La entrada de las bigtech en el negocio bancario: un análisis coste-beneficio

Resumen

La entrada de las bigtech puede transformar el negocio bancario de manera radical, en especial, los mercados de pagos y de crédito al consumo y a pymes. Aunque es de esperar que dicha entrada estimule la competencia en beneficio de los clientes de la banca minorista, también puede dar lugar a mercados crediticios aún más concentrados y aumentar la inestabilidad financiera. Que el resultado neto para la economía y, en particular, para los consumidores y las empresas sea positivo dependerá en buena medida de la actuación de reguladores y autoridades de competencia.

Palabras clave:

banca minorista, grandes plataformas tecnológicas, política de competencia, regulación bancaria

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