{"id":3985,"date":"2026-10-23T12:32:17","date_gmt":"2026-10-23T12:32:17","guid":{"rendered":"https:\/\/thinkupsoft.com\/blog\/?p=3985"},"modified":"2026-10-02T13:03:09","modified_gmt":"2026-10-02T13:03:09","slug":"medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion","status":"publish","type":"post","link":"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/","title":{"rendered":"Modernizaci\u00f3n de arquitectura financiera: C\u00f3mo acelerar el Time-to-Market sin comprometer la operaci\u00f3n"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3985\" class=\"elementor elementor-3985\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-514ae5cf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"514ae5cf\" 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-771d0d40\" data-id=\"771d0d40\" 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-9513f2e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"9513f2e\" 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 dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11pt; font-family: 'Helvetica Neue',sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">La velocidad de iteraci\u00f3n y la flexibilidad operativa se han consolidado como ventajas competitivas determinantes para bancos y fintechs en Am\u00e9rica Latina. No obstante, diversas instituciones tradicionales enfrentan un freno estructural interno: la acumulaci\u00f3n de deuda t\u00e9cnica y la rigidez de los n\u00facleos bancarios monol\u00edticos. Intentar lanzar nuevos productos o integrar herramientas avanzadas sobre sistemas legacy cerrados genera plazos de desarrollo extensos y costos de mantenimiento elevados. <\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"background-color: transparent; font-family: 'Helvetica Neue', sans-serif; font-size: 11pt; font-style: normal; font-weight: 400; white-space: pre-wrap;\">Superar esta limitaci\u00f3n exige desacoplar las capas de experiencia del usuario de la l\u00f3gica de procesamiento central. Mediante una infraestructura modular, los equipos de ingenier\u00eda y producto pueden construir, probar y desplegar componentes independientes sin alterar la estabilidad del core. Esta aproximaci\u00f3n acorta los ciclos de entrega, permite mantener procesos continuos de actualizaci\u00f3n y da paso a verdaderas plataformas vivas. Este enfoque t\u00e9cnico se alinea directamente con los hallazgos del &#8220;Innovation Playbook Banca Digital 2026-27&#8221;, el cual destaca que el foco estrat\u00e9gico de la industria se ha movido hacia la eficiencia operativa y el crecimiento rentable, ya que adquirir usuarios que no transaccionan se volvi\u00f3 insostenible y altamente costoso.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f04c68f elementor-widget elementor-widget-image\" data-id=\"f04c68f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-07-02-S2-IMAGEN-LAS-5-FUERZAS-Crecimiento-rentable-1024x1024.png\" class=\"attachment-large size-large wp-image-4001\" alt=\"\" srcset=\"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-07-02-S2-IMAGEN-LAS-5-FUERZAS-Crecimiento-rentable-1024x1024.png 1024w, https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-07-02-S2-IMAGEN-LAS-5-FUERZAS-Crecimiento-rentable-300x300.png 300w, https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-07-02-S2-IMAGEN-LAS-5-FUERZAS-Crecimiento-rentable-150x150.png 150w, https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-07-02-S2-IMAGEN-LAS-5-FUERZAS-Crecimiento-rentable-768x768.png 768w, https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-07-02-S2-IMAGEN-LAS-5-FUERZAS-Crecimiento-rentable-24x24.png 24w, https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-07-02-S2-IMAGEN-LAS-5-FUERZAS-Crecimiento-rentable-48x48.png 48w, https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-07-02-S2-IMAGEN-LAS-5-FUERZAS-Crecimiento-rentable-96x96.png 96w, https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-07-02-S2-IMAGEN-LAS-5-FUERZAS-Crecimiento-rentable.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e277e4c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e277e4c\" 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 dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11pt; font-family: 'Helvetica Neue',sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Habilitar el ecosistema mediante arquitectura abierta<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11pt; font-family: 'Helvetica Neue',sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">El crecimiento sostenido en la era de la banca integrada requiere conectar capacidades con terceros, procesadores de pago y plataformas de an\u00e1lisis en tiempo real. La implementaci\u00f3n de una arquitectura abierta basada en APIs no solo facilita el cumplimiento de los est\u00e1ndares regionales, sino que transforma la aplicaci\u00f3n m\u00f3vil en un centro de servicios diversificado y escalable.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11pt; font-family: 'Helvetica Neue',sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">El Innovation Playbook Banca Digital 2026-27 identifica a las finanzas invisibles, impulsadas por el Embedded Finance y el Open Finance, como una de las cinco fuerzas que redefinen el ecosistema financiero. Sobre esta evoluci\u00f3n, el reporte detalla:<\/span><\/p>\n<ul style=\"margin-top: 0; margin-bottom: 0; padding-inline-start: 48px;\">\n<li dir=\"ltr\" style=\"list-style-type: disc; font-size: 11pt; font-family: 'Helvetica Neue',sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 0pt;\" role=\"presentation\"><span style=\"font-size: 11pt; font-family: 'Helvetica Neue',sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Los servicios financieros salen de la app para integrarse directamente en los espacios y plataformas donde las personas ya viven, compran y operan.<\/span><\/p><\/li><li dir=\"ltr\" style=\"list-style-type: disc; font-size: 11pt; font-family: 'Helvetica Neue',sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre;\" aria-level=\"1\"><p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\" role=\"presentation\"><span style=\"font-size: 11pt; font-family: 'Helvetica Neue',sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">La evoluci\u00f3n del Open Finance potencia este movimiento al permitir nutrir perfiles de cliente 360 grados y agilizar procesos cr\u00edticos como el onboarding.<\/span><\/p><\/li><\/ul><p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11pt; font-family: 'Helvetica Neue',sans-serif; color: #000000; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Esta flexibilidad t\u00e9cnica permite incorporar servicios financieros en la rutina diaria del usuario de manera fluida, optimizando la captura de dep\u00f3sitos y el rendimiento transaccional mediante una UX funcional que elimina fricciones en la operaci\u00f3n diaria.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-size: 11pt; font-family: 'Helvetica Neue',sans-serif; color: #000000; background-color: transparent; font-weight: bold; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;\">Eficiencia operativa y escalabilidad continua<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"background-color: transparent; font-family: 'Helvetica Neue', sans-serif; font-size: 11pt; font-style: normal; font-weight: 400; white-space: pre-wrap;\">Modernizar la infraestructura tecnol\u00f3gica debe abordarse mediante un proceso evolutivo por fases que resguarde la continuidad del negocio. Dise\u00f1ar plataformas bajo criterios s\u00f3lidos de ingenier\u00eda y resiliencia asegura que la soluci\u00f3n soporte vol\u00famenes crecientes de transacciones en tiempo real con una latencia m\u00ednima. El informe subraya que para casi 9 de cada 10 referentes del sector (87,7%), la rentabilidad y la eficiencia operativa se ubican hoy en el centro absoluto de la agenda estrat\u00e9gica.<\/span><\/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 data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-ee8ec53 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee8ec53\" 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-71cb045\" data-id=\"71cb045\" 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-04e4d1d elementor-widget elementor-widget-image\" data-id=\"04e4d1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-05-S1-IMAGEN-DATO-DESTACADO-88-01-1024x1024.png\" class=\"attachment-large size-large wp-image-4002\" alt=\"\" srcset=\"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-05-S1-IMAGEN-DATO-DESTACADO-88-01-1024x1024.png 1024w, https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-05-S1-IMAGEN-DATO-DESTACADO-88-01-300x300.png 300w, https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-05-S1-IMAGEN-DATO-DESTACADO-88-01-150x150.png 150w, https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-05-S1-IMAGEN-DATO-DESTACADO-88-01-768x768.png 768w, https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-05-S1-IMAGEN-DATO-DESTACADO-88-01-24x24.png 24w, https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-05-S1-IMAGEN-DATO-DESTACADO-88-01-48x48.png 48w, https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-05-S1-IMAGEN-DATO-DESTACADO-88-01-96x96.png 96w, https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/Post-05-S1-IMAGEN-DATO-DESTACADO-88-01.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdce0ac elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"bdce0ac\" 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 dir=\"ltr\" style=\"line-height:1.38;margin-top:0pt;margin-bottom:12pt;\"><span style=\"font-size:11pt;font-family:'Helvetica Neue',sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;\">En un mercado donde la preferencia del usuario es din\u00e1mica, la capacidad de desplegar mejoras operativas de forma constante marca la diferencia entre liderar el sector o perder cuota de mercado. La estructura tecnol\u00f3gica deja de ser un tema exclusivamente t\u00e9cnico para posicionarse como un pilar estrat\u00e9gico de crecimiento corporativo.<\/span><\/p>\n<p dir=\"ltr\" style=\"line-height: 1.38; margin-top: 0pt; margin-bottom: 12pt;\"><span style=\"font-weight:normal;\"><\/span><\/p>\n<p dir=\"ltr\" style=\"line-height:1.38;margin-top:0pt;margin-bottom:12pt;\"><span style=\"font-weight:normal;\"><span style=\"font-size: 11pt; font-family: &quot;Helvetica Neue&quot;, sans-serif; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; white-space: pre-wrap;\">Descarg\u00e1 el<\/span><\/span><a href=\"http:\/\/\ud83d\udce5 Descarg\u00e1 el Innovation Playbook Banca Digital 2026-27 completo y conoc\u00e9 las decisiones que definen el crecimiento rentable en la regi\u00f3n:\" target=\"_blank\"> Innovation Playbook Banca Digital 2026-27<\/a><span style=\"font-weight:normal;\"><span style=\"font-size: 11pt; font-family: &quot;Helvetica Neue&quot;, sans-serif; background-color: transparent; font-weight: 400; font-style: normal; font-variant: normal; white-space: pre-wrap;\"> completo y conoc\u00e9 las decisiones que definen el crecimiento rentable en la regi\u00f3n.<\/span><\/span><\/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>La velocidad de iteraci\u00f3n y la flexibilidad operativa se han consolidado como ventajas competitivas determinantes para bancos y fintechs en Am\u00e9rica Latina. No obstante, diversas instituciones tradicionales enfrentan un freno estructural interno: la acumulaci\u00f3n de deuda t\u00e9cnica y la rigidez de los n\u00facleos bancarios monol\u00edticos. Intentar lanzar nuevos productos o integrar herramientas avanzadas sobre sistemas [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3998,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"_monsterinsights_skip_tracking":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[140,171,132,79,138,191],"tags":[155,211],"class_list":["post-3985","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-app-development-es","category-blog-es","category-casos-de-exito","category-fintech-es","category-ia","category-whitepaper","tag-ia","tag-latinoamerica-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Solo 2 de cada 5 bancos alcanzan la madurez en personalizaci\u00f3n<\/title>\n<meta name=\"description\" content=\"Durante a\u00f1os, el sector financiero ha hablado de personalizaci\u00f3n. Sin embargo, la realidad muestra que la promesa sigue sin cumplirse.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Solo 2 de cada 5 bancos alcanzan la madurez en personalizaci\u00f3n\" \/>\n<meta property=\"og:description\" content=\"Durante a\u00f1os, el sector financiero ha hablado de personalizaci\u00f3n. Sin embargo, la realidad muestra que la promesa sigue sin cumplirse.\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/\" \/>\n<meta property=\"og:site_name\" content=\"ThinkUp\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-23T12:32:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/BANNERS-THINKUP-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2240\" \/>\n\t<meta property=\"og:image:height\" content=\"1260\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Mauro Taroco\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mauro Taroco\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/\"},\"author\":{\"name\":\"Mauro Taroco\",\"@id\":\"https:\/\/thinkupsoft.com\/blog\/#\/schema\/person\/3a47b18809991653b45e99a3c378aaf7\"},\"headline\":\"Modernizaci\u00f3n de arquitectura financiera: C\u00f3mo acelerar el Time-to-Market sin comprometer la operaci\u00f3n\",\"datePublished\":\"2026-10-23T12:32:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/\"},\"wordCount\":555,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/thinkupsoft.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/BANNERS-THINKUP-1.png\",\"keywords\":[\"IA\",\"Latinoam\u00e9rica\"],\"articleSection\":[\"App Development\",\"Blog\",\"Casos de \u00c9xito\",\"Fintech\",\"IA\",\"whitepaper\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/\",\"url\":\"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/\",\"name\":\"Solo 2 de cada 5 bancos alcanzan la madurez en personalizaci\u00f3n\",\"isPartOf\":{\"@id\":\"https:\/\/thinkupsoft.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/BANNERS-THINKUP-1.png\",\"datePublished\":\"2026-10-23T12:32:17+00:00\",\"description\":\"Durante a\u00f1os, el sector financiero ha hablado de personalizaci\u00f3n. Sin embargo, la realidad muestra que la promesa sigue sin cumplirse.\u00a0\",\"breadcrumb\":{\"@id\":\"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/#primaryimage\",\"url\":\"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/BANNERS-THINKUP-1.png\",\"contentUrl\":\"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/BANNERS-THINKUP-1.png\",\"width\":2240,\"height\":1260},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/thinkupsoft.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Modernizaci\u00f3n de arquitectura financiera: C\u00f3mo acelerar el Time-to-Market sin comprometer la operaci\u00f3n\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/thinkupsoft.com\/blog\/#website\",\"url\":\"https:\/\/thinkupsoft.com\/blog\/\",\"name\":\"ThinkUp\",\"description\":\"App Development: Industry trends, expert insights &amp; all things mobile\",\"publisher\":{\"@id\":\"https:\/\/thinkupsoft.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/thinkupsoft.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/thinkupsoft.com\/blog\/#organization\",\"name\":\"ThinkUp\",\"url\":\"https:\/\/thinkupsoft.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/thinkupsoft.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2021\/11\/image_2021_11_23T18_15_30_887Z.png\",\"contentUrl\":\"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2021\/11\/image_2021_11_23T18_15_30_887Z.png\",\"width\":163,\"height\":53,\"caption\":\"ThinkUp\"},\"image\":{\"@id\":\"https:\/\/thinkupsoft.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/instagram.com\/thinkup.soft\",\"https:\/\/www.linkedin.com\/company\/thinkupsoft\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/thinkupsoft.com\/blog\/#\/schema\/person\/3a47b18809991653b45e99a3c378aaf7\",\"name\":\"Mauro Taroco\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/thinkupsoft.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2021\/10\/mauro-2-96x96.jpg\",\"contentUrl\":\"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2021\/10\/mauro-2-96x96.jpg\",\"caption\":\"Mauro Taroco\"},\"description\":\"Mauro is the CEO and Co-founder of ThinkUp. His passion for innovation and technology led to the creation of ThinkUp, which provides innovative mobile solutions for a wide range of industries. When not busy driving the success of ThinkUp, you can find him riding the waves on their surfboard or nurturing their vegetable garden.\",\"url\":\"https:\/\/thinkupsoft.com\/blog\/author\/mauro-taroco\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Solo 2 de cada 5 bancos alcanzan la madurez en personalizaci\u00f3n","description":"Durante a\u00f1os, el sector financiero ha hablado de personalizaci\u00f3n. Sin embargo, la realidad muestra que la promesa sigue sin cumplirse.\u00a0","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:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/","og_locale":"en_US","og_type":"article","og_title":"Solo 2 de cada 5 bancos alcanzan la madurez en personalizaci\u00f3n","og_description":"Durante a\u00f1os, el sector financiero ha hablado de personalizaci\u00f3n. Sin embargo, la realidad muestra que la promesa sigue sin cumplirse.\u00a0","og_url":"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/","og_site_name":"ThinkUp","article_published_time":"2026-10-23T12:32:17+00:00","og_image":[{"width":2240,"height":1260,"url":"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/BANNERS-THINKUP-1.png","type":"image\/png"}],"author":"Mauro Taroco","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Mauro Taroco","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/#article","isPartOf":{"@id":"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/"},"author":{"name":"Mauro Taroco","@id":"https:\/\/thinkupsoft.com\/blog\/#\/schema\/person\/3a47b18809991653b45e99a3c378aaf7"},"headline":"Modernizaci\u00f3n de arquitectura financiera: C\u00f3mo acelerar el Time-to-Market sin comprometer la operaci\u00f3n","datePublished":"2026-10-23T12:32:17+00:00","mainEntityOfPage":{"@id":"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/"},"wordCount":555,"commentCount":0,"publisher":{"@id":"https:\/\/thinkupsoft.com\/blog\/#organization"},"image":{"@id":"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/#primaryimage"},"thumbnailUrl":"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/BANNERS-THINKUP-1.png","keywords":["IA","Latinoam\u00e9rica"],"articleSection":["App Development","Blog","Casos de \u00c9xito","Fintech","IA","whitepaper"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/","url":"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/","name":"Solo 2 de cada 5 bancos alcanzan la madurez en personalizaci\u00f3n","isPartOf":{"@id":"https:\/\/thinkupsoft.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/#primaryimage"},"image":{"@id":"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/#primaryimage"},"thumbnailUrl":"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/BANNERS-THINKUP-1.png","datePublished":"2026-10-23T12:32:17+00:00","description":"Durante a\u00f1os, el sector financiero ha hablado de personalizaci\u00f3n. Sin embargo, la realidad muestra que la promesa sigue sin cumplirse.\u00a0","breadcrumb":{"@id":"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/#primaryimage","url":"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/BANNERS-THINKUP-1.png","contentUrl":"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2026\/10\/BANNERS-THINKUP-1.png","width":2240,"height":1260},{"@type":"BreadcrumbList","@id":"https:\/\/thinkupsoft.com\/blog\/es\/medir-el-valor-real-en-banca-digital-mas-alla-de-las-descargas-y-el-costo-por-instalacion\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/thinkupsoft.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Modernizaci\u00f3n de arquitectura financiera: C\u00f3mo acelerar el Time-to-Market sin comprometer la operaci\u00f3n"}]},{"@type":"WebSite","@id":"https:\/\/thinkupsoft.com\/blog\/#website","url":"https:\/\/thinkupsoft.com\/blog\/","name":"ThinkUp","description":"App Development: Industry trends, expert insights &amp; all things mobile","publisher":{"@id":"https:\/\/thinkupsoft.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/thinkupsoft.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/thinkupsoft.com\/blog\/#organization","name":"ThinkUp","url":"https:\/\/thinkupsoft.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/thinkupsoft.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2021\/11\/image_2021_11_23T18_15_30_887Z.png","contentUrl":"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2021\/11\/image_2021_11_23T18_15_30_887Z.png","width":163,"height":53,"caption":"ThinkUp"},"image":{"@id":"https:\/\/thinkupsoft.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/instagram.com\/thinkup.soft","https:\/\/www.linkedin.com\/company\/thinkupsoft"]},{"@type":"Person","@id":"https:\/\/thinkupsoft.com\/blog\/#\/schema\/person\/3a47b18809991653b45e99a3c378aaf7","name":"Mauro Taroco","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/thinkupsoft.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2021\/10\/mauro-2-96x96.jpg","contentUrl":"https:\/\/thinkupsoft.com\/blog\/wp-content\/uploads\/2021\/10\/mauro-2-96x96.jpg","caption":"Mauro Taroco"},"description":"Mauro is the CEO and Co-founder of ThinkUp. His passion for innovation and technology led to the creation of ThinkUp, which provides innovative mobile solutions for a wide range of industries. When not busy driving the success of ThinkUp, you can find him riding the waves on their surfboard or nurturing their vegetable garden.","url":"https:\/\/thinkupsoft.com\/blog\/author\/mauro-taroco\/"}]}},"_links":{"self":[{"href":"https:\/\/thinkupsoft.com\/blog\/wp-json\/wp\/v2\/posts\/3985","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thinkupsoft.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thinkupsoft.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thinkupsoft.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/thinkupsoft.com\/blog\/wp-json\/wp\/v2\/comments?post=3985"}],"version-history":[{"count":17,"href":"https:\/\/thinkupsoft.com\/blog\/wp-json\/wp\/v2\/posts\/3985\/revisions"}],"predecessor-version":[{"id":4008,"href":"https:\/\/thinkupsoft.com\/blog\/wp-json\/wp\/v2\/posts\/3985\/revisions\/4008"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thinkupsoft.com\/blog\/wp-json\/wp\/v2\/media\/3998"}],"wp:attachment":[{"href":"https:\/\/thinkupsoft.com\/blog\/wp-json\/wp\/v2\/media?parent=3985"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thinkupsoft.com\/blog\/wp-json\/wp\/v2\/categories?post=3985"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thinkupsoft.com\/blog\/wp-json\/wp\/v2\/tags?post=3985"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}