'Empresas de giros podrían pedir licencia como sociedades especializadas en depósitos y pagos electrónicos'

Carlos Alberto Ruiz Martínez, vicepresidente de Asuntos Corporativos de Asobancaria. Foto: Cortesía

'Empresas de giros podrían pedir licencia como sociedades especializadas en depósitos y pagos electrónicos'

TL;DR

  • A proposed decree by MinTIC would allow postal operators to offer savings-like accounts without financial regulation.
  • This would remove deposit insurance, leaving consumers unprotected in case of financial institution failure.
  • Concerns exist regarding weakened supervision for anti-money laundering and other financial risks.
  • Asobancaria urges the decree not to be enacted and suggests simplified licenses under existing financial oversight.
  • The Financial Superintendence and Bank of the Republic have a century of experience in supervision, which MinTIC may lack the capacity to replicate.
  • A parallel system could increase exposure to risk and damage public trust in financial confidence.