%PDF-1.4 % 20 0 obj <> endobj 22 0 obj <> endobj 52 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 490.9714 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 512.4123 23.0228 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 23.0228 Tm .5 .26 .09 0 k [( V)6.3(OL 5 )247.6( )247.6( )]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 23.0228 Tm .5 .26 .09 0 k (1)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 35.5957 31.7313 Tm 0 0 0 1 k [( 2020 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.3(ed. )]TJ ET EMC /P <>BDC BT /TT6 1 Tf 7 0 0 7 143.0805 31.7313 Tm [(www)60.5(.isaca.or)9.3(g)]TJ ET EMC /Artifact <>BDC 0 0 0 0 k /GS1 gs 515.27 692.116 53.716 54.884 re f EMC /Figure <>BDC Q /GS1 gs BT /F1 1 Tf 9 0 0 9 515.27 721.5889 Tm .72549 .12941 .60784 .007843 k .0249 Tc 0 Tw (FEATURE)Tj ET q 1 i 515.284 746.986 53.701 -54.87 re W n q 1 0 0 1 568.985 747 cm 0 0 m 0 -54.884 l -9.375 -54.884 l -9.375 -9.9448 l -49.977 -9.9448 l -49.977 0 l 0 0 l f Q EMC /Artifact <>BDC Q q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .72 .13 .61 .01 k .12 47.389 345.084 181.737 re f EMC /Figure <>BDC Q q 1 i -29.496 474.417 429.002 -316.802 re W n -3.157 448.434 349.503 -207.759 re W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n q 349.151 0 0 210.937 -1.2482 239.06 cm /Im2 Do Q EMC /P <>BDC Q q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 9 0 0 9 139.7586 596.5865 Tm 0 0 0 1 k -.005 Tc (La industria )Tj /TT7 1 Tf 5.3891 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech est cr)9.3(eciendo a un ritmo)]TJ ET EMC /P <>BDC BT 9 0 0 9 317.8223 596.5865 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 139.7586 584.5865 Tm -.005 Tc [(aceler)19.5(ado)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 178.6542 587.5565 Tm -.0083 Tc (1, 2)Tj ET EMC /P <>BDC BT 9 0 0 9 186.9355 584.5865 Tm -.005 Tc [( que los inv)6.3(ersionistas, las juntas)]TJ ET EMC /P <>BDC BT 9 0 0 9 316.8322 584.5865 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 139.7586 572.5865 Tm -.005 Tc [(dir)9.3(ectiv)7.3(as, la alta ger)9.3(encia y los r)9.3(egulador)9.3(es)]TJ ET EMC /P <>BDC BT 9 0 0 9 311.3922 572.5865 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 139.7586 560.5864 Tm -.005 Tc [(gubernamentales deben r)9.3(eexaminar las pr)19.5(cticas y)]TJ ET EMC /P <>BDC BT 9 0 0 9 340.8598 560.5864 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 139.7586 548.5864 Tm -.005 Tc (los modelos actuales de gobierno )Tj /TT7 1 Tf 15.0669 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech. Un)Tj ET EMC /P <>BDC BT 9 0 0 9 317.6354 548.5864 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 139.7586 536.5864 Tm -.005 Tc [(ejemplo bien conocido de este cr)9.3(ecimient)9.8(o son los)]TJ ET EMC /P <>BDC BT 9 0 0 9 339.8876 536.5864 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 139.7586 524.5864 Tm -.005 Tc [(16 mil millones de dlar)9.3(es americanos que fuer)9.8(on)]TJ ET EMC /P <>BDC BT 9 0 0 9 336.8914 524.5864 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 139.7586 512.5864 Tm -.005 Tc [(inv)6.3(er)-24.4(tidos en la industria )]TJ /TT7 1 Tf 10.9846 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech del Reino Unido en)Tj ET EMC /P <>BDC BT 9 0 0 9 341.2819 512.5864 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 139.7586 500.5864 Tm -.005 Tc [(la primer)19.5(a mitad del ao 2018. Est)9.8(o r)9.3(epr)9.3(esent)9.8( ms)]TJ ET EMC /P <>BDC BT 9 0 0 9 343.7361 500.5864 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 139.7586 488.5865 Tm -.005 Tc [(del 25 por cient)9.8(o de los 57.9 mil millones de dlar)9.3(es)]TJ ET EMC /P <>BDC BT 9 0 0 9 344.6691 488.5865 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 139.7586 476.5865 Tm -.005 Tc [(americanos inv)6.3(er)-24.4(tidos en la industria )]TJ /TT7 1 Tf 16.4135 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech en)Tj ET EMC /P <>BDC BT 9 0 0 9 326.3633 476.5865 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 139.7586 464.5865 Tm -.005 Tc [(t)9.8(odo el mundo)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 196.7994 467.5565 Tm 0 Tc (3)Tj ET EMC /P <>BDC BT 9 0 0 9 199.7866 464.5865 Tm -.005 Tc [(. Cuant)9.8(o ms gr)19.5(ande se vuelv)6.3(e la)]TJ ET EMC /P <>BDC BT 9 0 0 9 329.6295 464.5865 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 598.5895 Tm -.005 Tc (industria )Tj /TT7 1 Tf 4.0745 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech, ms impor)-24.4(tante es contar con)]TJ ET EMC /P <>BDC BT 9 0 0 9 543.9037 598.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 586.5895 Tm -.005 Tc (mecanismos de gobierno adecuados. )Tj ET EMC /P <>BDC BT 9 0 0 9 508.0525 586.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 357.2586 560.5895 Tm .72 .13 .61 .01 k -.005 Tc [(La r)9.3(e)6.3(v)7.3(olucin y el gobierno )]TJ /TT8 1 Tf 12.1755 0 TD 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc (ntech )Tj ET EMC /P <>BDC BT 11 0 0 11 530.6349 560.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 357.2586 542.5895 Tm 0 0 0 1 k -.02 Tc [(Las empr)9.3(esas )]TJ /TT7 1 Tf 6.2341 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech estn tr)19.5(ansformando los)]TJ ET EMC /P <>BDC BT 9 0 0 9 535.7159 542.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 530.5895 Tm -.02 Tc (sistemas )Tj /TT7 1 Tf 4.134 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(nancier)9.8(os en t)9.8(odo el mundo. De hecho,)]TJ ET EMC /P <>BDC BT 9 0 0 9 547.4326 530.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 518.5895 Tm -.02 Tc [(estas empr)9.3(esas tienen el mandat)9.8(o de mantener una)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.8658 518.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 506.5895 Tm -.02 Tc [(r)9.3(ed )]TJ /TT7 1 Tf 1.5904 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ntech e)Tj /TT7 1 Tf 3.1198 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (caz y e)Tj /TT7 1 Tf 2.9211 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ciente orientada a la tecnologa)Tj ET EMC /P <>BDC BT 9 0 0 9 559.7208 506.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 494.5895 Tm -.02 Tc [(par)19.5(a pr)9.8(opor)9.3(cionar tr)19.5(ansacciones )]TJ /TT7 1 Tf 14.0192 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(nancier)19.5(as)]TJ ET EMC /P <>BDC BT 9 0 0 9 525.5117 494.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 482.5895 Tm -.02 Tc [(tr)19.5(anspar)9.3(entes de sus oper)19.5(aciones. La idea principal)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.2517 482.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 470.5895 Tm -.02 Tc [(detr)19.5(s de esta industria inno)7.3(v)7.3(ador)19.5(a es hacer que los)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.8271 470.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 458.5895 Tm -.02 Tc [(ser)-8.8(vicios )]TJ /TT7 1 Tf 4.0193 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(nancier)9.8(os estn disponibles par)19.5(a t)9.8(odos en)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.4526 458.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 446.5895 Tm -.02 Tc [(t)9.8(odo el mundo, lo que constituy)6.3(e una v)6.3(e)0(r)9.3(dader)19.5(a)]TJ ET EMC /P <>BDC BT 9 0 0 9 537.5535 446.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 434.5895 Tm -.02 Tc [(r)9.3(e)6.3(v)7.3(olucin )]TJ /TT7 1 Tf 4.9431 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech)50.8()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 430.5676 437.5595 Tm 0 Tc (4)Tj ET EMC /P <>BDC BT 9 0 0 9 433.4199 434.5895 Tm (.)Tj ET EMC /P <>BDC BT 9 0 0 9 435.6087 434.5895 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 410.5895 Tm -.02 Tc [(Igualmente, la necesidad de contar con pr)19.5(cticas de)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.5588 410.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 398.5895 Tm -.02 Tc (gobierno )Tj /TT7 1 Tf 3.9928 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ntech est aumentando diariamente y su)Tj ET EMC /P <>BDC BT 9 0 0 9 553.8443 398.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 386.5895 Tm -.02 Tc [(aplicacin se ha conv)6.3(er)-24.4(tido en un fact)9.8(or cla)7.3(v)6.3(e)0( de)]TJ ET EMC /P <>BDC BT 9 0 0 9 542.9769 386.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 374.5895 Tm -.02 Tc [(xit)9.8(o en la industria )]TJ /TT7 1 Tf 8.4506 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ntech.)Tj ET EMC /P <>BDC BT 9 0 0 9 461.7487 374.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT6 1 Tf 9 0 0 9 375.2586 356.5895 Tm -.005 Tc [(Etimogicamente, el concept)9.8(o de gobierno)]TJ ET EMC /P <>BDC BT 9 0 0 9 540.7811 356.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 375.2586 344.5895 Tm -.005 Tc [(se r)9.3(emonta al v)6.3(erbo griego kubernn)]TJ ET EMC /P <>BDC BT 9 0 0 9 516.7615 344.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 375.2586 332.5895 Tm -.005 Tc (\(pilotar o dirigir\). El trmino griego dio)Tj ET EMC /P <>BDC BT 9 0 0 9 521.8035 332.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 375.2586 320.5895 Tm -.005 Tc [(origen al termino latn medie)6.3(v)7.3(o)66.4( gubernar)9.3(e,)]TJ ET EMC /P <>BDC BT 9 0 0 9 543.5544 320.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 375.2586 308.5895 Tm -.005 Tc (que tiene la misma connotacin de pilotaje,)Tj ET EMC /P <>BDC BT 9 0 0 9 543.0852 308.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 375.2586 296.5894 Tm -.005 Tc [(elabor)19.5(acin de normas o dir)9.3(eccin)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 509.016 299.5595 Tm 0 Tc (5)Tj ET EMC /P <>BDC BT 9 0 0 9 511.9399 296.5894 Tm -.005 Tc (. )Tj ET EMC /P <>BDC BT 9 0 0 9 516.3983 296.5894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 357.2586 272.5894 Tm -.03 Tc [(Desde el punt)9.8(o de vista de una empr)9.3(esa )]TJ /TT7 1 Tf 16.7626 0 TD 0 Tc ()Tj /TT2 1 Tf .5237 0 TD -.03 Tc [(ntech, ha)7.3(y)]TJ ET EMC /P <>BDC BT 9 0 0 9 550.5176 272.5894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 260.5894 Tm -.03 Tc [(tr)9.3(es element)9.8(os fundamentales en la de)]TJ /TT7 1 Tf 16.1288 0 TD 0 Tc ()Tj /TT2 1 Tf .5237 0 TD -.03 Tc [(nicin anterior)60.1(.)]TJ ET EMC /P <>BDC BT 9 0 0 9 561.9884 260.5894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 248.5894 Tm -.03 Tc [(El primer element)9.8(o es el pilotaje, que tiene que v)6.3(er con)]TJ ET EMC /P <>BDC BT 9 0 0 9 558.6974 248.5894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 236.5894 Tm -.03 Tc [(el patr)9.8(ocinio y el manejo de una or)9.3(ganizacin )]TJ /TT7 1 Tf 18.8583 0 TD 0 Tc ()Tj /TT2 1 Tf .5237 0 TD -.03 Tc (ntech.)Tj ET EMC /P <>BDC BT 9 0 0 9 554.7875 236.5894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 224.5894 Tm -.03 Tc [(El segundo element)9.8(o tiene que v)6.3(er con la elabor)19.5(acin)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.5278 224.5894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 212.5894 Tm -.03 Tc [(de r)9.3(eglas, que implica el establecimient)9.8(o de las r)9.3(eglas)]TJ ET EMC /P <>BDC BT 9 0 0 9 557.2315 212.5894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 200.5894 Tm -.03 Tc [(de compr)9.8(omiso que utilizar)19.5( el equipo )]TJ /TT7 1 Tf 16.028 0 TD 0 Tc ()Tj /TT2 1 Tf .5237 0 TD -.03 Tc (ntech. El)Tj ET EMC /P <>BDC BT 9 0 0 9 538.0321 200.5894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 188.5894 Tm -.03 Tc [(ltimo element)9.8(o se r)9.3(e)]TJ /TT7 1 Tf 8.9745 0 TD 0 Tc ()Tj /TT2 1 Tf .5237 0 TD -.03 Tc [(er)9.3(e a la dir)9.3(eccin, que tiene que)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.4508 188.5894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 176.5895 Tm -.03 Tc [(v)6.3(er con guiar)60.1(, maniobr)19.5(ar y conducir al equipo )]TJ /TT7 1 Tf 18.6615 0 TD 0 Tc ()Tj /TT2 1 Tf .5237 0 TD -.03 Tc (ntech a)Tj ET EMC /P <>BDC BT 9 0 0 9 557.5016 176.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 164.5895 Tm -.03 Tc [(un lugar segur)9.8(o. )]TJ ET EMC /P <>BDC BT 9 0 0 9 419.2943 164.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 140.5895 Tm -.01 Tc [(En este moment)9.8(o, es impor)-24.4(tante subr)19.5(a)7.3(y)7.3(ar que la)]TJ ET EMC /P <>BDC BT 9 0 0 9 546.1552 140.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 128.5895 Tm -.01 Tc (gestin de riesgos )Tj /TT7 1 Tf 8.2179 0 TD 0 Tc ()Tj /TT2 1 Tf .5437 0 TD -.01 Tc [(ntech pr)9.8(opor)9.3(ciona la base)]TJ ET EMC /P <>BDC BT 9 0 0 9 537.4956 128.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 116.5895 Tm -.01 Tc [(fundamental par)19.5(a gestionar el gobierno )]TJ /TT7 1 Tf 17.3232 0 TD 0 Tc ()Tj /TT2 1 Tf .5437 0 TD -.01 Tc (ntech)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 539.9521 119.5595 Tm 0 Tc (6)Tj ET EMC /P <>BDC BT 9 0 0 9 542.8944 116.5895 Tm -.01 Tc (. )Tj ET EMC /P <>BDC BT 9 0 0 9 547.3111 116.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 104.5895 Tm -.01 Tc [(Un ejemplo es la administr)19.5(acin de los fact)9.8(or)9.3(es de)]TJ ET EMC /P <>BDC BT 9 0 0 9 554.079 104.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 92.5895 Tm -.01 Tc [(riesgo r)9.3(elacionados con las r)9.3(egulaciones inher)9.3(entes)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.8514 92.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 80.5895 Tm -.01 Tc [(al Anlisis y Re)6.3(visin Compr)9.3(ensiv)7.3(a Integr)19.5(al del)]TJ ET EMC /P <>BDC BT 9 0 0 9 537.8079 80.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 68.5895 Tm -.01 Tc [(Capital \(CCAR\), EE.UU. Dodd-F)12.7(r)19.5(ank Act, EU)]TJ ET EMC /P <>BDC BT 9 0 0 9 522.5184 68.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 357.2586 56.5895 Tm -.01 Tc [(Regulacin Gener)19.5(al de Pr)9.8(oteccin de Dat)9.8(os \(GDPR\),)]TJ ET EMC /P <>BDC BT 9 0 0 9 558.7085 56.5895 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT10 1 Tf 30 0 0 30 140.7057 677.944 Tm .5 .26 .09 0 k -.02 Tc [(Desafos, niv)6.3(eles y teoras)]TJ ET EMC /P <>BDC BT 30 0 0 30 461.7156 677.944 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 30 0 0 30 140.7057 643.944 Tm -.02 Tc (de la gobierno de )Tj /TT11 1 Tf 7.3725 0 TD 0 Tc ()Tj /TT10 1 Tf .5171 0 TD -.02 Tc (ntech)Tj ET EMC /P <>BDC BT /TT4 1 Tf 11 0 0 11 31.7586 214.5941 Tm 0 0 0 0 k [(L)6.8(uis Emilio Alv)7.3(ar)9.3(ez-Dionisi, Ph.D)59.6(. )]TJ ET EMC /P <>BDC BT 11 0 0 11 190.4723 214.5941 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 31.7586 203.7941 Tm [(Es un pr)9.8(of)11.7(esor y consult)9.8(or ger)9.3(encial especializado en )]TJ /TT7 1 Tf 23.812 0 TD ()Tj /TT2 1 Tf .5537 0 TD (ntech. Ha brindado)Tj ET EMC /P <>BDC BT 9 0 0 9 326.9527 203.7941 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 31.7586 192.994 Tm [(ser)-8.8(vicios de asesora a dir)9.3(ect)9.8(or)9.3(es ejecutiv)7.3(os, juntas dir)9.3(ectiv)7.3(as y alta)]TJ ET EMC /P <>BDC BT 9 0 0 9 301.2886 192.994 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 31.7586 182.1942 Tm [(ger)9.3(encia de compaas per)-24.4(tenecientes al pr)9.3(estigioso r)19.5(anking F)10.3(o)0(r)-24.4(tune 500 y)]TJ ET EMC /P <>BDC BT 9 0 0 9 331.4527 182.1942 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 31.7586 171.3942 Tm [(ha pr)9.3(estado ser)-8.8(vicios de consult)9.8(ora ger)9.3(encial en gestin de pr)9.8(o)7.3(y)6.3(ect)9.8(os,)]TJ ET EMC /P <>BDC BT 9 0 0 9 314.3535 171.3942 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 31.7586 160.5941 Tm [(pr)9.8(ogr)19.5(amas y por)-24.4(tafolios a empr)9.3(esas en t)9.8(odo el mundo, incluy)6.3(endo a Intel,)]TJ ET EMC /P <>BDC BT 9 0 0 9 323.8808 160.5941 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 31.7586 149.7941 Tm [(IBM, Mer)9.3(ck, Che)6.4(vr)9.8(on, Isuzu, Smiths Detection, Juegos Olmpicos de Beijing)]TJ ET EMC /P <>BDC BT 9 0 0 9 328.5522 149.7941 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 31.7586 138.994 Tm [(2008, Citibank, Standar)9.3(d Char)-24.4(ter)9.3(ed Bank y Go)7.3(v)6.3(ernment of Singapor)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 303.3365 138.994 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 31.7586 128.1942 Tm [(Inv)6.3(estment Corpor)19.5(ation \(GIC)12.7(\). Su tr)19.5(abajo de inv)6.3(estigacin se centr)19.5(a en la)]TJ ET EMC /P <>BDC BT 9 0 0 9 321.1386 128.1942 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 31.7586 117.3942 Tm -.02 Tc (gestin de riesgos )Tj /TT7 1 Tf 8.0277 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech, desarr)9.8(ollo de chatbots \(r)9.8(obots conv)6.3(ersacionales\))]TJ ET EMC /P <>BDC BT 9 0 0 9 321.2897 117.3942 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 31.7586 106.5941 Tm [(par)19.5(a compaas )]TJ /TT7 1 Tf 7.3965 0 TD ()Tj /TT2 1 Tf .5537 0 TD [(ntech, implantacin de estructur)19.5(as de gobierno )]TJ ET EMC /P <>BDC BT 9 0 0 9 293.1717 106.5941 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 31.7586 95.7941 Tm [(par)19.5(a apo)7.3(y)7.3(ar a las or)9.3(ganizaciones )]TJ /TT7 1 Tf 14.8398 0 TD ()Tj /TT2 1 Tf .5537 0 TD [(ntech en el seguimient)9.8(o y contr)9.8(ol )]TJ ET EMC /P <>BDC BT 9 0 0 9 304.3736 95.7941 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 31.7586 84.994 Tm [(de sus oper)19.5(aciones y la r)9.3(ecaudacin de fondos par)19.5(a empr)9.3(esas)]TJ ET EMC /P <>BDC BT 9 0 0 9 280.854 84.994 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 31.7586 74.1942 Tm [(empr)9.3(endedor)19.5(as )]TJ /TT7 1 Tf 7.2319 0 TD ()Tj /TT2 1 Tf .5537 0 TD [(ntech. Puede ser contactado en el siguiente corr)9.3(eo)]TJ ET EMC /P <>BDC BT 9 0 0 9 304.1405 74.1942 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 31.7586 63.3942 Tm [(dr)19.5(alv)7.3(ar)9.3(ez)7.8(dionisi@pr)9.8(ot)9.8(onmail.com.)]TJ ET EMC Q endstream endobj 53 0 obj <>/XObject<>/ExtGState<>>> endobj 104 0 obj <> endobj 106 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 39.4019 23.0548 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 60.8428 23.0548 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7515 23.0548 Tm .5 .26 .09 0 k [( V)6.3(OL 5)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 0 .51505 31.531 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 12.8637 23.0548 Tm .5 .26 .09 0 k (2)Tj ET EMC /P <>BDC /GS2 gs BT 7 0 0 7 413.8304 30.75 Tm 0 0 0 1 k [( 2020 ISA)5.4(CA. All rights r)9.3(eser)-8.8(v)6.3(ed. )]TJ ET EMC /P <>BDC BT /TT6 1 Tf 7 0 0 7 521.3153 30.75 Tm [(www)60.5(.isaca.or)9.3(g)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 143 702.2776 Tm -.01 Tc [(la Dir)9.3(ectiv)7.3(a de Mer)9.3(cados Basel en Instrument)9.8(os)]TJ ET EMC /P <>BDC BT 9 0 0 9 329.1103 702.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 690.2776 Tm -.01 Tc [(Financier)9.8(os \(MiFID\) y la Dir)9.3(ectiv)7.3(a Re)6.3(visada de)]TJ ET EMC /P <>BDC BT 9 0 0 9 320.5059 690.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 678.2776 Tm -.01 Tc [(Ser)-8.8(vicios de P)5.4(ago \(PSD2\))]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 242.6976 681.2477 Tm 0 Tc (7)Tj ET EMC /P <>BDC BT 9 0 0 9 245.6399 678.2776 Tm -.01 Tc (. )Tj ET EMC /P <>BDC BT 9 0 0 9 250.0569 678.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 654.2776 Tm -.005 Tc [(Las empr)9.3(esas )]TJ /TT7 1 Tf 6.4291 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech se enfr)9.3(entan a mltiples)]TJ ET EMC /P <>BDC BT 9 0 0 9 325.1648 654.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 642.2776 Tm -.005 Tc [(desafos de gobierno de sus oper)19.5(aciones en t)9.8(odo el)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.3314 642.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 630.2776 Tm -.005 Tc [(mundo. P)6.3(or ejemplo, muchas de ellas tienen bases)]TJ ET EMC /P <>BDC BT 9 0 0 9 343.4901 630.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 618.2776 Tm -.005 Tc (de clientes internacionales y estn obligadas a)Tj ET EMC /P <>BDC BT 9 0 0 9 326.9766 618.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 606.2776 Tm -.005 Tc [(cumplir con dif)11.7(er)9.3(entes legislaciones de pases en el)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.2372 606.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 594.2776 Tm -.005 Tc [(mundo, est)9.8(o incluy)6.3(e aspect)9.8(os tales como el la)7.3(v)7.3(ado)]TJ ET EMC /P <>BDC BT 9 0 0 9 343.8979 594.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 582.2776 Tm -.005 Tc [(de diner)9.8(o, la pr)9.8(oteccin de dat)9.8(os, la priv)7.3(acidad, el)]TJ ET EMC /P <>BDC BT 9 0 0 9 336.2264 582.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 570.2776 Tm -.005 Tc (soborno y la corrupcin)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 236.0259 573.2477 Tm 0 Tc (8)Tj ET EMC /P <>BDC BT 9 0 0 9 239.0132 570.2776 Tm (.)Tj ET EMC /P <>BDC BT 9 0 0 9 241.3369 570.2776 Tm ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 143 544.2777 Tm .72 .13 .61 .01 k -.005 Tc [(Ret)14.6(os del gobierno )]TJ /TT8 1 Tf 8.5979 0 TD 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 11 0 0 11 271.6544 544.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 143 526.2777 Tm 0 0 0 1 k -.005 Tc [(Antes de demostr)19.5(ar cmo abor)9.3(dar al gobierno)]TJ ET EMC /P <>BDC BT 9 0 0 9 325.0472 526.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 143 514.2777 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech, es apr)9.8(opiado empezar analizando algunos)]TJ ET EMC /P <>BDC BT 9 0 0 9 341.2588 514.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 502.2777 Tm -.005 Tc [(de los r)9.3(e)0(t)9.8(os que enfr)9.3(entan actualmente las)]TJ ET EMC /P <>BDC BT 9 0 0 9 311.4736 502.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 143 490.2777 Tm -.005 Tc [(empr)9.3(esas )]TJ /TT7 1 Tf 4.6039 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech en t)9.8(odo el mundo \()]TJ ET EMC /P <>BDC BT /TT8 1 Tf 9 0 0 9 287.7557 490.2777 Tm 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)14.6(a 1)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 318.4707 490.2777 Tm (\):)Tj ET EMC /P <>BDC BT 9 0 0 9 323.6893 490.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT13 1 Tf 9 0 0 9 143 298.2777 Tm 0 .349 .902 0 k ()Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 147.32 298.2777 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.3812 298.2777 Tm -.02 Tc [(Incidente 1: Empr)9.3(esas muy j)7.3(v)6.3(enes y priv)7.3(adas con)]TJ ET EMC /P <>BDC BT 9 0 0 9 344.3279 298.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.375 286.2777 Tm -.02 Tc (falta de estabilidad )Tj /TT8 1 Tf 8.415 0 TD 0 Tc ()Tj /TT4 1 Tf .5884 0 TD -.02 Tc [(nancier)14.6(a)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 263.7926 286.2777 Tm 0 0 0 1 k [(Muchas empr)9.3(esas)]TJ ET EMC /P <>BDC BT 9 0 0 9 341.8031 286.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 149.375 274.2777 Tm ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech son or)9.3(ganizaciones muy j)7.3(v)6.3(enes y priv)7.3(adas)]TJ ET EMC /P <>BDC BT 9 0 0 9 343.223 274.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.375 262.2777 Tm -.02 Tc [(impulsadas por la inno)7.3(v)7.3(acin y car)9.3(ecen de la)]TJ ET EMC /P <>BDC BT 9 0 0 9 320.1024 262.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.375 250.2777 Tm -.02 Tc [(for)-24.4(taleza )]TJ /TT7 1 Tf 4.0105 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(nancier)19.5(a necesaria par)19.5(a atr)19.5(aer nue)6.3(v)7.3(o)0(s)]TJ ET EMC /P <>BDC BT 9 0 0 9 335.4842 250.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.375 238.2777 Tm -.02 Tc [(clientes y socios. Est)9.8(o r)9.3(epr)9.3(esenta un pr)9.8(oblema de)]TJ ET EMC /P <>BDC BT 9 0 0 9 338.5386 238.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.375 226.2777 Tm -.02 Tc (con)Tj /TT7 1 Tf 1.5855 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(anza que r)9.3(equier)9.3(e la atencin inmediata del)]TJ ET EMC /P <>BDC BT 9 0 0 9 334.0953 226.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.375 214.2777 Tm -.02 Tc (equipo de gobierno )Tj /TT7 1 Tf 8.4052 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech par)19.5(a que las empr)9.3(esas)]TJ ET EMC /P <>BDC BT 9 0 0 9 340.107 214.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 149.375 202.2777 Tm ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ntech se mantengan a )Tj /TT7 1 Tf 9.6791 0 TD 0 Tc ()Tj /TT2 1 Tf .5479 0 TD -.02 Tc (ote.)Tj ET EMC /P <>BDC BT 9 0 0 9 260.7114 202.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT13 1 Tf 9 0 0 9 143 184.2777 Tm 0 .349 .902 0 k ()Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 147.455 184.2777 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.6512 184.2777 Tm -.005 Tc [(Incidente 2: Alineacin de nue)6.3(v)7.3(as pr)14.6(cticas de)]TJ ET EMC /P <>BDC BT 9 0 0 9 335.1275 184.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.625 172.2777 Tm -.005 Tc [(gobierno con las empr)9.3(esas )]TJ /TT8 1 Tf 12.2533 0 TD 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 287.7866 172.2777 Tm 0 0 0 1 k (Debido a la)Tj ET EMC /P <>BDC BT 9 0 0 9 338.8166 172.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.625 160.2777 Tm -.005 Tc [(natur)19.5(aleza gil de las empr)9.3(esas )]TJ /TT7 1 Tf 14.1139 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech, oper)19.5(ando)]TJ ET EMC /P <>BDC BT 9 0 0 9 345.1407 160.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.625 148.2777 Tm -.005 Tc [(en un ent)9.8(orno global e implementando nue)6.3(v)7.3(a)0(s)]TJ ET EMC /P <>BDC BT 9 0 0 9 332.0194 148.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.625 136.2777 Tm -.005 Tc [(tecnologas bajo mltiples esquemas legislativ)7.3(os,)]TJ ET EMC /P <>BDC BT 9 0 0 9 345.5439 136.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.625 124.2777 Tm -.005 Tc [(es esencial que dichas empr)9.3(esas instituy)7.3(an)]TJ ET EMC /P <>BDC BT 9 0 0 9 321.1923 124.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.625 112.2777 Tm -.005 Tc [(nue)6.3(v)7.3(as pr)19.5(cticas de gobierno par)19.5(a sostener la)]TJ ET EMC /P <>BDC BT 9 0 0 9 331.1956 112.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.625 100.2777 Tm -.005 Tc [(e)6.3(v)7.3(olucin de ellas mismas.)]TJ ET EMC /P <>BDC BT 9 0 0 9 256.438 100.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT13 1 Tf 9 0 0 9 143 82.2777 Tm 0 .349 .902 0 k ()Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 147.455 82.2777 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.6512 82.2777 Tm -.005 Tc [(Incidente 3: Inv)6.3(ersionistas activ)7.3(os)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 286.2278 82.2777 Tm 0 0 0 1 k (En la)Tj ET EMC /P <>BDC BT 9 0 0 9 312.3734 82.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 149.625 70.2777 Tm -.005 Tc [(actualidad, los inv)6.3(ersionistas activ)7.3(os de las)]TJ ET EMC /P <>BDC BT 9 0 0 9 320.1345 70.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 702.2776 Tm -.005 Tc [(empr)9.3(esas )]TJ /TT7 1 Tf 4.6039 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech asumen los r)9.8(oles de asesor)9.3(es y)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.9 702.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 690.2776 Tm -.005 Tc [(consult)9.8(or)9.3(es de dichas empr)9.3(esas. P)6.3(o)0(r)]TJ ET EMC /P <>BDC BT 9 0 0 9 514.5013 690.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 678.2776 Tm -.005 Tc [(consiguiente, se r)9.3(ecomienda incluir a los)]TJ ET EMC /P <>BDC BT 9 0 0 9 528.3071 678.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 666.2776 Tm -.005 Tc [(inv)6.3(ersionistas activ)7.3(os en los equipos de gobierno)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.2905 666.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 654.2776 Tm -.005 Tc [(de las empr)9.3(esas )]TJ /TT7 1 Tf 7.46 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 462.321 654.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT13 1 Tf 9 0 0 9 361.5 636.2776 Tm 0 .349 .902 0 k ()Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 365.955 636.2776 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.1512 636.2776 Tm -.005 Tc [(Incidente 4: Requisit)14.6(os r)9.3(eglamentarios en v)7.3(arias)]TJ ET EMC /P <>BDC BT 9 0 0 9 560.9774 636.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 624.2776 Tm -.005 Tc (jurisdicciones)Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 424.0177 624.2776 Tm 0 0 0 1 k [(Dado que muchas empr)9.3(esas)]TJ ET EMC /P <>BDC BT 9 0 0 9 544.1208 624.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 368.125 612.2776 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech tienen una base internacional de clientes,)Tj ET EMC /P <>BDC BT 9 0 0 9 559.9922 612.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 600.2776 Tm -.005 Tc [(se les exige que cumplan con r)9.3(egulaciones)]TJ ET EMC /P <>BDC BT 9 0 0 9 537.4126 600.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 588.2776 Tm -.005 Tc [(gubernamentales en v)7.3(arias jurisdicciones. P)6.3(o)0(r)]TJ ET EMC /P <>BDC BT 9 0 0 9 550.0076 588.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 576.2776 Tm -.005 Tc [(consiguiente, dichas empr)9.3(esas deben contar con)]TJ ET EMC /P <>BDC BT 9 0 0 9 561.4366 576.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 564.2776 Tm -.005 Tc [(el apo)7.3(y)7.3(o)0( de gobierno )]TJ /TT7 1 Tf 9.3808 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech necesario par)19.5(a)]TJ ET EMC /P <>BDC BT 9 0 0 9 540.2108 564.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 552.2777 Tm -.005 Tc [(cumplir con este nue)6.3(v)7.3(o)0( tipo de ambiente)]TJ ET EMC /P <>BDC BT 9 0 0 9 528.362 552.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 540.2777 Tm -.005 Tc [(or)9.3(ganizacional. )]TJ ET EMC /P <>BDC BT 9 0 0 9 430.6206 540.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT13 1 Tf 9 0 0 9 361.5 522.2777 Tm 0 .349 .902 0 k ()Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 365.955 522.2777 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.1512 522.2777 Tm 0 .35 .9 0 k -.005 Tc [(Incidente 5: Soluciones inno)7.3(v)7.3(ador)14.6(as en t)14.6(orno a)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.3061 522.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 510.2777 Tm -.005 Tc [(los mandat)14.6(os de riesgo y r)9.3(egulaciones)]TJ ET EMC /P <>BDC BT 9 0 0 9 521.9392 510.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 498.2777 Tm -.005 Tc (gubernamentales)Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 438.145 498.2777 Tm 0 0 0 1 k (Los gobiernos de muchas)Tj ET EMC /P <>BDC BT 9 0 0 9 547.2582 498.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 486.2777 Tm -.005 Tc [(naciones han permitido a las empr)9.3(esas )]TJ /TT7 1 Tf 17.4706 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 552.4167 486.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 474.2777 Tm -.005 Tc [(cr)9.3(ear soluciones en t)9.8(orno a fact)9.8(or)9.3(es de riesgo y)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.2603 474.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 462.2777 Tm -.005 Tc [(r)9.3(egulaciones gubernamentales. P)6.3(or lo tant)9.8(o, se)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.6495 462.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 450.2777 Tm -.005 Tc [(hace necesario contar con el apo)7.3(y)7.3(o)0( del gobierno)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.1945 450.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 368.125 438.2777 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech par)19.5(a guiar a dichas empr)9.3(esas en )]TJ ET EMC /P <>BDC BT 9 0 0 9 527.8434 438.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 426.2777 Tm -.005 Tc [(este esfuerz)7.8(o.)]TJ ET EMC /P <>BDC BT 9 0 0 9 424.0397 426.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT13 1 Tf 9 0 0 9 361.5 408.2777 Tm 0 .349 .902 0 k ()Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 365.955 408.2777 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.1512 408.2777 Tm 0 .35 .9 0 k -.005 Tc [(Incidente 6: F)16.6(alta de mecanismos de gobierno en)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.3843 408.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 396.2777 Tm -.005 Tc [(la implementacin de nue)6.3(v)7.3(as tecnologas)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 533.8288 396.2777 Tm 0 0 0 1 k (Dado)Tj ET EMC /P <>BDC BT 9 0 0 9 561.6365 396.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 384.2777 Tm -.005 Tc [(que las empr)9.3(esas )]TJ /TT7 1 Tf 8.0107 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech estn orientadas a)Tj ET EMC /P <>BDC BT 9 0 0 9 542.7552 384.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 372.2777 Tm -.005 Tc [(implementar tecnologas de v)7.3(anguar)9.3(dia par)19.5(a)]TJ ET EMC /P <>BDC BT 9 0 0 9 544.0999 372.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 360.2777 Tm -.005 Tc [(pr)9.8(oducir soluciones inno)7.3(v)7.3(ador)19.5(as, se necesita)]TJ ET EMC /P <>BDC BT 9 0 0 9 545.5305 360.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 348.2777 Tm -.005 Tc [(contar con pr)9.8(ocesos de gobierno adecuados par)19.5(a)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.9943 348.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 336.2777 Tm -.005 Tc [(alcanzar dicho objetiv)7.3(o. Un ejemplo de este caso,)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.4971 336.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 324.2776 Tm -.005 Tc [(es tener pr)9.3(e)6.3(viamente delineado un pr)9.8(oceso de)]TJ ET EMC /P <>BDC BT 9 0 0 9 550.114 324.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 312.2776 Tm -.005 Tc (gobierno )Tj /TT7 1 Tf 4.1278 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech par)19.5(a implementar la tecnologa)]TJ ET EMC /P <>BDC BT 9 0 0 9 557.2179 312.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 300.2776 Tm -.005 Tc [(de contabilidad distribuida \(DL)134.3(T\) en una)]TJ ET EMC /P <>BDC BT 9 0 0 9 524.5069 300.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 368.125 288.2776 Tm -.005 Tc [(aplicacin que comer)9.3(cializa Ether)9.3(eum.)]TJ ET EMC /P <>BDC BT 9 0 0 9 520.6077 288.2776 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 361.5 262.2777 Tm .72 .13 .61 .01 k -.005 Tc [(Niv)6.3(eles de gobierno )]TJ /TT8 1 Tf 9.0768 0 TD 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 11 0 0 11 495.4221 262.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 361.5 244.2777 Tm 0 0 0 1 k -.005 Tc [(Es normal estudiar el gobierno desde dif)11.7(er)9.3(entes)]TJ ET EMC /P <>BDC BT 9 0 0 9 549.8317 244.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 232.2777 Tm -.005 Tc [(ngulos, como el gobierno corpor)19.5(ativ)7.3(o, el gobierno)]TJ ET EMC /P <>BDC BT 9 0 0 9 560.7928 232.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 220.2777 Tm -.005 Tc [(empr)9.3(esarial y el gobierno de tecnologa de)]TJ ET EMC /P <>BDC BT 9 0 0 9 528.4882 220.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 208.2777 Tm -.005 Tc (informacin \(TI\))Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 425.2613 211.2476 Tm 0 Tc (9)Tj ET EMC /P <>BDC BT 9 0 0 9 428.2485 208.2777 Tm -.005 Tc [(. En este ar)-24.4(tculo, sin embar)9.3(go, nos)]TJ ET EMC /P <>BDC BT 9 0 0 9 565.6853 208.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 196.2777 Tm -.005 Tc [(enfocamos en tr)9.3(es niv)6.3(eles de gobierno: gobierno)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.5494 196.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 184.2777 Tm -.005 Tc [(corpor)19.5(ativ)7.3(o )]TJ /TT7 1 Tf 5.2305 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech, gobierno de soluciones)Tj ET EMC /P <>BDC BT 9 0 0 9 531.4941 184.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 172.2777 Tm -.005 Tc [(inno)7.3(v)7.3(ador)19.5(as )]TJ /TT7 1 Tf 5.6304 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech \(GoFIS\) y gobierno de la)Tj ET EMC /P <>BDC BT 9 0 0 9 535.9843 172.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 160.2777 Tm -.005 Tc [(empr)9.3(esa )]TJ /TT7 1 Tf 4.0933 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech \(GoFEN\), como se muestr)19.5(a )]TJ ET EMC /P <>BDC BT 9 0 0 9 536.3433 160.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 148.2777 Tm -.005 Tc (en la)Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 380.3166 148.2777 Tm 0 Tc ( )Tj /TT8 1 Tf .244 0 TD ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)14.6(a 2)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 413.2277 148.2777 Tm 0 Tc (.)Tj ET EMC /P <>BDC BT 9 0 0 9 415.5515 148.2777 Tm ( )Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 361.5 124.2777 Tm -.005 Tc [(Gobierno corpor)14.6(ativ)7.3(o )]TJ /TT8 1 Tf 9.6314 0 TD 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc (ntech )Tj ET EMC /P <>BDC BT 9 0 0 9 478.26 124.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 361.5 112.2777 Tm -.02 Tc [(Este es el niv)6.3(el ms alt)9.8(o del gobierno de una empr)9.3(esa)]TJ ET EMC /P <>BDC BT 9 0 0 9 565.9529 112.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 361.5 100.2777 Tm ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech. Es donde los accionistas, la junta dir)9.3(ectiv)7.3(a, la)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.1893 100.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 88.2777 Tm -.02 Tc [(administr)19.5(acin de la empr)9.3(esa, las agencias)]TJ ET EMC /P <>BDC BT 9 0 0 9 526.1055 88.2777 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.5 76.2777 Tm -.02 Tc [(gubernamentales \(r)9.3(egulador)9.3(es\) pr)9.8(o)7.3(v)6.3(enientes de)]TJ ET EMC /P <>BDC BT 9 0 0 9 544.6951 76.2777 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q q 1 i 141.52 479.217 207.678 -174.111 re W n 141.505 479.217 207.693 -174.126 re W n 141.506 479.217 206.096 -164.126 re 546.923 76.278 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .56471 .24314 .086274 0 k /GS1 gs 141.52 463.717 206.12 15.5 re f 0 .122 .315 0 k 141.506 463.717 54.313 -24.75 re 195.819 463.717 153.38 -24.75 re 141.506 414.217 54.313 -14.75 re 195.819 414.217 153.38 -14.75 re 141.506 374.717 54.313 -34.75 re 195.819 374.717 153.38 -34.75 re f .11373 .047059 .019608 0 k 141.506 438.967 54.313 -24.75 re 195.819 438.967 153.38 -24.75 re 141.506 399.467 54.313 -24.75 re 195.819 399.467 153.38 -24.75 re 141.506 339.967 54.313 -24.75 re 195.819 339.967 153.38 -24.75 re f 0 0 0 0 K 0 J 0 j 1 w 10 M [] 0 d q 1 0 0 1 141.506 463.717 cm 0 0 m 54.313 0 l S 1 0 0 1 54.313 0 cm 0 0 m 153.38 0 l S Q Q q 1 i 141.505 479.217 207.693 -174.126 re W n 141.506 479.217 206.096 -164.126 re 546.923 76.278 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 0 0 0 K 0 J 0 j 1 w 10 M [] 0 d /GS1 gs q 1 0 0 1 195.818 439.467 cm 0 0 m 0 23.75 l S 1 0 0 1 0 -39.5 cm 0 0 m 0 13.75 l S 1 0 0 1 0 -59.5 cm 0 0 m 0 33.75 l S Q Q q 1 i 141.52 479.217 207.678 -174.111 re W n 141.505 479.217 207.693 -174.126 re W n 141.506 479.217 206.096 -164.126 re 546.923 76.278 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 0 0 0 K 0 J 0 j 1 w 10 M [] 0 d /GS1 gs q 1 0 0 1 141.506 438.967 cm 0 0 m 54.313 0 l S 1 0 0 1 0 -24.75 cm 0 0 m 54.313 0 l S 1 0 0 1 54.313 24.75 cm 0 0 m 153.38 0 l S Q Q q 1 i 141.505 479.217 207.693 -174.126 re W n 141.506 479.217 206.096 -164.126 re 546.923 76.278 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 0 0 0 K 0 J 0 j 1 w 10 M [] 0 d /GS1 gs q 1 0 0 1 195.818 414.717 cm 0 0 m 0 23.75 l S Q Q q 1 i 141.52 479.217 207.678 -174.111 re W n 141.505 479.217 207.693 -174.126 re W n 141.506 479.217 206.096 -164.126 re 546.923 76.278 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 0 0 0 K 0 J 0 j 1 w 10 M [] 0 d /GS1 gs q 1 0 0 1 195.818 414.217 cm 0 0 m 153.38 0 l S 1 0 0 1 -54.313 -14.75 cm 0 0 m 54.313 0 l S 1 0 0 1 0 -24.75 cm 0 0 m 54.313 0 l S 1 0 0 1 54.313 24.75 cm 0 0 m 153.38 0 l S Q Q q 1 i 141.505 479.217 207.693 -174.126 re W n 141.506 479.217 206.096 -164.126 re 546.923 76.278 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 0 0 0 K 0 J 0 j 1 w 10 M [] 0 d /GS1 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Se puede)Tj ET EMC /P <>BDC BT 9 0 0 9 211.1157 423.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 411.67 Tm -.02 Tc [(visualizar a est)9.8(os par)-24.4(ticipantes como las siete aspas)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.3217 411.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 399.67 Tm -.02 Tc [(que impulsan al gobierno corpor)19.5(ativ)7.3(o )]TJ /TT7 1 Tf 15.9876 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ntech. El)Tj ET EMC /P <>BDC BT 9 0 0 9 219.3385 399.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 387.67 Tm -.02 Tc [(objetiv)7.3(o principal del niv)6.3(el del gobierno corpor)19.5(ativ)7.3(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 230.9502 387.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 38.0285 375.67 Tm ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech es establecer un mecanismo de gobierno par)19.5(a)]TJ ET EMC /P <>BDC BT 9 0 0 9 243.0125 375.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 363.67 Tm -.02 Tc [(super)-8.8(visar el )39.1(sistema de salv)7.3(aguar)9.3(das estructur)19.5(ales,)]TJ ET EMC /P <>BDC BT 9 0 0 9 240.3633 363.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 351.67 Tm -.02 Tc [(pr)9.8(ocesales y cultur)19.5(ales diseadas par)19.5(a gar)19.5(antizar que)]TJ ET EMC /P <>BDC BT 9 0 0 9 242.877 351.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 339.67 Tm -.02 Tc [(una empr)9.3(esa se ejecute en los mejor)9.3(es inter)9.3(eses, a)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.4217 339.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 327.67 Tm -.02 Tc [(lar)9.3(go plaz)7.8(o, de sus accionistas)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 158.0231 330.64 Tm -.0333 Tc (10)Tj ET EMC /P <>BDC BT 9 0 0 9 163.7278 327.67 Tm -.02 Tc [(. Sin embar)9.3(go, en)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.4557 327.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 315.67 Tm -.02 Tc [(trminos de la ger)9.3(encia de inv)6.3(ersin, el gobierno)]TJ ET EMC /P <>BDC BT 9 0 0 9 221.6769 315.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 303.67 Tm -.02 Tc [(corpor)19.5(ativ)7.3(o )]TJ /TT7 1 Tf 5.0506 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech incr)9.3(ementa )28.8(el r)9.3(e)0(t)9.8(orno de la)]TJ ET EMC /P <>BDC BT 9 0 0 9 216.3548 303.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 291.67 Tm -.02 Tc [(inv)6.3(ersin a lar)9.3(go plaz)7.8(o, mitigando los riesgos y)]TJ ET EMC /P <>BDC BT 9 0 0 9 215.7046 291.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 279.67 Tm -.02 Tc [(pr)9.8(o)7.3(y)6.3(ectando una mejor imagen del por)-24.4(tafolio )]TJ ET EMC /P <>BDC BT 9 0 0 9 211.8672 279.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 267.67 Tm -.02 Tc [(de las empr)9.3(esas)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 103.9936 270.64 Tm -.0333 Tc (11)Tj ET EMC /P <>BDC BT 9 0 0 9 109.6982 267.67 Tm -.02 Tc (. )Tj ET EMC /P <>BDC BT 9 0 0 9 113.935 267.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 243.67 Tm -.005 Tc (Adaptando la de)Tj /TT7 1 Tf 7.1784 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(nicin del )28.8(gobierno corpor)19.5(ativ)7.3(o)66.4()]TJ ET EMC /P <>BDC BT 9 0 0 9 235.1955 243.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 231.67 Tm -.005 Tc [(pr)9.8(opor)9.3(cionada por la Or)9.3(ganisation for E)9.3(conomic )]TJ ET EMC /P <>BDC BT 9 0 0 9 229.7966 231.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 219.67 Tm -.005 Tc [(Co-oper)19.5(ation and De)6.3(v)6.3(elopment \(OECD\), el gobierno)]TJ ET EMC /P <>BDC BT 9 0 0 9 239.2834 219.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 38.0285 207.67 Tm -.005 Tc [(corpor)19.5(ativ)7.3(o )]TJ /TT7 1 Tf 5.2305 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech puede de)Tj /TT7 1 Tf 6.7372 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nirse como)Tj ET EMC /P <>BDC BT 9 0 0 9 199.8616 207.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT6 1 Tf 9 0 0 9 56.0285 189.67 Tm -.005 Tc [(Un conjunt)9.8(o de r)9.3(elaciones entr)9.3(e la)]TJ ET EMC /P <>BDC BT 9 0 0 9 187.2667 189.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 56.0285 177.67 Tm -.005 Tc [(administr)19.5(acin de una empr)9.3(esa, su junta)]TJ ET EMC /P <>BDC BT 9 0 0 9 212.719 177.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 56.0285 165.67 Tm -.005 Tc [(dir)9.3(ectiv)7.3(a, sus accionistas, sus)]TJ ET EMC /P <>BDC BT 9 0 0 9 171.0451 165.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 56.0285 153.67 Tm -.005 Tc [(inv)6.3(ersionistas activ)7.3(os, agencias)]TJ ET EMC /P <>BDC BT 9 0 0 9 178.8092 153.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 56.0285 141.67 Tm -.005 Tc [(gubernamentales de dif)11.7(er)9.3(entes pases, sus)]TJ ET EMC /P <>BDC BT 9 0 0 9 221.6993 141.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 56.0285 129.67 Tm -.005 Tc (socios tecnolgicos )Tj /TT14 1 Tf 8.884 0 TD 0 Tc ()Tj /TT6 1 Tf .537 0 TD -.005 Tc [(ntech y otr)19.5(as par)-24.4(tes)]TJ ET EMC /P <>BDC BT 9 0 0 9 217.7399 129.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 56.0285 117.67 Tm -.005 Tc [(inter)9.3(esadas. El gobierno corpor)19.5(ativ)7.3(o )]TJ /TT14 1 Tf 15.7336 0 TD 0 Tc ()Tj /TT6 1 Tf .537 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 224.1274 117.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 56.0285 105.67 Tm -.005 Tc [(tambin pr)9.8(opor)9.3(ciona la estructur)19.5(a a tr)19.5(a)7.3(v)6.3(s)]TJ ET EMC /P <>BDC BT 9 0 0 9 219.9625 105.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 56.0285 93.67 Tm -.005 Tc [(de la cual se establecen los objetiv)7.3(os de la)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.6503 93.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 273.557 459.67 Tm -.005 Tc [(empr)9.3(esa y se determinan los medios par)19.5(a)]TJ ET EMC /P <>BDC BT 9 0 0 9 435.354 459.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 273.557 447.67 Tm -.005 Tc [(alcanzar esos objetiv)7.3(os y hacer)]TJ ET EMC /P <>BDC BT 9 0 0 9 394.8447 447.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 273.557 435.67 Tm -.005 Tc [(seguimient)9.8(o al desempeo)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 378.267 438.64 Tm -.0083 Tc (12)Tj ET EMC /P <>BDC BT 9 0 0 9 384.115 435.67 Tm 0 Tc (.)Tj ET EMC /P <>BDC BT 9 0 0 9 386.4122 435.67 Tm ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 255.557 411.67 Tm -.005 Tc [(El gobierno corpor)19.5(ativ)7.3(o es un element)9.8(o cla)7.3(v)6.3(e)0( par)19.5(a)]TJ ET EMC /P <>BDC BT 9 0 0 9 455.2675 411.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.557 399.67 Tm -.005 Tc [(mejor)19.5(ar la e)]TJ /TT7 1 Tf 5.168 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ciencia y el cr)9.3(ecimient)9.8(o econmico,)]TJ ET EMC /P <>BDC BT 9 0 0 9 447.4955 399.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.557 387.67 Tm -.005 Tc [(as como par)19.5(a mejor)19.5(ar la con)]TJ /TT7 1 Tf 12.7614 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (anza de los)Tj ET EMC /P <>BDC BT 9 0 0 9 420.328 387.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.557 375.67 Tm -.005 Tc [(inv)6.3(ersionistas)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 313.5845 378.64 Tm -.0083 Tc (13)Tj ET EMC /P <>BDC BT 9 0 0 9 319.5589 375.67 Tm -.005 Tc (. En tal sentido, el gobierno)Tj ET EMC /P <>BDC BT 9 0 0 9 425.6173 375.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.557 363.67 Tm -.005 Tc [(corpor)19.5(ativ)7.3(o )]TJ /TT7 1 Tf 5.2306 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech y el gobierno corpor)19.5(ativ)7.3(o tienen)]TJ ET EMC /P <>BDC BT 9 0 0 9 455.8596 363.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.557 351.67 Tm -.005 Tc [(los mismos objetiv)7.3(os.)]TJ ET EMC /P <>BDC BT 9 0 0 9 342.0592 351.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.557 327.67 Tm -.005 Tc [(Como r)9.3(esultado, el anlisis de la de)]TJ /TT7 1 Tf 15.4885 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nicin anterior)Tj ET EMC /P <>BDC BT 9 0 0 9 456.566 327.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.557 315.67 Tm -.005 Tc [(de )28.8(gobierno corpor)19.5(ativ)7.3(o )]TJ /TT7 1 Tf 11.0044 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech)50.8( r)9.3(e)6.3(v)6.3(ela que existen)]TJ ET EMC /P <>BDC BT 9 0 0 9 457.5866 315.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.557 303.67 Tm -.005 Tc [(los siguientes nue)6.3(v)6.3(e)0( element)9.8(os conceptuales)]TJ ET EMC /P <>BDC BT 9 0 0 9 434.9982 303.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 255.557 291.67 Tm -.005 Tc (asociados con dicha de)Tj /TT7 1 Tf 10.3866 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nicin:)Tj ET EMC /P <>BDC BT 9 0 0 9 379.9834 291.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 255.557 273.67 Tm 0 .349 .902 0 k -.005 Tc (1. )Tj ET EMC /P <>BDC BT 9 0 0 9 265.4417 273.67 Tm [(La administr)14.6(acin de la empr)9.3(esa )]TJ /TT8 1 Tf 14.6896 0 TD 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 425.5301 273.67 Tm 0 0 0 1 k 0 Tc ()Tj ET EMC /P <>BDC BT 9 0 0 9 265.432 261.67 Tm -.005 Tc [(Responsable por las oper)19.5(aciones diarias )]TJ ET EMC /P <>BDC BT 9 0 0 9 427.3949 261.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 265.432 249.67 Tm -.005 Tc (del negocio)Tj ET EMC /P <>BDC BT 9 0 0 9 311.1369 249.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 255.557 231.67 Tm 0 .349 .902 0 k -.005 Tc (2. )Tj ET EMC /P <>BDC BT 9 0 0 9 265.4417 231.67 Tm [(Junta dir)9.3(ectiv)7.3(a)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 324.928 231.67 Tm 0 0 0 1 k [(Super)-8.8(visa t)9.8(oda la empr)9.3(esa;)]TJ ET EMC /P <>BDC BT 9 0 0 9 438.6569 231.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 265.432 219.67 Tm -.005 Tc (elegida por los accionistas)Tj ET EMC /P <>BDC BT 9 0 0 9 370.9124 219.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 255.557 201.67 Tm 0 .349 .902 0 k -.005 Tc (3. Accionistas)Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 312.4121 201.67 Tm 0 0 0 1 k [(Pr)9.8(opietarios de la empr)9.3(esa)]TJ ET EMC /P <>BDC BT 9 0 0 9 425.4115 201.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 255.557 183.67 Tm 0 .35 .9 0 k -.005 Tc (4. )Tj ET EMC /P <>BDC BT 9 0 0 9 265.4417 183.67 Tm [(Inv)6.3(ersionistas activ)7.3(os)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 352.7909 183.67 Tm 0 0 0 1 k [(Or)9.3(ganizaciones o)]TJ ET EMC /P <>BDC BT 9 0 0 9 428.4163 183.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 265.432 171.67 Tm -.005 Tc [(individuos que invier)-24.4(ten diner)9.8(o en la empr)9.3(esa)]TJ ET EMC /P <>BDC BT 9 0 0 9 443.6539 171.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 265.432 159.67 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech par)19.5(a obtener ganancias a cambio; los)]TJ ET EMC /P <>BDC BT 9 0 0 9 442.3903 159.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 265.432 147.67 Tm -.005 Tc [(inv)6.3(ersionistas activ)7.3(os tambin brindan)]TJ ET EMC /P <>BDC BT 9 0 0 9 417.5664 147.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 265.432 135.67 Tm -.005 Tc [(orientacin estr)19.5(atgica a la empr)9.3(esa )]TJ /TT7 1 Tf 16.2232 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 438.4968 135.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 255.557 117.67 Tm 0 .35 .9 0 k -.005 Tc (5. )Tj ET EMC /P <>BDC BT 9 0 0 9 265.4417 117.67 Tm (Agencias gubernamentales)Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 374.9284 117.67 Tm 0 0 0 1 k (Entidades que)Tj ET EMC /P <>BDC BT 9 0 0 9 438.0588 117.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 265.432 105.67 Tm -.005 Tc [(oper)19.5(an como r)9.3(egulador)9.3(es )]TJ /TT7 1 Tf 11.5055 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(nancier)9.8(os en )]TJ ET EMC /P <>BDC BT 9 0 0 9 426.7466 105.67 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 265.432 93.67 Tm -.005 Tc (sus jurisdicciones)Tj ET EMC /P <>BDC BT 9 0 0 9 336.4465 93.67 Tm 0 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[(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7515 23.0548 Tm .5 .26 .09 0 k [( V)6.3(OL 4)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 0 .51505 31.531 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 12.8637 23.0548 Tm .5 .26 .09 0 k (4)Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 144 661.8894 Tm 0 .35 .9 0 k -.005 Tc (6. )Tj ET EMC /P <>BDC BT 9 0 0 9 153.8846 661.8894 Tm (Socios tecnolgicos )Tj /TT8 1 Tf 9.2374 0 TD 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 264.903 661.8894 Tm 0 0 0 1 k [(Incluy)6.3(e empr)9.3(esas)]TJ ET EMC /P <>BDC BT 9 0 0 9 341.2447 661.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 649.8894 Tm -.005 Tc [(empr)9.3(endedor)19.5(as )]TJ /TT7 1 Tf 7.162 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech y desarr)9.8(ollador)9.3(es de)]TJ ET EMC /P <>BDC BT 9 0 0 9 327.5879 649.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 637.8894 Tm -.02 Tc (tecnologa)Tj ET EMC /P <>BDC BT 9 0 0 9 194.0781 637.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 144 619.8894 Tm 0 .35 .9 0 k -.02 Tc (7. )Tj ET EMC /P <>BDC BT 9 0 0 9 153.4796 619.8894 Tm [(Otr)17.6(os inter)9.3(esados)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 222.3937 619.8894 Tm 0 0 0 1 k 0 Tc ()Tj ET EMC /P <>BDC BT 9 0 0 9 229.3755 619.8894 Tm -.02 Tc (Clientes )Tj /TT7 1 Tf 3.6574 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(nancier)9.8(os e)]TJ ET EMC /P <>BDC BT 9 0 0 9 311.3333 619.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.375 607.8894 Tm -.02 Tc (instituciones )Tj /TT7 1 Tf 5.6585 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(nancier)19.5(as tr)19.5(adicionales, entr)9.3(e otr)9.8(os)]TJ ET EMC /P <>BDC BT 9 0 0 9 342.6269 607.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 144 589.8894 Tm 0 .35 .9 0 k -.005 Tc (8. )Tj ET EMC /P <>BDC BT 9 0 0 9 153.8846 589.8894 Tm [(Estructur)14.6(a de gobierno corpor)14.6(ativ)7.3(o )]TJ /TT8 1 Tf 15.6971 0 TD 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 323.0403 589.8894 Tm 0 0 0 1 k 0 Tc ()Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 577.8894 Tm -.005 Tc [(Apo)7.3(y)7.3(a)0( los objetiv)7.3(os de la empr)9.3(esa )]TJ /TT7 1 Tf 15.2284 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 317.9869 577.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 144 559.8894 Tm 0 .35 .9 0 k -.005 Tc (9. )Tj ET EMC /P <>BDC BT 9 0 0 9 153.8846 559.8894 Tm [(F)10.7(unciones de super)-8.8(visin y contr)17.6(ol)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 292.8835 559.8894 Tm 0 0 0 1 k [(E)12.7(v)7.3(ala el)]TJ ET EMC /P <>BDC BT 9 0 0 9 334.8717 559.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 547.8894 Tm -.005 Tc [(r)9.3(endimient)9.8(o de la empr)9.3(esa )]TJ /TT7 1 Tf 11.9315 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech y a)7.3(yuda a)]TJ ET EMC /P <>BDC BT 9 0 0 9 327.7231 547.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 535.8894 Tm -.005 Tc [(alcanzar sus objetiv)7.3(os)]TJ ET EMC /P <>BDC BT 9 0 0 9 241.9274 535.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 144 511.8894 Tm -.02 Tc [(Gobierno de soluciones inno)7.3(v)7.3(ador)14.6(as )]TJ /TT8 1 Tf 15.8836 0 TD 0 Tc ()Tj /TT4 1 Tf .5884 0 TD -.02 Tc (ntech \(GoFIS\))Tj ET EMC /P <>BDC BT 9 0 0 9 345.4639 511.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 144 499.8894 Tm -.005 Tc [(Este es el niv)6.3(el en el que el gobierno se aplica al)]TJ ET EMC /P <>BDC BT 9 0 0 9 332.6614 499.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 487.8894 Tm -.005 Tc [(desarr)9.8(ollo e implantacin de los siguientes tipos de)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.7317 487.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 144 475.8894 Tm -.005 Tc [(soluciones inno)7.3(v)7.3(ador)19.5(as)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 237.5456 478.8594 Tm 0 Tc (1)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 240.5328 478.8594 Tm -.0083 Tc (4, 1)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 248.8142 478.8594 Tm 0 Tc (5)Tj ET EMC /P <>BDC BT 9 0 0 9 251.8015 475.8894 Tm (:)Tj ET EMC /P <>BDC BT 9 0 0 9 253.9362 475.8894 Tm ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 144 451.8894 Tm 0 .35 .9 0 k -.005 Tc (1. )Tj ET EMC /P <>BDC BT 9 0 0 9 153.8846 451.8894 Tm [(Nue)6.3(v)7.3(os modelos de negocio)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 267.0354 451.8894 Tm 0 0 0 1 k (Un modelo de)Tj ET EMC /P <>BDC BT 9 0 0 9 328.7607 451.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 439.8894 Tm -.005 Tc [(negocio es un plan par)19.5(a gener)19.5(ar ingr)9.3(esos a un)]TJ ET EMC /P <>BDC BT 9 0 0 9 335.2873 439.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 427.8894 Tm -.005 Tc [(cost)9.8(o aceptable, que incluy)6.3(e suposiciones sobr)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 344.7819 427.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 415.8894 Tm -.005 Tc [(cmo cr)9.3(ear y captur)19.5(ar v)7.3(alor)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 261.9965 418.8594 Tm -.0083 Tc (16)Tj ET EMC /P <>BDC BT 9 0 0 9 267.971 415.8894 Tm -.005 Tc (. Ejemplos de)Tj ET EMC /P <>BDC BT 9 0 0 9 320.9819 415.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 403.8894 Tm -.005 Tc (modelos de negocio )Tj /TT7 1 Tf 9.1599 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech son)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 280.1569 406.8594 Tm 0 Tc (1)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 283.1442 406.8594 Tm (7)Tj ET EMC /P <>BDC BT 9 0 0 9 286.1315 403.8894 Tm (:)Tj ET EMC /P <>BDC BT 9 0 0 9 288.2662 403.8894 Tm ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 164.016 385.9134 Tm -.005 Tc (Negocio de pagos)Tj ET EMC /LBody <>BDC BT 9 0 0 9 235.7577 385.9134 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 153 385.9134 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.016 367.9374 Tm 0 0 0 1 k -.005 Tc (Gestin de patrimonios)Tj ET EMC /LBody <>BDC BT 9 0 0 9 256.1465 367.9374 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 153 367.9374 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.016 349.9614 Tm 0 0 0 1 k -.005 Tc [(Recaudacin de fondos \(cr)9.8(owdfunding\))]TJ ET EMC /LBody <>BDC BT 9 0 0 9 320.0109 349.9614 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 153 349.9614 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.016 331.9854 Tm 0 0 0 1 k -.005 Tc [(Negocio de pr)9.3(stamos)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 253.7272 331.9854 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 153 331.9854 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.016 314.0093 Tm 0 0 0 1 k -.005 Tc [(Mer)9.3(cado de capitales)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 249.0865 314.0093 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 153 314.0093 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.016 296.0334 Tm 0 0 0 1 k -.005 Tc [(Ser)-8.8(vicios de segur)9.8(os comer)9.3(ciales)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 296.5439 296.0334 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 153 296.0334 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 144 272.0334 Tm -.005 Tc (2. )Tj ET EMC /P <>BDC BT 9 0 0 9 153.8846 272.0334 Tm [(A)23.4(plicaciones)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 205.2486 272.0334 Tm 0 0 0 1 k [(Una aplicacin es un softwar)9.3(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 331.011 272.0334 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 260.0334 Tm -.005 Tc [(desarr)9.8(ollado par)19.5(a r)9.3(esolv)6.3(er un pr)9.8(oblema)]TJ ET EMC /P <>BDC BT 9 0 0 9 308.4308 260.0334 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 248.0334 Tm -.005 Tc [(comer)9.3(cial o tcnico espec)]TJ /TT7 1 Tf 11.7397 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (co. Ejemplos de)Tj ET EMC /P <>BDC BT 9 0 0 9 327.2353 248.0334 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 236.0334 Tm -.005 Tc (aplicaciones )Tj /TT7 1 Tf 5.7739 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech son:)Tj ET EMC /P <>BDC BT 9 0 0 9 251.8174 236.0334 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 164.016 218.0573 Tm -.005 Tc [(P)5.4(a)7.3(yP)5.4(al)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 191.1724 218.0573 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 153 218.0573 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.016 200.0814 Tm 0 0 0 1 k -.005 Tc [(Google W)16.1(allet)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 218.8683 200.0814 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 153 200.0814 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.016 182.1054 Tm 0 0 0 1 k -.005 Tc [(Air)-24.4(tm)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 185.9395 182.1054 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 153 182.1054 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.016 164.1293 Tm 0 0 0 1 k -.005 Tc [(V)21.5(enmo)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 192.0787 164.1293 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 153 164.1293 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.016 146.1534 Tm 0 0 0 1 k -.005 Tc (Skrill)Tj ET EMC /LBody <>BDC BT 9 0 0 9 183.2446 146.1534 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 153 146.1534 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 164.016 128.1774 Tm 0 0 0 1 k -.005 Tc (Uphold)Tj ET EMC /LBody <>BDC BT 9 0 0 9 191.981 128.1774 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 153 128.1774 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 144 104.1774 Tm -.005 Tc (3. )Tj ET EMC /P <>BDC BT 9 0 0 9 153.8846 104.1774 Tm [(Pr)17.6(ocesos)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 191.4451 104.1774 Tm 0 0 0 1 k [(Un pr)9.8(oceso es un conjunt)9.8(o de)]TJ ET EMC /P <>BDC BT 9 0 0 9 318.6885 104.1774 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 92.1774 Tm -.005 Tc [(actividades diseadas par)19.5(a cumplir con un)]TJ ET EMC /P <>BDC BT 9 0 0 9 322.5121 92.1774 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 80.1774 Tm -.005 Tc [(objetiv)7.3(o espec)]TJ /TT7 1 Tf 6.5959 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(co, t)9.8(omando entr)19.5(adas de)]TJ /TT7 1 Tf 10.8997 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nidas y)Tj ET EMC /P <>BDC BT 9 0 0 9 349.1456 80.1774 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 153.875 68.1774 Tm -.005 Tc [(convir)-24.4(tindolas en salidas de)]TJ /TT7 1 Tf 12.7642 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (nidas)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 298.3957 71.1474 Tm 0 Tc (1)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 301.3831 71.1474 Tm (8)Tj ET EMC /P <>BDC BT 9 0 0 9 304.3703 68.1774 Tm (.)Tj ET EMC /P <>BDC BT 9 0 0 9 306.694 68.1774 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 371.5814 661.8894 Tm -.005 Tc (A continuacin, se listan los siguientes ejemplos)Tj ET EMC /P <>BDC BT 9 0 0 9 562.9915 661.8894 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 371.5814 649.8894 Tm -.005 Tc [(de pr)9.8(ocesos )]TJ /TT7 1 Tf 5.6436 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech:)Tj ET EMC /P <>BDC BT 9 0 0 9 451.5641 649.8894 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 384.7814 631.8894 Tm -.005 Tc [(Donaciones basadas en r)9.3(ecaudaciones )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 541.8704 631.8894 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 371.5814 631.8894 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 384.7064 619.8894 Tm 0 0 0 1 k -.005 Tc (de fondos)Tj ET EMC /LBody <>BDC BT 9 0 0 9 424.4455 619.8894 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 384.7814 601.8894 Tm -.005 Tc [(Pr)9.8(ocesos de r)9.3(eclamos de segur)9.8(os)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 518.9802 601.8894 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 371.5814 601.8894 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 384.7814 583.8894 Tm 0 0 0 1 k -.005 Tc [(Pr)9.8(ocesos de pagos)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 460.7452 583.8894 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 371.5814 583.8894 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 382.5973 565.9134 Tm 0 0 0 1 k -.005 Tc [( Pr)9.8(ocesos de factur)19.5(acin de salud)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 516.7501 565.9134 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 371.5814 565.9134 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 362.5814 541.9133 Tm -.005 Tc (4. )Tj ET EMC /P <>BDC BT 9 0 0 9 372.4659 541.9133 Tm [(Pr)17.6(oduct)14.6(os)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 413.506 541.9133 Tm 0 0 0 1 k [(Un pr)9.8(oduct)9.8(o es una )39.1(solucin o)]TJ ET EMC /P <>BDC BT 9 0 0 9 543.0598 541.9133 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 372.4565 529.9133 Tm -.005 Tc [(componente de una solucin que es el r)9.3(esultado)]TJ ET EMC /P <>BDC BT 9 0 0 9 563.6498 529.9133 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 372.4565 517.9133 Tm -.005 Tc [(de una iniciativ)7.3(a)32.7()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 439.1248 520.8834 Tm 0 Tc (1)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 442.112 520.8834 Tm (9)Tj ET EMC /P <>BDC BT 9 0 0 9 445.0992 517.9133 Tm -.005 Tc [(. Ejemplos de pr)9.8(oduct)9.8(os)]TJ ET EMC /P <>BDC BT 9 0 0 9 540.4016 517.9133 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 372.4565 505.9133 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech son:)Tj ET EMC /P <>BDC BT 9 0 0 9 418.4337 505.9133 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 382.5973 487.9374 Tm -.005 Tc [(Pr)9.8(oduct)9.8(os m)7.3(viles como: )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 485.4792 487.9374 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 371.5814 487.9374 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 391.9876 475.9374 Tm 0 0 0 1 k [(M)14.2(TN Mobile)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 440.9074 475.9374 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 381.5814 475.9374 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 391.9876 463.9374 Tm (Nequi)Tj ET EMC /LBody <>BDC BT 9 0 0 9 415.4324 463.9374 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 381.5814 463.9374 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 391.9876 451.9374 Tm [(Da)7.3(viPlata)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 429.8552 451.9374 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 381.5814 451.9374 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 391.9876 439.9374 Tm (Mpesa)Tj ET EMC /LBody <>BDC BT 9 0 0 9 419.1984 439.9374 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 381.5814 439.9374 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 382.5973 421.9614 Tm -.005 Tc [(Cript)9.8(omonedas como: )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 472.6866 421.9614 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 371.5814 421.9614 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 391.9876 409.9614 Tm 0 0 0 1 k (Bitcoin)Tj ET EMC /LBody <>BDC BT 9 0 0 9 419.7083 409.9614 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 381.5814 409.9614 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 391.9876 397.9614 Tm (Litecoin)Tj ET EMC /LBody <>BDC BT 9 0 0 9 423.716 397.9614 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 381.5814 397.9614 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 391.9876 385.9614 Tm [(Ether)9.3(eum)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 430.3474 385.9614 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 381.5814 385.9614 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 391.9876 373.9614 Tm (Dai)Tj ET EMC /LBody <>BDC BT 9 0 0 9 404.9691 373.9614 Tm ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 381.5814 373.9614 Tm ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 391.9876 361.9614 Tm -.02 Tc [(Moner)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 421.7222 361.9614 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC BT 9 0 0 9 381.5814 361.9614 Tm ()Tj ET EMC /P <>BDC BT 9 0 0 9 371.5814 337.9614 Tm -.02 Tc [(En consecuencia, los pr)9.8(oduct)9.8(os )]TJ /TT7 1 Tf 13.674 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ntech pueden ser)Tj ET EMC /P <>BDC BT 9 0 0 9 565.4117 337.9614 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 371.5814 325.9614 Tm -.02 Tc [(cr)9.3(eados usando las siguientes fases tr)19.5(adicionales)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.0984 325.9614 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 371.5814 313.9614 Tm -.02 Tc [(de desarr)9.8(ollo de nue)6.3(v)7.3(os pr)9.8(oduct)9.8(os)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 503.4766 316.9314 Tm 0 Tc (2)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 506.3289 316.9314 Tm (0)Tj ET EMC /P <>BDC BT 9 0 0 9 509.1811 313.9614 Tm (:)Tj ET EMC /P <>BDC BT 9 0 0 9 511.1809 313.9614 Tm ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 382.5973 295.9854 Tm -.005 Tc [(Gener)19.5(acin del concept)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 480.7606 295.9854 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 371.5814 295.9854 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 382.5973 278.0093 Tm 0 0 0 1 k -.005 Tc [(Concept)9.8(o/e)6.3(v)7.3(aluacin del pr)9.8(o)7.3(y)6.3(ect)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 517.4939 278.0093 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 371.5814 278.0093 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 382.5973 260.0334 Tm 0 0 0 1 k -.005 Tc [(Desarr)9.8(ollo)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 422.9904 260.0334 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 371.5814 260.0334 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 382.5973 242.0573 Tm 0 0 0 1 k -.005 Tc [(Lanzamient)9.8(o)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 433.9536 242.0573 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 371.5814 242.0573 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 362.5814 218.0573 Tm -.005 Tc (5. )Tj ET EMC /P <>BDC BT 9 0 0 9 372.4659 218.0573 Tm [(Ser)-8.8(vicios)]TJ ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 409.5508 218.0573 Tm 0 0 0 1 k [(Un ser)-8.8(vicio es un )24.4(act)9.8(o de una)]TJ ET EMC /P <>BDC BT 9 0 0 9 535.0133 218.0573 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 372.4565 206.0573 Tm -.005 Tc [(actividad de a)7.3(yuda)32.7()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 449.1608 209.0274 Tm -.0083 Tc (21)Tj ET EMC /P <>BDC BT 9 0 0 9 455.1354 206.0573 Tm -.005 Tc (. En tal sentido, las)Tj ET EMC /P <>BDC BT 9 0 0 9 528.7658 206.0573 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 372.4565 194.0573 Tm -.005 Tc [(empr)9.3(esas )]TJ /TT7 1 Tf 4.6039 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech pueden pr)9.3(estar ser)-8.8(vicios)]TJ ET EMC /P <>BDC BT 9 0 0 9 540.141 194.0573 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 372.4565 182.0573 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(nancier)9.8(os tales como: )]TJ ET EMC /P <>BDC BT 9 0 0 9 466.7831 182.0573 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 382.5973 164.0814 Tm -.005 Tc [(Clculos de puntajes de cr)9.3(dit)9.8(os)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 511.0207 164.0814 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 371.5814 164.0814 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 382.5973 146.1054 Tm 0 0 0 1 k -.005 Tc [(Ser)-8.8(vicios de asesora de r)9.8(obots)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 506.3415 146.1054 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 371.5814 146.1054 Tm 0 .35 .9 0 k ()Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 382.5973 134.1054 Tm 0 0 0 1 k -.005 Tc [(conv)6.3(ersacionales par)19.5(a empr)9.3(esas )]TJ /TT7 1 Tf 14.7283 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /LBody <>BDC BT 9 0 0 9 542.2079 134.1054 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 382.5973 116.1293 Tm -.02 Tc [(P)5.4(agos m)7.3(viles de igual a igual \(P2P\))]TJ ET EMC /LBody <>BDC BT 9 0 0 9 521.8276 116.1293 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT13 1 Tf 12 0 0 12 371.5814 116.1293 Tm 0 .35 .9 0 k ()Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 362.5814 92.1293 Tm 0 0 0 1 k -.005 Tc [(A niv)6.3(el de GoFIS, la inno)7.3(v)7.3(acin juega un papel)]TJ ET EMC /P <>BDC BT 9 0 0 9 542.3887 92.1293 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5814 80.1293 Tm -.005 Tc [(impor)-24.4(tante en la gener)19.5(acin de ingr)9.3(esos. Adems,)]TJ ET EMC /P <>BDC BT 9 0 0 9 560.4042 80.1293 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 362.5814 68.1293 Tm -.005 Tc [(GoFIS apo)7.3(y)7.3(a)0( la implantacin de la estr)19.5(ategia de la)]TJ ET EMC /P <>BDC BT 9 0 0 9 559.1541 68.1293 Tm 0 Tc ( )Tj ET EMC Q endstream endobj 367 0 obj <>/ExtGState<>>> endobj 383 0 obj <> endobj 385 0 obj <> endobj 387 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 490.9714 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 512.4123 23.0228 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 23.0228 Tm .5 .26 .09 0 k [( V)6.3(OL 4)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 23.0228 Tm .5 .26 .09 0 k (5)Tj ET EMC /P <>BDC /GS2 gs BT 9 0 0 9 36.5529 669.3934 Tm 0 0 0 1 k -.005 Tc [(empr)9.3(esa )]TJ /TT7 1 Tf 4.0933 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech. Como se ilustr)19.5(a en la )]TJ ET EMC /P <>BDC BT /TT8 1 Tf 9 0 0 9 190.0144 669.3934 Tm 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)14.6(a 3)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 220.7293 669.3934 Tm 0 Tc (,)Tj ET EMC /P <>BDC BT 9 0 0 9 222.4509 669.3934 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5529 657.3934 Tm -.005 Tc [(GoFIS es la interseccin del gobierno corpor)19.5(ativ)7.3(o)]TJ ET EMC /P <>BDC BT 9 0 0 9 229.9889 657.3934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 36.5529 645.3934 Tm ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech y las soluciones inno)7.3(v)7.3(ador)19.5(as )]TJ /TT7 1 Tf 15.577 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech.)Tj ET EMC /P <>BDC BT 9 0 0 9 211.0635 645.3934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5529 621.3934 Tm -.005 Tc [(El siguiente es un r)9.3(esumen de las cinco soluciones)]TJ ET EMC /P <>BDC BT 9 0 0 9 236.7686 621.3934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5529 609.3934 Tm -.005 Tc [(inno)7.3(v)7.3(ador)19.5(as )]TJ /TT7 1 Tf 5.6304 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech mencionadas anteriormente:)Tj ET EMC /P <>BDC BT 9 0 0 9 230.1336 609.3934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5529 585.3934 Tm -.005 Tc [(T)55.2(al como se ilustr)19.5(a en la )]TJ ET EMC /P <>BDC BT /TT8 1 Tf 9 0 0 9 134.4668 585.3934 Tm 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc [(gur)14.6(a 4)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 165.1817 585.3934 Tm [(, el mt)9.8(odo GoFIS)]TJ ET EMC /P <>BDC BT 9 0 0 9 234.6943 585.3934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5529 573.3934 Tm -.005 Tc [(posee dos vas v)6.3(e)0(r)-24.4(ticales de gobierno: la va de la)]TJ ET EMC /P <>BDC BT 9 0 0 9 231.1294 573.3934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 36.5529 561.3934 Tm -.005 Tc [(junta dir)9.3(ectiv)7.3(a y la va de la alta ger)9.3(encia. Sin)]TJ ET EMC /P <>BDC BT 9 0 0 9 212.1426 561.3934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.0285 669.3934 Tm -.005 Tc [(embar)9.3(go, antes de abor)9.3(dar dichas vas, es)]TJ ET EMC /P <>BDC BT 9 0 0 9 419.9323 669.3934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.0285 657.3934 Tm -.005 Tc [(impor)-24.4(tante clari)]TJ /TT7 1 Tf 6.9508 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (car las siguientes ideas:)Tj ET EMC /P <>BDC BT 9 0 0 9 416.3012 657.3934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.0285 645.3934 Tm -.005 Tc [(r)9.3(endimient)9.8(o de cuentas que r)9.3(equier)9.3(e la)]TJ ET EMC /P <>BDC BT 9 0 0 9 413.6491 645.3934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.0285 633.3934 Tm -.005 Tc [()24.4(aut)9.8(orizacin de una persona o grupo par)19.5(a apr)9.8(obar)]TJ ET EMC /P <>BDC BT 9 0 0 9 454.0739 633.3934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.0285 621.3934 Tm -.005 Tc (o aceptar la ejecucin de una actividad)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 410.6653 624.3635 Tm 0 Tc (2)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 413.6524 624.3635 Tm (2)Tj ET EMC /P <>BDC BT 9 0 0 9 416.6398 621.3934 Tm -.005 Tc ( y)Tj ET EMC /P <>BDC BT 9 0 0 9 423.0361 621.3934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.0285 609.3934 Tm -.005 Tc [(r)9.3(esponsabilidad que )24.4(asegur)19.5(a que una persona)]TJ ET EMC /P <>BDC BT 9 0 0 9 445.2484 609.3934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.0285 597.3934 Tm -.005 Tc [(r)9.3(ealice las actividades exit)9.8(osamente)6.8()]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 400.3852 600.3635 Tm 0 Tc (2)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 403.3724 600.3635 Tm (3)Tj ET EMC /P <>BDC BT 9 0 0 9 406.3597 597.3934 Tm (.)Tj ET EMC /P <>BDC BT 9 0 0 9 408.6833 597.3934 Tm ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.0285 573.3934 Tm -.005 Tc [(En la va de la junta dir)9.3(ectiv)7.3(a, los miembr)9.8(os de la)]TJ ET EMC /P <>BDC BT 9 0 0 9 444.6587 573.3934 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 254.0285 561.3934 Tm -.005 Tc [(junta dir)9.3(ectiv)7.3(a rinden cuentas por las )28.8(decisiones)]TJ ET EMC /P <>BDC BT 9 0 0 9 456.3724 561.3934 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q q 1 i 34.486 296.072 425.042 -302.39 re W n 34.471 296.072 425.057 -302.405 re W n 34.471 296.072 425.057 -195.815 re 458.6 561.393 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .57647 .26275 .023529 0 k /GS1 gs 34.486 283.63 424.247 12.442 re f .10588 .015686 .094118 0 k 35.619 101.41 423.909 179.637 re f Q q 1 i 34.471 296.072 425.057 -302.405 re W n 34.471 296.072 425.057 -195.815 re 458.6 561.393 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 0 0 0 K 0 J 0 j 1.985 w 10 M [] 0 d /GS1 gs q 1 0 0 1 36.798 282.338 cm 0 0 m 421.424 0 l S Q BT /F2 1 Tf 9 0 0 9 204.6074 287.2505 Tm 0 0 0 0 k 0 Tc 0 Tw [(Figur)9.8(e).1( 4Vas de GoFIS)]TJ ET .57647 .26275 .023529 0 k q 1 0 0 1 113.038 160.841 cm 0 0 m 0 -23.991 -5.9736 -43.438 -13.342 -43.438 c -20.711 -43.438 -26.684 -23.991 -26.684 0 c -26.684 23.99 -20.711 43.437 -13.342 43.437 c -5.9736 43.437 0 23.99 0 0 c f Q q 1 0 0 1 99.697 204.278 cm 0 0 m 119.988 -.2519 l 122.091 -86.876 l 0 -86.876 l 0 0 l f Q .29412 .13333 .011765 0 k q 1 0 0 1 234.459 160.841 cm 0 0 m 0 -23.991 -5.973 -43.438 -13.342 -43.438 c -20.71 -43.438 -26.683 -23.991 -26.683 0 c -26.683 23.99 -20.71 43.437 -13.342 43.437 c -5.973 43.437 0 23.99 0 0 c f Q .015686 .3451 .8902 0 K 2 w q 1 0 0 1 86.466 166.427 cm 0 0 m 121.31 0 l S Q .57647 .26275 .023529 0 k q 1 0 0 1 287.307 160.841 cm 0 0 m 0 -23.991 -5.973 -43.438 -13.341 -43.438 c -20.71 -43.438 -26.683 -23.991 -26.683 0 c -26.683 23.99 -20.71 43.437 -13.341 43.437 c -5.973 43.437 0 23.99 0 0 c f Q q 1 0 0 1 273.966 204.278 cm 0 0 m 119.988 -.2519 l 122.091 -86.876 l 0 -86.876 l 0 0 l f Q .29412 .13333 .011765 0 k q 1 0 0 1 408.728 160.841 cm 0 0 m 0 -23.991 -5.973 -43.438 -13.341 -43.438 c -20.71 -43.438 -26.683 -23.991 -26.683 0 c -26.683 23.99 -20.71 43.437 -13.341 43.437 c -5.973 43.437 0 23.99 0 0 c f Q q 1 0 0 1 260.735 166.427 cm 0 0 m 121.31 0 l S Q BT 14 0 0 14 94.6677 188.6814 Tm 0 0 0 0 k (Va de la junta)Tj 0 -1 TD [(dir)10.1(e)-.3(ctiv)7.2(a)]TJ 12.5653 1 TD -.0001 Tc .0001 Tw (Va de la alta)Tj 0 -1 TD .0001 Tc 0 Tw [(ger)10.3(e)-.2(ncia)]TJ /F4 1 Tf 11 0 0 11 272.8954 150.7723 Tm .015686 .3451 .8902 0 k 0 Tc ()Tj /F3 1 Tf 0 0 0 1 k .5 0 TD ( )Tj 0 0 0 0 k .229 0 TD .0001 Tc [(Pr)9.3(oduct)9.1(o).4(s)]TJ /F4 1 Tf .015686 .3451 .8902 0 k -.729 -1.2727 TD 0 Tc ()Tj /F3 1 Tf 0 0 0 1 k .5 0 TD ( )Tj 0 0 0 0 k .229 0 TD -.0001 Tc [(Pr)9.9(ocesos)]TJ /F4 1 Tf .015686 .3451 .8902 0 k -.729 -1.2727 TD 0 Tc ()Tj /F3 1 Tf 0 0 0 1 k .5 0 TD ( )Tj 0 0 0 0 k .229 0 TD (Aplicaciones)Tj /F4 1 Tf .015686 .3451 .8902 0 k -16.9316 2.5455 TD ()Tj /F3 1 Tf 0 0 0 1 k .5 0 TD ( )Tj 0 0 0 0 k .229 0 TD .0001 Tc (Nueos modelos de)Tj -.729 -1.2727 TD -.0001 Tc .5911 Tw [( negocio)]TJ /F4 1 Tf .015686 .3451 .8902 0 k T* 0 Tc 0 Tw ()Tj /F3 1 Tf 0 0 0 1 k .5 0 TD ( )Tj 0 0 0 0 k .229 0 TD [(Ser)-8.9(vicios)]TJ ET .72549 .12941 .67059 .007843 k q 1 0 0 1 232.45 252.086 cm 0 0 m 14.539 20.396 l 29.708 0 l 14.854 -21.726 l 0 0 l f Q .57647 .26275 .023529 0 K q 1 0 0 1 228.954 208.491 cm 0 0 m 18.35 21.868 l 34.709 1.3936 l S Q .57647 .26275 .023529 0 k q 1 0 0 1 233.712 206.404 cm 0 0 m -9.371 -3.4096 l -7.64 6.4102 l 0 0 l f Q q 1 0 0 1 258.857 207.912 cm 0 0 m 9.286 -3.6338 l 7.791 6.2251 l 0 0 l f Q EMC /Figure <>BDC Q .57647 .26275 .023529 0 k /GS1 gs 34.486 533.298 424.247 12.442 re f .10588 .015686 .094118 0 k 35.619 313.39 423.909 217.325 re f 0 0 0 0 K 0 J 0 j 1.985 w 10 M [] 0 d 1 i q 1 0 0 1 36.798 532.006 cm 0 0 m 421.424 0 l S Q BT /F2 1 Tf 9 0 0 9 136.1364 536.9182 Tm 0 0 0 0 k .0001 Tc -.0001 Tw [(Figur)10(e).2( 3Gobierno de soluciones inno)9.9(v)7.3(a).3(dor)15(a)0(s fintech \(GoFIS\))]TJ ET .57647 .26275 .023529 0 k q 1 0 0 1 166.381 422.026 cm 0 0 m 9.865 -9.376 23.547 -15.187 38.673 -15.187 c 55.127 -15.187 69.864 -8.306 79.845 2.556 c 69.98 11.932 56.299 17.743 41.173 17.743 c 24.719 17.743 9.982 10.861 0 0 c f Q 0 0 0 1 K 2 w q 1 0 0 1 314.176 422.804 cm 0 0 m 0 -55.768 -48.744 -100.976 -108.872 -100.976 c -169.001 -100.976 -217.745 -55.768 -217.745 0 c -217.745 55.767 -169.001 100.976 -108.872 100.976 c -48.744 100.976 0 55.767 0 0 c s Q .015686 .3451 .8902 0 K 3.092 w q 1 0 0 1 260.076 458.23 cm 0 0 m 0 -28.301 -24.372 -51.243 -54.436 -51.243 c -84.501 -51.243 -108.872 -28.301 -108.872 0 c -108.872 28.301 -84.501 51.244 -54.436 51.244 c -24.372 51.244 0 28.301 0 0 c s Q .72549 .12941 .67059 .007843 K q 1 0 0 1 262.576 388.673 cm 0 0 m 0 -28.301 -24.372 -51.244 -54.436 -51.244 c -84.501 -51.244 -108.872 -28.301 -108.872 0 c -108.872 28.301 -84.501 51.244 -54.436 51.244 c -24.372 51.244 0 28.301 0 0 c s Q BT 10 0 0 10 184.2264 384.991 Tm 0 0 0 1 k 0 Tc 0 Tw (Soluciones)Tj -.229 -1 TD [(inno)7.3(v)6.9(a).1(dor)14.9(as)]TJ 1.0322 -1 TD (fintech)Tj 0 0 0 0 k .2205 5.3792 TD (GoFIS)Tj 0 0 0 1 k -.5044 6.1008 TD (Goberno)Tj -.5952 -1 TD [(corpor)16.4(ativ)7.3(o)]TJ .8791 -1 TD (fintech)Tj 13.3221 4.8131 TD [(Empr)10.2(esa fintech)]TJ ET EMC endstream endobj 388 0 obj <>/ExtGState<>>> endobj 409 0 obj <> endobj 411 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 39.4019 23.0548 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 60.8428 23.0548 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7515 23.0548 Tm .5 .26 .09 0 k [( V)6.3(OL 4)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 0 .51505 31.531 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 12.8637 23.0548 Tm .5 .26 .09 0 k (6)Tj ET EMC /P <>BDC /GS2 gs BT 9 0 0 9 147.9175 625.3318 Tm 0 0 0 1 k -.005 Tc [(en el desarr)9.8(ollo y la implantacin de nue)6.3(v)7.3(o)0(s)]TJ ET EMC /P <>BDC BT 9 0 0 9 320.1199 625.3318 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 613.3318 Tm -.005 Tc [(modelos de negocio o ser)-8.8(vicios. )]TJ ET EMC /P <>BDC BT 9 0 0 9 277.4746 613.3318 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 589.3318 Tm -.02 Tc [(Del mismo modo, los ger)9.3(entes de pr)9.8(ogr)19.5(amas son)]TJ ET EMC /P <>BDC BT 9 0 0 9 335.7795 589.3318 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 577.3318 Tm -.02 Tc [(r)9.3(esponsables por el desarr)9.8(ollo y la implantacin de)]TJ ET EMC /P <>BDC BT 9 0 0 9 347.4398 577.3318 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 565.3318 Tm -.02 Tc [(nue)6.3(v)7.3(os modelos de negocio o ser)-8.8(vicios. En la va de)]TJ ET EMC /P <>BDC BT 9 0 0 9 345.8353 565.3318 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 553.3319 Tm -.02 Tc [(la alta ger)9.3(encia, los ger)9.3(entes seniors designados,)]TJ ET EMC /P <>BDC BT 9 0 0 9 334.7433 553.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 541.3319 Tm -.02 Tc [(tales como el dir)9.3(ect)9.8(or ejecutiv)7.3(o \(CEO\), el dir)9.3(ect)9.8(or)]TJ ET EMC /P <>BDC BT 9 0 0 9 333.0341 541.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 147.9175 529.3319 Tm ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(nancier)9.8(o \(CFO\), el dir)9.3(ect)9.8(or de tecnologa de)]TJ ET EMC /P <>BDC BT 9 0 0 9 317.1159 529.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 517.3319 Tm -.02 Tc [(informacin \(CIO\) o el dir)9.3(ect)9.8(or de oper)19.5(aciones \(COO\),)]TJ ET EMC /P <>BDC BT 9 0 0 9 350.8851 517.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 505.3319 Tm -.02 Tc [(rinden cuentas por el desarr)9.8(ollo y la implantacin de)]TJ ET EMC /P <>BDC BT 9 0 0 9 352.4982 505.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 493.3319 Tm -.005 Tc [(pr)9.8(ocesos, pr)9.8(oduct)9.8(os y aplicaciones.)]TJ ET EMC /P <>BDC BT 9 0 0 9 289.2884 493.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 469.3319 Tm -.02 Tc [(Igualmente, los ger)9.3(entes de pr)9.8(o)7.3(y)6.3(ect)9.8(os son)]TJ ET EMC /P <>BDC BT 9 0 0 9 309.0951 469.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 457.3319 Tm -.02 Tc [(r)9.3(esponsables por el desarr)9.8(ollo y la implantacin de)]TJ ET EMC /P <>BDC BT 9 0 0 9 347.4398 457.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 445.3319 Tm -.02 Tc [(pr)9.8(ocesos, pr)9.8(oduct)9.8(os y aplicaciones. Despus del)]TJ ET EMC /P <>BDC BT 9 0 0 9 333.6178 445.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 433.3319 Tm -.02 Tc [(desarr)9.8(ollo e implantacin de soluciones inno)7.3(v)7.3(ador)19.5(as)]TJ ET EMC /P <>BDC BT 9 0 0 9 348.8105 433.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT7 1 Tf 9 0 0 9 147.9175 421.3319 Tm ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech, la siguiente fase es la etapa de oper)19.5(acin.)]TJ ET EMC /P <>BDC BT 9 0 0 9 337.5824 421.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 409.3319 Tm -.02 Tc [(Est)9.8(o r)9.3(equier)9.3(e el nombr)19.5(amient)9.8(o de un ger)9.3(ente de)]TJ ET EMC /P <>BDC BT 9 0 0 9 330.8448 409.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 397.3319 Tm -.02 Tc [(oper)19.5(aciones que sea r)9.3(esponsable)6.8( por el)]TJ ET EMC /P <>BDC BT 9 0 0 9 305.6935 397.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 385.3319 Tm -.02 Tc [(funcionamient)9.8(o diario del negocio de las soluciones)]TJ ET EMC /P <>BDC BT 9 0 0 9 346.2133 385.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 373.3319 Tm -.02 Tc (implantadas )Tj /TT7 1 Tf 5.5203 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech \(FISB\), incluy)6.3(endo t)9.8(odo lo)]TJ ET EMC /P <>BDC BT 9 0 0 9 322.8947 373.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 361.3319 Tm -.02 Tc [(r)9.3(elacionado con las ganancias y pr)9.3(didas. Asimismo,)]TJ ET EMC /P <>BDC BT 9 0 0 9 350.2211 361.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 349.3319 Tm -.02 Tc [(se r)9.3(equier)9.3(e de un miembr)9.8(o de la alta ger)9.3(encia quien)]TJ ET EMC /P <>BDC BT 9 0 0 9 344.4643 349.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 147.9175 337.3319 Tm -.02 Tc [(r)9.3(endir)19.5( cuentas por las funciones diarias del FISB. )]TJ ET EMC /P <>BDC BT 9 0 0 9 346.104 337.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 361.3932 625.3318 Tm -.005 Tc [(Gobierno de la empr)9.3(esa )]TJ /TT8 1 Tf 10.8074 0 TD 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc (ntech \(GoFEN\) )Tj ET EMC /P <>BDC BT 9 0 0 9 524.5184 625.3318 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 361.3932 613.3318 Tm (E)Tj ET EMC /P <>BDC BT 9 0 0 9 366.4633 613.3318 Tm -.02 Tc [(ste es el niv)6.3(el en que el gobierno se aplica a los)]TJ ET EMC /P <>BDC BT 9 0 0 9 546.1262 613.3318 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 601.3318 Tm -.02 Tc [(siguientes desafos empr)9.3(esariales )]TJ /TT7 1 Tf 14.7619 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ntech: gestin de)Tj ET EMC /P <>BDC BT 9 0 0 9 564.4966 601.3318 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 589.3318 Tm -.02 Tc [(inv)6.3(ersiones, gestin de clientes, le)6.3(y)6.3(es y r)9.3(egulaciones,)]TJ ET EMC /P <>BDC BT 9 0 0 9 562.432 589.3318 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 577.3318 Tm -.02 Tc [(integr)19.5(acin tecnolgica, seguridad y priv)7.3(acidad, as)]TJ ET EMC /P <>BDC BT 9 0 0 9 555.1717 577.3318 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 565.3318 Tm -.02 Tc [(como las pr)19.5(cticas de la gestin de riesgos de la)]TJ ET EMC /P <>BDC BT 9 0 0 9 546.9399 565.3318 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 553.3319 Tm -.02 Tc [(empr)9.3(esa)]TJ ET EMC /P <>BDC BT 5.4 0 0 5.4 395.105 556.3019 Tm 0 Tc (2)Tj ET EMC /P <>BDC BT 5.4 0 0 5.4 397.9573 556.3019 Tm (4)Tj ET EMC /P <>BDC BT 9 0 0 9 400.8096 553.3319 Tm -.02 Tc [(. Como se ilustr)19.5(a en la)]TJ ET EMC /P <>BDC BT /TT4 1 Tf 9 0 0 9 485.0882 553.3319 Tm 0 Tc ( )Tj /TT8 1 Tf .229 0 TD ()Tj /TT4 1 Tf .5884 0 TD -.02 Tc [(gur)14.6(a 5)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 516.9193 553.3319 Tm (, GoFEN es)Tj ET EMC /P <>BDC BT 9 0 0 9 558.5198 553.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 541.3319 Tm -.02 Tc [(la interseccin del gobierno corpor)19.5(ativ)7.3(o )]TJ /TT7 1 Tf 16.9554 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ntech y los)Tj ET EMC /P <>BDC BT 9 0 0 9 559.83 541.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 529.3319 Tm -.02 Tc [(desafos empr)9.3(esariales )]TJ /TT7 1 Tf 10.1675 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ntech.)Tj ET EMC /P <>BDC BT 9 0 0 9 481.3348 529.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 505.3319 Tm -.02 Tc [(Igualmente, en este niv)6.3(el de gobierno )]TJ /TT7 1 Tf 15.9544 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc (ntech, la junta)Tj ET EMC /P <>BDC BT 9 0 0 9 562.6427 505.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 493.3319 Tm -.02 Tc [(dir)9.3(ectiv)7.3(a y la alta ger)9.3(encia de la empr)9.3(esa conforman)]TJ ET EMC /P <>BDC BT 9 0 0 9 560.1858 493.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 481.3319 Tm -.02 Tc [(una junta dir)9.3(ectiv)7.3(a GoFEN par)19.5(a super)-8.8(visar los)]TJ ET EMC /P <>BDC BT 9 0 0 9 540.55 481.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 469.3319 Tm -.02 Tc [(desafos empr)9.3(esariales )]TJ /TT7 1 Tf 10.1675 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(ntech que enfr)9.3(enta la)]TJ ET EMC /P <>BDC BT 9 0 0 9 538.2645 469.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 457.3319 Tm -.02 Tc [(empr)9.3(esa. Asimismo, se establecen seis grupos de)]TJ ET EMC /P <>BDC BT 9 0 0 9 552.8942 457.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 445.3319 Tm -.02 Tc [(tr)19.5(abajo denominados fuerzas de tar)9.3(eas. Sin embar)9.3(go,)]TJ ET EMC /P <>BDC BT 9 0 0 9 565.4502 445.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 433.3319 Tm -.02 Tc [(es impor)-24.4(tante sealar que en cada fuerza de tar)9.3(ea se)]TJ ET EMC /P <>BDC BT 9 0 0 9 564.0441 433.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 421.3319 Tm -.02 Tc (de)Tj /TT7 1 Tf 1.0538 0 TD 0 Tc ()Tj /TT2 1 Tf .5337 0 TD -.02 Tc [(nen dos r)9.8(oles por cada grupo: jef)11.7(e y ger)9.3(ente de)]TJ ET EMC /P <>BDC BT 9 0 0 9 553.756 421.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 409.3319 Tm -.02 Tc [(pr)9.8(ogr)19.5(ama. El jef)11.7(e es un miembr)9.8(o de la junta dir)9.3(ectiv)7.3(a)]TJ ET EMC /P <>BDC BT 9 0 0 9 561.0694 409.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 397.3319 Tm -.02 Tc [(GoFEN y el ger)9.3(ente de pr)9.8(ogr)19.5(ama le r)9.3(epor)-24.4(ta)]TJ ET EMC /P <>BDC BT 9 0 0 9 523.3574 397.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 385.3319 Tm -.02 Tc [(dir)9.3(ectamente al jef)11.7(e \()]TJ ET EMC /P <>BDC BT /TT8 1 Tf 9 0 0 9 441.8439 385.3319 Tm 0 Tc ()Tj /TT4 1 Tf .5884 0 TD -.02 Tc [(gur)14.6(a 6)]TJ ET EMC /P <>BDC BT /TT2 1 Tf 9 0 0 9 471.6137 385.3319 Tm [(\). Como r)9.3(esultado, el jef)11.7(e)]TJ ET EMC /P <>BDC BT 9 0 0 9 566.3387 385.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 373.3319 Tm -.02 Tc (rinde cuentas por el )Tj ET EMC /P <>BDC BT 9 0 0 9 444.6609 373.3319 Tm -.005 Tc (desempeo de su fuerza de)Tj ET EMC /P <>BDC BT 9 0 0 9 554.05 373.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 361.3319 Tm -.005 Tc [(tar)9.3(ea y el ger)9.3(ente de pr)9.8(ogr)19.5(ama es r)9.3(esponsable)6.8( por)]TJ ET EMC /P <>BDC BT 9 0 0 9 565.4223 361.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 349.3319 Tm -.005 Tc [(abor)9.3(dar el desafo empr)9.3(esarial )]TJ /TT7 1 Tf 13.6297 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech)Tj ET EMC /P <>BDC BT 9 0 0 9 511.116 349.3319 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 361.3932 337.3319 Tm -.005 Tc [(corr)9.3(espondiente a su fuerza de tar)9.3(ea.)]TJ ET EMC /P <>BDC BT 9 0 0 9 508.4045 337.3319 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q q 1 i 144.015 323.95 425.042 -232.35 re W n 144 323.95 425.057 -232.35 re W n 144 323.95 422.891 -233.032 re 510.633 337.332 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .57647 .26275 .023529 0 k /GS1 gs 144.015 311.508 422.985 12.442 re f .10588 .015686 .094118 0 k 145.148 91.6 421.852 217.325 re f Q q 1 i 144 323.95 425.057 -232.35 re W n 144 323.95 422.891 -233.032 re 510.633 337.332 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 0 0 0 K 0 J 0 j 1.985 w 10 M [] 0 d /GS1 gs q 1 0 0 1 146.326 310.216 cm 0 0 m 421.424 0 l S Q BT /F2 1 Tf 9 0 0 9 265.994 315.128 Tm 0 0 0 0 k .0001 Tc -.0001 Tw [(Figur)10(e).2( 5Gobierno de la empr)11.8(esa fintech \(GoFEN\) )]TJ ET .57647 .26275 .023529 0 k q 1 0 0 1 275.91 200.236 cm 0 0 m 9.865 -9.376 23.547 -15.187 38.673 -15.187 c 55.127 -15.187 69.864 -8.306 79.845 2.556 c 69.98 11.932 56.299 17.743 41.173 17.743 c 24.719 17.743 9.982 10.861 0 0 c f Q 0 0 0 1 K 2 w q 1 0 0 1 423.705 201.014 cm 0 0 m 0 -55.768 -48.744 -100.976 -108.872 -100.976 c -169.001 -100.976 -217.745 -55.768 -217.745 0 c -217.745 55.767 -169.001 100.976 -108.872 100.976 c -48.744 100.976 0 55.767 0 0 c s Q .015686 .3451 .8902 0 K 3.092 w q 1 0 0 1 369.605 236.44 cm 0 0 m 0 -28.301 -24.372 -51.243 -54.436 -51.243 c -84.501 -51.243 -108.872 -28.301 -108.872 0 c -108.872 28.301 -84.501 51.244 -54.436 51.244 c -24.372 51.244 0 28.301 0 0 c s Q .72549 .12941 .67059 .007843 K q 1 0 0 1 372.105 166.883 cm 0 0 m 0 -28.301 -24.372 -51.244 -54.436 -51.244 c -84.501 -51.244 -108.872 -28.301 -108.872 0 c -108.872 28.301 -84.501 51.244 -54.436 51.244 c -24.372 51.244 0 28.301 0 0 c s Q BT 10 0 0 10 298.286 163.2008 Tm 0 0 0 1 k 0 Tc 0 Tw (Desafos)Tj -1.0849 -1 TD [(empr)10.4(esariales)]TJ 1.435 -1 TD (fintech)Tj 0 0 0 0 k .0742 5.3792 TD (GoFEN)Tj 0 0 0 1 k -.3581 6.1008 TD (Goberno)Tj -.5952 -1 TD [(corpor)16.4(ativ)7.3(o)]TJ .8791 -1 TD (fintech)Tj 13.3221 4.1282 TD [(Empr)10.2(esa fintech)]TJ ET EMC Q endstream endobj 412 0 obj <>/ExtGState<>>> endobj 434 0 obj <> endobj 439 0 obj <> endobj 444 0 obj <> endobj 449 0 obj <> endobj 454 0 obj <> endobj 459 0 obj <> endobj 464 0 obj <> endobj 469 0 obj <> endobj 474 0 obj <> endobj 479 0 obj <> endobj 484 0 obj <> endobj 489 0 obj <> endobj 494 0 obj <> endobj 499 0 obj <> endobj 500 0 obj <> endobj 502 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 490.9714 23.0228 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 512.4123 23.0228 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 543.321 23.0228 Tm .5 .26 .09 0 k [( V)6.3(OL 4)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 572.364 0 .51599 31.289 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 587.3827 23.0228 Tm .5 .26 .09 0 k (7)Tj ET EMC /P <>BDC BT /TT4 1 Tf 11 0 0 11 37.057 416.1949 Tm .72 .13 .61 .01 k -.005 Tc (Conclusin )Tj ET EMC /P <>BDC BT 11 0 0 11 94.5299 416.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 37.057 398.1949 Tm 0 0 0 1 k -.005 Tc [(Se pr)9.3(esentar)9.8(on tr)9.3(es niv)6.3(eles impor)-24.4(tantes de)]TJ ET EMC /P <>BDC BT 9 0 0 9 206.0974 398.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.057 386.1949 Tm -.005 Tc (gobierno )Tj /TT7 1 Tf 4.1279 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc [(ntech: gobierno corpor)19.5(ativ)7.3(o )]TJ /TT7 1 Tf 12.2956 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech,)Tj ET EMC /P <>BDC BT 9 0 0 9 218.5836 386.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.057 374.1949 Tm -.005 Tc [(GoFIS y GoFEN. Dentr)9.8(o de GoFIS, se r)9.3(esaltar)9.8(on dos)]TJ ET EMC /P <>BDC BT 9 0 0 9 237.9989 374.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.057 362.1949 Tm -.005 Tc [(vas v)6.3(e)0(r)-24.4(ticales de gobierno: la va de la junta)]TJ ET EMC /P <>BDC BT 9 0 0 9 210.2891 362.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.057 350.1949 Tm -.005 Tc [(dir)9.3(ectiv)7.3(a y la va de la alta ger)9.3(encia. Del mismo)]TJ ET EMC /P <>BDC BT 9 0 0 9 220.8339 350.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.057 338.1949 Tm -.005 Tc [(modo, se intr)9.8(odujer)9.8(on seis fuerzas de tar)9.3(eas de)]TJ ET EMC /P <>BDC BT 9 0 0 9 224.0528 338.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.057 326.1949 Tm -.005 Tc [(gobierno como par)-24.4(te de GoFES: gestin de)]TJ ET EMC /P <>BDC BT 9 0 0 9 205.9764 326.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.057 314.1949 Tm -.005 Tc [(inv)6.3(ersiones, gestin de clientes, le)6.3(y)6.3(es y)]TJ ET EMC /P <>BDC BT 9 0 0 9 190.933 314.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.057 302.1949 Tm -.005 Tc [(r)9.3(egulaciones, integr)19.5(acin tecnolgica, seguridad y)]TJ ET EMC /P <>BDC BT 9 0 0 9 233.7702 302.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.057 290.1949 Tm -.005 Tc [(priv)7.3(acidad, as como las pr)19.5(cticas pr)9.8(of)11.7(esionales de)]TJ ET EMC /P <>BDC BT 9 0 0 9 238.7307 290.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.057 278.1949 Tm -.005 Tc [(la gestin de riesgos. Como r)9.3(esultado, podemos)]TJ ET EMC /P <>BDC BT 9 0 0 9 227.8154 278.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.057 266.1949 Tm -.005 Tc [(concluir este ar)-24.4(tculo enfatizando que la ausencia)]TJ ET EMC /P <>BDC BT 9 0 0 9 232.8561 266.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.057 254.1949 Tm -.005 Tc (de mecanismos de gobierno impiden la con)Tj /TT7 1 Tf 19.1448 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (anza)Tj ET EMC /P <>BDC BT 9 0 0 9 233.3359 254.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.057 242.1949 Tm -.005 Tc [(de los inv)6.3(ersionistas y disminuy)6.3(en el cr)9.3(ecimient)9.8(o de)]TJ ET EMC /P <>BDC BT 9 0 0 9 241.6213 242.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC BT 9 0 0 9 37.057 230.1949 Tm -.005 Tc [(las or)9.3(ganizaciones )]TJ /TT7 1 Tf 8.4743 0 TD 0 Tc ()Tj /TT2 1 Tf .5487 0 TD -.005 Tc (ntech.)Tj ET EMC /P <>BDC BT 9 0 0 9 142.7053 230.1949 Tm 0 Tc ( )Tj ET EMC /P <>BDC /GS1 gs BT /TT4 1 Tf 11 0 0 11 37.057 204.1949 Tm .72 .13 .61 .01 k -.005 Tc (Notas )Tj /TT8 1 Tf 2.8787 0 TD 0 Tc ()Tj /TT4 1 Tf .6034 0 TD -.005 Tc (nales )Tj ET EMC /P <>BDC BT 11 0 0 11 104.3457 204.1949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 54.4205 186.1949 Tm 0 0 0 1 k -.005 Tc [(PricewaterhouseCoopers \(PwC)12.7(\), )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 184.5685 186.1949 Tm [(Redr)19.5(awing the)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 239.8427 186.1949 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 42.0569 186.1949 Tm 0 .35 .9 0 k (1)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 54.0569 174.1949 Tm 0 0 0 1 k -.005 Tc [(Lines: FinT)48.3(ech)39.1()54.7(s)0( Gr)9.8(owing In)]TJ /TT14 1 Tf 11.6263 0 TD 0 Tc ()Tj /TT6 1 Tf .5507 0 TD -.005 Tc (uence on Financial)Tj ET EMC /LBody <>BDC BT 9 0 0 9 236.0791 174.1949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 54.0569 162.1949 Tm -.005 Tc [(Ser)-8.8(vices)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 86.9242 162.1949 Tm (, USA, 2017)Tj ET EMC /LBody <>BDC BT 9 0 0 9 131.6799 162.1949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 54.4205 150.1949 Tm -.005 Tc [(Bar)9.3(cla)7.3(y Simpson,)]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 122.3391 150.1949 Tm [( FinT)48.3(ech: Gr)9.8(owth V)21.5(ersus)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 216.2087 150.1949 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 42.0569 150.1949 Tm 0 .35 .9 0 k (2)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 54.0569 138.1949 Tm 0 0 0 1 k -.005 Tc [(Go)7.3(v)6.3(ernance)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 100.2287 138.1949 Tm (, UK, 2018)Tj ET EMC /LBody <>BDC BT 9 0 0 9 139.4615 138.1949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 54.4205 126.1949 Tm -.005 Tc (Ibid)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 68.7294 126.1949 Tm 0 Tc (.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 71.0531 126.1949 Tm ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 42.0569 126.1949 Tm 0 .35 .9 0 k (3)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 54.4205 114.1949 Tm 0 0 0 1 k -.005 Tc (London Business School, The Fintech)Tj ET EMC /LBody <>BDC BT 9 0 0 9 205.2342 114.1949 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 42.0569 114.1949 Tm 0 .35 .9 0 k (4)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 54.0569 102.1949 Tm 0 0 0 1 k -.005 Tc [(Re)6.3(v)7.3(olution,)83( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 101.9791 102.1949 Tm [(London Business School Re)6.3(view)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 227.0569 102.1949 Tm 0 Tc (,)Tj ET EMC /LBody <>BDC BT 9 0 0 9 228.7786 102.1949 Tm ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 54.0569 90.1949 Tm -.005 Tc [(v)7.3(ol. 26, iss. 3, 2015, p. 5053)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 168.0586 90.1949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.9205 417.6949 Tm -.005 Tc [(Kjaer)60.1(, A. M.; )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 321.0701 417.6949 Tm [(Go)7.3(v)6.3(ernance: K)12.7(e)6.3(y Concepts)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 424.6419 417.6949 Tm (, )Tj ET EMC /LBody <>BDC BT 9 0 0 9 428.5466 417.6949 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 260.557 417.6949 Tm 0 .35 .9 0 k (5)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 272.557 405.6949 Tm 0 0 0 1 k -.005 Tc [(P)6.3(olity Pr)9.3(ess, UK, 2004)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 358.4868 405.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.9205 393.6949 Tm -.005 Tc [(Alv)7.3(ar)9.3(ez-Dionisi, L. E.; )58.6(A)0( Fintech Risk)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 414.7356 393.6949 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 260.557 393.6949 Tm 0 .35 .9 0 k (6)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 272.557 381.6949 Tm 0 0 0 1 k -.005 Tc [(Assessment Model,)83()]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 352.989 381.6949 Tm [( ISA)5.4(CA)]TJ ET EMC /LBody <>BDC BT 5.4 0 0 5.4 379.7235 384.6649 Tm 0 Tc ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 383.8235 381.6949 Tm -.005 Tc ( Journal)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 415.2228 381.6949 Tm (, )Tj ET EMC /LBody <>BDC BT 9 0 0 9 419.1275 381.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.557 369.6949 Tm -.005 Tc [(v)7.3(olume 3, 2020, )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 336.5511 369.6949 Tm [(https:/)109.4(/www)60.5(.isaca.or)9.3(g/ar)9.3(chiv)6.3(es)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 457.941 369.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 272.9205 357.6949 Tm -.005 Tc (Op cit)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 295.5198 357.6949 Tm ( PricewaterhouseCoopers)Tj ET EMC /LBody <>BDC BT 9 0 0 9 397.5984 357.6949 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 260.557 357.6949 Tm 0 .35 .9 0 k (7)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 272.9205 345.6949 Tm 0 0 0 1 k -.005 Tc (Op cit)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 295.5198 345.6949 Tm [( Bar)9.3(cla)7.3(y Simpson)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 363.8998 345.6949 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 260.557 345.6949 Tm 0 .35 .9 0 k (8)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 272.9205 333.6949 Tm 0 0 0 1 k -.005 Tc [(Hamak)9.8(er)60.1(, S.;Spotlight on Go)7.3(v)6.3(ernance,)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 426.0526 333.6949 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 260.557 333.6949 Tm 0 .35 .9 0 k (9)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 272.557 321.6949 Tm 0 0 0 1 k -.005 Tc [(Information Systems Contr)9.8(ol Journal)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 415.3035 321.6949 Tm (, )Tj ET EMC /LBody <>BDC BT 9 0 0 9 419.2082 321.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.557 309.6949 Tm -.005 Tc [(v)7.3(ol. 1, 2003, p. 15)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 340.9206 309.6949 Tm 0 Tc ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 346.7818 309.6949 Tm -.005 Tc (19)Tj ET EMC /LBody <>BDC BT 9 0 0 9 356.7993 309.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 273.0841 297.6949 Tm -.005 Tc [(F)10.2(ombrun, C. J.; Corpor)19.5(ate Go)7.3(v)6.3(ernance,)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 430.1218 297.6949 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 255.557 297.6949 Tm 0 .35 .9 0 k (10)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 272.557 285.6949 Tm 0 0 0 1 k -.005 Tc [(Corpor)19.5(ate Reputation Re)6.3(view)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 384.8972 285.6949 Tm [(, v)7.3(ol. 8, iss. 4, )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 438.4479 285.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.557 273.6949 Tm -.005 Tc (2006, p. 267)Tj ET EMC /LBody <>BDC BT 9 0 0 9 321.0338 273.6949 Tm 0 Tc ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 326.895 273.6949 Tm -.005 Tc (271)Tj ET EMC /LBody <>BDC BT 9 0 0 9 341.9213 273.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 273.0841 261.6949 Tm -.005 Tc [(Deane, S.; Corpor)19.5(ate Go)7.3(v)6.3(ernance: F)12.7(r)9.8(om)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 430.4745 261.6949 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 255.557 261.6949 Tm 0 .35 .9 0 k (11)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 272.557 249.6949 Tm 0 0 0 1 k -.005 Tc [(Compliance Obligation t)9.8(o)0( Business Imper)19.5(ativ)6.3(e,)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 458.543 249.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 272.557 237.6949 Tm -.005 Tc [(The Corpor)19.5(ate Go)7.3(v)6.3(ernance Advisor)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 407.7216 237.6949 Tm [(, v)7.3(ol. 14, )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 441.5305 237.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.557 225.6949 Tm -.005 Tc (number 4, 2006, p. 13)Tj ET EMC /LBody <>BDC BT 9 0 0 9 357.5298 225.6949 Tm 0 Tc ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 363.3911 225.6949 Tm -.005 Tc (20)Tj ET EMC /LBody <>BDC BT 9 0 0 9 373.4086 225.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 273.0841 213.6949 Tm -.005 Tc [(Or)9.3(ganisation for E)9.3(conomic Co-oper)19.5(ation and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 448.5186 213.6949 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 255.557 213.6949 Tm 0 .35 .9 0 k (12)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 272.557 201.6949 Tm 0 0 0 1 k -.005 Tc [(De)6.3(v)6.3(elopment \(OECD\), )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 359.7589 201.6949 Tm (OECD Principles of)Tj ET EMC /LBody <>BDC BT 9 0 0 9 432.6718 201.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.557 189.6949 Tm -.005 Tc [(Corpor)19.5(ate Go)7.3(v)6.3(ernance)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 359.3766 189.6949 Tm [(, F)12.7(r)19.5(ance, 2004)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 414.0213 189.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 273.0841 177.6949 Tm -.005 Tc (Ibid)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 287.393 177.6949 Tm 0 Tc (.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 289.7167 177.6949 Tm ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 255.557 177.6949 Tm 0 .35 .9 0 k (13)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 273.0841 165.6949 Tm 0 0 0 1 k -.005 Tc [(Schindler)60.1(, J.; FinT)48.3(ech and Financial Inno)7.3(v)7.3(ation:)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 459.3262 165.6949 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 255.557 165.6949 Tm 0 .35 .9 0 k (14)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 272.557 153.6949 Tm 0 0 0 1 k -.005 Tc [(Driv)6.3(ers and Depth,)83( Finance and E)9.3(conomics)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 443.3256 153.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.557 141.6949 Tm -.005 Tc (Discussion Series 2017)Tj ET EMC /LBody <>BDC BT 9 0 0 9 364.9467 141.6949 Tm 0 Tc ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 370.8081 141.6949 Tm -.005 Tc [(081, Boar)9.3(d of)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 423.5333 141.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.557 129.6949 Tm -.005 Tc [(Go)7.3(v)6.3(ernors of the F)10.2(eder)19.5(al Reser)-8.8(v)6.3(e)0( System, )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 439.0584 129.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.557 117.6949 Tm -.005 Tc (USA, 2017, )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 317.3127 117.6949 Tm [(https:/)109.4(/doi.or)9.3(g/10.17016/)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 416.4185 117.6949 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 272.557 105.6949 Tm -.005 Tc (FEDS.2017.081)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 332.164 105.6949 Tm 0 Tc ( )Tj ET EMC /Figure <>BDC Q q 1 i 36.015 638.374 425.042 -204.63 re W n 36 638.382 425.057 -204.638 re W n 36 638.382 425.057 -204.203 re 334.392 105.695 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n .57647 .26275 .023529 0 k /GS1 gs 36.015 625.94 424.247 12.434 re f .10588 .015686 .094118 0 k 37.148 434.16 423.909 189.197 re f Q q 1 i 36 638.382 425.057 -204.638 re W n 36 638.382 425.057 -204.203 re 334.392 105.695 m W* n 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n 0 0 0 0 K 0 J 0 j 1.985 w 10 M [] 0 d /GS1 gs q 1 0 0 1 38.326 624.648 cm 0 0 m 421.424 0 l S Q BT /F2 1 Tf 9 0 0 9 186.31 629.5602 Tm 0 0 0 0 k 0 Tc 0 Tw [(Figur)9.9(e).1( 6F)11.5(u)-.2(erzas de tar)11(e).1(as GoFEN)]TJ ET .57647 .26275 .023529 0 K .76 w q 1 0 0 1 77.782 527.871 cm 0 0 m 0 -52.923 l S 1 0 0 1 68.238 0 cm 0 0 m 0 -52.923 l S 1 0 0 1 67.305 0 cm 0 0 m 0 -52.923 l S 1 0 0 1 69.785 0 cm 0 0 m 0 -52.923 l S 1 0 0 1 67.49 0 cm 0 0 m 0 -52.923 l S 1 0 0 1 69.1 0 cm 0 0 m 0 -52.923 l S Q .57647 .26275 .023529 0 k 61.26 565.309 372.999 45.527 re f 0 0 0 0 k 45.122 487.428 64.707 33.279 re f 1 w 109.828 487.428 -64.707 33.279 re S 113.666 487.428 64.707 33.279 re f 178.373 487.428 -64.707 33.279 re S 182.211 487.428 64.707 33.279 re f 246.918 487.428 -64.707 33.279 re S 250.756 487.428 64.707 33.279 re f 315.463 487.428 -64.707 33.279 re S 319.302 487.428 64.706 33.279 re f 384.008 487.428 -64.706 33.279 re S 387.847 487.428 64.706 33.279 re f 452.553 487.428 -64.706 33.279 re S 45.122 443.75 64.707 33.278 re f 109.828 443.75 -64.707 33.278 re S 113.666 443.75 64.707 33.278 re f 178.373 443.75 -64.707 33.278 re S 182.211 443.75 64.707 33.278 re f 246.918 443.75 -64.707 33.278 re S 250.756 443.75 64.707 33.278 re f 315.463 443.75 -64.707 33.278 re S 319.302 443.75 64.706 33.278 re f 384.008 443.75 -64.706 33.278 re S 387.847 443.75 64.706 33.278 re f 452.553 443.75 -64.706 33.278 re S .302 w q 1 0 0 1 77.781 566.234 cm 0 0 m 0 -8.3195 l S 1 0 0 1 68.239 0 cm 0 0 m 0 -8.3195 l S 1 0 0 1 67.305 0 cm 0 0 m 0 -8.3195 l S 1 0 0 1 69.785 0 cm 0 0 m 0 -8.3195 l S 1 0 0 1 67.49 0 cm 0 0 m 0 -8.3195 l S 1 0 0 1 69.1 0 cm 0 0 m 0 -8.3195 l S Q BT 14 0 0 14 186.798 582.8732 Tm -.0001 Tc .0001 Tw [(Junta dir)9(e)-.4(ctiv)7.1(a GoFEN)]TJ /F3 1 Tf 9 0 0 9 50.6147 549.6134 Tm 0 0 0 1 k 0 Tc -.0001 Tw [(F)10.4(u)-.6(erza de tar)8.8(e)0(a)]TJ .3846 -1 TD (de gestin de)Tj .4062 -1 TD .0001 Tc 0 Tw [(inv)7(e).3(rsiones)]TJ 1.3882 -3.4484 TD [(Jef)11.2(e)]TJ -1.2693 -4.2977 TD 0 Tc -.0001 Tw [(Ger)8.6(e).2(nte de)]TJ .2429 -1 TD .0003 Tc 0 Tw [(pr)9.7(ogr)19.4(a).6(ma)]TJ 7.2823 1 TD 0 Tc -.0001 Tw [(Ger)8.6(e).2(nte de)]TJ .2429 -1 TD .0003 Tc 0 Tw [(pr)9.7(ogr)19.4(a).6(ma)]TJ 7.3508 1 TD 0 Tc -.0001 Tw [(Ger)8.6(e).2(nte de)]TJ .2429 -1 TD .0003 Tc 0 Tw [(pr)9.7(ogr)19.4(a).6(ma)]TJ 7.3537 1 TD 0 Tc -.0001 Tw [(Ger)8.6(e).2(nte de)]TJ .2429 -1 TD .0003 Tc 0 Tw [(pr)9.7(ogr)19.4(a).6(ma)]TJ 7.1993 1 TD 0 Tc -.0001 Tw [(Ger)8.6(e).2(nte de)]TJ .2429 -1 TD .0003 Tc 0 Tw [(pr)9.7(ogr)19.4(a).6(ma)]TJ 7.5278 1 TD 0 Tc -.0001 Tw [(Ger)8.6(e).2(nte de)]TJ .2429 -1 TD .0003 Tc 0 Tw [(pr)9.7(ogr)19.4(a).6(ma)]TJ -29.3767 5.2977 TD .0001 Tc [(Jef)11.2(e)-5869(Jef)11.2(e)-5871.9(Jef)11.2(e)-5953(Jef)11.2(e)-5810.6(Jef)11.2(e)]TJ -2.179 5.4485 TD 0 Tc -.0001 Tw [(F)10.4(u)-.6(erza de tar)8.8(e)0(a)]TJ .3845 -1 TD (de gestin de)Tj 1.1111 -1 TD .0001 Tc 0 Tw (clientes)Tj 6.098 2 TD 0 Tc -.0001 Tw [(F)10.4(u)-.6(erza de tar)8.8(e)0(a)]TJ 1.1093 -1 TD -.0002 Tc .0001 Tw [(de le)5.6(y)6.8(e)-.4(s y)]TJ -.592 -1 TD .0001 Tc 0 Tw [(r)8.9(e).1(gulaciones)]TJ 7.0791 2 TD 0 Tc -.0001 Tw [(F)10.4(u)-.6(erza de tar)8.8(e)0(a)]TJ .2398 -1 TD .0001 Tc -.0002 Tw [(de integr)18.4(acin)]TJ .2576 -1 TD .0002 Tc 0 Tw (technolgica)Tj 6.9449 2 TD 0 Tc -.0001 Tw [(F)10.4(u)-.6(erza de tar)8.8(e)0(a)]TJ .1698 -1 TD -.0001 Tc 0 Tw (de seguridad y)Tj .8276 -1 TD 0 Tc [(priv)7.4(acidad)]TJ 6.7733 2 TD -.0001 Tw [(F)10.4(u)-.6(erza de tar)8.8(e)0(a)]TJ -.084 -1 TD (de la gestin de)Tj 1.6717 -1 TD 0 Tw (riesgos)Tj ET EMC Q endstream endobj 503 0 obj <>/ExtGState<>>> endobj 517 0 obj <> endobj 522 0 obj <> endobj 527 0 obj <> endobj 532 0 obj <> endobj 537 0 obj <> endobj 542 0 obj <> endobj 547 0 obj <> endobj 552 0 obj <> endobj 557 0 obj <> endobj 562 0 obj <> endobj 563 0 obj <>stream /P <>BDC q 1 i 0 783 603 -783 re 301.56 391.68 m W n .12 783.12 603.12 -783.12 re W n /GS2 gs BT /TT2 1 Tf 7 0 0 7 39.4019 23.0548 Tm 0 0 0 1 k 0 Tc 0 Tw [(ISA)5.4(CA )]TJ ET EMC /P <>BDC BT 7 0 0 7 60.8428 23.0548 Tm [(JOURN)-8.8(AL)]TJ ET EMC /P <>BDC /GS1 gs BT 7 0 0 7 91.7515 23.0548 Tm .5 .26 .09 0 k [( V)6.3(OL 4)]TJ ET EMC /Artifact <>BDC 0 0 0 1 k /GS2 gs 30.069 0 .51505 31.531 re f EMC /P <>BDC /GS1 gs BT 7 0 0 7 12.8637 23.0548 Tm .5 .26 .09 0 k (8)Tj ET EMC /LBody <>BDC /GS2 gs BT 9 0 0 9 160.5272 669.0005 Tm 0 0 0 1 k -.005 Tc [(Financial Stability Boar)9.3(d \(FSB\),)]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 281.2645 669.0005 Tm [( FinT)48.3(ech and)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 330.5982 669.0005 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 143 669.0005 Tm 0 .35 .9 0 k (15)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 160 657.0005 Tm 0 0 0 1 k -.005 Tc [(Mark)9.8(et Structur)9.3(e in Financial Ser)-8.8(vices: Mark)9.8(et)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 337.3683 657.0005 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 160 645.0005 Tm -.005 Tc [(De)6.3(v)6.3(elopments and P)6.3(otential Financial Stability)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 339.0778 645.0005 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 160 633.0005 Tm -.005 Tc (Implications)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 207.7341 633.0005 Tm [(, Switz)7.8(erland, 2019)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 281.6348 633.0005 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 160.5272 621.0005 Tm -.005 Tc [(16 Br)19.5(andenbur)9.3(ger)60.1(, A.; S. Harborne Stuar)-24.4(t;)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 321.5486 621.0005 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 143 621.0005 Tm 0 .35 .9 0 k (16)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 160 609.0006 Tm 0 0 0 1 k -.005 Tc [(V)22.5(alue-Based Business Str)19.5(ategy)52.2(,)83()0( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 291.4062 609.0006 Tm (Journal of)Tj ET EMC /LBody <>BDC BT 9 0 0 9 330.8148 609.0006 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 160 597.0006 Tm -.005 Tc [(E)9.3(conomics and Management Str)19.5(ategy)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 307.4727 597.0006 Tm [(, v)7.3(ol. 5,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 334.0898 597.0006 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 160 585.0006 Tm -.005 Tc (1996, p. 5)Tj ET EMC /LBody <>BDC BT 9 0 0 9 198.4593 585.0006 Tm 0 Tc ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 204.3206 585.0006 Tm -.005 Tc (25)Tj ET EMC /LBody <>BDC BT 9 0 0 9 214.3381 585.0006 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 160.5272 573.0005 Tm -.005 Tc [(Lee, I.; Y)103(.)0( J. Shin; Fintech: E)9.3(cosystem, Business)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 347.3132 573.0005 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 143 573.0005 Tm 0 .35 .9 0 k (17)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 160 561.0006 Tm 0 0 0 1 k -.005 Tc [(Models, Inv)6.3(estment Decisions, and Challenges,)83()]TJ ET EMC /LBody <>BDC BT 9 0 0 9 347.2296 561.0006 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 160 549.0006 Tm -.005 Tc [(Business Horiz)7.8(ons,)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 233.9896 549.0006 Tm [( K)12.7(elle)6.3(y School of Business,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 339.2063 549.0006 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 160 537.0006 Tm -.005 Tc [(Indiana Univ)6.3(ersity)52.2(, USA, v)7.3(ol. 61, 2018, p. 35)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 327.5959 537.0006 Tm 0 Tc ()Tj ET EMC /LBody <>BDC BT 9 0 0 9 333.4572 537.0006 Tm -.005 Tc (46)Tj ET EMC /LBody <>BDC BT 9 0 0 9 343.4747 537.0006 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 160.5272 525.0006 Tm -.005 Tc (International Institute of Business Analysis)Tj ET EMC /LBody <>BDC BT 9 0 0 9 328.8799 525.0006 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 143 525.0006 Tm 0 .35 .9 0 k (18)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 160 513.0006 Tm 0 0 0 1 k -.005 Tc (\(IIBA\), )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 186.2095 513.0006 Tm [(Business Analysis Body of K)11.2(nowledge)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 333.1483 513.0006 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 160 501.0006 Tm -.005 Tc (\(BABOK\))Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 194.0547 501.0006 Tm (, Canada, 2015)Tj ET EMC /LBody <>BDC BT 9 0 0 9 252.215 501.0006 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 379.0272 669.0005 Tm -.005 Tc (Ibid)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 393.336 669.0005 Tm 0 Tc (.)Tj ET EMC /LBody <>BDC BT 9 0 0 9 395.6597 669.0005 Tm ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 361.5 669.0005 Tm 0 .35 .9 0 k (19)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 379.0272 657.0005 Tm 0 0 0 1 k -.005 Tc [(Cr)19.5(awfor)9.3(d, M.; A. Di Benedett)9.8(o; )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 498.4515 657.0005 Tm [(New Pr)9.8(oducts)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 553.0148 657.0005 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 361.5 657.0005 Tm 0 .35 .9 0 k (20)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 378.5 645.0005 Tm 0 0 0 1 k -.005 Tc (Management)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 429.8925 645.0005 Tm [(, McGr)19.5(aw-Hill E)9.3(ducation, )]TJ ET EMC /LBody <>BDC BT 9 0 0 9 527.5614 645.0005 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 378.5 633.0005 Tm -.005 Tc (USA, 2014)Tj ET EMC /LBody <>BDC BT 9 0 0 9 419.351 633.0005 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.0272 621.0005 Tm -.03 Tc [(Dictionar)-8.8(y)52.2(.com., Ser)-8.8(vices,)83( )]TJ ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 481.0256 621.0005 Tm [(https:/)109.4(/www)60.5(.dictionar)-8.8(y)52.2(.)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 565.6201 621.0005 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 361.5 621.0005 Tm 0 .35 .9 0 k (21)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 378.5 609.0006 Tm 0 0 0 1 k -.005 Tc [(com/br)9.8(owse/ser)-8.8(vices)]TJ ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 463.5013 609.0006 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.0272 597.0006 Tm -.005 Tc [(ISA)5.4(CA, COBI)14.2(T 2019 F)12.7(r)19.5(amework: Go)7.3(v)6.3(ernance)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 560.4579 597.0006 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 361.5 597.0006 Tm 0 .35 .9 0 k (22)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT2 1 Tf 9 0 0 9 378.5 585.0006 Tm 0 0 0 1 k -.005 Tc [(and Management Objectiv)6.3(es, USA, 2018,)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 537.9393 585.0006 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT /TT6 1 Tf 9 0 0 9 378.5 573.0005 Tm -.005 Tc [(https:/)109.4(/www)60.5(.isaca.or)9.3(g/COBI)14.2(T/P)5.4(ages/)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 523.48 573.0005 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 378.5 561.0006 Tm -.005 Tc [(COBI)14.2(T)113.3(-2019-F)12.7(r)19.5(ameworkGo)7.3(v)6.3(ernance-and-)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 378.5 549.0006 Tm [(Management-Objectiv)6.3(es.asp)7.3(x)]TJ ET EMC /LBody <>BDC BT 9 0 0 9 493.4384 549.0006 Tm 0 Tc ( )Tj ET EMC /LBody <>BDC BT 9 0 0 9 379.0272 537.0006 Tm -.005 Tc (Ibid)Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 393.336 537.0006 Tm (. )Tj ET EMC /LBody <>BDC BT 9 0 0 9 402.2088 537.0006 Tm 0 Tc ( )Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 361.5 537.0006 Tm 0 .35 .9 0 k (23)Tj ET EMC /LBody <>BDC /GS2 gs BT /TT6 1 Tf 9 0 0 9 379.0272 525.0006 Tm 0 0 0 1 k -.005 Tc (Op cit )Tj ET EMC /LBody <>BDC BT /TT2 1 Tf 9 0 0 9 403.7875 525.0006 Tm (Lee, Shin)Tj ET EMC /Lbl <>BDC /GS1 gs BT /TT4 1 Tf 9 0 0 9 361.5 525.0006 Tm 0 .35 .9 0 k 0 Tc (24)Tj ET EMC Q endstream endobj 564 0 obj <>/ExtGState<>>> endobj 6 0 obj <> endobj 5 0 obj <> endobj 24 0 obj <>stream AdobedC         #"""#'''''''''' " s!1AQa"q2B#R3b$r%C4Scs5D'6Tdt& 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