{"id":14032,"date":"2024-11-23T20:00:21","date_gmt":"2024-11-23T19:00:21","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=14032"},"modified":"2024-11-18T09:40:16","modified_gmt":"2024-11-18T08:40:16","slug":"tarjeta-fisica-virtual","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/es\/magazine\/tarjeta-fisica-virtual\/","title":{"rendered":"De la tarjeta f\u00edsica a la virtual"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>En los a\u00f1os 50 del siglo XX se crearon las tarjetas de cr\u00e9dito y con la llegada de los tel\u00e9fonos inteligentes se popularizaron las virtuales. Repasamos la historia de las tarjetas y sus posibilidades.<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Hace sesenta a\u00f1os de la primera tarjeta de pago y, desde aquel d\u00eda, nuestra manera de comprar ha cambiado para adaptarse hasta llegar a la era del comercio digital, dando tambi\u00e9n un cambio radical en nuestra forma de pago. <\/span><b>La forma de consumir cambia constantemente, se ha podido comprobar con el incremento del e-commerce<\/b><span style=\"font-weight: 400;\">, a ra\u00edz del inicio de la pandemia de la Covid-19 de este pasado 2020, como se puede ver en el estudio hecho por <\/span><a href=\"https:\/\/www.kantar.com\/es\/inspiracion\/consumidor\/3-de-4-hogares-han-realizado-compras-por-internet-durante-2020-y-lo-continuaran-haciendo-en-2021\"><span style=\"font-weight: 400;\">Kantar<\/span><\/a><span style=\"font-weight: 400;\">, quien asegura que 3 de cada 4 hogares espa\u00f1oles han hecho compras por internet durante este pasado a\u00f1o 2020, y que estos hogares siguen comprando en l\u00ednea este 2021. <\/span><b>Los hogares que ahora compran por Internet son un 74,4%, esto ha incrementado los consumidores de e-commerce en un 8,4% desde el 2017<\/b><span style=\"font-weight: 400;\">. Seg\u00fan detalla Kantar en su estudio, el 26,6% de los consumidores restantes son personas mayores que se desplazan a comprar personalmente ellas mismas los productos, puesto que prefieren un trato personalizado. Y del mismo modo que ha cambiado el modelo de consumo, tambi\u00e9n ha cambiado el modelo de pago. Bienvenidos a la era de las tarjetas virtuales.<\/span><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component gallery\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-lg-10 offset-lg-1\">\n        <div id=\"slider\" class=\"carousel slide\">\n          <div class=\"carousel-inner\">\n            <div class=\"carousel-item active video-player inline-player\" data-video-id=\"6261387463001\">\n              <img decoding=\"async\" class=\"d-block w-100\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/08\/THUMBNAIL_SILVIAGARRIGA_TOPIC4.jpg\" alt=\"\">\n              <button type=\"button\" class=\"play\"><\/button>\n              <div class=\"carousel-caption\">\n                <p>\u00bfQu\u00e9 tarjeta me conviene m\u00e1s?<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>\u00bfQu\u00e9 son las tarjetas virtuales?\u00a0<\/b><\/h3>\n<p><b>Las tarjetas virtuales son tarjetas m\u00e1s seguras<\/b><span style=\"font-weight: 400;\">, y a diferencia de las tarjetas de pago convencionales, son completamente virtuales. Su pago es exclusivamente para compras virtuales, con la posibilidad, tambi\u00e9n, de poder <\/span><b>pagar en establecimientos f\u00edsicos si tienes la tarjeta vinculada al wallet de tu smartphone<\/b><span style=\"font-weight: 400;\">. La tarjeta virtual dispone de un n\u00famero, de una fecha de caducidad y tambi\u00e9n de un n\u00famero de control, como detalla <\/span><a href=\"https:\/\/www.rankia.com\/blog\/mejores-tarjetas\/4604079-comparativa-tarjetas-virtuales-bancos-para-empresas\"><span style=\"font-weight: 400;\">Rankia<\/span><\/a><span style=\"font-weight: 400;\">. La web financiera tambi\u00e9n dice que los controles de seguridad de las tarjetas virtuales son muy variados. Algunos bancos tienen un c\u00f3digo din\u00e1mico que va cambiando en cada compra, mientras otros permiten realizar muy pocas compras, y en caso de quedar dinero en la tarjeta, este dinero vuelve autom\u00e1ticamente a la cuenta de la cual fue recargada la tarjeta. <\/span><b>Cada cliente es libre de hacer una nueva tarjeta virtual cuando la necesite<\/b><span style=\"font-weight: 400;\">, as\u00ed de sencillo.<\/span><\/p>\n<h3><b>\u00bfC\u00f3mo naci\u00f3 la tarjeta virtual?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Desde la primera tarjeta de pago del mundo de <\/span><a href=\"https:\/\/en.wikipedia.org\/wiki\/Diners_Club_International\"><span style=\"font-weight: 400;\">Diners Club<\/span><\/a><span style=\"font-weight: 400;\"> en 1950, el mundo de las tarjetas de pago ha dado muchas vueltas, pasando por la llegada de las tarjetas de cr\u00e9dito en Espa\u00f1a en los a\u00f1os sesenta, hasta llegar a las tarjetas virtuales, seg\u00fan detalla la web de <\/span><a href=\"https:\/\/www.finanzas.com\/coyuntura\/tarjetas-virtuales-la-seguridad-ante-las-compras-por-internet_13384451_102.html\"><span style=\"font-weight: 400;\">Finanzas<\/span><\/a><span style=\"font-weight: 400;\">. La p\u00e1gina especializada en finanzas recuerda que las tarjetas virtuales<\/span><b> nacieron junto con la llegada de la telefon\u00eda m\u00f3vil<\/b><span style=\"font-weight: 400;\">, con los sistemas de pago llamados \u201cwallets\u201d.<\/span><\/p>\n<h3><\/h3>\n<h3><b>\u00bfC\u00f3mo est\u00e1n reguladas?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">La regulaci\u00f3n europea <\/span><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2018-16036\"><span style=\"font-weight: 400;\">PSD2<\/span><\/a><span style=\"font-weight: 400;\">, la nueva normativa europea de servicios de pago electr\u00f3nicos, entr\u00f3 en vigor en septiembre del 2018, con el fin de <\/span><b>reforzar la seguridad para los consumidores con los sistemas de pago del comercio electr\u00f3nico<\/b><span style=\"font-weight: 400;\">. Con esta regulaci\u00f3n, que ya hace tres a\u00f1os que est\u00e1 vigente, se puede decir que algo tiene que estar cambiando en la nueva manera de hacer pagos. En definitiva, podemos decir que<\/span><b> las tarjetas virtuales han llegado para quedarse como un medio m\u00e1s de pago<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>11Onze es la fintech comunitaria de Catalu\u00f1a. Abre una cuenta descargando la app El Canut para <\/b><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.e11onze.app&amp;utm_source=emailing&amp;utm_campaign=CANUT+launch\"><b>Android<\/b><\/a><b> o <\/b><a href=\"https:\/\/apps.apple.com\/us\/app\/11onze\/id1566129237?utm_campaign=El+Canut\"><b>iOS<\/b><\/a><b>. \u00a1\u00danete a la revoluci\u00f3n!<\/b><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component cards\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-xl-8 offset-xl-2\">\n        <h1>Si te ha gustado este art\u00edculo, te recomendamos:<\/h1>\n        <div class=\"cards__wrapper\">\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/es\/magazine\/como-protegernos-estafas-linea\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/06\/THUMBNAIL_ESTAFES_ONLINE-800x533.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Finanzas<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>\u00bfC\u00f3mo protegernos de las estafas en l\u00ednea?<\/strong><\/p>\n              <span class=\"card-time\">5min lectura<\/span>\n              <p class=\"card-text small\">Cada a\u00f1o hay millones de personas en todo el mundo&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/es\/magazine\/fintech-futuro-banca-es-ahora\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/04\/THUMBNAIL_POST_4-1.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Econom\u00eda<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Las fintech, el futuro de la banca es ahora<\/strong><\/p>\n              <span class=\"card-time\">4min lectura<\/span>\n              <p class=\"card-text small\">Cada vez son m\u00e1s las empresas que fusionan tecnolog\u00eda&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/es\/magazine\/tarjetas-virtuales-compras-seguras\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/07\/THUMBNAIL_TARGETES_DIGITALS-800x451.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Tecnolog\u00eda<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Tarjetas virtuales para compras seguras<\/strong><\/p>\n              <span class=\"card-time\">4min lectura<\/span>\n              <p class=\"card-text small\">Las tarjetas virtuales son el principal m\u00e9todo de pago&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n              <\/div>\n              <br>\n              <br>\n              <div class=\"cards__wrapper\">\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":13983,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"content-type":"","footnotes":""},"categories":[28],"tags":[189,180,177],"class_list":["post-14032","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar","tag-11onze-es","tag-cultura-es","tag-tecnologia-es"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>De la tarjeta f\u00edsica a la virtual -11Onze<\/title>\n<meta name=\"description\" content=\"En los a\u00f1os 50 del siglo XX se crearon las tarjetas de cr\u00e9dito y con la llegada de los tel\u00e9fonos inteligentes se popularizaron las virtuales.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.11onze.cat\/es\/magazine\/tarjeta-fisica-virtual\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Test App 11Onze: la tarjeta virtual - 11Onze\" \/>\n<meta property=\"og:description\" content=\"11Onze sigue la fase de test de la app, que incluir\u00e1 la opci\u00f3n de tener una tarjeta virtual. 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