{"id":21566,"date":"2018-04-04T20:03:43","date_gmt":"2018-04-04T19:03:43","guid":{"rendered":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/?p=21566"},"modified":"2025-11-24T15:27:51","modified_gmt":"2025-11-24T15:27:51","slug":"dinero-movil-bolivia","status":"publish","type":"post","link":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/","title":{"rendered":"Interoperabilidad de dinero m\u00f3vil en Bolivia \u2013 un estudio de caso para Latinoam\u00e9rica"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-19458\" src=\"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/wp-content\/uploads\/2017\/09\/Tiago-Novais-297.jpg\" alt=\"\" width=\"120\" height=\"120\" \/>En los \u00faltimos a\u00f1os el programa Dinero M\u00f3vil ha destacado el crecimiento de la relevancia de la integraci\u00f3n banco-a-m\u00f3vil y los m\u00faltiples <a href=\"https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/programme\/mobile-money\/choosing-a-technical-model-for-a2a-interoperability\/\" target=\"_blank\" rel=\"noopener\">m\u00e9todos de alcanzar dicha interconexi\u00f3n<\/a>. El <a href=\"https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/gsma_resources\/2017-state-industry-report-mobile-money\/\" target=\"_blank\" rel=\"noopener\">Reporte sobre el estado de la industria \u2013 Dinero m\u00f3vil 2017<\/a> revel\u00f3 que aproximadamente 10% del valor las transacciones de dinero m\u00f3vil ocurren entre bancos y billeteras \u2013 un aumento de 10 veces desde 2012.<\/p>\n<p>En Bolivia, Tigo ha buscado la interoperabilidad con el sector bancario como parte de su estrategia, eligiendo la conexi\u00f3n a trav\u00e9s de un switch, pues esta soluci\u00f3n lleva a un punto \u00fanico de entrada con acceso a varios bancos. En 2017 hemos visitado Bolivia para reunirnos con las principales personas que trabajaron conjuntamente para lograr las transferencias cuenta-a-cuenta entre Tigo Money y la mayor\u00eda de los bancos de Bolivia utilizando el switch de la asociaci\u00f3n privada de los bancos.<\/p>\n<p>Transacciones transparentes entre cuentas bancarias y billeteras m\u00f3viles son necesarias para desplazar efectivo. Sin estas soluciones, los consumidores son obligados a convertir dinero digital a efectivo en un banco, seguida de otra conversi\u00f3n de efectivo a dinero digital en una billetera m\u00f3vil. Esta soluci\u00f3n de facto trae costos innecesarios de manejo de efectivo de manera general y puede desincentivar el uso de la billetera m\u00f3vil por los consumidores.<\/p>\n<p>Mientras que lograr interoperabilidad con el sector bancario utilizando una estructura de switch centralizada es una buena respuesta para este problema, un numero de factores necesita confluir para que suceda. En particular, el switch necesita tener la arquitectura que pueda absorber grandes cantidades de transacciones de bajo valor en tiempo real. Los acuerdos necesitan ser firmados por actores que inicialmente se perciben unos a otros como competencia. Esto normalmente significa un largo tiempo para despliegue. No muchos pa\u00edses cuentan con una o m\u00e1s de estas variables.<\/p>\n<p>La experiencia en Bolivia es \u00fanica. Este estudio busca describir las \u00e1reas de \u00e9xito y \u00e1reas para mejor\u00edas. Esperamos que el escenario y los aprendizajes puedan servir a otros pa\u00edses de Latinoam\u00e9rica como un punto de partida para discusiones similares a su tiempo.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En los \u00faltimos a\u00f1os el programa Dinero M\u00f3vil ha destacado el crecimiento de la relevancia de la integraci\u00f3n banco-a-m\u00f3vil y los m\u00faltiples m\u00e9todos <\/p>\n","protected":false},"author":3,"featured_media":21565,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[45,35],"tags":[],"algolia_discover_type":[],"class_list":["post-21566","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-newsspa","category-sin-categorizar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.3 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Interoperabilidad de dinero m\u00f3vil en Bolivia \u2013 un estudio de caso para Latinoam\u00e9rica | GSMA Am\u00e9rica Latina y el Caribe<\/title>\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.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Interoperabilidad de dinero m\u00f3vil en Bolivia \u2013 un estudio de caso para Latinoam\u00e9rica | GSMA Am\u00e9rica Latina y el Caribe\" \/>\n<meta property=\"og:description\" content=\"En los \u00faltimos a\u00f1os el programa Dinero M\u00f3vil ha destacado el crecimiento de la relevancia de la integraci\u00f3n banco-a-m\u00f3vil y los m\u00faltiples m\u00e9todos\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/\" \/>\n<meta property=\"og:site_name\" content=\"GSMA Am\u00e9rica Latina y el Caribe\" \/>\n<meta property=\"article:published_time\" content=\"2018-04-04T19:03:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-24T15:27:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.gsma.com\/about-us\/regions\/latin-america\/wp-content\/uploads\/2018\/04\/Bolivia-report-header_650x320.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"650\" \/>\n\t<meta property=\"og:image:height\" content=\"320\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"tskinner\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@gsma\" \/>\n<meta name=\"twitter:site\" content=\"@gsma\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"tskinner\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Interoperabilidad de dinero m\u00f3vil en Bolivia \u2013 un estudio de caso para Latinoam\u00e9rica | GSMA Am\u00e9rica Latina y el Caribe","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/","og_locale":"es_ES","og_type":"article","og_title":"Interoperabilidad de dinero m\u00f3vil en Bolivia \u2013 un estudio de caso para Latinoam\u00e9rica | GSMA Am\u00e9rica Latina y el Caribe","og_description":"En los \u00faltimos a\u00f1os el programa Dinero M\u00f3vil ha destacado el crecimiento de la relevancia de la integraci\u00f3n banco-a-m\u00f3vil y los m\u00faltiples m\u00e9todos","og_url":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/","og_site_name":"GSMA Am\u00e9rica Latina y el Caribe","article_published_time":"2018-04-04T19:03:43+00:00","article_modified_time":"2025-11-24T15:27:51+00:00","og_image":[{"width":650,"height":320,"url":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america\/wp-content\/uploads\/2018\/04\/Bolivia-report-header_650x320.jpg","type":"image\/jpeg"}],"author":"tskinner","twitter_card":"summary_large_image","twitter_creator":"@gsma","twitter_site":"@gsma","twitter_misc":{"Escrito por":"tskinner","Tiempo de lectura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/#article","isPartOf":{"@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/"},"author":{"name":"tskinner","@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/#\/schema\/person\/c3fabbd94571037adefc525b0dec1fc3"},"headline":"Interoperabilidad de dinero m\u00f3vil en Bolivia \u2013 un estudio de caso para Latinoam\u00e9rica","datePublished":"2018-04-04T19:03:43+00:00","dateModified":"2025-11-24T15:27:51+00:00","mainEntityOfPage":{"@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/"},"wordCount":370,"publisher":{"@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/#organization"},"image":{"@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/#primaryimage"},"thumbnailUrl":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/wp-content\/uploads\/2018\/04\/Bolivia-report-header_650x320.jpg","articleSection":["newsspa","Sin categorizar"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/","url":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/","name":"Interoperabilidad de dinero m\u00f3vil en Bolivia \u2013 un estudio de caso para Latinoam\u00e9rica | GSMA Am\u00e9rica Latina y el Caribe","isPartOf":{"@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/#primaryimage"},"image":{"@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/#primaryimage"},"thumbnailUrl":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/wp-content\/uploads\/2018\/04\/Bolivia-report-header_650x320.jpg","datePublished":"2018-04-04T19:03:43+00:00","dateModified":"2025-11-24T15:27:51+00:00","inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/dinero-movil-bolivia\/#primaryimage","url":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/wp-content\/uploads\/2018\/04\/Bolivia-report-header_650x320.jpg","contentUrl":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/wp-content\/uploads\/2018\/04\/Bolivia-report-header_650x320.jpg","width":650,"height":320},{"@type":"WebSite","@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/#website","url":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/","name":"GSMA Latin America and the Caribbean","description":"GSMA Am\u00e9rica Latina y el Caribe","publisher":{"@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/#organization","name":"GSMA","url":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/#\/schema\/logo\/image\/","url":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/wp-content\/uploads\/2024\/09\/GSMA-Logo-Red-RGB_square.jpg","contentUrl":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/wp-content\/uploads\/2024\/09\/GSMA-Logo-Red-RGB_square.jpg","width":600,"height":600,"caption":"GSMA"},"image":{"@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/gsma"]},{"@type":"Person","@id":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/#\/schema\/person\/c3fabbd94571037adefc525b0dec1fc3","name":"tskinner","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/599006af04a788c71b0d376c8f0ecade657ce58a9ba538aa56461964313de011?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/599006af04a788c71b0d376c8f0ecade657ce58a9ba538aa56461964313de011?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/599006af04a788c71b0d376c8f0ecade657ce58a9ba538aa56461964313de011?s=96&d=mm&r=g","caption":"tskinner"}}]}},"jetpack_publicize_connections":[],"featured_image_url":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/wp-content\/uploads\/2018\/04\/Bolivia-report-header_650x320.jpg","jetpack_shortlink":"https:\/\/wp.me\/p3mooC-5BQ","jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/wp-content\/uploads\/2018\/04\/Bolivia-report-header_650x320.jpg","_links":{"self":[{"href":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/wp-json\/wp\/v2\/posts\/21566","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/wp-json\/wp\/v2\/comments?post=21566"}],"version-history":[{"count":3,"href":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/wp-json\/wp\/v2\/posts\/21566\/revisions"}],"predecessor-version":[{"id":47797,"href":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/wp-json\/wp\/v2\/posts\/21566\/revisions\/47797"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/wp-json\/wp\/v2\/media\/21565"}],"wp:attachment":[{"href":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/wp-json\/wp\/v2\/media?parent=21566"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/wp-json\/wp\/v2\/categories?post=21566"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/wp-json\/wp\/v2\/tags?post=21566"},{"taxonomy":"algolia_discover_type","embeddable":true,"href":"https:\/\/www.gsma.com\/about-us\/regions\/latin-america-and-the-caribbean\/es\/wp-json\/wp\/v2\/algolia_discover_type?post=21566"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}