source to consumption in minutes. The next-gen data pipeline has helped eliminate the legacy batch latency and improve data quality and governance by designing custom NIFI processors and embedded Spark code. To meet the stringent regulatory requirements the data pipeline is being augmented with features to do in-flight ETL , DQ checks that enables a continuous workflow enhancing the Raw / unclassified data to Enriched / classified data available for consumption by users and production processes.
The banking industry’s resilience is being tested as banks navigate through a remarkable 2020 filled with uncertainties. The impact of COVID-19 has been about setting the tone for future operational models. Retail banks have shifted focus towards integrated risk management with a more holistic view of operational risks. Adapting to the new normal, banks have prioritized cost transformation while engaging customers virtually. Incumbents sought to be more responsible within fast-changing environmental conditions and ESG remained a critical focus.
To provide more experiential services, banks are leveraging techniques such as segment-of-one to hyper-personalize offerings while aiming to humanize digital channels for increased engagement. Banks are also revamping middle and back offices, going beyond the front end leveraging intelligent processes. Open X is enabling banks to play on their strengths and use the expertise of ecosystem players. Going forward, banks are poised to become an enhanced one-stop shop by providing consumers value-adding FS and non-FS experiences.
To acquire customers in cost-effective manner, retail banks are tapping value-based propositions ‒ such as POS financing and mortgage refinancing. Further, Banking-as-Service provides incumbents a way to provide their high-value offerings to other players. In preparation for the future, banks will be looking to improve their go-to-market agility by leveraging the benefits of cloud. This analysis outlines the top 10 trends in retail banking for 2021.
The term Digital Transformation is everywhere. Whether it's thrust upon our employees or communicated to us by Thought Leaders. But what does it all mean? Our Slideshare covers your basic guide to understanding the term.
MEDICI’s new ‘Open Banking’ report is a detailed analysis of the Open Banking landscape. Read about the evolution of Open Banking, the regulatory landscape, critical factors affecting the implementation of Open Banking, partnerships, market dynamics, and more!
Kakao Bank - Trailblazing Neobank from South KoreaSam Ghosh
Kakao Bank was launched in the year 2017 as part of the Kakao Corp. Within 24 hours, Kakao Bank enrolled 300K subscribers, 2 million in 15 days. As of the end of 2020, this South Korean Bank had more than 13 million users, around a quarter of the South Korean population. The bank has reached a loan book size of 20.3 trillion KRW (US$17.94 billion). The operating income for the bank stood at 804 billion KRW (~US$708 million) with 113.6 billion KRW (~US$100 million) net profit in FY2020.
Just after 3 years of its launched Kakao Bank is already planning IPO and is valued at around 10 trillion won (US$9.15 billion).
Let us learn about Kakao Bank.
Superweek 2022 - Solid & Digital Analytics TrackingJente De Ridder
Our industry is changing rapidly: tracking standards are under pressure, consumers are more privacy conscious and legislators are trying to regain control of big tech.
Solid offers an answer to all these challenges. It is a framework initiated by Tim Berners Lee, the inventor of the world wide web. And it is clear that this will be a game changer for how personal data will be handled in the future.
The question is how we as an industry will prepare ourselves for this and how we all can contribute to the adoption of this new standard?
2020 Banking Consumer Study: Making Digital More Human – UK Findingsaccenture
The 2020 Global Financial Services Consumer study surveyed 48,710 banking & insurance customers globally including 3,000 UK respondents. Read more here.
En línea con las mejores prácticas internacionales, la CRC publicará un informe anual sobre el efecto de la economía global de internet en la economía colombiana.
Somos el Regulador único con independencia administrativa,
técnica, patrimonial, presupuestal y con personería jurídica.
Regulamos redes y servicios de telecomunicaciones; servicios
postales, servicio público de televisión, servicio de
radiodifusión sonora, Servicio Postal Universal.
Presentación de Mariana Rodríguez Zani, Convergencia, en la Clínica Mobile 2010 en la Universidad de Palermo.
Asesor académico, Pablo Capurro, @pablocapurro
Como muestra de su compromiso con los usuarios de servicios de comunicaciones en Colombia, y en el cumplimiento de la misión y las funciones asignadas por la ley, la CRC llevó a cabo la Audiencia de Rendición de Cuentas “CRC Te Cumple” para dar a conocer los resultados de las diferentes estrategias implementadas para maximizar el bienestar de los usuarios de los servicios de comunicaciones, protegiendo sus derechos, motivando una sana competencia en el mercado y fomentando la calidad de los servicios, como parte de su gestión durante el año 2018.
Vicente Calzado-La nueva revolución de la producción: la transformación digitalFundación Ramón Areces
'La nueva revolución de la producción: la transformación digital'. Este fue el hilo conductor de la jornada que celebramos el 14 de marzo de 2017 con la OCDE. Arrancó con las intervenciones de Ángel Gurría, Secretario general de la OCDE, y de Álvaro Nadal, Ministro de Energía, Turismo y Agenda Digital. A continuación, diferentes expertos y emprendedores explicaron cómo la tecnología está revolucionando la industria y los negocios.
El Jefe de la Cartera TIC, David Luna, compartió los resultados del Observatorio de #EconomíaDigital en un evento de #Oracle, el 17 de enero de 2018. El Ministro, señaló: "En el año 2025 Colombia será referente de la #EconomíaDigital"
Es un diagrama para La asistencia técnica o apoyo técnico es brindada por las compañías para que sus clientes puedan hacer uso de sus productos o servicios de la manera en que fueron puestos a la venta.
(PROYECTO) Límites entre el Arte, los Medios de Comunicación y la Informáticavazquezgarciajesusma
En este proyecto de investigación nos adentraremos en el fascinante mundo de la intersección entre el arte y los medios de comunicación en el campo de la informática.
La rápida evolución de la tecnología ha llevado a una fusión cada vez más estrecha entre el arte y los medios digitales, generando nuevas formas de expresión y comunicación.
Continuando con el desarrollo de nuestro proyecto haremos uso del método inductivo porque organizamos nuestra investigación a la particular a lo general. El diseño metodológico del trabajo es no experimental y transversal ya que no existe manipulación deliberada de las variables ni de la situación, si no que se observa los fundamental y como se dan en su contestó natural para después analizarlos.
El diseño es transversal porque los datos se recolectan en un solo momento y su propósito es describir variables y analizar su interrelación, solo se desea saber la incidencia y el valor de uno o más variables, el diseño será descriptivo porque se requiere establecer relación entre dos o más de estás.
Mediante una encuesta recopilamos la información de este proyecto los alumnos tengan conocimiento de la evolución del arte y los medios de comunicación en la información y su importancia para la institución.
Actualmente, y debido al desarrollo tecnológico de campos como la informática y la electrónica, la mayoría de las bases de datos están en formato digital, siendo este un componente electrónico, por tanto se ha desarrollado y se ofrece un amplio rango de soluciones al problema del almacenamiento de datos.
2. ¿QUÉ PIDEN LOS OPERADORES
TRADICIONALES?
Establecer
incentivos
adecuados
para la
inversión
Es necesario
desregular para
promover el
desarrollo de la
Economía
Digital en el País
Entorno
competitivo
desequilibrado
con OTT por
asimetría
regulatoria
Definir
política TIC
desde el
Gobierno
Nacional
Reforma
tributaria
afecta los
ingresos del
sector
OTT
3. Voz Móvil Internet Móvil Mensajería Móvil
Telefonía Fija Internet Fijo Televisión por Suscripción
• Crecimiento más lento de
los ingresos por servicios
tradicionales
• Hábitos de consumo de los
usuarios enfocados en
internet y contenidos
• Cambio en la composición
de los ingresos
COMPOSICIÓN DE INGRESO POR SERVICIO EN COLOMBIA
Billones
¿QUÉ ESTÁN VIVIENDO LOS
OPERADORES TRADICIONALES?
4. ADOPCIÓN DE INTERNET HA
MEJORADO, PERO…
Telefonía Fija Internet Fijo Televisión por Suscripción
45% de hogares conectados a Internet Fijo. Quedan 7,6 millones de hogares pendientes por conectar
25,3 millones de ciudadanos sin conexión a internet móvil (Incluye población infantil).
…aún queda una porción importante por conectar
PENETRACIÓN SERVICIOS FIJOS
PENETRACIÓN SERVICIOS MÓVILES
Voz móvil Internet móvil
5. NECESIDADES DEL USUARIO DEFINEN
EL FOCO DE LA INVERSIÓN
Las redes deberán seguir creciendo en capacidad, velocidad y
calidad, para soportar los servicios demandados por los usuarios
Fuente: GSMA Intelligence, Machina Research Fuente: OVUM TMT Intelligence
6. ANÁLISIS DE POSIBLES CAUSAS
(CRC, 2016)
RELACIÓN ENTRE EL SECTOR Y EL PIB
Determinantes
del crecimiento
• Inversión
• Crecimiento de los
• salarios reales
• Tasa de cambio
• Regulación
• Gasto público
• Penetración de servicios
Resultados
• Desaceleración del
sector coincide con la de
la economía
• Desaceleración del
sector se explica por:
• Baja inversión
• Desaceleración de
la demanda y del
crecimiento de los
salarios reales
• Devaluación del
peso colombiano
Conclusiones
• Ninguna
regulación explica
la desaceleración
del sector a partir
del año 2014.
•Operadores
buscan nuevas
fuentes de ingreso
7. UNA INDUSTRIA CAMBIANTE
Es previsible que la industria de telecomunicaciones incursione en la provisión de
servicios digitales, donde los ingresos crecen de forma acelerada
Fuente: GSMA Intelligence
2011 2012 2013 2014 2015 2016
6 % 5 % 4 %
2 % 2 % 2 %
37 %
25 %
23 % 22 %
20 %
27 %
Amazon, facebook, Google, Netflix Global mobile revenues
CRECIMIENTO DE INGRESOS:
TECNOLOGÍA VS TELECOM TELECOMUNICACIONES: INGRESOS
DIGITALES SOBRE TOTAL DE INGRESOS
0,0%
2,0%
4,0%
6,0%
8,0%
10,0%
12,0%
14,0%
16,0%
Leading
MNO
Japan
Challenger
MNO
Japan
Leading
MNO South
Korea
Leading
MNO Spain
Leading
MNO
Germany
Leading
MNO
France
Leading
MNO
Singapore
Leading
MNO
Nigeria
MNO Exceptions with >5% of digital
revenues in Asia
MNO Telecom players in mature markets < 5% of digital
revenues
Telecom's digital revenues as % of total revenues (in 2016)
Fuente: GSMA Intelligence
8. RETOS GOBIERNO Y
SECTOR PRIVADO
La situación actual de los
países de Latinoamérica,
indica que ahora se deberá
atender la demanda
creciente de los ciudadanos
ya conectados mientras se
continúa en la senda de
crecimiento en la
penetración
Velocidades
Calidad
Latencia
Penetración
Conectividad
Recursos
Redes
Infraestructura
Tecnología
+
Sector preparado para
la digitalización de la
economía
Apropiación de
las TIC
Contenidos
relevantes =
10. PROBLEMA AL QUE SE
ENFRENTA EL REGULADOR
Las dinámicas
del mercado
dificultan contar
con un marco
regulatorio
actualizado
11. ENFOQUE DE LA ACTIVIDAD
REGULATORIA
Análisis de
Impacto
Normativo Agenda
Regulatoria
Enfoque de
simplificación
normativa Conocimiento
del ecosistema
MEJORA
REGULATORIA
12. APLICACIÓN DE ANÁLISIS DE
IMPACTO NORMATIVO
Herramientas
más detalladas
para reducción
de cargas
regulatorias y
maximizar
efectividad de las
medidas
Análisis de
Impacto
Normativo
Identificación
del problema
Definición de
objetivos del
análisis
Análisis de
Resultados
Actuales Vs.
Esperados
Definición de
alternativas
regulatorias
Evaluación y
comparación
de opciones
Adopción de
la medida
14. EL ECOSISTEMA VA MUCHO MÁS ALLÁ DE LAS
TELECOMUNICACIONES Y LA REGULACIÓN DEBE RECONOCERLO
Análisis y
Gestión de la
Inform
ación
Relacionam
iento
con
Agentes
Capital
Intelectual
Diseño
Regulatorio
La CRC se ha
transformado para: 1.
Entender mejor las
interacciones entre
agentes, 2. Diseñar
regulación
considerando todas las
variables y agentes
posibles, 3. Convertirse
en facilitador del
entorno digital.
Conocimiento
del ecosistema
Planeación
Estratégica
GESTION DE CONOCIMIENTO
15. SIMPLIFICACIÓN REGULATORIA:
TENDENCIA INTERNACIONAL
Unión Europea México Nueva
Zelanda
Dinamarca Francia Reino Unido
NO HAY FÓRMULA ÚNICA: El desarrollo del
mercado determina la aproximación adecuada
• Migración de
visión de
Estado
regulador a
visión de
Estado
desarrollista
• Eliminación
del regulador
TIC, más no de
sus funciones
•Consejo
Nacional de
Evaluación de
Normas
•Por cada norma
propuesta se
modifican o
eliminan al
menos dos
concernientes
al tema.
•Regular de la
manera menos
intrusiva
posible
•Evaluación de
impacto
periódico de las
regulaciones
vigentes
•Plan de
simplificación
• Reducción de
mercados
relevantes sujetos
a regulación
exante: de 18 en
2003 a 4 en 2014
• Regulatory
Fitness and
performance
(REFIT) -
Eliminar cargas
innecesarias
• Comisión
Federal de
Mejora
Regulatoria
• Criterios 2X1
• Estimación de
costos de la
regulación como
enfoque de
simplificación.
•Transición de
regulación
ligera a
regulación
estricta.
Enfoque de
simplificación
normativa
16. RETOS EN MATERIA DE MEJORA
REGULATORIA
Facilitar transformación
del modelo de negocio
del sector
Reducir costos y
cargas de la
regulación
Alinear regulación
con evolución del
entorno digital
DEFINICIÓN DE POLÍTICA/
ESTRATEGIA DIGITAL NACIONAL