{"id":520251,"date":"2024-02-15T08:55:26","date_gmt":"2024-02-15T08:55:26","guid":{"rendered":"https:\/\/www.capgemini.com\/mx-es\/?post_type=research-and-insight&#038;p=520251"},"modified":"2025-04-05T08:24:30","modified_gmt":"2025-04-05T08:24:30","slug":"principales-tendencias-en-pagos-2024","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/mx-es\/insights\/biblioteca-de-investigacion\/principales-tendencias-en-pagos-2024\/","title":{"rendered":"Principales tendencias en pagos 2024"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/12\/TT24_Payments_landing-page-banner.jpg?w=2880&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/12\/TT24_Payments_landing-page-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/12\/TT24_Payments_landing-page-banner.jpg?w=1440&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/12\/TT24_Payments_landing-page-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/12\/TT24_Payments_landing-page-banner.jpg?w=1024&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/12\/TT24_Payments_landing-page-banner.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/12\/TT24_Payments_landing-page-banner.jpg?w=768&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/12\/TT24_Payments_landing-page-banner.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/12\/TT24_Payments_landing-page-banner.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:51% 30%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Financial services<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Principales tendencias en pagos 2024<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/12\/Payments-Top-Trends-2024_Infographic_web.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><span>Descargar infografia<\/span><span class=\"type\">129 KB  pdf<\/span><\/a><\/div><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/12\/ÎÚÑ»´«Ã½-Payments-Top-Trends-2024_Slide-deck.pdf\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><span>Descargar presentaci\u00f3n de diapositivas<\/span><span class=\"type\">890 KB  pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=981758\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=981758&amp;text=\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=981758&amp;text=\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-desafios-y-oportunidades-de-la-industria-para-la-transformacion-de-las-empresas-de-pagos\">Desaf\u00edos y oportunidades de la industria para la transformaci\u00f3n de las empresas de pagos<\/h3>\n\n\n\n<p>Antic\u00edpate a la transformaci\u00f3n continua de la industria de pagos en 2024. La optimizaci\u00f3n de procesos, el aprovechamiento de DeFi, inteligencia artificial, ISO 20022, las pr\u00f3ximas directivas PSD3 y el aumento de las ofertas de pago de las BigTech, ser\u00e1n algunos de los elementos que ayudar\u00e1n a acelerar el cambio.<\/p>\n\n\n\n<p>Los avances tecnol\u00f3gicos est\u00e1n en camino de revolucionar la productividad y mejorar la seguridad de los datos y las nuevas v\u00edas de pago seguir\u00e1n aumentando a nivel mundial. Los bancos centrales est\u00e1n implementando monedas digitales y las empresas de pagos est\u00e1n adoptando servicios en la nube para desarrollar plataformas componibles.<\/p>\n\n\n\n<p>Explora nuestro estudio \u201cPrincipales tendencias en Pagos 2024\u201d para obtener informaci\u00f3n estrat\u00e9gica sobre c\u00f3mo las arquitecturas componibles est\u00e1n permitiendo la modernizaci\u00f3n y c\u00f3mo las iniciativas centradas en pagos en tiempo real, interoperabilidad y habilitaci\u00f3n de API impulsar\u00e1n la eficiencia y los cambios regulatorios.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n<section class=\"latest-insights layout-odd layout-one-card-only \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Investigaci\u00f3n y conocimientos<\/h2><\/div><div class=\"layout-single-card\">\n                      <div class=\"row align-items-center w-lg-100\">\n                        <div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/mx-es\/insights\/biblioteca-de-investigacion\/informe-mundial-de-pagos\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=2048&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=1024&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=1024&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=500&#038;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg?w=1000&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/09\/WPR25_Landing-page-banner_2880x1800px-copy.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div>\n                            <div class=\"col-12 col-md-5 col-lg-7\"><\/div>\n                        <div class=\"col-12 col-md-7 col-lg-5\">\n                            <a href=\"https:\/\/www.capgemini.com\/mx-es\/insights\/biblioteca-de-investigacion\/informe-mundial-de-pagos\/\" aria-label=\"Informe mundial sobre pagos 2025\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">ÎÚÑ»´«Ã½ Research Institute<\/div>\n                                <h3 class=\"card-title\">Informe mundial sobre pagos 2025<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/mx-es\/wp-content\/themes\/capgemini2020\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                     <\/div>\n                    <\/div><\/div><\/section>\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\"><br>Explora nuestros servicios<\/h2><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/12\/ÎÚÑ»´«Ã½_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/12\/ÎÚÑ»´«Ã½_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=500&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/12\/ÎÚÑ»´«Ã½_Industries_Capital-Markets_Cards-and-payments_2.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Pagos\" href=\"\/mx-es\/sectores\/banca-y-mercados-de-capital\/tarjetas-y-pagos\/\" target=\"\" rel=\"noopener noreferrer\"><h4>Pagos<\/h4><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries_Capital-Markets.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries_Capital-Markets.jpg?w=500&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries_Capital-Markets.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Banca y mercados de capitales\" href=\"\/mx-es\/sectores\/banca-y-mercados-de-capital\/\" target=\"\" rel=\"noopener noreferrer\"><h4>Banca y mercados de capitales<\/h4><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Anticipate continued payments industry transformation in 2024, with frontrunners streamlining processes and leveraging DeFi and AI.<\/p>\n","protected":false},"author":440,"featured_media":520252,"template":"","meta":{"cg_dt_proposed_to":[25],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"5c873106-74f9-48db-84b4-d4b2ca5f8cd5\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":true,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":231,"primary_term":"Financial services","featured_focal_points":""},"tags":[],"research-and-insight-type":[234,230],"theme":[67,231],"brand":[350],"service":[162],"industry":[171,456],"partners":[],"content-group":[],"class_list":["post-520251","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-capgemini-research-institute","research-and-insight-type-report","theme-data-and-ai","theme-innovation","brand-capgemini-research-institute","service-data-ai","industry-banking-capital-markets","industry-financial-services"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Principales tendencias en pagos 2024<\/title>\n<meta name=\"description\" content=\"Desaf\u00edos y oportunidades de la industria para la transformaci\u00f3n de las empresas de pagos\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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