{"id":46860,"date":"2026-02-04T09:00:00","date_gmt":"2026-02-04T08:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=46860"},"modified":"2026-02-02T09:53:28","modified_gmt":"2026-02-02T08:53:28","slug":"mala-gestion-tecnologica-banca-europea","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/es\/magazine\/mala-gestion-tecnologica-banca-europea\/","title":{"rendered":"La mala gesti\u00f3n tecnol\u00f3gica de la banca europea"},"content":{"rendered":"
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El Banc Central Europeu detecta defici\u00e8ncies fonamentals en la manera en qu\u00e8 els bancs de l\u2019eurozona aborden la ciberseguretat i avisa que estan perdent milions d’euros per culpa del cibercrim, sistemes de gesti\u00f3 antiquats i la baixa qualitat dels serveis tecnol\u00f2gics externalitzats.<\/b><\/h3>\n

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El sector bancari ha introdu\u00eft importants canvis tecnol\u00f2gics en els \u00faltims anys, especialment arran de la <\/span>necessitat d\u2019actualitzar-se davant del canvi de paradigma en la gesti\u00f3 de les finances que han esperonat les fintech<\/b>. La inversi\u00f3 en tecnologies de la informaci\u00f3 a la banca ha estat notablement superior a la de la majoria d’ind\u00fastries, per\u00f2 aquesta transici\u00f3 cap a la digitalitzaci\u00f3 de les finances per a millorar l\u2019efici\u00e8ncia banc\u00e0ria no ha estat f\u00e0cil.<\/span><\/p>\n

En aquest context,<\/span> el Banc Central Europeu<\/b> (BCE) ha realitzat una <\/b>enquesta<\/b><\/a> entre els bancs de l\u2019eurozona que supervisa i ha dut a terme 22 inspeccions des de 2020 <\/b>per a comprovar fins a quin punt estan preparats per a fer front al cibercrim. L’estudi del BCE deixa una imatge preocupant sobre la preparaci\u00f3 del sector bancari europeu, arribant a la conclusi\u00f3 que els problemes s\u00f3n \u201cm\u00e9s greus i generalitzats\u201d del que es preveia.<\/span><\/p>\n

Pel que fa a l\u2019incompliment dels contractes per part dels serveis tecnol\u00f2gics externalitzats, l\u2019enquesta feta per la instituci\u00f3 de la UE indica que aix\u00f2 ha comportat <\/span>un cost addicional de 148 milions d’euros als bancs el 2022, un augment del 360% respecte a l’any anterior<\/b>.<\/span><\/p>\n

Tot i que el BCE explicava que aquestes p\u00e8rdues es deuen principalment per la manca de disponibilitat o mala qualitat dels serveis subcontractats, <\/span>aquestes \u201ces van concentrar en unes poques entitats significatives i, per tant, no indiquen una tend\u00e8ncia sectorial\u201d<\/b>. Aix\u00ed mateix, constatava que \u201cels acords de subcontractaci\u00f3 dels bancs sovint no abordaven prou els requisits de seguretat inform\u00e0tica\u201d.<\/span><\/p>\n

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Es dupliquen les operacions fraudulentes a la banca espanyola<\/b><\/h3>\n

Segons l’\u00faltim informe del Banc d’Espanya, corresponent a 2022, <\/span>les reclamacions per operacions fraudulentes han augmentat un 109,1%<\/b>, duplicant-se des de l’any anterior. Concretament, es van tramitar 34.146 reclamacions en el Departament de Conducta d’Entitats del Banc d’Espanya.<\/span><\/p>\n

La pr\u00e0ctica del<\/b> phishing<\/b><\/a> en destaca com una de les principals causes (10.361 de les den\u00fancies)<\/b> que hi ha al darrere de l\u2019increment d’aquestes reclamacions sobre targetes i transfer\u00e8ncies, motivades per operacions presumptament fraudulentes. Recordem que el phishing consisteix a crear una p\u00e0gina web molt semblant a alguna que tu utilitzes normalment, per fer-t\u2019hi entrar i robar-te certa informaci\u00f3.<\/span><\/p>\n

A m\u00e9s, cal tenir en compte que durant el 2022 encara no hi havia peticions de clients sobre el nou <\/span>Codi de Bones Pr\u00e0ctiques<\/span><\/a>, que es va aprovar a la fi de l’exercici, i que ha fet augmentar les reclamacions en el 2023. <\/span>Per entitats, CaixaBank, BBVA i Banc Santander s\u00f3n les que m\u00e9s reclamacions reben<\/b>, gr\u00e0cies a la seva major quota de mercat. En tot cas, en el conjunt europeu, el BCE avisa que aquests resultats \u201cplantegen serioses preocupacions de supervisi\u00f3 que confirmen la necessitat de continuar les inspeccions in situ juntament amb converses entre bancs i supervisors\u201d.<\/span><\/p>\n

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Si vols descobrir com aconseguir guanys pels teus estalvis amb un producte de just\u00edcia social, 11Onze Recomana <\/b>Finan\u00e7a Litigis<\/b><\/a>. Finan\u00e7a les demandes contra els bancs. Fes just\u00edcia i aconsegueix rendiments pels teus estalvis per damunt de la inflaci\u00f3 gr\u00e0cies a les indemnitzacions que hauran de pagar.<\/b><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n

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