{"id":118674,"date":"2022-07-17T11:00:00","date_gmt":"2022-07-17T16:00:00","guid":{"rendered":"https:\/\/cobertura360.mx\/?p=118674"},"modified":"2022-07-13T22:36:54","modified_gmt":"2022-07-14T03:36:54","slug":"bancos-discriminan-piel-morena-ofrecer-servicios-creditos-fintech-cash","status":"publish","type":"post","link":"https:\/\/cobertura360.mx\/2022\/07\/17\/negocios\/bancos-discriminan-piel-morena-ofrecer-servicios-creditos-fintech-cash\/","title":{"rendered":"Los bancos discriminan la piel morena al ofrecer cr\u00e9ditos: Fintech Cash"},"content":{"rendered":"\n

La industria financiera ejerce una gran discriminaci\u00f3n para otorgar algunos servicios como cr\u00e9ditos<\/strong>, dice Liliana Silva, experta en finanzas personales de la Fintech Cash Cash Pr\u00e9stamos.<\/p>\n\n\n\n

De acuerdo a los reportes anuales de inclusi\u00f3n financiera \u201cse reconocen plenamente los menores cr\u00e9ditos en zonas rurales<\/strong> y personas del sexo femenino\u201d, dijo Liliana Silva. <\/p>\n\n\n\n

Lee: Esta es la primera plataforma de crowdfunding inmobiliario del pa\u00eds en alcanzar los mil mdp en fondeados<\/a><\/strong><\/p>\n\n\n\n

La especialista a\u00f1ade que diversos estudios coinciden en que existen otros importantes sesgos de discriminaci\u00f3n financiera en M\u00e9xico \u201ccomo el color de la piel y edad: a las personas mayores de 60 a\u00f1os no se les otorgan cr\u00e9ditos personales<\/strong>, automotrices y tampoco hipotecarios\u201d, comenta la representante de Cash Cash Pr\u00e9stamos.<\/p>\n\n\n\n

En la banca comercial s\u00f3lo el 7.8 por ciento de la poblaci\u00f3n posee un cr\u00e9dito<\/strong>. Muchas solicitudes de pr\u00e9stamos son desde\u00f1adas, por lo que las personas deben recurrir a solicitar pr\u00e9stamos de familiares y amigos adem\u00e1s de otros instrumentos como casas de empe\u00f1o, tandas, cajas de ahorro y solicitudes a APP, dice Silva.<\/p>\n\n\n\n

En los \u00faltimos dos a\u00f1os vemos un crecimiento del sector Fintech en M\u00e9xico del 16 por ciento<\/strong>, por lo que ya suman 512 firmas y dentro de \u00e9ste el sector de pr\u00e9stamos es el que mayor crecimiento reporta. <\/p>\n\n\n\n

Sin embargo, son las que otorgan pr\u00e9stamos menores de cinco mil pesos<\/strong>, las llamadas \u201cbotiqu\u00edn de emergencia\u201d las que mayores demandan tienen de la poblaci\u00f3n desde\u00f1ada del sector financiero formal como personas que trabajan en el sector informal, freelancers, mipymes, adultos mayores, mujeres, personas que viven en zonas rurales \u201c\u00a1o que tienen piel morena!\u201d, asegura incr\u00e9dula Silva.<\/p>\n\n\n\n

Al mismo tiempo, la representante de Cash Cash Pr\u00e9stamos dice que en las APP de pr\u00e9stamos peque\u00f1os \u201cexiste un gran hackeo y otros delitos cibern\u00e9ticos como pishing o suplantaci\u00f3n de la APP<\/strong> a las que se les copian nombres, colores y otras caracter\u00edsticas tipogr\u00e1ficas\u201d.<\/p>\n\n\n\n

Te recomendamos: Los datos transaccionales son una nueva ventana de crecimiento para las fintech mexicanas: Finerio Connect<\/a><\/strong><\/p>\n\n\n\n

Tales Fintech no est\u00e1n registradas pues las Sociedades Financieras de Objeto M\u00faltiple deben otorgar pr\u00e9stamos mayores a diez mil pesos<\/strong>, de lo contrario no se registran como entidades autorizadas. \u201cEsto da pie a muchos abusos por parte del crimen organizado y delincuencia com\u00fan\u201d, asegura Silva.<\/p>\n\n\n\n

Por lo pronto, el sector financiero mexicano se convierte en uno de los que opera con mayor discriminaci\u00f3n<\/strong> y exclusi\u00f3n a los usuarios, finaliz\u00f3 la experta en finanzas personales.<\/p>\n\n\n\n

Lee m\u00e1s de Cobertura360<\/a><\/strong><\/p>\n\n\n","protected":false},"excerpt":{"rendered":"

el sector financiero mexicano se convierte en uno de los que opera con mayor discriminaci\u00f3n y exclusi\u00f3n a los usuarios. <\/p>\n","protected":false},"author":58,"featured_media":118721,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"dup_extra_author_meta":[],"footnotes":""},"categories":[4],"tags":[1192,172,2723,49831,188],"yoast_head":"\nLos bancos discriminan la piel morena al ofrecer cr\u00e9ditos: Fintech Cash • Cobertura 360<\/title>\n<meta name=\"description\" content=\"el sector financiero mexicano se convierte en uno de los que opera con mayor discriminaci\u00f3n y exclusi\u00f3n a los usuarios.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cobertura360.mx\/?p=118674\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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