{"id":36818,"date":"2019-03-25T16:27:29","date_gmt":"2019-03-25T21:27:29","guid":{"rendered":"https:\/\/l21.mx\/?p=36818"},"modified":"2019-03-25T17:37:46","modified_gmt":"2019-03-25T22:37:46","slug":"el-futuro-proximo-del-sistema-de-cobro-digital-codi","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=36818","title":{"rendered":"El futuro pr\u00f3ximo del sistema de Cobro Digital (CoDi)"},"content":{"rendered":"\n<p>En el marco de la 82 Convenci\u00f3n Bancaria, el pasado jueves se present\u00f3 el nuevo sistema de<strong>&nbsp;Cobro Digital (CoDi)&nbsp;<\/strong>con celular, el cual de acuerdo con Alejandro D\u00edaz de Le\u00f3n, gobernador del Banco de M\u00e9xico (Banxico), busca aprovechar la penetraci\u00f3n de los smartphones para promover la inclusi\u00f3n financiera.<\/p>\n\n\n\n<p>El CoDi \u2013que se masificar\u00e1 al usar la infraestructura del\u00a0<strong>Banxico<\/strong>\u00a0con plataformas como SPEI\u2013 permitir\u00e1 a los usuarios con cuenta de d\u00e9bito o cr\u00e9dito pagar en diferentes comercios v\u00eda tel\u00e9fono m\u00f3vil en tiempo real y sin comisiones, mediante un c\u00f3dig<strong><em>o QR \u2013quick response\u00a0<\/em><\/strong>o respuesta r\u00e1pida\u2013 que cuenta con la informaci\u00f3n bancaria del tarjetahabiente y que es generado a trav\u00e9s de una aplicaci\u00f3n m\u00f3vil.<\/p>\n\n\n\n<p>Para que est\u00e9 sistema opere adecuadamente y sea atractivo para comercios y clientes, el Banco de M\u00e9xico y entidades bancarias acordaron dos caracter\u00edsticas muy importantes: <\/p>\n\n\n\n<p>la primera de ellas es que todos los pagos de menos de 8,000 pesos sean gratis. La importancia de esto radica en que actualmente m\u00e1s de 80% de las operaciones de pago que se realizan en el pa\u00eds encaja perfectamente en esa cantidad, con lo cual se abarca el grueso de la poblaci\u00f3n.<\/p>\n\n\n\n<p>La segunda es que el esquema de mensajeria detras del CoDi, ya que,  en cuanto el usuario realice el pago a trav\u00e9s de esta herramienta, recibir\u00e1 una notificaci\u00f3n de que su dinero lleg\u00f3 a la cuenta del establecimiento y el comercio, y a su vez un aviso de que el pago est\u00e1 hecho <\/p>\n\n\n\n<p>Una caracter\u00edstica adicional es la posibilidad de pagar con un tel\u00e9fono inteligente, para que atrav\u00e9s de la c\u00e1mara pueda escanear el c\u00f3digo QR, con lo cual autom\u00e1ticamente se genera la descarga del dinero de una cuenta a otra.  <\/p>\n\n\n\n<p>De acuerdo con el Inegi, en el pa\u00ed<strong>s 64.7 millones de personas tiene un smartphone<\/strong>&nbsp;y de ellos 38.6 por ciento son usuarios de banca electr\u00f3nica, un mercado que potencialmente podr\u00e1 adoptar el CoDi.<\/p>\n\n\n\n<p>Sin embargo, en M\u00e9xico casi<strong>&nbsp;9 de cada 10 compras se hacen con efectivo<\/strong>&nbsp;y el resto con d\u00e9bito, cr\u00e9dito u otro m\u00e9todo de cobro, de acuerdo con el Banxico.<\/p>\n\n\n\n<p>El gobernador del banco central revel\u00f3 que actualmente hay\u00a0<strong>6 bancos que participan en una prueba piloto de CoDi\u00a0<\/strong>y que para finales de septiembre de este a\u00f1o el sistema ser\u00e1 obligatorio para todas las instituciones financieras con m\u00e1s de 3 mil cuentas en operaci\u00f3n.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"931\" src=\"\/\/i0.wp.com\/l21.mx\/wp-content\/uploads\/2019\/03\/CoDi-1024x931.jpg\" alt=\"\" class=\"wp-image-36819\" srcset=\"https:\/\/l21.mx\/wp-content\/uploads\/2019\/03\/CoDi-1024x931.jpg 1024w, https:\/\/l21.mx\/wp-content\/uploads\/2019\/03\/CoDi-300x273.jpg 300w, https:\/\/l21.mx\/wp-content\/uploads\/2019\/03\/CoDi-768x698.jpg 768w, https:\/\/l21.mx\/wp-content\/uploads\/2019\/03\/CoDi-585x532.jpg 585w, https:\/\/l21.mx\/wp-content\/uploads\/2019\/03\/CoDi.jpg 1030w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Su implementaci\u00f3n forma parte de la estrategia del presidente de M\u00e9xico, Andr\u00e9s Manuel L\u00f3pez Obrador, de fomentar la\u00a0<strong>inclusi\u00f3n financiera y digital,\u00a0<\/strong>adem\u00e1s de reducir el uso de efectivo para combatir la evasi\u00f3n fiscal y el lavado de dinero. <\/p>\n\n\n\n<p><strong>Expertos prev\u00e9n que el lanzamiento de Banxico dar\u00e1 una ventaja a comercios como Walmart, Oxxo y Mercado Libre, que desde hace unos meses usan el cobro por celular.<\/strong><\/p>\n\n\n\n<p>\u201cHa sorprendido la penetraci\u00f3n del uso de smartphones y en realidad hay un mercado hambriento de hacer estas transacciones,<strong>&nbsp;tienen muchas ventajas&nbsp;<\/strong>al ampliar canales de acceso comercial a los clientes, adem\u00e1s de la recolecci\u00f3n de datos para campa\u00f1as comerciales\u201d, indic\u00f3 Valent\u00edn Mendoza, analista de Banorte Casa de Bolsa.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En el marco de la 82 Convenci\u00f3n Bancaria, el pasado jueves se present\u00f3 el nuevo sistema&hellip;<\/p>\n","protected":false},"author":69,"featured_media":36820,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[4,23,475],"tags":[],"class_list":["post-36818","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-empresas-y-negocios","category-noticias","category-tech-21"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>El 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