¿Harán competir los comparadores financieros al BBVA y Santander?

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Integral service around a transaction
BY : Diego Gutiérrez21/05/2012

En la actualidad, el sector financiero está siendo abocado, bien por necesidades del mercado como por imperativos del Banco Central, a una concentración reduciendo el número de entidades financieras de manera drástica. Como consecuencia natural los costes de la financiación están aumentando  de forma significativa. El Euribor + 0,5% para hipotecarios ya no los vamos a ver.

Como contrapartida han surgido una serie de plataformas en internet, muy extendidas en el mercado anglosajón, que permiten comparar diferentes productos financieros. El modelo de ingresos, por lo general, proviene de la generación de “leads” / consultas sobre los diferentes productos.  Hemos estado estudiando algunos de ellos, y aunque hay bastantes, los más relevantes son:

www.bankimia.com. Ha sido fondeado por los inversores de referencia Cabiedes & partners. El que mejor posicionamiento SEO consigue para muchas de sus categorías.

www.iahorro.com. El inversor de referencia es Jot Media, la plataforma de negocios online. Es el que incluye categorías de activo como brokers y fondos.

www.helpmycash.com. El inversor de mayor relevancia es Debaeque. Destaca su sección calculadora y la posibilidad de recibir informes personalizados.

Casi todos ellos están orientados a productos de préstamos o financiación. Solo existen algunas categorías de productos de activo en las categorías más sencillas de entender como son los depósitos. Como usuarios echamos en falta ampliar los apartados de comparadores de fondos en todas sus categorías como renta fija (corporativa, emergentes, etc), variable (índices, sectores, etc) y otros similares. Somos conscientes que estos productos requieren de usuarios con un conocimiento financiero más desarrollado. En próximos artículos hablaremos de herramientas que han salido al mercado para facilitar la gestión de los ahorros por los propios usuarios.

Diego Gutierrez Zarza

www.abra-invest.com

http://abrainvest.wordpress.com/

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