{"id":32677,"date":"2026-06-02T09:00:51","date_gmt":"2026-06-02T08:00:51","guid":{"rendered":"https:\/\/smart.stream\/el-rapido-crecimiento-de-los-pagos-en-africa-requiere-ya-una-infraestructura-preparada-para-las-excepciones\/"},"modified":"2026-06-02T09:00:51","modified_gmt":"2026-06-02T08:00:51","slug":"el-rapido-crecimiento-de-los-pagos-en-africa-requiere-ya-una-infraestructura-preparada-para-las-excepciones","status":"publish","type":"post","link":"https:\/\/smart.stream\/es\/el-rapido-crecimiento-de-los-pagos-en-africa-requiere-ya-una-infraestructura-preparada-para-las-excepciones\/","title":{"rendered":"El r\u00e1pido crecimiento de los pagos en \u00c1frica requiere ya una infraestructura preparada para las excepciones"},"content":{"rendered":"<div class=\"right\">\n<p>Por Richard Fisher, ejecutivo s\u00e9nior de ventas para \u00c1frica<\/p>\n<\/div>\n<h4>C\u00f3mo Smart Payments respalda las realidades destacadas en Swift Connect Africa 2026<\/h4>\n<div class=\"right\">\n<p>El ecosistema de pagos de \u00c1frica est\u00e1 experimentando una transformaci\u00f3n dr\u00e1stica. La innovaci\u00f3n en tecnofinanzas, las carteras m\u00f3viles y la modernizaci\u00f3n de los pagos regionales est\u00e1n acelerando la adopci\u00f3n m\u00e1s r\u00e1pido de lo que la infraestructura subyacente puede adaptarse. Este tema es el eje central hoy en Swift Connect Africa, donde las sesiones de apertura dejan claro que el r\u00e1pido crecimiento de los pagos en \u00c1frica se ve impulsado menos por una infraestructura perfecta y m\u00e1s por la adopci\u00f3n de los usuarios, las carteras m\u00f3viles y las soluciones pragm\u00e1ticas a gran escala.  <\/p>\n<p>En todo el continente, el impulso es innegable, pero tambi\u00e9n lo son las grietas que empiezan a aparecer. La mayor rapidez de los pagos ha creado <strong>m\u00e1s presi\u00f3n, m\u00e1s interrupciones y m\u00e1s excepciones<\/strong> de las que los modelos operativos heredados pueden gestionar. Las instituciones actuales deben navegar por <strong>v\u00edas fragmentadas, procesos inconsistentes, formatos de mensaje no estructurados y unas expectativas de servicio sin precedentes<\/strong>. Las excepciones que antes tardaban d\u00edas en resolverse ahora deben abordarse en cuesti\u00f3n de horas.   <\/p>\n<\/div>\n<h4>Por qu\u00e9 las excepciones se est\u00e1n volviendo m\u00e1s dif\u00edciles, no m\u00e1s f\u00e1ciles<\/h4>\n<div class=\"right\">\n<p>La nueva era de los pagos ha desplazado el centro de gravedad operativo. Los pagos instant\u00e1neos, el enriquecimiento de la norma ISO 20022 y la complejidad de las m\u00faltiples v\u00edas significan que cada transacci\u00f3n conlleva ahora una mayor carga de datos. A medida que aumentan los vol\u00famenes, tambi\u00e9n lo hacen las excepciones.  <\/p>\n<p>Las instituciones de toda \u00c1frica se enfrentan a cinco retos sist\u00e9micos:<\/p>\n<ul>\n<li><strong>Mensajer\u00eda de formato libre no estructurada<\/strong>, que obliga a los equipos a interpretar manualmente cada caso<\/li>\n<li><strong>Cadenas complejas con m\u00faltiples intermediarios<\/strong>, habituales en los corredores transfronterizos<\/li>\n<li><strong>Transparencia limitada en tiempo real<\/strong>, lo que genera bucles de seguimiento e incertidumbre<\/li>\n<li><strong>Alto coste de servicio<\/strong>, derivado de las repeticiones de trabajos, los retrasos y la duplicaci\u00f3n de esfuerzos<\/li>\n<li><strong>Tensi\u00f3n operativa<\/strong>, ya que los equipos de investigaci\u00f3n especializados se enfrentan a una presi\u00f3n cada vez mayor<\/li>\n<\/ul>\n<p>En mercados que escalan r\u00e1pidamente por delante de la infraestructura, estos puntos cr\u00edticos no se mantienen bajo control por mucho tiempo. Se convierten en riesgos estructurales. <\/p>\n<\/div>\n<h4>C\u00f3mo Smart Payments crea un entorno preparado para las excepciones<\/h4>\n<div class=\"right\">\n<p><a href=\"https:\/\/smart.stream\/es\/solutions\/smart-payments\/\">Smart Payments ofrece la madurez operativa necesaria para respaldar la pr\u00f3xima d\u00e9cada de crecimiento de \u00c1frica.<\/a> Proporciona una capa unificada de gesti\u00f3n de excepciones en todas las v\u00edas, incluidos SWIFT, LBTR, pagos instant\u00e1neos y sistemas nacionales, eliminando los silos que hacen que la resoluci\u00f3n entre instituciones sea tan costosa.<\/p>\n<p>Los flujos de trabajo de excepciones nativos de la norma ISO 20022 sustituyen a la mensajer\u00eda de formato libre, garantizando claridad, coherencia y precisi\u00f3n en cada caso. La visibilidad en tiempo real y el enrutamiento automatizado permiten a las instituciones realizar un seguimiento del estado de los pagos, detectar problemas a tiempo y dirigir los casos a la parte adecuada, reduciendo los intermediarios y los retrasos en el proceso. Las comprobaciones previas, la validaci\u00f3n, los recordatorios autom\u00e1ticos y las derivaciones basadas en ANS trabajan conjuntamente para reducir significativamente los tiempos de resoluci\u00f3n. Adem\u00e1s, la conciliaci\u00f3n y las alertas integradas crean un bucle operativo cerrado que reduce tanto el esfuerzo de investigaci\u00f3n como las fugas financieras posteriores.   <\/p>\n<\/div>\n<h4>El resultado: un ecosistema de pagos dise\u00f1ado para el escalado<\/h4>\n<div class=\"right\">\n<p><a href=\"https:\/\/smart.stream\/es\/solutions\/smart-payments\/\">Con Smart Payments, las instituciones africanas pueden lograr tiempos de investigaci\u00f3n y resoluci\u00f3n hasta un <strong>75-80 % m\u00e1s r\u00e1pidos<\/strong><\/a>, menores costes operativos y de liquidez, y una experiencia del cliente sustancialmente mejor, especialmente para las empresas presentes hoy aqu\u00ed que exigen claridad en tiempo real a sus socios bancarios.<\/p>\n<p>Esta es la base operativa que \u00c1frica necesita a medida que avanza <em>de la <\/em><em>visi\u00f3n a la velocidad<\/em><em>.<\/em><\/p>\n<p><a href=\"https:\/\/smart.stream\/es\/solutions\/smart-payments\/\">Para obtener m\u00e1s informaci\u00f3n, visite nuestra descripci\u00f3n general de la soluci\u00f3n para Smart Payments.<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Por Richard Fisher, ejecutivo s\u00e9nior de ventas para \u00c1frica C\u00f3mo Smart Payments respalda las realidades destacadas en Swift Connect Africa 2026 El ecosistema de pagos de \u00c1frica est\u00e1 experimentando una transformaci\u00f3n dr\u00e1stica. La innovaci\u00f3n en tecnofinanzas, las carteras m\u00f3viles y la modernizaci\u00f3n de los pagos regionales est\u00e1n acelerando la adopci\u00f3n m\u00e1s r\u00e1pido de lo que [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":32678,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"global_tag":[846,818,374,503,74,843],"class_list":["post-32677","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorised","global_tag-06-june-2026","global_tag-818","global_tag-blogs","global_tag-christophe-vastesaeger","global_tag-digital-payments","global_tag-smart-payments"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"La mayor rapidez de los pagos en \u00c1frica est\u00e1 generando m\u00e1s excepciones de las que las operaciones heredadas pueden gestionar. Smartstream examina la brecha de infraestructura y c\u00f3mo cerrarla.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Reinold Beyer\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/smart.stream\/es\/el-rapido-crecimiento-de-los-pagos-en-africa-requiere-ya-una-infraestructura-preparada-para-las-excepciones\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 4.9.9\" \/>\n\t\t<meta property=\"og:locale\" content=\"es_ES\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Smartstream\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"La necesidad de una infraestructura preparada para las excepciones | Smartstream\" \/>\n\t\t<meta property=\"og:description\" content=\"La mayor rapidez de los pagos en \u00c1frica est\u00e1 generando m\u00e1s excepciones de las que las operaciones heredadas pueden gestionar. 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