{"id":45812,"date":"2024-09-08T01:47:10","date_gmt":"2024-09-08T06:47:10","guid":{"rendered":"https:\/\/politicosaldesnudo.com.mx\/?p=45812"},"modified":"2024-09-08T01:47:10","modified_gmt":"2024-09-08T06:47:10","slug":"una-app-fintech-abre-a-tortillerias-las-puertas-que-los-bancos-cerraron","status":"publish","type":"post","link":"https:\/\/politicosaldesnudo.com.mx\/index.php\/2024\/09\/08\/una-app-fintech-abre-a-tortillerias-las-puertas-que-los-bancos-cerraron\/","title":{"rendered":"Una app fintech abre a tortiller\u00edas las puertas que los bancos cerraron"},"content":{"rendered":"
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Los productores de tortilla de M\u00e9xico forjaron su negocio aun cuando los bancos les cerraban las puertas, pero la tecnolog\u00eda les abri\u00f3 otras para incursionar por primera vez en el mundo financiero, una tendencia que crece en Am\u00e9rica Latina.<\/span><\/p>\n

Reacios adem\u00e1s a las formalidades empresariales, los tortilleros, presentes en cada barrio mexicano, desarrollaron una aplicaci\u00f3n m\u00f3vil que les permite cobrar sus productos con tarjetas, c\u00f3digos QR o con el n\u00famero de celular.<\/span><\/p>\n

Con esta tecnolog\u00eda, tambi\u00e9n ofrecen a sus clientes un medio para hacer recargas telef\u00f3nicas o pagar servicios p\u00fablicos, a cambio de comisiones que les permitir\u00edan generar ingresos extra de 300 a mil 900 d\u00f3lares mensuales, estima el Consejo Nacional de la Tortilla (CNT), que concibi\u00f3 la\u00a0app\u00a0junto con la fintech Finsus.<\/span><\/p>\n

Para muchos usuarios es su primer v\u00ednculo con los circuitos financieros<\/span><\/p>\n

La herramienta supone para muchos su primer v\u00ednculo con los circuitos financieros en este pa\u00eds donde solo 49 por ciento de sus 129 millones de habitantes tiene cuenta bancaria e impera una gran informalidad laboral.<\/span><\/p>\n

Aunque est\u00e1 en fase de prueba, la aplicaci\u00f3n ya agiliza la labor de Abel Garc\u00eda, pr\u00f3spero productor de 60 a\u00f1os y con 25 en el negocio.<\/span><\/p>\n

Due\u00f1o de varias tortiller\u00edas, recuerda las dificultades que tuvo para emprender al no conseguir un pr\u00e9stamo bancario.<\/span><\/p>\n

\u201cAnteriormente era dif\u00edcil que dieran cr\u00e9dito. \u00a1Mucho muy dif\u00edcil!\u201d, recuerda Garc\u00eda en el populoso distrito capitalino de Iztapalapa, donde tiene sus establecimientos bajo la marca Soy de M\u00e9xico.<\/span><\/p>\n

Su \u00e9xito le dio finalmente acceso a los bancos, pero con limitaciones que terminaron por cansarlo. \u201cPor eso rompimos la chequera\u201d, dice, refiri\u00e9ndose a su distanciamiento del sistema bancario.<\/span><\/p>\n

Abriendo paso entre un sector que suele usar s\u00f3lo pagos en efectivo<\/span><\/p>\n

Ingrediente base de los tacos, la tortilla es consumida pr\u00e1cticamente por toda la poblaci\u00f3n, y su producci\u00f3n involucra de 110 mil a 135 mil negocios, de acuerdo con cifras oficiales y del gremio. Un kilo cuesta 20 pesos (un d\u00f3lar).<\/span><\/p>\n

Pero la mayor\u00eda de negocios est\u00e1 en la informalidad.<\/span><\/p>\n

En Ciudad de M\u00e9xico, por ejemplo, hay unas 18 mil tortiller\u00edas, y seg\u00fan el gobierno local solo 10.4 por ciento de esos comercios est\u00e1n registrados.<\/span><\/p>\n

Por ello es habitual que productores y clientes, sin acceso al sistema financiero, prefieran el efectivo.<\/span><\/p>\n

La m\u00e1s reciente encuesta (2021) de la Comisi\u00f3n Nacional Bancaria y de Valores (CNBV), el regulador del sector bancario, indica que 64 por ciento de los mexicanos prefiere el met\u00e1lico antes que el dinero pl\u00e1stico, mientras que solo la mitad de quienes tienen cuenta utiliza aplicaciones de pago.<\/span><\/p>\n

Mar\u00eda Adelaida Francisco, empleada de la tortiller\u00eda Abogados en la alcald\u00eda Tl\u00e1huac, nunca hab\u00eda tenido cuenta o\u00a0app\u00a0financiera hasta que Jorge Ram\u00edrez, su jefe, le sugiri\u00f3 usar la aplicaci\u00f3n del CNT.<\/span><\/p>\n

Por ah\u00ed \u201cpago la luz, le hago transferencia a mi patr\u00f3n\u201d, cuenta la mujer de 40 a\u00f1os.<\/span><\/p>\n

Algunos productores tambi\u00e9n rehuyen a los bancos, temerosos de tr\u00e1mites o deudas. \u201cTienen un poquito de miedo al tema de (la secretar\u00eda de) Hacienda o lo desconocen\u201d, explica Ram\u00edrez, abogado de 35 a\u00f1os, quien s\u00ed contribuye al fisco. Varios de sus ocho empleados ya utilizan la aplicaci\u00f3n para cobrar el sueldo.<\/span><\/p>\n

Un estudio del Banco Interamericano de Desarrollo (BID) y la compa\u00f1\u00eda Finnovista, difundido en junio pasado, se\u00f1ala que M\u00e9xico es el segundo pa\u00eds de la regi\u00f3n con el mayor n\u00famero de emprendimientos fintech, con 20 por ciento del total, por detr\u00e1s de Brasil (24 por ciento).<\/span><\/p>\n

De hecho el sector, integrado por compa\u00f1\u00edas que usan la tecnolog\u00eda para los servicios financieros, creci\u00f3 340 por ciento entre 2017 y 2023 en Am\u00e9rica Latina y el Caribe y supera las 3 mil empresas emergentes, indica el reporte.<\/span><\/p>\n

\u201cVuelta a la tortilla\u201d<\/span><\/p>\n

Pese a los avances, Homero L\u00f3pez Garc\u00eda, presidente del CNT, se\u00f1ala que la inserci\u00f3n financiera del gremio tortillero todav\u00eda es \u201cnula\u201d.<\/span><\/p>\n

\u201cLa banca no cree en la industria. Cuando busco proponerle esta situaci\u00f3n (la aplicaci\u00f3n), el 90 por ciento me mand\u00f3 al diablo\u201d, comenta.<\/span><\/p>\n

Pero la\u00a0app\u00a0puede cambiar esa historia.<\/span><\/p>\n

\u201cLe estamos dando la vuelta a la tortilla. Ellos (los agremiados) dicen ‘me gusta, lo entiendo’ y estamos entrando. Es revolucionar la industria\u201d, agrega L\u00f3pez, quien espera que la herramienta sea adoptada por 40 por ciento de los negocios en un a\u00f1o y alcance al 90 por ciento en tres.<\/span><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Los productores de tortilla de M\u00e9xico forjaron su negocio aun cuando los bancos les cerraban las puertas, pero la tecnolog\u00eda […]<\/p>\n","protected":false},"author":4,"featured_media":45813,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_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":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[2050],"tags":[],"class_list":["post-45812","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia"],"yoast_head":"\nUna app fintech abre a tortiller\u00edas las puertas que los bancos cerraron - 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El secretario de Defensa, Pete Hegseth, anunci\u00f3 que el empresario participar\u00e1 en una iniciativa destinada a determinar qu\u00e9 tecnolog\u00edas y sistemas militares podr\u00edan marcar las guerras de las pr\u00f3ximas d\u00e9cadas. 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La decisi\u00f3n fue comunicada mediante una carta enviada a Ignacio Mier, coordinador de la bancada morenista\u2026","rel":"","context":"En \u00abNACIONAL\u00bb","block_context":{"text":"NACIONAL","link":"https:\/\/politicosaldesnudo.com.mx\/index.php\/category\/nacional\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/politicosaldesnudo.com.mx\/wp-content\/uploads\/2026\/08\/inzunza-1.png?fit=1200%2C675&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/politicosaldesnudo.com.mx\/wp-content\/uploads\/2026\/08\/inzunza-1.png?fit=1200%2C675&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/politicosaldesnudo.com.mx\/wp-content\/uploads\/2026\/08\/inzunza-1.png?fit=1200%2C675&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/politicosaldesnudo.com.mx\/wp-content\/uploads\/2026\/08\/inzunza-1.png?fit=1200%2C675&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/politicosaldesnudo.com.mx\/wp-content\/uploads\/2026\/08\/inzunza-1.png?fit=1200%2C675&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/politicosaldesnudo.com.mx\/wp-content\/uploads\/2024\/09\/App-tortilla.jpg?fit=1280%2C720&ssl=1","_links":{"self":[{"href":"https:\/\/politicosaldesnudo.com.mx\/index.php\/wp-json\/wp\/v2\/posts\/45812","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/politicosaldesnudo.com.mx\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/politicosaldesnudo.com.mx\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/politicosaldesnudo.com.mx\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/politicosaldesnudo.com.mx\/index.php\/wp-json\/wp\/v2\/comments?post=45812"}],"version-history":[{"count":0,"href":"https:\/\/politicosaldesnudo.com.mx\/index.php\/wp-json\/wp\/v2\/posts\/45812\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/politicosaldesnudo.com.mx\/index.php\/wp-json\/wp\/v2\/media\/45813"}],"wp:attachment":[{"href":"https:\/\/politicosaldesnudo.com.mx\/index.php\/wp-json\/wp\/v2\/media?parent=45812"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/politicosaldesnudo.com.mx\/index.php\/wp-json\/wp\/v2\/categories?post=45812"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/politicosaldesnudo.com.mx\/index.php\/wp-json\/wp\/v2\/tags?post=45812"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}