Colombia enfrenta uno de los años más desafiantes en riesgos financieros: así buscan protegerse de fraudes
Colombia se prepara para un 2026 especialmente retador en materia de riesgos financieros. El aumento de esquemas de fraude digital, la evolución de riesgos operacionales y tecnológicos, la presión por nuevas exigencias regulatorias y un entorno macroeconómico incierto están configurando un escenario que exige a la banca replantear sus modelos tradicionales de gestión de riesgo.
TL;DR
- Financial institutions in Colombia are facing increased digital fraud, operational risks, and regulatory pressures heading into 2026.
- In the first half of 2025, over 218,000 claims for fraud were reported in financial channels.
- 97.7% of Colombians perceive fraud as a frequent problem, with 36.6% directly victimized in the past year.
- Traditional fixed-rule risk assessment is insufficient against rapidly changing risks; advanced analytics offer predictive capabilities.
- Generative AI can enhance risk management through advanced simulations, regulatory document processing, and virtual assistants.
- Key challenges for 2026 include meeting stricter IFRS 9 requirements, strengthening amortized cost models, and managing interest rate risk.
- Advanced analytics and AI, supported by robust governance, are essential for resilience and competitive advantage in the evolving financial landscape.