{"id":89050,"date":"2025-05-27T13:07:12","date_gmt":"2025-05-27T11:07:12","guid":{"rendered":"https:\/\/www.fintonic.com\/blog\/?p=89050"},"modified":"2026-03-17T12:34:29","modified_gmt":"2026-03-17T11:34:29","slug":"por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration","status":"publish","type":"post","link":"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/","title":{"rendered":"\u00bfPor qu\u00e9 los datos precisos son clave en el credit scoring? La revoluci\u00f3n del Open Banking y Open Administration"},"content":{"rendered":"

Hoy en d\u00eda, pedir un pr\u00e9stamo o una tarjeta ya no es cosa de papeleo interminable. Pero que el proceso sea digital no significa que sea infalible. Detr\u00e1s de cada \u201cs\u00ed\u201d o \u201cno\u201d hay un sistema de evaluaci\u00f3n del riesgo (el famoso credit scoring) que decide si eres solvente\u2026 o no. Y en ese proceso, la calidad de los datos marca la diferencia.<\/p>\n

Con la llegada del Open Banking y el avance del Open Administration, las entidades financieras est\u00e1n mejorando (y mucho) la forma en la que analizan nuestros perfiles. \u00bfEl objetivo? Tomar decisiones m\u00e1s justas, m\u00e1s r\u00e1pidas y con menos margen de error.<\/p>\n

\u00bfQu\u00e9 es el credit scoring y por qu\u00e9 es tan importante tener buenos datos?<\/h2>\n

El credit scoring funciona como una especie de nota que se le pone a cada persona cuando solicita financiaci\u00f3n.<\/a> Esa nota se calcula a partir de distintos datos: si has pedido cr\u00e9ditos antes, si los has devuelto a tiempo, cu\u00e1nto cobras, c\u00f3mo gastas\u2026<\/p>\n

Hasta hace poco, esa informaci\u00f3n ven\u00eda sobre todo de:<\/p>\n

– Bur\u00f3s de cr\u00e9dito.
\n– Extractos bancarios.
\n– Datos que t\u00fa mismo aportabas al pedir el pr\u00e9stamo.<\/p>\n

\u00bfEl problema? Que muchas veces esos datos est\u00e1n desactualizados, incompletos o directamente mal. Y claro, con mala informaci\u00f3n es f\u00e1cil que un buen pagador se quede fuera del sistema, o que un perfil con riesgo acabe recibiendo un cr\u00e9dito que no podr\u00e1 devolver.<\/p>\n

Contar con datos precisos y en tiempo real es clave para afinar ese scoring y tomar decisiones m\u00e1s inteligentes. Y eso no solo ayuda a los bancos: tambi\u00e9n es una buena noticia para quienes buscan financiaci\u00f3n.<\/p>\n

Open Banking: acceso a tu informaci\u00f3n bancaria\u2026 con tu permiso<\/h2>\n

Con el Open Banking, t\u00fa decides si compartes tus datos financieros con una entidad, pero cuando lo haces, esa entidad puede acceder a informaci\u00f3n muy valiosa: tus ingresos reales, tus gastos habituales, tus patrones de consumo\u2026 Y todo de forma segura y actualizada.<\/p>\n

Gracias a la normativa PSD2, esto ya es una realidad en Europa. Y los beneficios son claros:<\/p>\n

– Se puede evaluar tu capacidad de pago con m\u00e1s precisi\u00f3n.
\n– Si no tienes historial crediticio tradicional, pero s\u00ed ingresos regulares, se te puede tener en cuenta.
\n– Las decisiones son m\u00e1s transparentes.
\n– Se reduce el n\u00famero de impagos.<\/p>\n

Y si a esto le sumamos el uso de inteligencia artificial y modelos de machine learning, el an\u00e1lisis se vuelve mucho m\u00e1s fino. Ya no se trata solo de ver si cobras lo suficiente, sino de entender c\u00f3mo manejas tu dinero d\u00eda a d\u00eda.<\/p>\n

Open Administration: abrir la puerta a los datos p\u00fablicos\u2026 con cabeza<\/h2>\n

Pero la revoluci\u00f3n no termina ah\u00ed. El Open Administration lleva este concepto al terreno de lo p\u00fablico. Con tu consentimiento, las entidades pueden consultar tus datos fiscales, situaci\u00f3n laboral o incluso si est\u00e1s dado de alta en la Seguridad Social, sin necesidad de que t\u00fa tengas que enviar nada.<\/p>\n

– Esto tiene ventajas evidentes:
\n– Se verifica la informaci\u00f3n directamente con fuentes oficiales.
\n– Se evita el fraude documental.
\n– El proceso es m\u00e1s \u00e1gil (se acaban los \u201cnecesitamos tu \u00faltima n\u00f3mina\u201d).
\n– No dependes solo de lo que declares: los datos hablan por ti.<\/p>\n

Este enfoque es especialmente \u00fatil en pa\u00edses (como Espa\u00f1a o en mercados latinoamericanos) donde parte de la econom\u00eda funciona de manera informal. Aqu\u00ed, contar con fuentes oficiales puede ser la clave para que m\u00e1s personas accedan a productos financieros sin pasar por procesos eternamente burocr\u00e1ticos.<\/p>\n

En resumen: \u00bfpor qu\u00e9 importa todo esto?<\/h2>\n

Porque cuando se trata de dinero \u2014el tuyo, el m\u00edo, el de todos\u2014 no hay nada m\u00e1s valioso que tomar decisiones con informaci\u00f3n buena, completa y actual. El Open Banking y el Open Administration no son solo tendencias, son herramientas que permiten que el sistema financiero sea m\u00e1s justo, m\u00e1s inclusivo y m\u00e1s eficiente.<\/p>\n

Y si eso significa que m\u00e1s personas pueden acceder a una financiaci\u00f3n responsable, sin sustos ni exclusiones injustas\u2026 pues mejor para todos, \u00bfno?<\/p>\n","protected":false},"excerpt":{"rendered":"

Hoy en d\u00eda, pedir un pr\u00e9stamo o una tarjeta ya no es cosa de papeleo interminable. Pero que el proceso sea digital no significa que sea infalible. Detr\u00e1s de cada \u201cs\u00ed\u201d o \u201cno\u201d hay un sistema de evaluaci\u00f3n del riesgo (el famoso credit scoring) que decide si eres solvente\u2026 o no. Y en ese proceso, […]<\/p>\n","protected":false},"author":19,"featured_media":89052,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[693],"tags":[],"class_list":["post-89050","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finscore"],"yoast_head":"\n\u00bfPor qu\u00e9 los datos precisos son clave en el credit scoring? La revoluci\u00f3n del Open Banking y Open Administration - Fintonic News<\/title>\n<meta name=\"description\" content=\"Descubre c\u00f3mo el Open Banking y el Open Administration mejoran la precisi\u00f3n del credit scoring y permiten decisiones de cr\u00e9dito m\u00e1s justas y seguras.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfPor qu\u00e9 los datos precisos son clave en el credit scoring? La revoluci\u00f3n del Open Banking y Open Administration\" \/>\n<meta property=\"og:description\" content=\"Descubre c\u00f3mo el Open Banking y el Open Administration mejoran la precisi\u00f3n del credit scoring y permiten decisiones de cr\u00e9dito m\u00e1s justas y seguras.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/\" \/>\n<meta property=\"og:site_name\" content=\"Fintonic News\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Fintonic\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-27T11:07:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-17T11:34:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fintonic.com\/blog\/wp-content\/uploads\/2025\/05\/finscore-img-1024x683.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Kevin Nunez\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:description\" content=\"Descubre c\u00f3mo el Open Banking y el Open Administration mejoran la precisi\u00f3n del credit scoring y permiten decisiones de cr\u00e9dito m\u00e1s justas y seguras.\" \/>\n<meta name=\"twitter:creator\" content=\"@FINTONIC\" \/>\n<meta name=\"twitter:site\" content=\"@FINTONIC\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kevin Nunez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\\\/\"},\"author\":{\"name\":\"Kevin Nunez\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#\\\/schema\\\/person\\\/7fb4667d03f095fd085b6e8ae3c171cd\"},\"headline\":\"\u00bfPor qu\u00e9 los datos precisos son clave en el credit scoring? La revoluci\u00f3n del Open Banking y Open Administration\",\"datePublished\":\"2025-05-27T11:07:12+00:00\",\"dateModified\":\"2026-03-17T11:34:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\\\/\"},\"wordCount\":732,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/finscore-img.png\",\"articleSection\":[\"FinScore\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\\\/\",\"url\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\\\/\",\"name\":\"\u00bfPor qu\u00e9 los datos precisos son clave en el credit scoring? La revoluci\u00f3n del Open Banking y Open Administration - Fintonic News\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/finscore-img.png\",\"datePublished\":\"2025-05-27T11:07:12+00:00\",\"dateModified\":\"2026-03-17T11:34:29+00:00\",\"description\":\"Descubre c\u00f3mo el Open Banking y el Open Administration mejoran la precisi\u00f3n del credit scoring y permiten decisiones de cr\u00e9dito m\u00e1s justas y seguras.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/finscore-img.png\",\"contentUrl\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/finscore-img.png\",\"width\":1920,\"height\":1280},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u00bfPor qu\u00e9 los datos precisos son clave en el credit scoring? La revoluci\u00f3n del Open Banking y Open Administration\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/\",\"name\":\"Fintonic News\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#organization\",\"name\":\"Fintonic News\",\"url\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-Fintonic_Logo-1-1.png\",\"contentUrl\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/cropped-Fintonic_Logo-1-1.png\",\"width\":512,\"height\":512,\"caption\":\"Fintonic News\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/Fintonic\\\/\",\"https:\\\/\\\/x.com\\\/FINTONIC\",\"https:\\\/\\\/www.instagram.com\\\/fintonic_app\\\/\",\"https:\\\/\\\/www.tiktok.com\\\/@fintonic?lang=es\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/fintonic\\\/mycompany\\\/\",\"https:\\\/\\\/www.youtube.com\\\/@fintonictv\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#\\\/schema\\\/person\\\/7fb4667d03f095fd085b6e8ae3c171cd\",\"name\":\"Kevin Nunez\",\"url\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/author\\\/kevin-nunez\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u00bfPor qu\u00e9 los datos precisos son clave en el credit scoring? La revoluci\u00f3n del Open Banking y Open Administration - Fintonic News","description":"Descubre c\u00f3mo el Open Banking y el Open Administration mejoran la precisi\u00f3n del credit scoring y permiten decisiones de cr\u00e9dito m\u00e1s justas y seguras.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/","og_locale":"es_ES","og_type":"article","og_title":"\u00bfPor qu\u00e9 los datos precisos son clave en el credit scoring? La revoluci\u00f3n del Open Banking y Open Administration","og_description":"Descubre c\u00f3mo el Open Banking y el Open Administration mejoran la precisi\u00f3n del credit scoring y permiten decisiones de cr\u00e9dito m\u00e1s justas y seguras.","og_url":"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/","og_site_name":"Fintonic News","article_publisher":"https:\/\/www.facebook.com\/Fintonic\/","article_published_time":"2025-05-27T11:07:12+00:00","article_modified_time":"2026-03-17T11:34:29+00:00","og_image":[{"width":1024,"height":683,"url":"https:\/\/www.fintonic.com\/blog\/wp-content\/uploads\/2025\/05\/finscore-img-1024x683.png","type":"image\/png"}],"author":"Kevin Nunez","twitter_card":"summary_large_image","twitter_description":"Descubre c\u00f3mo el Open Banking y el Open Administration mejoran la precisi\u00f3n del credit scoring y permiten decisiones de cr\u00e9dito m\u00e1s justas y seguras.","twitter_creator":"@FINTONIC","twitter_site":"@FINTONIC","twitter_misc":{"Escrito por":"Kevin Nunez","Tiempo de lectura":"4 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/#article","isPartOf":{"@id":"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/"},"author":{"name":"Kevin Nunez","@id":"https:\/\/www.fintonic.com\/blog\/#\/schema\/person\/7fb4667d03f095fd085b6e8ae3c171cd"},"headline":"\u00bfPor qu\u00e9 los datos precisos son clave en el credit scoring? La revoluci\u00f3n del Open Banking y Open Administration","datePublished":"2025-05-27T11:07:12+00:00","dateModified":"2026-03-17T11:34:29+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/"},"wordCount":732,"publisher":{"@id":"https:\/\/www.fintonic.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fintonic.com\/blog\/wp-content\/uploads\/2025\/05\/finscore-img.png","articleSection":["FinScore"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/","url":"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/","name":"\u00bfPor qu\u00e9 los datos precisos son clave en el credit scoring? La revoluci\u00f3n del Open Banking y Open Administration - Fintonic News","isPartOf":{"@id":"https:\/\/www.fintonic.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/#primaryimage"},"image":{"@id":"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fintonic.com\/blog\/wp-content\/uploads\/2025\/05\/finscore-img.png","datePublished":"2025-05-27T11:07:12+00:00","dateModified":"2026-03-17T11:34:29+00:00","description":"Descubre c\u00f3mo el Open Banking y el Open Administration mejoran la precisi\u00f3n del credit scoring y permiten decisiones de cr\u00e9dito m\u00e1s justas y seguras.","breadcrumb":{"@id":"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/#primaryimage","url":"https:\/\/www.fintonic.com\/blog\/wp-content\/uploads\/2025\/05\/finscore-img.png","contentUrl":"https:\/\/www.fintonic.com\/blog\/wp-content\/uploads\/2025\/05\/finscore-img.png","width":1920,"height":1280},{"@type":"BreadcrumbList","@id":"https:\/\/www.fintonic.com\/blog\/por-que-los-datos-precisos-son-clave-en-el-credit-scoring-la-revolucion-del-open-banking-y-open-administration\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/www.fintonic.com\/blog\/"},{"@type":"ListItem","position":2,"name":"\u00bfPor qu\u00e9 los datos precisos son clave en el credit scoring? La revoluci\u00f3n del Open Banking y Open Administration"}]},{"@type":"WebSite","@id":"https:\/\/www.fintonic.com\/blog\/#website","url":"https:\/\/www.fintonic.com\/blog\/","name":"Fintonic News","description":"","publisher":{"@id":"https:\/\/www.fintonic.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fintonic.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/www.fintonic.com\/blog\/#organization","name":"Fintonic News","url":"https:\/\/www.fintonic.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.fintonic.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.fintonic.com\/blog\/wp-content\/uploads\/2024\/03\/cropped-Fintonic_Logo-1-1.png","contentUrl":"https:\/\/www.fintonic.com\/blog\/wp-content\/uploads\/2024\/03\/cropped-Fintonic_Logo-1-1.png","width":512,"height":512,"caption":"Fintonic News"},"image":{"@id":"https:\/\/www.fintonic.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Fintonic\/","https:\/\/x.com\/FINTONIC","https:\/\/www.instagram.com\/fintonic_app\/","https:\/\/www.tiktok.com\/@fintonic?lang=es","https:\/\/www.linkedin.com\/company\/fintonic\/mycompany\/","https:\/\/www.youtube.com\/@fintonictv"]},{"@type":"Person","@id":"https:\/\/www.fintonic.com\/blog\/#\/schema\/person\/7fb4667d03f095fd085b6e8ae3c171cd","name":"Kevin Nunez","url":"https:\/\/www.fintonic.com\/blog\/author\/kevin-nunez\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fintonic.com\/blog\/wp-json\/wp\/v2\/posts\/89050","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fintonic.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fintonic.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fintonic.com\/blog\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fintonic.com\/blog\/wp-json\/wp\/v2\/comments?post=89050"}],"version-history":[{"count":2,"href":"https:\/\/www.fintonic.com\/blog\/wp-json\/wp\/v2\/posts\/89050\/revisions"}],"predecessor-version":[{"id":89053,"href":"https:\/\/www.fintonic.com\/blog\/wp-json\/wp\/v2\/posts\/89050\/revisions\/89053"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fintonic.com\/blog\/wp-json\/wp\/v2\/media\/89052"}],"wp:attachment":[{"href":"https:\/\/www.fintonic.com\/blog\/wp-json\/wp\/v2\/media?parent=89050"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fintonic.com\/blog\/wp-json\/wp\/v2\/categories?post=89050"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fintonic.com\/blog\/wp-json\/wp\/v2\/tags?post=89050"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}