{"id":89385,"date":"2025-11-27T13:17:25","date_gmt":"2025-11-27T12:17:25","guid":{"rendered":"https:\/\/www.fintonic.com\/blog\/?p=89385"},"modified":"2026-03-17T12:27:40","modified_gmt":"2026-03-17T11:27:40","slug":"open-finance-del-scoring-al-analisis-competitivo-multisectorial","status":"publish","type":"post","link":"https:\/\/www.fintonic.com\/blog\/open-finance-del-scoring-al-analisis-competitivo-multisectorial\/","title":{"rendered":"Open Finance: del scoring al an\u00e1lisis competitivo multisectorial"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">La semana pasada tuve la oportunidad de participar en la mesa redonda <\/span><b>\u201cOpen Finance sin Fronteras: Nuevos Productos desde la Colaboraci\u00f3n Intersectorial\u201d<\/b><span style=\"font-weight: 400;\">, celebrada durante la Finance Week en Madrid. Fue una conversaci\u00f3n muy especial porque abordamos un tema que vivimos diariamente en <strong><a href=\"https:\/\/www.fintonic.com\/es-ES\/inicio\/\">Fintonic<\/a><\/strong>: c\u00f3mo la interoperabilidad entre sectores \u2014banca, fintech, retail, movilidad, telecomunicaciones\u2026\u2014 est\u00e1 impulsando nuevos productos, nuevas experiencias financieras y, por lo tanto, una manera completamente distinta de entender a los clientes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Adem\u00e1s, como cont\u00e9 en esa sesi\u00f3n, el Open Finance ha entrado en una fase en la que ya no se trata solo de acceder a datos bancarios, sino de comprender <\/span><b>c\u00f3mo se relacionan las personas con su dinero a trav\u00e9s de m\u00faltiples servicios<\/b><span style=\"font-weight: 400;\">. En consecuencia, esa visi\u00f3n abre puertas a modelos mucho m\u00e1s reales, m\u00e1s justos y m\u00e1s \u00fatiles para consumidores y empresas.<\/span><\/p>\n<h2><\/h2>\n<h2><b>FinScore: Comportamiento financiero para decisiones responsables<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">El Open Banking ha permitido que soluciones basadas en datos reales de comportamiento \u2014como <\/span><a href=\"https:\/\/www.fintonic.com\/blog\/que-es-el-finscore\/\"><b>FinScore<\/b><\/a><span style=\"font-weight: 400;\">\u2014 evolucionen hasta convertirse en un est\u00e1ndar para medir la capacidad de endeudamiento de un consumidor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">FinScore analiza se\u00f1ales como:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Estabilidad y recurrencia de ingresos<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tensiones de liquidez<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gastos fijos y periodicidad<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Presi\u00f3n de deuda<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Historial y comportamiento de pago<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Este enfoque permite una visi\u00f3n din\u00e1mica del cliente y se aplica de forma natural a m\u00faltiples sectores:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Financiaci\u00f3n al consumo<\/b><span style=\"font-weight: 400;\"> \u2192 ajustar cuotas y reducir riesgo de sobreendeudamiento.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Movilidad \/ renting<\/b><span style=\"font-weight: 400;\"> \u2192 evaluar estabilidad en contratos de larga duraci\u00f3n.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Alquiler residencial<\/b><span style=\"font-weight: 400;\"> \u2192 agilizar decisiones reduciendo incertidumbre.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Seguros<\/b><span style=\"font-weight: 400;\"> \u2192 detectar patrones que correlacionan con siniestralidad en ramos como Auto u Hogar.<\/span><\/li>\n<\/ul>\n<h2><\/h2>\n<h2><b>Qu\u00e9 nos dicen los datos: dos estudios con KPMG y Google<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Tras a\u00f1os de an\u00e1lisis, algo que destacamos ahora es c\u00f3mo ciertas din\u00e1micas se repiten de manera consistente. Dos estudios recientes \u2014realizados conjuntamente con <\/span><b>KPMG y Google<\/b><span style=\"font-weight: 400;\">\u2014 nos dieron una perspectiva muy rica de esa evoluci\u00f3n, tanto en <\/span><b>banca digital<\/b><span style=\"font-weight: 400;\"> como en <\/span><b>seguros<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><\/h3>\n<h3><b>1. Banca digital: el perfil financiero del nuevo cliente online<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">En el an\u00e1lisis sobre clientes digitales de banca tradicional, neobancos de grupo y neobancos independientes, vimos patrones que contradicen muchas percepciones del mercado:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Los clientes de <\/span><b>neobancos independientes muestran un perfil financiero m\u00e1s equilibrado<\/b><span style=\"font-weight: 400;\"> del que suele imaginarse.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Se observa una fuerte orientaci\u00f3n al ahorro y mayor disciplina financiera.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Esto se traduce en <\/span><b>menores tensiones de liquidez, menos impagos y menor riesgo global<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">El estudio revel\u00f3 que cuando el cliente combina servicios de banca tradicional y neobanca, su comportamiento tiende incluso a ser m\u00e1s solvente y estable que la media.<\/span><\/p>\n<h3><\/h3>\n<h3><b>2. Seguros: estabilidad financiera y menor siniestralidad<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">En un segundo an\u00e1lisis, centrado en <\/span><b>clientes digitales del ramo de Auto<\/b><span style=\"font-weight: 400;\">, identificamos que:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Los clientes de <\/span><b>aseguradoras mediadas<\/b><span style=\"font-weight: 400;\"> presentan perfiles financieros m\u00e1s s\u00f3lidos.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tienen mayor liquidez, menos episodios de impago y mejor equilibrio deuda\u2013ingresos.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Estos factores se asocian a <\/span><b>carteras de mayor calidad<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Lo interesante es que, aunque el sector asegurador no es un sector financiero en s\u00ed mismo, <\/span><b>el comportamiento econ\u00f3mico del cliente s\u00ed anticipa parte de su riesgo asegurador<\/b><span style=\"font-weight: 400;\">, y lo hace con mucha consistencia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ambos estudios, realizados con los mismos partners pero en dos sectores diferentes, muestran c\u00f3mo <\/span><b>el comportamiento financiero real es una m\u00e9trica transversal<\/b><span style=\"font-weight: 400;\">, \u00fatil para entender al cliente m\u00e1s all\u00e1 del cr\u00e9dito.<\/span><\/p>\n<h2><\/h2>\n<h2><b>Una posici\u00f3n \u00fanica: modelo B2C + inteligencia B2B<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">En Fintonic llevamos m\u00e1s de diez a\u00f1os operando en un ecosistema mixto:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Un <\/span><b>modelo B2C<\/b><span style=\"font-weight: 400;\"> donde gestionamos m\u00e1s de 60.000 solicitudes de cr\u00e9dito al mes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Un <\/span><b>modelo B2B<\/b><span style=\"font-weight: 400;\"> desde OpenInsights que analiza comportamiento financiero multisectorial.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Esta combinaci\u00f3n nos permite algo excepcional: <\/span><b>validar modelos todos los d\u00edas en un marketplace vivo<\/b><span style=\"font-weight: 400;\">, mientras ayudamos a empresas de sectores distintos a entender c\u00f3mo se comportan realmente sus clientes.<\/span><\/p>\n<h2><\/h2>\n<h2><b>Investigaci\u00f3n intersectorial: c\u00f3mo se comporta el mercado m\u00e1s all\u00e1 de la banca<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Muchas compa\u00f1\u00edas \u2014entidades financieras, aseguradoras, telcos, retail\u2014 se apoyan en estos datos para:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identificar patrones de uso entre servicios.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Determinar qu\u00e9 sectores compiten por el mismo bolsillo.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Detectar cambios estrat\u00e9gicos que afectan a fidelidad y cuota de mercado.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Todo ello desde una perspectiva basada en datos reales, no en encuestas o percepciones.<\/span><\/p>\n<h2><\/h2>\n<h2><b>Caso real: el mercado de Alarmas del Hogar (2019\u20132025)<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Este es uno de los ejemplos que m\u00e1s me gusta para explicar c\u00f3mo el Open Finance puede transformar la comprensi\u00f3n de un sector aparentemente ajeno al financiero.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En 2019, el mercado estaba compuesto por m\u00faltiples operadores peque\u00f1os y dos grandes l\u00edderes: Securitas y Prosegur Alarmas. Ese mismo a\u00f1o, Movistar anunci\u00f3 su alianza con Prosegur para integrar la alarma dentro de su oferta de servicios.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Analizamos el mercado tanto en 2019 como en 2025, y los datos mostraron:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Movistar perd\u00eda clientes hacia operadores low-cost.<\/b><span style=\"font-weight: 400;\"> La incorporaci\u00f3n de la alarma era una v\u00eda clara para reforzar la fidelizaci\u00f3n: cuantos m\u00e1s servicios contrata un cliente, menor es su probabilidad de baja.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prosegur ten\u00eda el pago mensual medio m\u00e1s alto del sector<\/b><span style=\"font-weight: 400;\">, lo cual reflejaba su posicionamiento premium. La alianza con una telco ampliaba su acceso a nuevos segmentos.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Entre 2019 y 2025, <\/span><b>Movistar Prosegur Alarmas duplic\u00f3 su participaci\u00f3n en el mercado<\/b><span style=\"font-weight: 400;\"> y captur\u00f3 casi la mitad del crecimiento del sector.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La mayor penetraci\u00f3n se dio entre <\/span><b>clientes de mayor valor<\/b><span style=\"font-weight: 400;\">, aquellos con facturas m\u00e1s elevadas en su servicio principal.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Es un caso que demuestra c\u00f3mo los datos transaccionales permiten ver din\u00e1micas de cross-selling, fidelizaci\u00f3n y movilidad competitiva que ninguna empresa puede detectar analizando solo sus propios datos.<\/span><\/p>\n<h2><\/h2>\n<h2><b>Conclusi\u00f3n: hacia un est\u00e1ndar transversal de inteligencia de mercado<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">La interoperabilidad entre banca, fintechs, telcos, aseguradoras y sectores de servicios est\u00e1 dando lugar a algo que hasta ahora no exist\u00eda: <\/span><b>una inteligencia competitiva basada en datos reales de comportamiento financiero<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Esto no va solo de scoring. Va de comprender c\u00f3mo las personas organizan su vida econ\u00f3mica, qu\u00e9 servicios combinan, qu\u00e9 tensiones enfrentan y c\u00f3mo esas din\u00e1micas afectan a m\u00faltiples sectores.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Con un ecosistema \u00fanico \u2014B2C, B2B y m\u00e1s de una d\u00e9cada de datos transaccionales\u2014 <a href=\"https:\/\/www.fintonic.com\/es-ES\/inicio\/\">Fintonic<\/a> tiene la oportunidad de liderar una nueva etapa del Open Finance intersectorial.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La semana pasada tuve la oportunidad de participar en la mesa redonda \u201cOpen Finance sin Fronteras: Nuevos Productos desde la Colaboraci\u00f3n Intersectorial\u201d, celebrada durante la Finance Week en Madrid. Fue una conversaci\u00f3n muy especial porque abordamos un tema que vivimos diariamente en Fintonic: c\u00f3mo la interoperabilidad entre sectores \u2014banca, fintech, retail, movilidad, telecomunicaciones\u2026\u2014 est\u00e1 impulsando [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":89388,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1356,693,1378,79],"tags":[],"class_list":["post-89385","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banca","category-finscore","category-openinsights","category-seguros"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Open Finance: del scoring al an\u00e1lisis competitivo multisectorial - Fintonic News<\/title>\n<meta name=\"description\" content=\"Descubre c\u00f3mo Open Finance transforma datos financieros en an\u00e1lisis multisectorial, optimizando decisiones y productos.\" \/>\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\/open-finance-del-scoring-al-analisis-competitivo-multisectorial\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Open Finance: del scoring al an\u00e1lisis competitivo multisectorial\" \/>\n<meta property=\"og:description\" content=\"Descubre c\u00f3mo Open Finance transforma datos financieros en an\u00e1lisis multisectorial, optimizando decisiones y productos.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fintonic.com\/blog\/open-finance-del-scoring-al-analisis-competitivo-multisectorial\/\" \/>\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=\"2025-11-27T12:17:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-17T11:27:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fintonic.com\/blog\/wp-content\/uploads\/2025\/11\/open-finance-del-scoring-al-analisis-competitivo-multisectorial.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Clara Echevarr\u00eda Zome\u00f1o\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\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=\"Clara Echevarr\u00eda Zome\u00f1o\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/open-finance-del-scoring-al-analisis-competitivo-multisectorial\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/open-finance-del-scoring-al-analisis-competitivo-multisectorial\\\/\"},\"author\":{\"name\":\"Clara Echevarr\u00eda Zome\u00f1o\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#\\\/schema\\\/person\\\/93d518c62bb3782607d1df7f76a73f2e\"},\"headline\":\"Open Finance: del scoring al an\u00e1lisis competitivo multisectorial\",\"datePublished\":\"2025-11-27T12:17:25+00:00\",\"dateModified\":\"2026-03-17T11:27:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/open-finance-del-scoring-al-analisis-competitivo-multisectorial\\\/\"},\"wordCount\":1053,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/open-finance-del-scoring-al-analisis-competitivo-multisectorial\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/open-finance-del-scoring-al-analisis-competitivo-multisectorial.jpg\",\"articleSection\":[\"Banca\",\"FinScore\",\"OpenInsights\",\"Seguros\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/open-finance-del-scoring-al-analisis-competitivo-multisectorial\\\/\",\"url\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/open-finance-del-scoring-al-analisis-competitivo-multisectorial\\\/\",\"name\":\"Open Finance: del scoring al an\u00e1lisis competitivo multisectorial - 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