{"id":85105,"date":"2022-02-07T14:43:42","date_gmt":"2022-02-07T14:43:42","guid":{"rendered":"https:\/\/www.asufin.com\/?p=85105"},"modified":"2022-03-14T17:08:16","modified_gmt":"2022-03-14T17:08:16","slug":"exclusion-financiera-personas-mayores","status":"publish","type":"post","link":"https:\/\/staging.asufin.com\/staging\/exclusion-financiera-personas-mayores\/","title":{"rendered":"\u00bfQu\u00e9 es la exclusi\u00f3n financiera? \u00bfC\u00f3mo afecta a los mayores?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"85105\" class=\"elementor elementor-85105\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9c04cc3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9c04cc3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a833f4\" data-id=\"7a833f4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0a9d7c2 elementor-widget elementor-widget-text-editor\" data-id=\"0a9d7c2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4>En ASUFIN trabajamos para que la digitalizaci\u00f3n de la banca no deje atr\u00e1s a las personas mayores<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-debf0c7 elementor-widget elementor-widget-text-editor\" data-id=\"debf0c7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">En este <\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 1rem;\"><b>ASUFIN te informa<\/b><\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\"> te explicamos qu\u00e9 es la exclusi\u00f3n financiera y c\u00f3mo afecta a las personas mayores. No podemos permitir que la banca deje atr\u00e1s a los mayores en su proceso de digitalizaci\u00f3n.<\/span><\/p><h5>\u00bfQu\u00e9 est\u00e1 sucediendo con las oficinas bancarias?<\/h5><p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">El sector vive una <\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 1rem;\"><b>aut\u00e9ntica reestructuraci\u00f3n.<\/b><\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\"> La crisis financiera de la d\u00e9cada pasada + la feroz competencia que generan las <a href=\"https:\/\/staging.asufin.com\/staging\/tech\/inicio\/\" target=\"_blank\" rel=\"noopener\">fintech<\/a> (compa\u00f1\u00edas que operan 100% online) + bajada de tipos con su impacto en los m\u00e1rgenes de negocio + el desarrollo de nuevas tecnolog\u00edas, da como resultado:<\/span><\/p><ul><li><b style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif;\">Cierre masivo de oficinas, para ahorrar costes,<\/b><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\"> con el correspondiente despido masivo de personal. En estos momentos, el n\u00famero de oficinas, unas 20.800, supone el menor nivel desde el a\u00f1o 1977. En 2008, antes de la crisis financiera, el sector superaba las 45.000. <a href=\"https:\/\/staging.asufin.com\/staging\/la-desatencion-bancaria-en-cifras-caidas-del-40-en-empleados-54-en-oficinas-y-22-en-cajeros\/\" target=\"_blank\" rel=\"noopener\">La velocidad de cierre de las oficinas alcanza las 10 al d\u00eda.<\/a><\/span><\/li><li><b style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif;\">Deficitaria atenci\u00f3n a los clientes.<\/b><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\"> El servicio de caja se reduce y llega a desaparecer en la mayor\u00eda de las oficinas. Las gestiones m\u00e1s habituales se tiene que hacer por App o cajero autom\u00e1tico<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-59e07cd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"59e07cd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-640a840\" data-id=\"640a840\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9534dd5 elementor-widget elementor-widget-image\" data-id=\"9534dd5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" data-attachment-id=\"85107\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/exclusion-financiera-personas-mayores\/211129_fb_stories_desbancarizacion\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/02\/211129_FB_STORIES_DESBANCARIZACION.jpg?fit=2501%2C1313&amp;ssl=1\" data-orig-size=\"2501,1313\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Desbancarizaci\u00f3n: Casi 10 sucursales cierran al d\u00eda\" data-image-description=\"&lt;p&gt;Desbancarizaci\u00f3n: Casi 10 sucursales cierran al d\u00eda&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Desbancarizaci\u00f3n: Casi 10 sucursales cierran al d\u00eda&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/02\/211129_FB_STORIES_DESBANCARIZACION.jpg?fit=800%2C420&amp;ssl=1\" width=\"800\" height=\"420\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/02\/211129_FB_STORIES_DESBANCARIZACION.jpg?fit=800%2C420&amp;ssl=1\" class=\"attachment-large size-large wp-image-85107\" alt=\"Desbancarizaci\u00f3n: Casi 10 sucursales cierran al d\u00eda\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/02\/211129_FB_STORIES_DESBANCARIZACION.jpg?w=2501&amp;ssl=1 2501w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/02\/211129_FB_STORIES_DESBANCARIZACION.jpg?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/02\/211129_FB_STORIES_DESBANCARIZACION.jpg?resize=1024%2C538&amp;ssl=1 1024w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/02\/211129_FB_STORIES_DESBANCARIZACION.jpg?resize=768%2C403&amp;ssl=1 768w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/02\/211129_FB_STORIES_DESBANCARIZACION.jpg?resize=1536%2C806&amp;ssl=1 1536w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/02\/211129_FB_STORIES_DESBANCARIZACION.jpg?resize=2048%2C1075&amp;ssl=1 2048w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/02\/211129_FB_STORIES_DESBANCARIZACION.jpg?w=1600&amp;ssl=1 1600w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/02\/211129_FB_STORIES_DESBANCARIZACION.jpg?w=2400&amp;ssl=1 2400w\" sizes=\"(max-width: 800px) 100vw, 800px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d236437 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d236437\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c0ffa7\" data-id=\"5c0ffa7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee2432c elementor-widget elementor-widget-text-editor\" data-id=\"ee2432c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><a href=\"https:\/\/panel.asufin.com\/archivos\/pdf\/II_BAROMETRO_COMISIONES_BANCARIAS_JUNIO_2021.pdf\" target=\"_blank\" rel=\"noopener\">En tu \u00e1rea privada de socio puedes encontrar nuestro II estudio sobre comisiones bancarias\u00a0<\/a><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f239d50 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f239d50\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0a6dca1\" data-id=\"0a6dca1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41154ae elementor-widget elementor-widget-text-editor\" data-id=\"41154ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>\u00bfPor qu\u00e9 la exclusi\u00f3n financiera afecta en especial a las personas mayores? <img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/13.1.0\/svg\/1f926-200d-2640-fe0f.svg\" alt=\"\ud83e\udd26\u200d\u2640\ufe0f\" title=\"\"><\/h5>\n<p><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\">Porque el <\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: 1rem;\"><b>servicio de caja<\/b><\/span><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight ); font-size: 1rem;\"> es de los m\u00e1s utilizados por personas mayores que no est\u00e1n familiarizadas con las nuevas tecnolog\u00edas.<\/span><\/p>\n<p><span style=\"background-color: transparent; color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">Limitaciones:<\/span><\/p>\n<ul>\n<li><strong>Horarios<\/strong> &#8212; Las operaciones de pago de recibos est\u00e1n limitadas por horario, normalmente hasta las 10:00 o 11:00, martes y jueves de 9:00 a 11:00h, etc.<\/li>\n<li><strong>Ya no hacen libreta de ahorro, es un producto en extinci\u00f3n<\/strong> &#8212;- Procuran que no la renueves y directamente, te pasan a una cuenta corriente<\/li>\n<li><strong>Actualizaciones, por cajero<\/strong> &#8212;- Las oficinas tienen dos o tres cajeros y uno de ellos es el que te permite actualizar las posiciones.<\/li>\n<li><strong>Limitaciones en efectivo<\/strong> &#8212;&#8211; si quieres sacar menos de 600 euros tiene que ser por cajero autom\u00e1tico. BBVA tiene un n\u00famero de operaciones limitadas al a\u00f1o de retirada de efectivo en ventanilla. Tb los ingresos en efectivo cuando t\u00fa no eres el titular de la cuenta. Lo t\u00edpico &#8220;me ingresas el alquiler en esta cuenta&#8221;. Eso ya no lo hacen.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-233a066 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"233a066\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5b6cea2\" data-id=\"5b6cea2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-09aa4e2 elementor-widget elementor-widget-text-editor\" data-id=\"09aa4e2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5>\u00bfQu\u00e9 distingue a la banca de otros sectores?<\/h5><p>Los servicios financieros, como otros muchos, como el sanitario por ejemplo, tienen <a href=\"https:\/\/staging.asufin.com\/staging\/brecha-digital-exigimos-a-los-bancos-que-cumplan-con-su-condicion-de-servicio-esencial\/\" target=\"_blank\" rel=\"noopener\">un car\u00e1cter esencial.<\/a> Los consumidores necesitan medios adecuados para poder gestionar sus econom\u00edas dom\u00e9sticas. <b>No podemos permitir que <a href=\"https:\/\/www.change.org\/p\/tengo-78-a%C3%B1os-y-me-siento-apartado-por-los-bancos-todo-es-por-internet-y-no-todo-el-mundo-se-maneja-pido-atenci%C3%B3n-humana-en-las-sucursales-bancarias-bbva-caixabank-bankinter-santander-resp-sabadell-help-cabk-responde-bbvaresponde-es\" target=\"_blank\" rel=\"noopener\">la gente mayor se vea excluida de la digitalizaci\u00f3n<\/a> intensa que vivimos.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-520d282 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"520d282\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7f527ed\" data-id=\"7f527ed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-822bbb8 elementor-widget elementor-widget-text-editor\" data-id=\"822bbb8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><a href=\"https:\/\/www.youtube.com\/watch?v=2z8bktkKIrA&amp;t\" target=\"_blank\" rel=\"noopener\">Desde ASUFIN nos reunimos con el Ministerio de Econom\u00eda para conocer el protocolo bancario\u00a0<\/a><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Te explicamos por qu\u00e9 la desbancarizaci\u00f3n afecta sobre todo a los m\u00e1s mayores. Desde ASUFIN trabajamos para frenar la exclusi\u00f3n financiera. <\/p>\n","protected":false},"author":279,"featured_media":85106,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3436,103,3333],"tags":[6988,1114],"class_list":["post-85105","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asufin-cast","category-asufin-comunicados","category-educacion-financiera","tag-asufin-te-informa","tag-noticias"],"acf":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/02\/exclusion_financiera_mayores-scaled.jpg?fit=2560%2C1706&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/peayLa-m8F","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/85105","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/users\/279"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/comments?post=85105"}],"version-history":[{"count":19,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/85105\/revisions"}],"predecessor-version":[{"id":90277,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/85105\/revisions\/90277"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media\/85106"}],"wp:attachment":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media?parent=85105"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=85105"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/tags?post=85105"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}