{"id":29881,"date":"2021-06-03T21:49:20","date_gmt":"2021-06-03T19:49:20","guid":{"rendered":"https:\/\/www.investglass.com\/?p=29881"},"modified":"2026-04-23T12:58:55","modified_gmt":"2026-04-23T10:58:55","slug":"construir-su-futuro-que-banco-debe-crear","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/es\/building-your-future-what-bank-should-you-start\/","title":{"rendered":"Construya su futuro: \u00bfQu\u00e9 banco debe abrir?"},"content":{"rendered":"<p>Nunca es demasiado tarde para empezar a construir su futuro, por eso es importante conseguir el socio bancario adecuado. En este art\u00edculo, exploraremos algunas de las cosas que debes tener en cuenta antes de abrir una cuenta bancaria.<\/p>\n<p>Distinguimos cuatro tipos de nuevos bancos.<\/p>\n<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-neo-banks-for-saving-account-and-more\">Neo bancos para cuenta de ahorro y m\u00e1s<\/h2>\n<p>Los neobancos no suelen tener licencia bancaria, sino que se asocian con bancos para ofrecer servicios. Los neobancos exigen que los clientes tengan una cuenta existente Ofrecen una mejor experiencia de usuario. La experiencia del usuario es clave para facilitar la apertura de cuentas. Una instituci\u00f3n financiera puede solicitar una licencia bancaria en el pa\u00eds y, a continuaci\u00f3n, ofrecer distintos tipos de cuentas. Estos bancos suelen tener muchas m\u00e1s prestaciones que los neobancos: ofrecen cuentas de ahorro, servicios de cuenta corriente y pr\u00e9stamos. Quiz\u00e1 sepa que... <a href=\"https:\/\/www.webank.it\/\">WeBank<\/a> por <a href=\"https:\/\/www.tencent.com\/en-us\/about.html\">Tencent<\/a>, Yolt y Moven son ejemplos de neobancos.<\/p>\n<\/p>\n<p><a href=\"https:\/\/www.google.com\">Azaret Metrio Zintos<\/a><\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-new-banks-with-the-whole-old-bank-service-from-saving-money-savings-accounts-to-trading\">Los nuevos bancos con todo el servicio bancario antiguo, desde el ahorro, las cuentas de ahorro hasta el comercio<\/h2>\n<p>Los nuevos bancos tienen licencias bancarias completas y ofrecen los mismos servicios que los bancos tradicionales. Entre ellos se encuentran Monzo, N26, MyBank, Starling Bank y Revolut. Luchan por independizarse de las estructuras tradicionales y suelen asociarse con bancos locales de primer nivel. <a href=\"https:\/\/www.investglass.com\/es\/las-aplicaciones-transformadoras-de-la-ai-en-el-marketing-bancario\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2338\">bancos cuando necesitan abrir un nuevo mercado<\/a>. Por ejemplo, Revolut con Credit Suisse en Suiza. Estos bancos tendr\u00e1n que gestionar las expectativas de la autoridad de conducta financiera y la autoridad de regulaci\u00f3n prudencial.<\/p>\n<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-non-bank-account-non-banks\">La \u201ccuenta no bancaria\u201d <strong>Entidades no bancarias<\/strong><\/h2>\n<p>Estos bancos no tienen ninguna relaci\u00f3n con las licencias bancarias tradicionales. En su lugar, prestar\u00e1n servicios financieros por otros medios. Este modelo \u00fanico permite a la empresa operar con independencia de los bancos existentes.<\/p>\n<p>Suelen disponer de una potente tecnolog\u00eda inform\u00e1tica al servicio de los adeudos domiciliados, no ofrecen asesoramiento independiente ni productos financieros.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-beta-banks-with-savings-account-and-more-beta-banks\">Los bancos Beta - con cuenta de ahorro y m\u00e1s <strong>Bancos Beta<\/strong><\/h2>\n<p>Empresas conjuntas y bancos filiales que ofrecen servicios financieros a trav\u00e9s de la licencia de la matriz. Los bancos beta suelen crearse para entrar en nuevos mercados. Por ejemplo, AiBank (China'sCITIC Bank Corp y Baidu) y Simple (Bancorp y BBVA). Estos bancos tienen su propio ecosistema que conecta con su API nuevos modelos de negocio, nueva experiencia de cliente y ofrece conexiones con instituciones financieras de terceros.<\/p>","protected":false},"excerpt":{"rendered":"<p>It&#8217;s never too late to start building your future, so it is important to get the right banking partner. In this article, we&#8217;ll explore some of the things you should consider before starting a bank account. We distinguish four types of new banks. Neo banks for saving account and more Neo banks usually do not [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29882,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[35,37],"class_list":["post-29881","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-crm-for-banking","tag-neobank"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Create a Neobank: A Beginner&#039;s Guide | InvestGlass<\/title>\n<meta name=\"description\" content=\"Building Your Future: What Bank Should You Start? 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In this article, we&#8217;ll explore some of\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/es\/construir-su-futuro-que-banco-debe-crear\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2021-06-03T19:49:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-23T10:58:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/06\/ygbyrofge3c.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"InvestGlass\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@investglass\" \/>\n<meta name=\"twitter:site\" content=\"@investglass\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"InvestGlass\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Create a Neobank: A Beginner's Guide | InvestGlass","description":"Construya su futuro: \u00bfQu\u00e9 banco deber\u00eda crear? 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