{"id":16654,"date":"2021-09-17T21:00:00","date_gmt":"2021-09-17T19:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=16654"},"modified":"2021-11-23T16:47:34","modified_gmt":"2021-11-23T15:47:34","slug":"universal-bank-account","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/es\/magazine\/universal-bank-account\/","title":{"rendered":"\u2018Universal bank account\u2019: as\u00ed nace una utop\u00eda"},"content":{"rendered":"
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Con una comunidad fuerte, una estructura compartida y una tecnolog\u00eda l\u00edder, operar en todo el mundo con una sola cuenta puede ser una realidad. El jefe de productos de 11Onze, Jordi S\u00e1nchez, nos explica en que nos hemos inspirado para cambiar el mundo de la banca.<\/b><\/h3>\n

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\u00bfTe imaginas que con un solo gesto pudi\u00e9ramos hacer transacciones, solicitar pr\u00e9stamos o mover nuestros ahorros por todo el planeta? Los expertos de la nueva banca digital hace meses que se hacen la misma pregunta, una y otra vez, y <\/span>han encontrado respuesta<\/span><\/a> alrededor de un concepto que ha hecho fortuna: el <\/span>universal bank account<\/span><\/i> (cuenta bancaria universal). Aseguran que, si cada persona tuviera una \u00fanica cuenta universal, <\/span>el sector de la banca ser\u00eda m\u00e1s eficiente, y har\u00eda la vida m\u00e1s f\u00e1cil a los clientes<\/b>.\u00a0<\/span><\/p>\n

\u201cHay <\/span>muchas cosas en 11Onze que ya se asemejan a este ideal de cuenta bancaria universal<\/b>\u201d, nos revela S\u00e1nchez. Actualmente, Espa\u00f1a es un ejemplo paradigm\u00e1tico de c\u00f3mo el sector de la banca tiende a la concentraci\u00f3n, a que unos pocos controlen todo el mercado y, por lo tanto, ofrezcan productos al precio que quieran. En cambio, bajo la inspiraci\u00f3n de esta <\/span>universal bank account<\/span><\/i>, las nuevas entidades bancarias, mediante la tecnolog\u00eda <\/span>blockchain<\/span><\/i>, pueden compartir informaci\u00f3n, servicios y estructura.\u00a0<\/span><\/p>\n

La comunidad de 11Onze se inspira en esta utop\u00eda, y ha hecho de ella una filosof\u00eda de trabajo. <\/b>\u201cPor un lado, desde el punto de vista del sector, reduce costes y hace m\u00e1s competitivo el mercado. Por otro lado, desde el punto de vista del cliente, permite que todo el mundo pueda tener una cuenta b\u00e1sica para operar de forma m\u00e1s libre\u201d, resume nuestro jefe de producto. En definitiva, 11Onze est\u00e1 construyendo una experiencia bancaria \u00fanica en el mundo.<\/span><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n

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Una \u00fanica tarjeta para m\u00faltiples transacciones<\/b><\/h3>\n

As\u00ed, de entrada, si en la utop\u00eda de la cuenta bancaria universal, se asignar\u00eda un n\u00famero virtual a cada cliente, un tipo de identificaci\u00f3n con la que podr\u00edamos operar desde cualquier punta del planeta, en 11Onze tambi\u00e9n asignamos a cada persona un c\u00f3digo que le permitir\u00e1, a trav\u00e9s del<\/span> Fem Cua<\/b><\/a>, descargar nuestra aplicaci\u00f3n de primer nivel, <\/span>El Canut<\/b><\/a>, y empezar a operar. Adem\u00e1s, los clientes dispondr\u00e1n de una sola tarjeta para gestionar transacciones distintas, un monedero digital que <\/span>cumple a rajatabla la normativa PSD2<\/b> (Payment Services Directive).<\/span><\/p>\n

A su vez, en 11Onze <\/span>cuidaremos de toda nuestra comunidad mediante una central KYC<\/b> (<\/span>Know Your Costumer<\/span><\/i> [Conoce a tu cliente]). Estos procesos aseguran que la entidad financiera cumple de forma estricta una serie de criterios para conocer, reconocer y monitorizar todas las cuentas corrientes que tiene a su cargo. En La Pla\u00e7a ya os hemos explicado <\/span>c\u00f3mo la aplicaci\u00f3n de 11Onze proteger\u00e1 a todos los clientes<\/span><\/a> gracias a la \u00faltima tecnolog\u00eda en reconocimiento biom\u00e9trico.\u00a0<\/span><\/p>\n

\u201cA pesar de que una operaci\u00f3n bancaria, como puede ser una transferencia o solicitar un pr\u00e9stamo, s\u00ed que necesita una contrase\u00f1a para validar la operaci\u00f3n, un KYC uniforme ahorra la duplicidad de procesos cuando el cliente se registra o tiene que hacer tr\u00e1mites burocr\u00e1ticos, ya que todas las entidades financieras compartir\u00e1n una base de datos y tendr\u00e1n un procedimiento com\u00fan\u201d, ampl\u00eda S\u00e1nchez.<\/span><\/p>\n

 <\/p>\n

El hub financiero: mucha oferta para una fintech<\/b><\/h3>\n

Por \u00faltimo, y m\u00e1s importante: todo este sistema de nueva generaci\u00f3n que viene a revolucionar la banca tradicional permitir\u00e1, a trav\u00e9s del c\u00f3digo de acceso a 11Onze, que el cliente escoja d\u00f3nde quiere abrir su cuenta bancaria universal. \u201cEn 11Onze concentramos mucha oferta de IBAN en una sola fintech. Esto quiere decir que <\/span>podr\u00e1s escoger, de entre varias entidades bancarias europeas, d\u00f3nde abrir tus cuentas<\/b>. Queremos ser un hub financiero y que el cliente pueda operar con diversidad y seguridad\u201d, reafirma nuestro jefe de producto.<\/span><\/p>\n

Como toda fintech l\u00edder, 11Onze ha creado una red compartida con otras financieras que mejora la eficiencia, comparte estrategias, tecnolog\u00eda y servicios, y reduce costes estructurales. Al mismo tiempo, hace posible que el cliente pueda prescindir de cuentas m\u00faltiples desligadas entre ellas, que entorpecen actuar con libertad en el mercado global. Ya somos la primera comunidad fintech de Catalu\u00f1a. Preparaos, ahora, para ser la punta de lanza de todas las fintech del mundo. <\/span>El mundo cambia. El dinero, tambi\u00e9n. Evoluciona con 11Onze.<\/b><\/p>\n

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\u00bfQuieres una cuenta de 11Onze? Pide tanda en <\/b>Haz Cola<\/b><\/a>. Con el c\u00f3digo que te daremos, podr\u00e1s abrir una cuenta el 1 de octubre.<\/b><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n

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Si te ha gustado este art\u00edculo, te recomendamos:<\/h1>\n
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\n \"\"\n 11Onze<\/span>\n <\/div>\n
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\u00bfSabes lo qu\u00e9 es El Canut?<\/strong><\/p>\n 3min lectura<\/span>\n

\u00bfQu\u00e9 era un \u201ccanut\u201d? \u00bfPor qu\u00e9 brindamos diciendo \u201cSalut i<\/p>\n <\/div>\n <\/div>\n\n\n

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Pr\u00e9stamos entre particulares<\/strong><\/p>\n 3min lectura<\/span>\n

Cuando necesitamos encontrar financiaci\u00f3n, lo primero que<\/p>\n <\/div>\n <\/div>\n\n\n

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Lo que hay que saber sobre la nueva banca<\/strong><\/p>\n 4min lectura<\/span>\n

\u00bfTodav\u00eda te preguntas qu\u00e9 es una fintech?<\/p>\n <\/div>\n <\/div>\n\n <\/div>\n
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\n\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":16719,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[28],"tags":[174],"class_list":["post-16654","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar","tag-economia-es"],"acf":[],"yoast_head":"\n\u2018Universal bank account\u2019: as\u00ed nace nuestra utop\u00eda - 11ONZE<\/title>\n<meta name=\"description\" content=\"El jefe de producto de 11Onze, Jordi S\u00e0nchez, nos explica c\u00f3mo nos hemos inspirado para cambiar el mundo de la banca.\" \/>\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\/universal-bank-account\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u2018Universal bank account\u2019: as\u00ed nace nuestra utop\u00eda - 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