{"id":44504,"date":"2023-07-21T09:30:41","date_gmt":"2023-07-21T07:30:41","guid":{"rendered":"https:\/\/vintegris.com\/blog\/javier-natividad-explica-a-silicon-com-lscoring-creditici-en-temps-real-agilitza-i-assegura-el-proces-davaluacio-financera\/"},"modified":"2025-12-10T11:13:34","modified_gmt":"2025-12-10T10:13:34","slug":"javier-natividad-explica-a-silicon-com-lscoring-creditici-en-temps-real-agilitza-i-assegura-el-proces-davaluacio-financera","status":"publish","type":"post","link":"https:\/\/vintegris.com\/ca\/blog\/javier-natividad-explica-a-silicon-com-lscoring-creditici-en-temps-real-agilitza-i-assegura-el-proces-davaluacio-financera\/","title":{"rendered":"Javier Natividad explica a SILICON com l’scoring creditici en temps real, agilitza i assegura el proc\u00e9s d’avaluaci\u00f3 financera"},"content":{"rendered":"
\"Article
Javier Natividad, Director Comercial de Vintegrsis<\/strong><\/figcaption><\/figure>\n

En aquesta<\/b> tribuna, Javier Natividad, director comercial de V\u00edntegris, explica com l’scoring bancari<\/b> estalvia temps i aporta seguretat al sector.<\/b><\/p>\n

Encara que el terme \u201cscoring bancari\u201d soni t\u00e8cnic, la realitat \u00e9s que bona part dels ciutadans hem estat objecte d’almenys un al llarg de la nostra vida. Aquest tecnicisme fa al\u00b7lusi\u00f3 a l’avaluaci\u00f3 que els bancs i les entitats financeres realitzen sobre el nostre perfil de risc creditici per aprovar o no la concessi\u00f3 dels productes que ofereixen: cr\u00e8dits, hipoteques, assegurances, etc. <\/span><\/p>\n

El risc creditici \u00e9s el factor que ha de ser valorat i que l’entitat exigeix \u200b\u200bper garantir-ne la rendibilitat abans de concedir un servei, ja sigui una persona f\u00edsica o jur\u00eddica. Per aix\u00f2, se sol sol\u00b7licitar a l’usuari una s\u00e8rie de documents amb l’objectiu d’analitzar el seu perfil i verificar-ne el \u201cscore creditici\u201d, \u00e9s a dir, si t\u00e9 solv\u00e8ncia per tornar en els terminis previstos aquest pr\u00e9stec que l’entitat li fa. <\/span>La recopilaci\u00f3 de tota la documentaci\u00f3 necess\u00e0ria \u00e9s un proc\u00e9s lent i labori\u00f3s. En el cas de les hipoteques, per exemple, aquest termini se sol allargar entre 10 i 15 dies addicionals alhora que l’usuari ha dedicat a reunir tota la informaci\u00f3. I \u00e9s que tots aquests informes se sol\u00b7liciten un a un a les administracions p\u00fabliques (Seguretat Social, Ag\u00e8ncia Tribut\u00e0ria, Banc d’Espanya, FNMT, etc.) abans de ser lliurats a l’entitat emissora del servei, cosa que incrementa el consum de temps, augmenta el risc d’error hum\u00e0 i de falsificacions i, en conseq\u00fc\u00e8ncia, alenteix el proc\u00e9s de contractaci\u00f3 del producte amb l’entitat financera. <\/span><\/p>\n

Per\u00f2, \u00e9s possible reduir aquest temps sense posar en risc la seguretat i la fiabilitat del proc\u00e9s?<\/strong> La resposta \u00e9s s\u00ed. Afortunadament, ja existeix la tecnologia que permet fer aquest \u201cscoring bancari\u201d pr\u00e0cticament en temps real, amb el conseg\u00fcent estalvi de temps tant per al sol\u00b7licitant del servei com per a l’entitat financera que ha de fer la gesti\u00f3. Perqu\u00e8 tot el proc\u00e9s compti amb la seguretat i fiabilitat m\u00e0ximes, ha d’estar ratificat per una entitat prestadora qualificada de serveis de confian\u00e7a. <\/span><\/p>\n

L’scoring bancari en temps real t\u00e9 la base en el desenvolupament d’una soluci\u00f3 programari que automatitza la recollida de documents destinats a l’avaluaci\u00f3 del risc creditici. Per fer-ho, l’usuari nom\u00e9s necessita identificar-se, des del m\u00f2bil o tauleta, mitjan\u00e7ant un certificat qualificat per recopilar i lliurar la documentaci\u00f3 sol\u00b7licitada en temps real. Un cop rebuda aquesta informaci\u00f3, l’entitat emissora elaborar\u00e0, de manera immediata i exempta de riscos, un perfil creditici amb qu\u00e8 avaluar la solv\u00e8ncia del possible client i concedir o no el servei segons el seu nivell de risc. <\/span><\/p>\n

Si es tracta d’una persona f\u00edsica<\/strong> , l’avaluaci\u00f3 del score creditici es fa tenint en compte la vida laboral (Tresoreria General de la Seguretat Social), els models 100 i 390 (Ag\u00e8ncia Tribut\u00e0ria) i l’informe de Riscos per als titulars de Central d’Informaci\u00f3 de Riscos (Banc d’Espanya)<\/span>
\n<\/span><\/p>\n

Mentre que, si es tracta d’una persona jur\u00eddica<\/strong> , aquest scoring es basa en els models 200 i 390 (Ag\u00e8ncia Tribut\u00e0ria) i l’informe de Riscos per als titulars de Central d’Informaci\u00f3 de Riscos (Banc d’Espanya).<\/span><\/p>\n

nebulaSCORING facilita l’avaluaci\u00f3 financera en temps real, agilitzant i assegurant el proc\u00e9s tant pel sol\u00b7licitant com pel creditor<\/p>\n

Addicionalment, als estalvis en temps que aquest tipus de tecnologia pot aportar als processos de contractaci\u00f3 de productes financers -la resoluci\u00f3 sobre la concessi\u00f3 d’una hipoteca sol comportar terminis de deu a quinze dies de mitjana, mentre que la d’un pr\u00e9stec sol dilatar-se entre dos dies i una setmana-, altres avantatges addicionals a destacar s\u00f3n, per exemple, l’eliminaci\u00f3 del tercer, ja que la informaci\u00f3 s’aconsegueix directament de la intervenci\u00f3. Aix\u00ed mateix, tamb\u00e9 millora l’experi\u00e8ncia de l’usuari que, per una banda, evita despla\u00e7aments i, de l’altra, disposa d’una interf\u00edcie intu\u00eftiva i un proc\u00e9s m\u00e9s r\u00e0pid que ajuda a millorar la taxa d’acceptaci\u00f3, reduir la taxa d’aband\u00f3 en els processos i afavorir-ne el comprom\u00eds. <\/span><\/p>\n

Altres avantatges derivats d’aquesta automatitzaci\u00f3 se centren en la facilitat per a l’entitat financera de poder crear, administrar i custodiar de manera segura certificats digitals qualificats sense haver d’instal\u00b7lar-los manualment a cada dispositiu, disposar d’una tra\u00e7abilitat i seguretat m\u00e9s grans, aix\u00ed com d’una total transpar\u00e8ncia sobre el proc\u00e9s per a l’usuari final.<\/span><\/p>\n

Un cop m\u00e9s, el desenvolupament tecnol\u00f2gic col\u00b7labora a m\u00e9s facilitat i agilitat en els tr\u00e0mits diaris ia una millor experi\u00e8ncia de l’usuari, sense deixar de banda la seguretat m\u00e0xima i la protecci\u00f3 de la identitat digital.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

En aquesta tribuna, Javier Natividad, director comercial de V\u00edntegris, explica com l’scoring bancari estalvia temps i aporta seguretat al sector. Encara que el terme \u201cscoring bancari\u201d soni t\u00e8cnic, la realitat \u00e9s que bona part dels ciutadans hem estat objecte d’almenys un al llarg de la nostra vida. Aquest tecnicisme fa al\u00b7lusi\u00f3 a l’avaluaci\u00f3 que els […]<\/p>\n","protected":false},"author":5,"featured_media":45313,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[152],"tags":[284,179,182,285,159,216,217],"sectores":[],"soluciones":[],"class_list":{"0":"post-44504","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-noticies","8":"tag-avaluacio-del-risc-dimpagament","9":"tag-digital-identity","11":"tag-scoring-creditici","12":"tag-trust-services","13":"tag-trusted-electronic-services"},"yoast_head":"\nJavier Natividad explica a SILICON com l'scoring creditici en temps real, agilitza i assegura el proc\u00e9s d'avaluaci\u00f3 financera - vintegris<\/title>\n<meta name=\"description\" content=\"Javier Natividad, director comercial de V\u00edntegris, explica com l'scoring bancari estalvia temps i aporta seguretat al sector.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vintegris.com\/ca\/blog\/javier-natividad-explica-a-silicon-com-lscoring-creditici-en-temps-real-agilitza-i-assegura-el-proces-davaluacio-financera\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Javier Natividad explica a SILICON com l'scoring creditici en temps real, agilitza i assegura el proc\u00e9s d'avaluaci\u00f3 financera - 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