{"id":2899,"date":"2017-12-04T16:49:21","date_gmt":"2017-12-04T20:49:21","guid":{"rendered":"https:\/\/odecu.cl\/v2\/las-tarjetas-de-prepago-no-bancarias-aportaran-a-la-inclusion-financiera-de-los-chilenos\/"},"modified":"2017-12-04T16:49:21","modified_gmt":"2017-12-04T20:49:21","slug":"las-tarjetas-de-prepago-no-bancarias-aportaran-a-la-inclusion-financiera-de-los-chilenos","status":"publish","type":"post","link":"https:\/\/odecu.cl\/ticketera\/las-tarjetas-de-prepago-no-bancarias-aportaran-a-la-inclusion-financiera-de-los-chilenos\/","title":{"rendered":"Las Tarjetas de Prepago no bancarias aportar\u00e1n a la inclusi\u00f3n financiera de los chilenos"},"content":{"rendered":"<p><strong>La Superintendencia de Bancos e Instituciones Financieras, SBIF, public\u00f3 las circulares con las normas para que entidades no bancarias, como cooperativas, multitiendas, supermercados, e incluso el Metro puedan ofrecer este tipo de instrumentos.<\/strong><!--more--><\/p>\n<p>La Superintendencia de Bancos e Instituciones Financieras, SBIF, dio el vamos para que las empresas \\\u00bbno bancarias\\\u00bb puedan emitir sus propias tarjetas de prepago.<\/p>\n<p>Este nuevo instrumento financiero permitir\u00e1 que los usuarios puedan depositar su dinero, realizar transferencias y comprar en el comercio. En palabras simples, ser\u00e1 una especie de billetera electr\u00f3nica.<\/p>\n<p>Empresas como el Metro de Santiago, las Cajas de Compensaci\u00f3n y Cooperativas, entre otras, podr\u00e1n, por ejemplo, emitir una tarjeta \\\u00bbal portador\\\u00bb (tambi\u00e9n conocida como \\\u00bbinnominada\\\u00bb), la que podr\u00e1 ser recargada con hasta $20 mil.<\/p>\n<p>Adem\u00e1s, la normativa permitir\u00e1 que otros pl\u00e1sticos no recargables, cuenten con un monto m\u00e1ximo de $100 mil.<\/p>\n<p>En tanto, las tarjetas \\\u00bbnominadas\\\u00bb, que estar\u00e1n asociadas a una cuenta y una identidad, podr\u00e1n ser cargadas hasta con $500 mil, esto si se hace a distancia. Sin embargo, si se contrata en persona o con firma electr\u00f3nica, no tendr\u00e1n l\u00edmite de carga.<\/p>\n<p>En este contexto, Stefan Larenas, Presidente de la Organizaci\u00f3n de Consumidores y Usuarios de Chile, ODECU, se\u00f1al\u00f3 que este tipo de iniciativas \u201cpromueven y aportan a la inclusi\u00f3n financiera de los chilenos que no est\u00e1n bancarizados. Adem\u00e1s, al ser un instrumento que cuenta con su propia normativa, los consumidores y usuarios podr\u00e1n utilizarlas en forma segura y confiable en los comercios establecidos\u201d.<\/p>\n<p>El Presidente de ODECU agrega tambi\u00e9n que estas tarjetas permitir\u00e1n disminuir el uso de efectivo, lo que \u201ccontribuye a operaciones m\u00e1s seguras, sin la necesidad de cargar grandes cantidades de dinero. Adem\u00e1s si la persona ya no quiere usar la tarjeta entregada por una instituci\u00f3n, basta con que no le cargue m\u00e1s dinero y listo, nadie estar\u00e1 obligado a tener siempre la misma tarjeta, ni a realizar alg\u00fan pago por su cambio\u201d.<\/p>\n<p>Finalmente, las empresas pueden postular a emitir estas nuevas tarjetas deber\u00e1n cumplir con un requisito de capital y reserva de 25 mil UF (alrededor de $660 millones), adem\u00e1s de estar registradas en la SBIF.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Superintendencia de Bancos e Instituciones Financieras, SBIF, public\u00f3 las circulares con las normas para que entidades no bancarias, como cooperativas, multitiendas, supermercados, e incluso el Metro puedan ofrecer este tipo de instrumentos.<\/p>\n","protected":false},"author":6,"featured_media":9960,"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":"","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":"","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":[36,10],"tags":[],"class_list":["post-2899","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-destacados","category-noticias-odecu"],"_links":{"self":[{"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/posts\/2899","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/comments?post=2899"}],"version-history":[{"count":0,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/posts\/2899\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/media\/9960"}],"wp:attachment":[{"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/media?parent=2899"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/categories?post=2899"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/tags?post=2899"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}