ANALÍTICA

CIBERSEGURIDAD, UNO DE LOS MAYORES DESAFÍOS PARA LA BANCA LATINOAMERICANA: El presidente del comité organizador, José Paul Rodríguez, dijo a Xinhua que el análisis ha mostrado la importancia de colocar el tema entre los aspectos más relevantes a considerar en la gestión de riesgos en esta parte del mundo.

“Es uno de los riesgos asociados a la innovación tecnológica ya que nos estamos transformando casi todos los bancos a procesos digitales, y los ‘hackers’ están detrás del activo más valioso: la información”, expuso Rodríguez.

Según datos de la Federación Latinoamericana de Bancos (Felabán) en la región hay 590 bancos, públicos o privados, en 18 países.

En el congreso también se trató el problema del sobre-endeudamiento como un asunto global del que se habla en Italia, Perú o Chile.

Rodríguez subrayó que los análisis han mostrado la importancia de considerar el tema como parte de una gestión integral y no sólo desde el riesgo del crédito de personas naturales, también del riesgo país y del riesgo de los mercados.

Otro de los temas tratados en el congreso fue el del endurecimiento del marco normativo bancario con Basilea III, un acuerdo que busca fortalecer el sistema financiero.

“Parte del propósito -con Basilea III- es que los bancos no sean los más grandes, sino los más rentables, por lo que hay que buscar alternativas con el servicio y niveles de eficiencia que son los puntos clave hacia los cuales tiene que apuntar la industria financiera, y por eso los proceso de transformación digital, para hacer eficientes los proceso y servicios “, agregó Rodríguez.

El riesgo reputacional frente a la evolución tecnológica y el crecimiento en redes sociales también fue abordado en las conferencias.

Según el especialista esta tendencia “expone a información que no necesariamente puede ser verdad, pero sí te puede hacer daño”.

Dijo que es importante monitorear ese tipo de información y evaluar qué impacto puede tener sobre los productos o servicios.

Rodríguez aseguró que la banca latinoamericana se está subiendo a la digitalización. “Ahora hay que tener conocimiento en riesgo tecnológico, en blockchain, en fintech, en ciberseguridad, y se incorpora en cada organización un proceso de ir madurando en el conocimiento y son temas que no pueden esperar mucho”, subrayó.

El encuentro, organizado por la Asociación Bancaria de Panamá y Felabán, está dirigido a ejecutivos bancarios y funcionarios de instituciones para debatir los nuevos riesgos en los servicios financieros en la región. El foro tendrá una nueva edición en 2019 en República Dominicana.

Rodríguez explicó que el comité de riesgo de la Felabán realizará ahora un proceso de investigación para ver los nuevos riesgos ante los cuales hay que actuar con miras al encuentro en República Dominicana.

Tomado de: PanamaOn. Banca Latinoamericana

ANALÍTICA

WhatsApp Business selecciona a Interaxa y se lanza en América Latina

Interaxa fue seleccionada oficialmente por WhatsApp Business en Latinoamérica. El integrador proveerá una solución completa a las compañías que adopten WhatsApp Business. Concretamente, un nuevo canal de contacto, cuyo principal objetivo será el empoderamiento del consumidor. A través de soluciones de customer experience, aplicaciones móviles, analytics y generación de insights de comportamiento de clientes.

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TRENDMICRO UNVEILS INITIATIVE TO BOOST CYBERSECURITY: Japanese cybersecurity firm TrendMicro has announced a new program aimed at combating threats to IoT devices. The program invites device manufacturers to participate in TrendMicro’s Zero Day Initiative (ZDI), a research program that evaluates the software that powers IoT devices and looks for potential vulnerabilities within them when they ship. The ZDI has already been examining software on existing devices through 2018, with the research team issuing 600 advisories, including almost 200 for industrial IoT devices. The new addition to the program will allow companies developing devices to access existing research archives so they’re able to identify those potential vulnerabilities before a device is fully designed — and hopefully well before it’s shipped — which would prevent potential hackers from compromising it. The IoT broadly has suffered from a poor reputation for security, with numerous devices being compromised and used in Mirai botnets or infected with ransomware. Developing more secure devices will help to boost consumer and enterprise confidence in IoT hardware, which could buoy adoption overall.

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GOOGLE ADDS VR CHROME APP TO DOMINATE VIRTUAL WEB BROWSING: Google has its sights set on the virtual reality (VR) market to boost its dominance in web browsing. Google officially launched the Chrome browser app on its Daydream VR platform last week, enabling owners of the smartphone-based Daydream View headset and the stand-alone Lenovo Mirage Solo headset to search the web within VR devices. The VR version of Chrome includes the same features as the web version — including voice search, saved bookmarks, and private browsing — but adds VR-specific features like cinema mode, which optimizes web video for the best viewing experience in VR. Sigue leyendo

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CHINESE AI STARTUP SECURES $15 MILLION FUNDING ROUND: AI-powered startup Ahi Fintech has raised a $15 million Series A round led by Chinese VC firm Sinovation Ventures, with participation from Hillhouse Capital, Danhua Capital, and Changfeng Zhiqing Investment. The Beijing-based enterprise, which was founded in 2017, uses AI technology to provide businesses with risk control and anti-fraud services. Combining semi-supervised machine learning technology with AI computing power, Ahi Fintech has developed an AI prediction model and decision engine that provides decision-making platform services for business, including for risk control and internal control compliance. The company has earmarked the proceeds from this round for team expansion and enhancement of its AI risk control capacity, as well as developing its system platform and tools. A key feature in the development of the digital economy has been the opening up new opportunities for criminals, who are using this enabling technology for increasingly sophisticated and organized cyberattacks. Customers of financial institutions (FIs) face growing risks from malicious attacks that look to defraud users’ information for illegal purposes, including money laundering. As a result, there is growing demand for anti-fraud and risk control services like those offered by Ahi Fintech.

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US DEPARTMENT OF HOMELAND SECURITY CREATES CYBERSECURITY HUB: The US Department of Homeland Security (DHS) announced that it’s creating a new cybersecurity hub, called the National Risk Management Center (NRMC), according to TechCrunch. The NRMC will be charged with ensuring that critical infrastructure in the US, including utilities and power systems, banking networks, and the election system infrastructure, are maintained securely in the face of rising interest and attempts by foreign actors to infiltrate them. Hackers acting on behalf of states like Russia have been increasingly active in attempting to infiltrate utilities through a variety of means. The new DHS center will work alongside companies in various targeted industries, such as power companies and financial services institutions, to identify particular risks and take steps to address them. The creation of the new hub will help to ensure that parties are aware of risks and attempted infiltrations across industries and geographies, and can appropriately defend themselves.

ANALÍTICA

SBERBANK HOLDS AI COMPETITION: Major Russian bank Sberbank is hosting an AI competition open to all Russian adults, according to Finextra. Participants will develop an algorithm that mirrors poetry in the style and topic of a specific Russian author, and will be judged accordingly, with the winner receiving 500,000 rubles ($8,030) and runners-up getting 300,000 rubles ($4,818) and 200,000 rubles ($3,212), respectively. The competition is intended to “support research activity and crowdsourcing of ideas and algorithms in data analysis, machine learning, and AI,” according to Finextra, and follows other, similar initiatives from Sberbank. AI-based technology is valuable for banks because it can be used on both the front- and back-end to improve efficiency, cut costs, and limit fraud risk. By tapping into the public, Sberbank could find new ways to use AI or access skilled developers to ultimately improve its own offerings for banking use cases. Sigue leyendo

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TANDEM LAUNCHES A FEATURE TO ALERT USERS OF RISING BILLS: UK neobank Tandem has rolled out a new feature within its app that lets customers know when their regular recurring bill payments have risen. It does this by using AI-powered technology, which tracks the spending of a user and therefore knows if a payment has increased. Additionally, it also alerts customers of cheaper alternative providers that they can switch to via a marketplace, and it splits the commission that it receives for this switch with the customer. Tandem only recently announced that it has onboarded 250,000 customers, and by expanding the features on its app, it will likely keep users customers satisfied. Giving people insights into their bills seems like an especially attractive service, as 39% of household in the UK have overpaid their energy bills by around £85 ($111.34), according to GoCompare Energy. Sigue leyendo

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BARCLAYS BROADENS AI PUSH: Major UK bank Barclays is broadening the ways it uses AI after becoming a “flagship customer” of AI company Simudyne Technology, according to the Financial Times. Simudyne is focused on using AI to create models of various situations a bank could be put in, including models that account for human mistakes and run simulations, as a means of lowering risk and reducing error. The bank is looking to leverage the technology in its trading, lending, and risk management divisions. For context, Barclays has been working with Simudyne since May 2017, when the two signed a collaboration deal after Simudyne participated in Barclays’ fintech accelerator program. Sigue leyendo