¿Qué es una inversión sostenible? Una inversión sostenible es aquella que, además de analizar aspectos financieros como la rentabilidad o el riesgo, incorpora factores ambientales, sociales y de gobernanza (ESG) en el proceso de toma de decisiones.
¿Qué es una inversión sostenible? Una inversión sostenible es aquella que, además de analizar aspectos financieros como la rentabilidad o el riesgo, incorpora factores ambientales, sociales y de gobernanza (ESG) en el proceso de toma de decisiones.
La entrada Qué es una inversión sostenible y qué criterios debe cumplir se publicó primero en EALDE Business School.
En contexto
- Tema: Banca y Fintech — Banca digital, pagos, open banking y regulación financiera.
- Fuente: EALDE Business School
- Publicado: 13/08/2026
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Why it matters
In payments, innovation always runs one step ahead of regulation and two steps ahead of the systems that have to support it. That gap is where the business is decided: whoever closes it without breaking compliance takes the market.
I read these stories with two questions on top: what happens to cost per transaction and what happens to risk. If cost drops but risk rises without anybody measuring it, the saving is borrowed and gets repaid with interest on the day of the first incident.
What usually goes wrong
Where it usually breaks is customer service. The product launches, the support team finds out the week before, and when somebody calls because the money did not arrive nobody knows what to tell them. Trust is lost there, not in the technical outage that caused it.
What to watch
- Which part of the customer relationship ends up with a third party and whether that is reversible.
- What happens to cost per transaction at real volume, which is where the business is decided.
- How daily reconciliation is left, which is where the cases nobody modelled show up.
How I read this entry
What I would ask for before approving something like this is the plan for when it fails: how the customer gets their money back, in what timeframe, who authorises it and what they are told meanwhile. In payments, the quality of the recovery matters more than the quality of the happy path.
The original story is published in another language; the excerpt is quoted as the publisher delivers it and the commentary is written in English.
Living through this in your own team?
Open the chat and tell me how you're handling it. I'm interested in comparing notes.
