{"id":1079,"date":"2026-03-10T08:00:05","date_gmt":"2026-03-10T13:00:05","guid":{"rendered":"https:\/\/perupayments.com\/?p=1079"},"modified":"2026-03-09T11:08:30","modified_gmt":"2026-03-09T16:08:30","slug":"finanzas-abiertas-peru-hoja-ruta-sbs","status":"publish","type":"post","link":"https:\/\/perupayments.com\/es\/finanzas-abiertas-peru-hoja-ruta-sbs\/","title":{"rendered":"Finanzas abiertas en el Per\u00fa: qu\u00e9 significa la hoja de ruta presentada por la SBS"},"content":{"rendered":"

La Superintendencia de Banca, Seguros y AFP (SBS)<\/a> present\u00f3,\u00a0al cierre de febrero,\u00a0la\u00a0Hoja de Ruta para la implementaci\u00f3n del Sistema de Finanzas Abiertas en el Per\u00fa<\/strong>, un paso clave en la modernizaci\u00f3n del sistema financiero.<\/p>\n

Este modelo busca cambiar la forma en que los usuarios interact\u00faan con sus datos financieros, promoviendo mayor competencia, innovaci\u00f3n y acceso a servicios financieros.<\/p>\n

\u00bfQu\u00e9 son las finanzas abiertas?<\/strong><\/h3>\n

Las finanzas abiertas permiten que\u00a0las personas decidan con qui\u00e9n compartir su informaci\u00f3n financiera<\/strong>, de forma segura y por el tiempo que determinen.<\/p>\n

El intercambio de datos se realiza mediante\u00a0interfaces tecnol\u00f3gicas estandarizadas (APIs)<\/strong>\u00a0que permiten conectar a distintos actores del sistema: bancos, fintechs, aseguradoras, cajas y otras entidades.<\/p>\n

En la pr\u00e1ctica, esto puede facilitar:<\/p>\n

    \n
  • Acceso a mejores ofertas de cr\u00e9dito,<\/li>\n
  • Servicios financieros m\u00e1s personalizados,<\/li>\n
  • Nuevas soluciones digitales para personas y peque\u00f1as empresas.<\/li>\n<\/ul>\n

    Las cuatro etapas del proceso<\/strong><\/h3>\n

    La hoja de ruta plantea una implementaci\u00f3n gradual:<\/p>\n

      \n
    1. Diagn\u00f3stico (2026)<\/strong>
      \nEvaluaci\u00f3n del estado actual del sistema y sus brechas regulatorias y tecnol\u00f3gicas.<\/li>\n
    2. Regulaci\u00f3n y est\u00e1ndares (2026\u20132027)<\/strong>
      \nDefinici\u00f3n del marco normativo, esquema de gobierno y especificaciones t\u00e9cnicas.<\/li>\n
    3. Banca abierta (2027\u20132029)<\/strong>
      \nInicio del intercambio de datos financieros entre entidades.<\/li>\n
    4. Finanzas abiertas (desde 2029)<\/strong>
      \nAmpliaci\u00f3n del modelo hacia m\u00e1s actores y sectores econ\u00f3micos.<\/li>\n<\/ol>\n

      El principio central ser\u00e1 claro:\u00a0los datos solo se compartir\u00e1n con autorizaci\u00f3n del usuario y bajo estrictos est\u00e1ndares de seguridad.<\/strong><\/p>\n

      Qu\u00e9 significa para el ecosistema<\/strong><\/h3>\n

      El sistema financiero peruano atraviesa un proceso de transformaci\u00f3n impulsado por pagos digitales, fintechs e interoperabilidad.<\/p>\n

      Las finanzas abiertas pueden acelerar esta evoluci\u00f3n al ampliar la competencia, facilitar el acceso al cr\u00e9dito y habilitar nuevos modelos de negocio basados en datos.<\/p>\n

      El rol del PPA en este proceso<\/strong><\/h3>\n

      En este contexto,\u00a0la articulaci\u00f3n del ecosistema ser\u00e1 fundamental<\/strong>.<\/p>\n

      Desde Per\u00fa Payments Association (PPA) se promover\u00e1n espacios de an\u00e1lisis t\u00e9cnico, di\u00e1logo p\u00fablico-privado y difusi\u00f3n de est\u00e1ndares que permitan acompa\u00f1ar la implementaci\u00f3n del modelo de finanzas abiertas.<\/p>\n

      El objetivo es contribuir a que esta transformaci\u00f3n se desarrolle\u00a0con altos est\u00e1ndares de seguridad, gobernanza y confianza<\/strong>, fortaleciendo un ecosistema de pagos m\u00e1s accesible, seguro y conectado para las personas y las empresas.<\/p>\n","protected":false},"excerpt":{"rendered":"

      La Superintendencia de Banca, Seguros y AFP (SBS) present\u00f3,\u00a0al cierre de febrero,\u00a0la\u00a0Hoja de Ruta para la implementaci\u00f3n del Sistema de […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","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":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-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":"","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-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":"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":""},"mobile":{"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":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1079","post","type-post","status-publish","format-standard","hentry","category-sin-categoria"],"yoast_head":"\nFinanzas abiertas en Per\u00fa: la hoja de ruta presentada por la SBS<\/title>\n<meta name=\"description\" content=\"Finanzas abiertas en Per\u00fa: la hoja de ruta de la SBS marca las etapas para implementar el intercambio seguro de datos financieros.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/perupayments.com\/es\/finanzas-abiertas-peru-hoja-ruta-sbs\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Finanzas abiertas en Per\u00fa: la hoja de ruta presentada por la SBS\" \/>\n<meta property=\"og:description\" content=\"Finanzas abiertas en Per\u00fa: la hoja de ruta de la SBS marca las etapas para implementar el intercambio seguro de datos financieros.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/perupayments.com\/es\/finanzas-abiertas-peru-hoja-ruta-sbs\/\" \/>\n<meta property=\"og:site_name\" content=\"PeruPayments\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-10T13:00:05+00:00\" \/>\n<meta name=\"author\" content=\"AdminPPayments\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"AdminPPayments\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/finanzas-abiertas-peru-hoja-ruta-sbs\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/finanzas-abiertas-peru-hoja-ruta-sbs\\\/\"},\"author\":{\"name\":\"AdminPPayments\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#\\\/schema\\\/person\\\/99faf0e537a7617e3f61728da1c73738\"},\"headline\":\"Finanzas abiertas en el Per\u00fa: qu\u00e9 significa la hoja de ruta presentada por la SBS\",\"datePublished\":\"2026-03-10T13:00:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/finanzas-abiertas-peru-hoja-ruta-sbs\\\/\"},\"wordCount\":399,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#organization\"},\"inLanguage\":\"es-PE\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/perupayments.com\\\/es\\\/finanzas-abiertas-peru-hoja-ruta-sbs\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/finanzas-abiertas-peru-hoja-ruta-sbs\\\/\",\"url\":\"https:\\\/\\\/perupayments.com\\\/es\\\/finanzas-abiertas-peru-hoja-ruta-sbs\\\/\",\"name\":\"Finanzas abiertas en Per\u00fa: la hoja de ruta presentada por la SBS\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#website\"},\"datePublished\":\"2026-03-10T13:00:05+00:00\",\"description\":\"Finanzas abiertas en Per\u00fa: la hoja de ruta de la SBS marca las etapas para implementar el intercambio seguro de datos financieros.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/finanzas-abiertas-peru-hoja-ruta-sbs\\\/#breadcrumb\"},\"inLanguage\":\"es-PE\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/perupayments.com\\\/es\\\/finanzas-abiertas-peru-hoja-ruta-sbs\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/finanzas-abiertas-peru-hoja-ruta-sbs\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/perupayments.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Finanzas abiertas en el Per\u00fa: qu\u00e9 significa la hoja de ruta presentada por la SBS\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#website\",\"url\":\"https:\\\/\\\/perupayments.com\\\/es\\\/\",\"name\":\"PeruPayments\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/perupayments.com\\\/es\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es-PE\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#organization\",\"name\":\"PeruPayments\",\"url\":\"https:\\\/\\\/perupayments.com\\\/es\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es-PE\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/perupayments.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/logoPP.png\",\"contentUrl\":\"https:\\\/\\\/perupayments.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/logoPP.png\",\"width\":800,\"height\":252,\"caption\":\"PeruPayments\"},\"image\":{\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/company\\\/peru-payments-association\\\/about\\\/?viewAsMember=true\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/perupayments.com\\\/es\\\/#\\\/schema\\\/person\\\/99faf0e537a7617e3f61728da1c73738\",\"name\":\"AdminPPayments\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es-PE\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b63f8a2d7fcdf9efece088c326935f012302120cee237e50edeff9954b36cca7?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b63f8a2d7fcdf9efece088c326935f012302120cee237e50edeff9954b36cca7?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b63f8a2d7fcdf9efece088c326935f012302120cee237e50edeff9954b36cca7?s=96&d=mm&r=g\",\"caption\":\"AdminPPayments\"},\"sameAs\":[\"https:\\\/\\\/perupayments.com\"],\"url\":\"https:\\\/\\\/perupayments.com\\\/es\\\/author\\\/adminppayments\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Finanzas abiertas en Per\u00fa: la hoja de ruta presentada por la SBS","description":"Finanzas abiertas en Per\u00fa: la hoja de ruta de la SBS marca las etapas para implementar el intercambio seguro de datos financieros.","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:\/\/perupayments.com\/es\/finanzas-abiertas-peru-hoja-ruta-sbs\/","og_locale":"es_ES","og_type":"article","og_title":"Finanzas abiertas en Per\u00fa: la hoja de ruta presentada por la SBS","og_description":"Finanzas abiertas en Per\u00fa: la hoja de ruta de la SBS marca las etapas para implementar el intercambio seguro de datos financieros.","og_url":"https:\/\/perupayments.com\/es\/finanzas-abiertas-peru-hoja-ruta-sbs\/","og_site_name":"PeruPayments","article_published_time":"2026-03-10T13:00:05+00:00","author":"AdminPPayments","twitter_card":"summary_large_image","twitter_misc":{"Written by":"AdminPPayments","Est. reading time":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/perupayments.com\/es\/finanzas-abiertas-peru-hoja-ruta-sbs\/#article","isPartOf":{"@id":"https:\/\/perupayments.com\/es\/finanzas-abiertas-peru-hoja-ruta-sbs\/"},"author":{"name":"AdminPPayments","@id":"https:\/\/perupayments.com\/es\/#\/schema\/person\/99faf0e537a7617e3f61728da1c73738"},"headline":"Finanzas abiertas en el Per\u00fa: qu\u00e9 significa la hoja de ruta presentada por la SBS","datePublished":"2026-03-10T13:00:05+00:00","mainEntityOfPage":{"@id":"https:\/\/perupayments.com\/es\/finanzas-abiertas-peru-hoja-ruta-sbs\/"},"wordCount":399,"commentCount":0,"publisher":{"@id":"https:\/\/perupayments.com\/es\/#organization"},"inLanguage":"es-PE","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/perupayments.com\/es\/finanzas-abiertas-peru-hoja-ruta-sbs\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/perupayments.com\/es\/finanzas-abiertas-peru-hoja-ruta-sbs\/","url":"https:\/\/perupayments.com\/es\/finanzas-abiertas-peru-hoja-ruta-sbs\/","name":"Finanzas abiertas en Per\u00fa: la hoja de ruta presentada por la SBS","isPartOf":{"@id":"https:\/\/perupayments.com\/es\/#website"},"datePublished":"2026-03-10T13:00:05+00:00","description":"Finanzas abiertas en Per\u00fa: la hoja de ruta de la SBS marca las etapas para implementar el intercambio seguro de datos financieros.","breadcrumb":{"@id":"https:\/\/perupayments.com\/es\/finanzas-abiertas-peru-hoja-ruta-sbs\/#breadcrumb"},"inLanguage":"es-PE","potentialAction":[{"@type":"ReadAction","target":["https:\/\/perupayments.com\/es\/finanzas-abiertas-peru-hoja-ruta-sbs\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/perupayments.com\/es\/finanzas-abiertas-peru-hoja-ruta-sbs\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/perupayments.com\/"},{"@type":"ListItem","position":2,"name":"Finanzas abiertas en el Per\u00fa: qu\u00e9 significa la hoja de ruta presentada por la SBS"}]},{"@type":"WebSite","@id":"https:\/\/perupayments.com\/es\/#website","url":"https:\/\/perupayments.com\/es\/","name":"PeruPayments","description":"","publisher":{"@id":"https:\/\/perupayments.com\/es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/perupayments.com\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es-PE"},{"@type":"Organization","@id":"https:\/\/perupayments.com\/es\/#organization","name":"PeruPayments","url":"https:\/\/perupayments.com\/es\/","logo":{"@type":"ImageObject","inLanguage":"es-PE","@id":"https:\/\/perupayments.com\/es\/#\/schema\/logo\/image\/","url":"https:\/\/perupayments.com\/wp-content\/uploads\/2024\/12\/logoPP.png","contentUrl":"https:\/\/perupayments.com\/wp-content\/uploads\/2024\/12\/logoPP.png","width":800,"height":252,"caption":"PeruPayments"},"image":{"@id":"https:\/\/perupayments.com\/es\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/peru-payments-association\/about\/?viewAsMember=true"]},{"@type":"Person","@id":"https:\/\/perupayments.com\/es\/#\/schema\/person\/99faf0e537a7617e3f61728da1c73738","name":"AdminPPayments","image":{"@type":"ImageObject","inLanguage":"es-PE","@id":"https:\/\/secure.gravatar.com\/avatar\/b63f8a2d7fcdf9efece088c326935f012302120cee237e50edeff9954b36cca7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b63f8a2d7fcdf9efece088c326935f012302120cee237e50edeff9954b36cca7?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b63f8a2d7fcdf9efece088c326935f012302120cee237e50edeff9954b36cca7?s=96&d=mm&r=g","caption":"AdminPPayments"},"sameAs":["https:\/\/perupayments.com"],"url":"https:\/\/perupayments.com\/es\/author\/adminppayments\/"}]}},"_links":{"self":[{"href":"https:\/\/perupayments.com\/es\/wp-json\/wp\/v2\/posts\/1079","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/perupayments.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/perupayments.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/perupayments.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/perupayments.com\/es\/wp-json\/wp\/v2\/comments?post=1079"}],"version-history":[{"count":4,"href":"https:\/\/perupayments.com\/es\/wp-json\/wp\/v2\/posts\/1079\/revisions"}],"predecessor-version":[{"id":1083,"href":"https:\/\/perupayments.com\/es\/wp-json\/wp\/v2\/posts\/1079\/revisions\/1083"}],"wp:attachment":[{"href":"https:\/\/perupayments.com\/es\/wp-json\/wp\/v2\/media?parent=1079"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/perupayments.com\/es\/wp-json\/wp\/v2\/categories?post=1079"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/perupayments.com\/es\/wp-json\/wp\/v2\/tags?post=1079"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}