2026-08-16T00:53:52Zhttps://uvadoc.uva.es/oai/request

oai:uvadoc.uva.es:10324/805912025-12-15T20:05:19Zcom_10324_38col_10324_852

Viejo Valverde, Felicidad e469348dbe67e899 600 García Casado, Paula ca2120eb-bf56-44a8-b5c6-6b832b742ad4 600 Universidad de Valladolid. Facultad de Comercio y Relaciones Laborales EDUVA86 600 2025-12-15T09:17:50Z 2025-12-15T09:17:50Z 2025 https://uvadoc.uva.es/handle/10324/80591 El presente Trabajo de Fin de Grado aborda la transformación del modelo bancario tradicional hacia un entorno eminentemente digital, analizando las causas, implicaciones y consecuencias de este proceso. A través de una metodología cualitativa basada en el análisis comparativo, la investigación examina los modelos de negocio, servicios, accesibilidad, costes y experiencia del usuario en la banca tradicional y digital. Asimismo, se estudian los desafíos que enfrentan las entidades bancarias convencionales en su adaptación tecnológica, así como el impacto de nuevos actores como los neobancos y las fintech. El estudio concluye que la digitalización constituye una oportunidad estratégica para el sector financiero, aunque exige la superación de barreras como la regulación, la ciberseguridad y la resistencia al cambio organizacional. This Final Degree Project addresses the transformation of the traditional banking model towards a predominantly digital environment, analyzing the causes, implications, and consequences of this evolution. Through a qualitative methodology based on comparative analysis, the research examines business models, services, accessibility, costs, and user experience in both traditional and digital banking. The study also explores the challenges conventional banks face in their technological adaptation, as well as the impact of new players such as neobanks and fintechs. The research concludes that digitalization represents a strategic opportunity for the financial sector, although it requires overcoming barriers such as regulatory constraints, cybersecurity risks, and organizational resistance to change. Grado en Comercio application/pdf spa info:eu-repo/semantics/openAccess http://creativecommons.org/licenses/by-nc-nd/4.0/ Attribution-NonCommercial-NoDerivatives 4.0 Internacional Banca tradicional Banca digital Transformación digital Neobancos 5306 Económica del Cambio Tecnológico 5312.06 Finanzas y Seguros La desaparición de la banca tradicional frente a la banca digital info:eu-repo/semantics/bachelorThesis THUMBNAIL TFG-J-763.pdf.jpg TFG-J-763.pdf.jpg IM Thumbnail image/jpeg 4383 https://uvadoc.uva.es/bitstream/10324/80591/4/TFG-J-763.pdf.jpg b0a17851ca44a42c5b60ce441528eed3 MD5 4 LICENSE license.txt license.txt text/plain 3929 https://uvadoc.uva.es/bitstream/10324/80591/3/license.txt 289d98c1665ee0d20312360f0e8643c8 MD5 3 CC-LICENSE license_rdf license_rdf application/rdf+xml; charset=utf-8 817 https://uvadoc.uva.es/bitstream/10324/80591/2/license_rdf 975848b171c53b753f7e445c8b5bc0e1 MD5 2 ORIGINAL TFG-J-763.pdf TFG-J-763.pdf application/pdf 1706438 https://uvadoc.uva.es/bitstream/10324/80591/1/TFG-J-763.pdf 92857caf51eeb508c450247b9d042408 MD5 1 10324/80591 oai:uvadoc.uva.es:10324/80591 2025-12-15 21:05:19.296 UVaDOC repositorio@uva.es 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