On the other hand, technological innovations that are increasingly happening at a faster pace make the world in which we live to be in constant change. This trend has had a full impact on many sectors, with the financial sector being one of the most affected by technological disruption.
Proof of this is that a few years ago it was unthinkable to think of transferring money using a mobile phone. Today, it can be done safely and quickly. However, these innovations require that people to whom they are addressed have a minimum knowledge and technological skills, since otherwise they face the risk of being excluded from them or fraud victims
Technological competences encompass all those skills related to the search, processing and communication of information through several channels and help the consumer –or user– of financial products to carry out remote transactions, which facilitates their integration into the financial system.
