{"id":58524,"date":"2022-04-08T10:24:36","date_gmt":"2022-04-08T08:24:36","guid":{"rendered":"https:\/\/blog.euncet.com\/?p=58524"},"modified":"2023-06-07T18:34:08","modified_gmt":"2023-06-07T16:34:08","slug":"que-son-empreses-fintech","status":"publish","type":"post","link":"https:\/\/www.euncet.com\/blog\/ca\/que-son-empreses-fintech\/","title":{"rendered":"Qu\u00e8 s\u00f3n les Empreses Fintech i com funcionen?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\"><span class=\"TextRun Highlight SCXW39353868 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW39353868 BCX0\">Les empreses <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW39353868 BCX0\">fintech<\/span><span class=\"NormalTextRun SCXW39353868 BCX0\"> han arribat per a fer un gir 180 graus al sector de les finances tradicionals. El seu creixement exponencial est\u00e0 fent que la<\/span><\/span><strong><span class=\"TextRun Highlight SCXW39353868 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW39353868 BCX0\"> banca tradicional <\/span><\/span><\/strong><span class=\"TextRun Highlight SCXW39353868 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW39353868 BCX0\">les situ\u00ef com a referent a seguir per a la seva adaptaci\u00f3 a les noves necessitats digitals.<\/span><span class=\"NormalTextRun SCXW39353868 BCX0\"> Per\u00f2, qu\u00e8 les fa tan disruptives?<\/span><\/span><span class=\"EOP SCXW39353868 BCX0\" data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/span><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdNDEX DE CONTINGUTS<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #222222;color:#222222\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #222222;color:#222222\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.euncet.com\/blog\/ca\/que-son-empreses-fintech\/#Origen_de_les_Fintech\" >Origen de les Fintech\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.euncet.com\/blog\/ca\/que-son-empreses-fintech\/#Quins_beneficis_aporten_les_empreses_fintech\" >Quins beneficis aporten les empreses fintech?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.euncet.com\/blog\/ca\/que-son-empreses-fintech\/#Principals_beneficis\" >Principals beneficis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.euncet.com\/blog\/ca\/que-son-empreses-fintech\/#Fintech_i_banca_tradicional\" >Fintech i banca tradicional<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.euncet.com\/blog\/ca\/que-son-empreses-fintech\/#Quins_tipus_dempreses_fintech_dinnovacio_financera_existeixen\" >Quins tipus d&#8217;empreses fintech d&#8217;innovaci\u00f3 financera existeixen?\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.euncet.com\/blog\/ca\/que-son-empreses-fintech\/#Empreses_de_finances\" >Empreses de finances<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.euncet.com\/blog\/ca\/que-son-empreses-fintech\/#Empreses_de_pagaments_electronics\" >Empreses de pagaments electr\u00f2nics<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.euncet.com\/blog\/ca\/que-son-empreses-fintech\/#Empreses_de_criptomonedes\" >Empreses de criptomonedes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.euncet.com\/blog\/ca\/que-son-empreses-fintech\/#Empreses_de_micromecenatge\" >Empreses de micromecenatge<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.euncet.com\/blog\/ca\/que-son-empreses-fintech\/#Empreses_dinversio_online\" >Empreses d&#8217;inversi\u00f3 online<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.euncet.com\/blog\/ca\/que-son-empreses-fintech\/#Banca_Online\" >Banca Online<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.euncet.com\/blog\/ca\/que-son-empreses-fintech\/#Exemples_de_startup_fintech_a_Espanya\" >Exemples de startup fintech a Espanya\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n\n<h3><span style=\"font-weight: 400;\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-49644 aligncenter\" src=\"https:\/\/blog.euncet.com\/wp-content\/uploads\/2021\/04\/origen-fintech.png\" alt=\"Las empresas Fintech aplican los avances tecnol\u00f3gicos a las finanzas.\" width=\"750\" height=\"300\" srcset=\"https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/origen-fintech.png 750w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/origen-fintech-300x120.png 300w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/origen-fintech-80x32.png 80w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/span><\/h3>\n<h2><span class=\"ez-toc-section\" id=\"Origen_de_les_Fintech\"><\/span><span class=\"TextRun SCXW97022457 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW97022457 BCX0\" data-ccp-parastyle=\"heading 2\">Origen de les <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW97022457 BCX0\" data-ccp-parastyle=\"heading 2\">Fintech<\/span><\/span><span class=\"EOP SCXW97022457 BCX0\" data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:360,&quot;335559739&quot;:80}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"none\">Fintech \u00e9s un concepte que <\/span><b><span data-contrast=\"none\">prov\u00e9 de la contracci\u00f3 de les paraules angleses<\/span><\/b> <b><span data-contrast=\"none\">Finance and Technology<\/span><\/b><span data-contrast=\"none\">, per a definir a les <\/span><b><span data-contrast=\"none\">empreses de tecnologies financeres<\/span><\/b><span data-contrast=\"none\">. El seu \u00e8xit radica en<\/span><b><span data-contrast=\"none\"> l&#8217;\u00fas de les tecnologies i la innovaci\u00f3 en la prestaci\u00f3 de productes i serveis financers<\/span><\/b><span data-contrast=\"none\">. Aquestes empreses es basen en les tecnologies de les TIC\u2019s i la Big Data per a<\/span><b><span data-contrast=\"none\"> millorar l&#8217;experi\u00e8ncia de l&#8217;usuari <\/span><\/b><span data-contrast=\"none\">a trav\u00e9s de noves idees que re-formulin la forma en la qual es presten serveis financers.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Encara que cada vegada es van <\/span><b><span data-contrast=\"none\">estenent m\u00e9s al voltant del m\u00f3n, l<\/span><\/b><span data-contrast=\"none\">es fintech tenen el seu origen al Regne Unit. El terme com a tal <\/span><b><span data-contrast=\"none\">va sorgir en la d\u00e8cada de 1980<\/span><\/b><span data-contrast=\"none\">, per\u00f2 no va ser fins a la crisi financera mundial de 2007-2008 quan es va comen\u00e7ar a utilitzar professionalment.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"size-full wp-image-49647 aligncenter\" src=\"https:\/\/blog.euncet.com\/wp-content\/uploads\/2021\/04\/beneficios-fintech.png\" alt=\"Los beneficios que aportan las empresas Fintech.\" width=\"750\" height=\"300\" srcset=\"https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/beneficios-fintech.png 750w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/beneficios-fintech-300x120.png 300w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/beneficios-fintech-80x32.png 80w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Quins_beneficis_aporten_les_empreses_fintech\"><\/span><span style=\"font-weight: 400;\">Quins beneficis aporten les empreses fintech?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"none\">Despr\u00e9s de les \u00faltimes crisis econ\u00f2miques, la poblaci\u00f3 s&#8217;ha desencantat de les entitats banc\u00e0ries. La mala praxi del sector financer va tenir grans repercussions en el dia a dia de la societat. A m\u00e9s, l&#8217;intent fallit de les classes pol\u00edtiques per salvar a la banca tamb\u00e9 va alimentar aquesta p\u00e8rdua de confian\u00e7a ciutadana.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Davant tal situaci\u00f3, <\/span><b><span data-contrast=\"none\">les fintech han suposat un abans i un despr\u00e9s per a les plataformes de finan\u00e7ament i pr\u00e9stecs personals.<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Ja no \u00e9s necessari comptar amb el suport de la banca tradicional per a poder arrencar qualsevol projecte empresarial. <\/span><\/b><span data-contrast=\"none\">Existeixen models de negoci basats en les tecnologies financeres que faciliten als usuaris realitzar qualsevol mena d&#8217;activitat financera des d&#8217;un dispositiu m\u00f2bil, per exemple.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Principals_beneficis\"><\/span><span style=\"font-weight: 400;\">Principals beneficis<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li data-leveltext=\"\u25cf\" data-font=\"Open Sans\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\"><strong>Estalvi i efici\u00e8ncia.<\/strong> L&#8217;automatitzaci\u00f3 de les gestions ajuda a una millor efici\u00e8ncia empresarial tant en costos com en temps.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25cf\" data-font=\"Open Sans\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\"><strong>Flexibilitat.<\/strong> S&#8217;agiliten els fluxos de treball i l&#8217;acc\u00e9s a les dades, aix\u00ed com la realitzaci\u00f3 d&#8217;operacions financeres: es poden fer des de qualsevol dispositiu i en qualsevol moment.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25cf\" data-font=\"Open Sans\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\"><strong>Transpar\u00e8ncia.<\/strong> Permet una gesti\u00f3 r\u00e0pida i transparent de l&#8217;empresa.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"size-full wp-image-49650 aligncenter\" src=\"https:\/\/blog.euncet.com\/wp-content\/uploads\/2021\/04\/Fintech-y-banca-tradicional.png\" alt=\"Tipos de empresas Fintech y sus aportes a la banca tradicional.\" width=\"750\" height=\"300\" srcset=\"https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Fintech-y-banca-tradicional.png 750w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Fintech-y-banca-tradicional-300x120.png 300w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Fintech-y-banca-tradicional-80x32.png 80w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Fintech_i_banca_tradicional\"><\/span><span style=\"font-weight: 400;\">Fintech i banca tradicional<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"none\">Les fintech <strong>poden ser grans socis per a les institucions financeres tradicionals<\/strong>:<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:720}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\u25cf\" data-font=\"Open Sans\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">L&#8217;aplicaci\u00f3 de la tecnologia fintech pot <\/span><b><span data-contrast=\"none\">ajudar a millorar el rendiment i rendibilitat de la banca tradicional.<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25cf\" data-font=\"Open Sans\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Millora de l&#8217;experi\u00e8ncia i prefer\u00e8ncia dels clients gr\u00e0cies a la Big Data<\/span><\/b><span data-contrast=\"none\">. Tamb\u00e9 contribueix al fet que els clients tinguin <\/span><b><span data-contrast=\"none\">una visi\u00f3 m\u00e9s clara del que succeeix amb els seus comptes i actius.<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25cf\" data-font=\"Open Sans\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">Augmenta la<\/span><b><span data-contrast=\"none\"> diversificaci\u00f3 de la cartera de pr\u00e9stecs oferint productes que s&#8217;ajusten millor<\/span><\/b><span data-contrast=\"none\"> a les necessitats dels consumidors.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25cf\" data-font=\"Open Sans\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Facilitats en activitats financeres <\/span><\/b><span data-contrast=\"none\">com a transfer\u00e8ncies econ\u00f2miques, gesti\u00f3 de pr\u00e9stecs en l\u00ednia r\u00e0pids, serveis de pagaments en l\u00ednia\u2026<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25cf\" data-font=\"Open Sans\" data-listid=\"4\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Servei m\u00e9s eficient en internet,<\/span><\/b><span data-contrast=\"none\"> la qual cosa permet <\/span><b><span data-contrast=\"none\">menys comissions <\/span><\/b><span data-contrast=\"none\">que amb els sistemes tradicionals bancaris.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-49653 aligncenter\" src=\"https:\/\/blog.euncet.com\/wp-content\/uploads\/2021\/04\/Que-tipos-de-empresas-fintech-de-innovacion-financiera-existen.png\" alt=\"Empresas Fintech: el presente y futuro de la innovaci\u00f3n financiera.\" width=\"750\" height=\"300\" srcset=\"https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Que-tipos-de-empresas-fintech-de-innovacion-financiera-existen.png 750w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Que-tipos-de-empresas-fintech-de-innovacion-financiera-existen-300x120.png 300w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Que-tipos-de-empresas-fintech-de-innovacion-financiera-existen-80x32.png 80w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/span><\/h3>\n<h2><span class=\"ez-toc-section\" id=\"Quins_tipus_dempreses_fintech_dinnovacio_financera_existeixen\"><\/span><span class=\"TextRun Highlight SCXW62582490 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW62582490 BCX0\" data-ccp-parastyle=\"heading 2\">Quins tipus d&#8217;empreses <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW62582490 BCX0\" data-ccp-parastyle=\"heading 2\">fintech<\/span><span class=\"NormalTextRun SCXW62582490 BCX0\" data-ccp-parastyle=\"heading 2\"> d&#8217;inn<\/span><span class=\"NormalTextRun SCXW62582490 BCX0\" data-ccp-parastyle=\"heading 2\">ovaci\u00f3 financera existeixen?<\/span><\/span><span class=\"EOP SCXW62582490 BCX0\" data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:360,&quot;335559739&quot;:80}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span class=\"TextRun Highlight SCXW230650468 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW230650468 BCX0\">L&#8217;<strong>\u00fas de les <\/strong><\/span><strong><span class=\"NormalTextRun SpellingErrorV2Themed SCXW230650468 BCX0\">tecnofinances<\/span><\/strong><span class=\"NormalTextRun SCXW230650468 BCX0\"><strong> o tecnologies financeres \u00e9s aplicable a moltes \u00e0rees i sectors<\/strong>. A continuaci\u00f3<\/span><span class=\"NormalTextRun SCXW230650468 BCX0\">, t\u2019ensenyarem<\/span><span class=\"NormalTextRun SCXW230650468 BCX0\"> alguns d&#8217;ells:<\/span><\/span><span class=\"EOP SCXW230650468 BCX0\" data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/span><\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-49656 aligncenter\" src=\"https:\/\/blog.euncet.com\/wp-content\/uploads\/2021\/04\/Finanzas.png\" alt=\"Empresas Fintech: asesoramiento financiero y gesti\u00f3n de finanzas a grandes empresas, pymes y finanzas personales.\" width=\"750\" height=\"300\" srcset=\"https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Finanzas.png 750w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Finanzas-300x120.png 300w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Finanzas-80x32.png 80w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"Empreses_de_finances\"><\/span><span style=\"font-weight: 400;\">Empreses de finances<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span class=\"TextRun Highlight SCXW210305588 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW210305588 BCX0\">Aquest tipus d&#8217;empreses s&#8217;encarrega del <\/span><\/span><strong><span class=\"TextRun Highlight SCXW210305588 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW210305588 BCX0\">suport i assessorament finan<\/span><span class=\"NormalTextRun SCXW210305588 BCX0\">cer a grans, mitjanes i petites empreses<\/span><\/span><\/strong><span class=\"TextRun Highlight SCXW210305588 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW210305588 BCX0\">, aix\u00ed com a <\/span><\/span><span class=\"TextRun Highlight SCXW210305588 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW210305588 BCX0\">la <strong>gesti\u00f3 de finances personals a trav\u00e9s de p\u00e0gines web<\/strong><\/span><\/span><span class=\"TextRun Highlight SCXW210305588 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW210305588 BCX0\"> i <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW210305588 BCX0\">apps<\/span><span class=\"NormalTextRun SCXW210305588 BCX0\"> especialitzades.<\/span><\/span><span class=\"EOP SCXW210305588 BCX0\" data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-49659 aligncenter\" src=\"https:\/\/blog.euncet.com\/wp-content\/uploads\/2021\/04\/Empresas-de-pagos-electronicos.png\" alt=\"\" width=\"750\" height=\"300\" srcset=\"https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Empresas-de-pagos-electronicos.png 750w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Empresas-de-pagos-electronicos-300x120.png 300w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Empresas-de-pagos-electronicos-80x32.png 80w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"Empreses_de_pagaments_electronics\"><\/span><span style=\"font-weight: 400;\">Empreses de pagaments electr\u00f2nics<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"none\">Les empreses de pagaments electr\u00f2nics, <\/span><b><span data-contrast=\"none\">conegudes tamb\u00e9 com a passarel\u00b7les de pagament<\/span><\/b><span data-contrast=\"none\">, s\u00f3n eines amb les quals es <\/span><b><span data-contrast=\"none\">poden autoritzar pagaments en un lloc web o aplicaci\u00f3 de tel\u00e8fon.<\/span><\/b><span data-contrast=\"none\"> Compten amb una <\/span><b><span data-contrast=\"none\">estructura inform\u00e0tica que assegura les transaccions econ\u00f2miques, abonaments i compres en comer\u00e7os electr\u00f2nics<\/span><\/b><span data-contrast=\"none\">. Permet una comunicaci\u00f3 fluida entre les empreses i les entitats banc\u00e0ries.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Un altre dels beneficis que ofereix aquest tipus d&#8217;empreses \u00e9s que <\/span><b><span data-contrast=\"none\">les transaccions es poden realitzar des dels mateixos dispositius m\u00f2bils<\/span><\/b><span data-contrast=\"none\">. Algunes de les empreses de pagaments electr\u00f2nics m\u00e9s importants s\u00f3n: <a href=\"https:\/\/www.paypal.com\/us\/webapps\/mpp\/payflow-payment-gateway\" target=\"_blank\" rel=\"noopener noreferrer\">Paypal<\/a>, <a href=\"https:\/\/pay.amazon.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">AmazonPay<\/a> i <a href=\"https:\/\/stripe.com\/es-us\" target=\"_blank\" rel=\"noopener noreferrer\">Stripe<\/a>.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><b><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-49662 aligncenter\" src=\"https:\/\/blog.euncet.com\/wp-content\/uploads\/2021\/04\/Empresas-de-criptomonedas.png\" alt=\"Las Empresas Fintech y su relaci\u00f3n con las criptomonedas.\" width=\"750\" height=\"300\" srcset=\"https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Empresas-de-criptomonedas.png 750w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Empresas-de-criptomonedas-300x120.png 300w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Empresas-de-criptomonedas-80x32.png 80w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Empreses_de_criptomonedes\"><\/span><span style=\"font-weight: 400;\">Empreses de criptomonedes<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"none\">Les criptomonedes o monedes virtuals s\u00f3n una<\/span><b><span data-contrast=\"none\"> divisa alternativa que s&#8217;est\u00e0 posicionant com a nou m\u00e8tode de pagament descentralitzat dels bancs comercials.<\/span><\/b><span data-contrast=\"none\"> Es caracteritzen per secundar-se en la criptografia i en les tecnologies de registres distribu\u00efts, com el blockchain.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Cada vegada \u00e9s m\u00e9s com\u00fa veure un<\/span><b><span data-contrast=\"none\"> increment en l&#8217;\u00fas i inversi\u00f3 en aquestes divises digitals.<\/span><\/b><span data-contrast=\"none\"> Els actius s\u00f3n en l\u00ednia, per la qual cosa n<\/span><b><span data-contrast=\"none\">o existeixen ni bitllets ni monedes f\u00edsiques<\/span><\/b><span data-contrast=\"none\">. Malgrat aix\u00f2, <\/span><b><span data-contrast=\"none\">aquestes noves divises garanteixen la seguretat, integritat i equilibri dels seus estats de compte.<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Algunes empreses ja estan comen\u00e7ant a acceptar aquestes monedes virtuals com a m\u00e8tode de pagament per als seus serveis i productes.<\/span><\/b><span data-contrast=\"none\"> Malgrat els avantatges que ofereix, encara existeix gran controv\u00e8rsia respecte a si ha de ser de control descentralitzat o si ha de passar pels bancs centrals o altres entitats banc\u00e0ries.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">Algunes de les criptomonedes m\u00e9s populars s\u00f3n<\/span><\/b><span data-contrast=\"none\">: <\/span><a href=\"https:\/\/bitcoin.org\/ca\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-contrast=\"none\">Bitcoin<\/span><\/a><span data-contrast=\"none\">, primera criptomoneda creada en 2009, i <\/span><a href=\"https:\/\/ethereum.org\/ca\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span data-contrast=\"none\">Ether.<\/span><\/a><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-49665 aligncenter\" src=\"https:\/\/blog.euncet.com\/wp-content\/uploads\/2021\/04\/Empresas-de-crowdfunding.png\" alt=\"\" width=\"750\" height=\"300\" srcset=\"https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Empresas-de-crowdfunding.png 750w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Empresas-de-crowdfunding-300x120.png 300w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Empresas-de-crowdfunding-80x32.png 80w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Empreses_de_micromecenatge\"><\/span><span style=\"font-weight: 400;\">Empreses de micromecenatge<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"none\">El <span class=\"NormalTextRun SCXW79221446 BCX0\">crowdfunding<\/span> o micromecenatge \u00e9s una <\/span><b><span data-contrast=\"none\">xarxa de finan\u00e7ament col\u00b7lectiu online<\/span><\/b><span data-contrast=\"none\">, en la majoria de casos. El seu funcionament consisteix en el fet que, de <\/span><b><span data-contrast=\"none\">manera altruista, la gent realitza donacions econ\u00f2miques o d&#8217;un altre tipus per a finan\u00e7ar un projecte<\/span><\/b><span data-contrast=\"none\">. Aquests poden ser de qualsevol mena, \u00e9s a dir, des de projectes art\u00edstics fins a campanyes pol\u00edtiques, creaci\u00f3 d&#8217;empreses\u2026<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-contrast=\"none\">El micromecenatge <\/span><b><span data-contrast=\"none\">pot classificar-se segons si s\u00f3n d&#8217;accions, de donaci\u00f3, de pr\u00e9stec o de recompensa.<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Aquesta nova forma de mecenatge t\u00e9 el seu origen en 1997. Marillion, una banda de rock brit\u00e0nica, va finan\u00e7ar la seva gira a trav\u00e9s de donacions en l\u00ednia. Despr\u00e9s de donar-se a con\u00e8ixer l&#8217;\u00e8xit de la campanya, en 2000 va n\u00e9ixer <\/span><a href=\"https:\/\/www.artistshare.com\/\"><span data-contrast=\"none\">ArtistShare,<\/span><\/a><span data-contrast=\"none\"> la primera plataforma basada en aquest m\u00e8tode de finan\u00e7ament alternatiu i innovador.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-49668 aligncenter\" src=\"https:\/\/blog.euncet.com\/wp-content\/uploads\/2021\/04\/Empresas-de-inversion-online.png\" alt=\"La inversi\u00f3n online y las empresas Fintech.\" width=\"750\" height=\"300\" srcset=\"https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Empresas-de-inversion-online.png 750w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Empresas-de-inversion-online-300x120.png 300w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Empresas-de-inversion-online-80x32.png 80w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Empreses_dinversio_online\"><\/span><span style=\"font-weight: 400;\">Empreses d&#8217;inversi\u00f3 online<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"none\">Cada vegada existeixen m\u00e9s empreses <\/span><b><span data-contrast=\"none\">orientades a facilitar les inversions a trav\u00e9s d&#8217;un lloc web o aplicacions m\u00f2bils<\/span><\/b><span data-contrast=\"none\">. Existeixen plataformes de:<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\u25cf\" data-font=\"Open Sans\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Crowdlending.<\/span><\/b><span data-contrast=\"none\"> Permet deixar diners a usuaris amb major garantia en la seva devoluci\u00f3 amb interessos.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25cf\" data-font=\"Open Sans\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Robatori Advisor.<\/span><\/b><span data-contrast=\"none\"> Aquests gestors automatitzats s\u00f3n algorismes que fan rebalancejos sobre les distribucions dels diners. \u00c9s a dir, assessoren i gestionen els diners dels usuaris com si fossin assessors financers. El proc\u00e9s est\u00e0 supervisat per equips experts d&#8217;inversors.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25cf\" data-font=\"Open Sans\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Broker online<\/span><\/b><span data-contrast=\"none\">. Aquest servei online permet fer operacions de compra i venda d&#8217;accions per Internet.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\u25cf\" data-font=\"Open Sans\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\u25cf&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Social trading<\/span><\/b><span data-contrast=\"none\">. S\u00f3n comunitats d&#8217;usuaris que intercanvien i comparteixen opinions, consells i estrat\u00e8gies sobre trading.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"> <img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-49674 aligncenter\" src=\"https:\/\/blog.euncet.com\/wp-content\/uploads\/2021\/04\/Banca-Online.png\" alt=\"La banca online es un gran avance de las empresas Fintech.\" width=\"750\" height=\"300\" srcset=\"https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Banca-Online.png 750w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Banca-Online-300x120.png 300w, https:\/\/www.euncet.com\/blog\/wp-content\/uploads\/2021\/04\/Banca-Online-80x32.png 80w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Banca_Online\"><\/span><span style=\"font-weight: 400;\">Banca Online<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"none\">La banca onlline o banca digital \u00e9s tota aquella <\/span><b><span data-contrast=\"none\">instituci\u00f3 financera que opera amb els seus clients per internet sense disposar de sucursals f\u00edsiques.<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">En l&#8217;actualitat, existeixen els <\/span><b><span data-contrast=\"none\">Neo Banks<\/span><\/b><span data-contrast=\"none\">, entitats banc\u00e0ries de menor grand\u00e0ria que la banca tradicional. Aquest tipus de banc centra el seu funcionament a prioritzar l&#8217;experi\u00e8ncia m\u00f2bil (Mobile &#8211; first) amb el suport estructural de bancs tradicionals que actuen com partners.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Aquesta nova modalitat de banca est\u00e0 sent inclosa dins dels programes de transformaci\u00f3 digital de bancs tradicionals, i alguns ja ho ofereixen com un servei addicional.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Exemples_de_startup_fintech_a_Espanya\"><\/span><span class=\"TextRun SCXW151067390 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW151067390 BCX0\" data-ccp-parastyle=\"heading 2\">Exemples de s<\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW151067390 BCX0\" data-ccp-parastyle=\"heading 2\">tartup<\/span> <span class=\"NormalTextRun SpellingErrorV2Themed SCXW151067390 BCX0\" data-ccp-parastyle=\"heading 2\">fintech<\/span><span class=\"NormalTextRun SCXW151067390 BCX0\" data-ccp-parastyle=\"heading 2\"> a Espanya<\/span><\/span><span class=\"EOP SCXW151067390 BCX0\" data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:360,&quot;335559739&quot;:80}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span class=\"TextRun Highlight SCXW9167278 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW9167278 BCX0\">A continuaci\u00f3, et deixem una llista amb algunes de les <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW9167278 BCX0\">Startups<\/span> <span class=\"NormalTextRun SpellingErrorV2Themed SCXW9167278 BCX0\">Fintech<\/span><span class=\"NormalTextRun SCXW9167278 BCX0\"> espanyoles m\u00e9s populars en 2021:<\/span><\/span><span class=\"EOP SCXW9167278 BCX0\" data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"http:\/\/abancainnova.com\/es\/programa-para-startups-abanca-innova\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Abanca<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/bizum.es\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Bizum<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/bnext.es\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Bnext<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.brickfunding.com\/es\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Brickfunding<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/clarity.ai\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Clarity<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.financlick.es\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Financlick<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.finteca.es\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Finteca<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.fintonic.com\/es-ES\/inicio\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Fintonic<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/icofunding.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Icofunding<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/innsomnia.es\/es\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Insomnia<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.kantox.com\/es\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Kantox<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/onyze.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Onyze<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/trioteca.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Trioteca<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.trustly.net\/es\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Trustly<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/verse.me\/es\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Verse<\/span><\/a><\/li>\n<\/ul>\n<p><span class=\"TextRun Highlight SCXW231237139 BCX0\" lang=\"CA-ES\" xml:lang=\"CA-ES\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW231237139 BCX0\">Si vols saber m\u00e9s sobre transformaci\u00f3 digital de les empreses <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW231237139 BCX0\">fintech<\/span><span class=\"NormalTextRun SCXW231237139 BCX0\"> no et perdis <\/span><span class=\"NormalTextRun CommentStart CommentHighlightPipeRest CommentHighlightRest SCXW231237139 BCX0\">el <a href=\"https:\/\/www.euncet.com\/ca\/executive-education\/postgrau-direccio-financera\/\" target=\"_blank\" rel=\"noopener noreferrer\">postgrau en Direcci\u00f3 Financera<\/a><\/span><span class=\"NormalTextRun CommentHighlightPipeRest SCXW231237139 BCX0\">. F<\/span><span class=\"NormalTextRun SCXW231237139 BCX0\">es<\/span><span class=\"NormalTextRun SCXW231237139 BCX0\"> un pas endavant i lidera les finances 4.0!<\/span><\/span><span class=\"EOP SCXW231237139 BCX0\" data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.euncet.com\/ca\/executive-education\/postgrau-direccio-financera\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-58353 size-full\" src=\"https:\/\/blog.euncet.com\/wp-content\/uploads\/2023\/02\/5-PDF-H-1.gif\" alt=\"\" width=\"750\" height=\"200\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les empreses fintech han arribat per a fer un gir 180 graus al sector de les finances tradicionals. El seu creixement exponencial est\u00e0 fent que la banca tradicional les situ\u00ef com a referent a seguir per a la seva adaptaci\u00f3 a les noves necessitats digitals. Per\u00f2, qu\u00e8 les fa tan disruptives?\u00a0 Origen de les Fintech\u00a0 [&hellip;]<\/p>\n","protected":false},"author":28,"featured_media":49642,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[451],"tags":[],"class_list":["post-58524","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances-i-comptabilitat"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Empreses fintech: definici\u00f3 i tipologia | Euncet Business School<\/title>\n<meta name=\"description\" content=\"Descobreix quines s\u00f3n les principals caracter\u00edstiques i funcionalitats de les empreses Fintech, quins beneficis aporten i quins startups existeixen.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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