{"id":1935,"date":"2025-06-23T12:18:02","date_gmt":"2025-06-23T18:18:02","guid":{"rendered":"https:\/\/it-capital.com.mx\/en\/?p=1935"},"modified":"2026-03-26T15:30:56","modified_gmt":"2026-03-26T21:30:56","slug":"the-hidden-power-big-techs-foray-into-financial-services-a-significant-shift","status":"publish","type":"post","link":"https:\/\/it-capital.com.mx\/en\/the-hidden-power-big-techs-foray-into-financial-services-a-significant-shift\/","title":{"rendered":"\u201cThe Hidden Power\u201d Big Tech\u00b4s Foray into Financial Services: A Significant Shift?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1935\" class=\"elementor elementor-1935\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7a19e72 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a19e72\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f60abc\" data-id=\"2f60abc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f236e03 elementor-widget elementor-widget-image\" data-id=\"f236e03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/it-capital.com.mx\/el-poder-oculto-la-incursion-de-big-tech-en-los-servicios-financierosun-cambio-significativo\/\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"580\" height=\"290\" src=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2026\/03\/c2ad2f72-9f6b-4b8f-b48e-64ee21ba8a69-removebg-preview.png\" class=\"attachment-large size-large wp-image-2120\" alt=\"\" srcset=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2026\/03\/c2ad2f72-9f6b-4b8f-b48e-64ee21ba8a69-removebg-preview.png 707w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2026\/03\/c2ad2f72-9f6b-4b8f-b48e-64ee21ba8a69-removebg-preview-300x150.png 300w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2026\/03\/elementor\/thumbs\/c2ad2f72-9f6b-4b8f-b48e-64ee21ba8a69-removebg-preview-rkt10pgf6jt55nqjrrnuj8xs2ujsjbmtopdave34yw.png 200w\" sizes=\"(max-width: 580px) 100vw, 580px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6418050 elementor-widget elementor-widget-image\" data-id=\"6418050\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/07\/Image-ENG-Newsletter-33-2.png\" title=\"Image ENG Newsletter 33 (2)\" alt=\"Image ENG Newsletter 33 (2)\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a7e8f4 elementor-widget elementor-widget-text-editor\" data-id=\"0a7e8f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\" data-pm-slice=\"1 1 []\"><span style=\"color: #999999;\"><span style=\"font-size: 14px;\">Picture Source: IT Capital original -Big Tech\u00b4s Foray into Financial Services: A Significant Shift?<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3ecb37 elementor-widget elementor-widget-text-editor\" data-id=\"d3ecb37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1 mcePastedContent\" data-pm-slice=\"1 1 []\"><strong>Research Article Appro. (June 10th, 2025). <\/strong><em><strong><span style=\"text-decoration-line: underline;\">Big Tech&#8217;s Foray into Financial Services: A Significant Shift?<\/span><\/strong><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78ff114 elementor-widget elementor-widget-heading\" data-id=\"78ff114\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Abstract<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ba2f18 elementor-widget elementor-widget-text-editor\" data-id=\"6ba2f18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\" data-pm-slice=\"0 0 []\"><strong>The period between 2010 and the present has been marked by a significant and transformative entry of major technology companies\u2014known as Apple, Google (Alphabet), Meta, Amazon, Microsoft, Alibaba, among others, collectively referred to as \u201cBig Tech\u201d\u2014into financial services ecosystems, historically dominated by regulated banks and various public and private market financial institutions.\u2060<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91002d0 elementor-widget elementor-widget-heading\" data-id=\"91002d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Introduction A) User Base Comparison<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5989a3 elementor-widget elementor-widget-text-editor\" data-id=\"e5989a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\" data-pm-slice=\"0 0 []\">The traditional banking environment has been significantly transformed by the integration of financial services within the ecosystems of Big Tech companies. These tech giants leverage their vast user bases (with an estimated total of ~17.228 billion users in 2025 across the top 25), their advanced data analytics capabilities, and their technological infrastructure to offer financial products and services. This poses a direct challenge to the top 25 global banks, which have an estimated ~4.024 billion users in 2025, as well as to other financial institutions, including the top 25 digital banks and alternative financial entities, with a combined user base of approximately ~800 million in 2025.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53b6b24 elementor-widget elementor-widget-image\" data-id=\"53b6b24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1280\" height=\"853\" src=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/market-share.jpeg\" class=\"attachment-full size-full wp-image-1957\" alt=\"\" srcset=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/market-share.jpeg 1280w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/market-share-300x200.jpeg 300w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/market-share-1024x682.jpeg 1024w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/market-share-768x512.jpeg 768w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/market-share-1200x800.jpeg 1200w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33313d0 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"33313d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7812b0 elementor-widget elementor-widget-heading\" data-id=\"e7812b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Market Penetration Metrics<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5409a0 elementor-widget elementor-widget-text-editor\" data-id=\"d5409a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"0 0 []\">\u29bf <strong>Digital Payments<\/strong>: Big Tech controls approximately 32% of the global digital payments market, with projections to reach 40% by 2027.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-826e1f6 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"826e1f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca56493 elementor-widget elementor-widget-heading\" data-id=\"ca56493\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Future Strategies (2025\u20132030)<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a0d76c elementor-widget elementor-widget-text-editor\" data-id=\"2a0d76c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-pm-slice=\"0 0 []\">\u29bf <strong>Banking Licenses<\/strong>: Amazon or Apple could acquire ILC (Industrial Loan Company) licenses to reduce their reliance on financial partners.<\/p><p class=\"\">\u29bf <strong>Integration with Central Bank Digital Currencies (CBDCs)<\/strong>: Big Tech would act as distribution partners for digital dollars or euros.<\/p><p class=\"\">\u29bf <strong>AI-driven Banks<\/strong>: Microsoft or Google could launch autonomous banks powered by generative and agentive AI.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f859743 elementor-widget elementor-widget-image\" data-id=\"f859743\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"853\" height=\"1280\" src=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/top-rank.jpeg\" class=\"attachment-full size-full wp-image-1956\" alt=\"\" srcset=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/top-rank.jpeg 853w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/top-rank-200x300.jpeg 200w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/top-rank-682x1024.jpeg 682w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/top-rank-768x1152.jpeg 768w\" sizes=\"(max-width: 853px) 100vw, 853px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4a1022 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c4a1022\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a080e0 elementor-widget elementor-widget-heading\" data-id=\"3a080e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Financial Technology and the Legal Grey Zone Includes:<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d0123a elementor-widget elementor-widget-text-editor\" data-id=\"2d0123a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1 mcePastedContent\" data-pm-slice=\"0 0 []\">\u29bf <strong>Digital Payments and Wallets<\/strong> (Apple Pay, Google Pay, Amazon Pay)<\/p><p class=\"p1 mcePastedContent\">\u29bf <strong>Consumer Lending<\/strong> (Buy Now, Pay Later through Apple, Amazon, Meta)<\/p><p class=\"p1 mcePastedContent\">\u29bf <strong>Cloud Banking Infrastructure<\/strong> (AWS, Azure, Google Cloud hosting regulated banks)<\/p><p class=\"p1 mcePastedContent\">\u29bf <strong>AI-Based Financial Advisory<\/strong> (Chatbots, recommendation engines from Meta, Google, Microsoft)<\/p><p class=\"p1 mcePastedContent\">\u29bf <strong>Customer Data Monetization<\/strong> (Profiling and behavioral segmentation without banking-equivalent protections)<\/p><p class=\"p1 mcePastedContent\">\u29bf <strong>Predictive Models \/ Behavioral Profiling<\/strong> (Creation of personalized financial and business risk models through AI, LLMs, ML, and other predictive tools)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d392fd8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d392fd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d53a14 elementor-widget elementor-widget-heading\" data-id=\"5d53a14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Expert Conclusions<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b79dda7 elementor-widget elementor-widget-text-editor\" data-id=\"b79dda7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1 mcePastedContent\" data-pm-slice=\"0 0 []\">Experts highlight both opportunities and risks associated with Big Tech\u2019s entry into financial services:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d75fbe3 elementor-widget elementor-widget-text-editor\" data-id=\"d75fbe3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"mcePastedContent\" data-pm-slice=\"0 0 []\">\u29bf <strong>Innovation<\/strong>: Their technological capabilities can drive innovation and improve financial inclusion.<\/p><p class=\"mcePastedContent\">\u29bf <strong>Systemic Risk<\/strong>: Their size and interconnectedness could pose risks to financial stability.<\/p><p class=\"mcePastedContent\">\u29bf <strong>Regulatory Challenges<\/strong>: Existing financial regulations may be insufficient to address the unique risks posed by tech-driven financial services.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6993248 elementor-widget elementor-widget-text-editor\" data-id=\"6993248\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1 mcePastedContent\" data-pm-slice=\"0 0 []\">A balanced approach is required to harness the benefits while mitigating potential risks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67ef5db elementor-widget elementor-widget-image\" data-id=\"67ef5db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"853\" src=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/big-tech-1.jpeg\" class=\"attachment-full size-full wp-image-1955\" alt=\"\" srcset=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/big-tech-1.jpeg 1280w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/big-tech-1-300x200.jpeg 300w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/big-tech-1-1024x682.jpeg 1024w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/big-tech-1-768x512.jpeg 768w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/big-tech-1-1200x800.jpeg 1200w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b536157 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b536157\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f69b17 elementor-widget elementor-widget-heading\" data-id=\"6f69b17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">A) The Oligopoly Imperative<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5afcaf elementor-widget elementor-widget-text-editor\" data-id=\"a5afcaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1 mcePastedContent\" data-pm-slice=\"0 0 []\">Big Tech companies employ strategies characteristic of oligopolies, as noted by experts in economics and finance:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42dec71 elementor-widget elementor-widget-text-editor\" data-id=\"42dec71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"mcePastedContent\" data-pm-slice=\"0 0 []\">\u29bf <strong>Market Power<\/strong>: Their massive user bases\u2014numbering in the billions\u2014and their control over consumption and other behavioral data allow them to influence market trends and consumer behavior, fostering loyalty through automated and hyper-personalized processes.<\/p><p class=\"mcePastedContent\">\u29bf <strong>Vertical Integration<\/strong>: By controlling hardware, software, and services, they create closed ecosystems within their platforms, devices, and technological environments.<\/p><p class=\"mcePastedContent\">\u29bf <strong>Network Effects<\/strong>: The value of their services increases as more users join, creating high entry barriers for new competitors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42c5ad4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"42c5ad4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-553a04a elementor-widget elementor-widget-heading\" data-id=\"553a04a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">B) Although innovation<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de491d9 elementor-widget elementor-widget-text-editor\" data-id=\"de491d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1 mcePastedContent\" data-pm-slice=\"0 0 []\">(for example, financial inclusion in developing countries) is real, systemic risks demand a reassessment of antitrust frameworks in the digital age to prevent the collapse of traditional financial ecosystems.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51d803b elementor-widget elementor-widget-text-editor\" data-id=\"51d803b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1 mcePastedContent\" data-pm-slice=\"0 0 []\">As Bjorn Cumps (Vlerick Business School) warns:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58dd47a elementor-widget elementor-widget-text-editor\" data-id=\"58dd47a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1 mcePastedContent\" data-pm-slice=\"0 0 []\"><span style=\"text-decoration: underline;\"><em><strong>\u00abToday\u2019s convenience may become tomorrow\u2019s dependency. We must ask ourselves: Who holds the keys to the financial system?\u00bb<\/strong><\/em><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae28ae6 elementor-widget elementor-widget-text-editor\" data-id=\"ae28ae6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1 mcePastedContent\" data-pm-slice=\"1 1 [&quot;table&quot;,{&quot;style&quot;:&quot;box-sizing: border-box; color: rgb(0, 0, 0); font-family: \\&quot;Times New Roman\\&quot;; font-size: medium; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; word-break: break-word;&quot;,&quot;width&quot;:&quot;100%&quot;,&quot;border&quot;:&quot;0&quot;,&quot;cellspacing&quot;:&quot;0&quot;,&quot;cellpadding&quot;:&quot;0&quot;,&quot;class&quot;:&quot;text_block&quot;,&quot;id&quot;:null},&quot;table_row&quot;,{&quot;align&quot;:null,&quot;valign&quot;:null,&quot;style&quot;:&quot;box-sizing: border-box;&quot;,&quot;class&quot;:null,&quot;id&quot;:null},&quot;table_cell&quot;,{&quot;colspan&quot;:1,&quot;rowspan&quot;:1,&quot;style&quot;:&quot;box-sizing: border-box; padding: 20px 30px 5px;&quot;,&quot;valign&quot;:null,&quot;width&quot;:null,&quot;height&quot;:null,&quot;class&quot;:null,&quot;id&quot;:null}]\"><strong>Press and Research References (Sources &amp; Articles):<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2636a5 elementor-widget elementor-widget-text-editor\" data-id=\"b2636a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 [&quot;table&quot;,{&quot;style&quot;:&quot;box-sizing: border-box; color: rgb(0, 0, 0); font-family: \\&quot;Times New Roman\\&quot;; font-size: medium; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; word-break: break-word;&quot;,&quot;width&quot;:&quot;100%&quot;,&quot;border&quot;:&quot;0&quot;,&quot;cellspacing&quot;:&quot;0&quot;,&quot;cellpadding&quot;:&quot;0&quot;,&quot;class&quot;:&quot;text_block&quot;,&quot;id&quot;:null},&quot;table_row&quot;,{&quot;align&quot;:null,&quot;valign&quot;:null,&quot;style&quot;:&quot;box-sizing: border-box;&quot;,&quot;class&quot;:null,&quot;id&quot;:null},&quot;table_cell&quot;,{&quot;colspan&quot;:1,&quot;rowspan&quot;:1,&quot;style&quot;:&quot;box-sizing: border-box; padding: 20px 30px 5px;&quot;,&quot;valign&quot;:null,&quot;width&quot;:null,&quot;height&quot;:null,&quot;class&quot;:null,&quot;id&quot;:null}]\">1. Big Tech in Financial Services. Congress.gov (congress.gov)<\/p><p data-pm-slice=\"1 1 [&quot;table&quot;,{&quot;style&quot;:&quot;box-sizing: border-box; color: rgb(0, 0, 0); font-family: \\&quot;Times New Roman\\&quot;; font-size: medium; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; word-break: break-word;&quot;,&quot;width&quot;:&quot;100%&quot;,&quot;border&quot;:&quot;0&quot;,&quot;cellspacing&quot;:&quot;0&quot;,&quot;cellpadding&quot;:&quot;0&quot;,&quot;class&quot;:&quot;text_block&quot;,&quot;id&quot;:null},&quot;table_row&quot;,{&quot;align&quot;:null,&quot;valign&quot;:null,&quot;style&quot;:&quot;box-sizing: border-box;&quot;,&quot;class&quot;:null,&quot;id&quot;:null},&quot;table_cell&quot;,{&quot;colspan&quot;:1,&quot;rowspan&quot;:1,&quot;style&quot;:&quot;box-sizing: border-box; padding: 20px 30px 5px;&quot;,&quot;valign&quot;:null,&quot;width&quot;:null,&quot;height&quot;:null,&quot;class&quot;:null,&quot;id&quot;:null}]\">2. Alibaba Group Announces March Quarter 2025 and Fiscal Year 2025 Results. Business Wire. (businesswire.com)alibabagroup.com<\/p><p data-pm-slice=\"1 1 [&quot;table&quot;,{&quot;style&quot;:&quot;box-sizing: border-box; color: rgb(0, 0, 0); font-family: \\&quot;Times New Roman\\&quot;; font-size: medium; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; word-break: break-word;&quot;,&quot;width&quot;:&quot;100%&quot;,&quot;border&quot;:&quot;0&quot;,&quot;cellspacing&quot;:&quot;0&quot;,&quot;cellpadding&quot;:&quot;0&quot;,&quot;class&quot;:&quot;text_block&quot;,&quot;id&quot;:null},&quot;table_row&quot;,{&quot;align&quot;:null,&quot;valign&quot;:null,&quot;style&quot;:&quot;box-sizing: border-box;&quot;,&quot;class&quot;:null,&quot;id&quot;:null},&quot;table_cell&quot;,{&quot;colspan&quot;:1,&quot;rowspan&quot;:1,&quot;style&quot;:&quot;box-sizing: border-box; padding: 20px 30px 5px;&quot;,&quot;valign&quot;:null,&quot;width&quot;:null,&quot;height&quot;:null,&quot;class&quot;:null,&quot;id&quot;:null}]\">3. Ant Group. Wikipedia. (en.wikipedia.org) businesswire.com And&#8230;&#8230; 60 more.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-746c8af elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"746c8af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2c9b9a0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2c9b9a0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-482ae62\" data-id=\"482ae62\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-866a13c elementor-widget elementor-widget-heading\" data-id=\"866a13c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Video Title:<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b993aee\" data-id=\"b993aee\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bbd88a elementor-widget elementor-widget-text-editor\" data-id=\"6bbd88a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1 mcePastedContent\" data-pm-slice=\"1 1 []\"><strong><span style=\"text-decoration: underline;\"><a tabindex=\"-1\" href=\"https:\/\/www.youtube.com\/watch?v=439lN_Jz1cg\" target=\"_blank\" rel=\"noopener\">Implications of big tech in finance | Regulating big tech conference &#8211; YouTube \u2013 Publicado el Oct 7 de 2021<\/a><\/span><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8c223ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8c223ab\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6c12271\" data-id=\"6c12271\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cfb8905 elementor-widget elementor-widget-heading\" data-id=\"cfb8905\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Youtube Link:<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-afd9041\" data-id=\"afd9041\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3564cca elementor-widget elementor-widget-text-editor\" data-id=\"3564cca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.youtube.com\/watch?v=439lN_Jz1cg\" target=\"_blank\" rel=\"noopener\">https:\/\/www.youtube.com\/watch?v=439lN_Jz1cg<\/a><\/span><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab16c56 elementor-widget elementor-widget-spacer\" data-id=\"ab16c56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27d05a7 elementor-widget elementor-widget-video\" data-id=\"27d05a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=439lN_Jz1cg&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;https:\\\/\\\/it-capital.com.mx\\\/en\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/big-tech.jpeg&quot;,&quot;id&quot;:1942,&quot;size&quot;:&quot;&quot;},&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t\t\t<div class=\"elementor-custom-embed-image-overlay\" style=\"background-image: url(https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/big-tech.jpeg);\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-custom-embed-play\" role=\"button\" aria-label=\"Reproducir v\u00eddeo\" tabindex=\"0\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-play\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc0a3ae elementor-widget elementor-widget-spacer\" data-id=\"fc0a3ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ccec3e elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2ccec3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/drive.google.com\/file\/d\/1EulsZSO7YwiM9dNg4BlDSxLsZw4IFpNT\/view\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download the article Eng \/ Esp<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-182f3d9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"182f3d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-746662f elementor-widget elementor-widget-text-editor\" data-id=\"746662f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1 mcePastedContent\" data-pm-slice=\"0 0 []\"><span style=\"text-decoration: underline;\"><em><strong>Legal Disclaimer:<\/strong><\/em><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d1051e elementor-widget elementor-widget-text-editor\" data-id=\"9d1051e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1 mcePastedContent\" data-pm-slice=\"0 0 []\"><span style=\"text-decoration: underline;\"><em>This is a completely free research article, produced by a non-profit association for informational purposes only. Its distribution is authorized exclusively by IT Capital. Any other use is not authorized by IT Capital or its authors.<\/em><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ea2c22 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1ea2c22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e26f23a elementor-widget elementor-widget-text-editor\" data-id=\"e26f23a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Partners &amp; Sponsors<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7733251 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7733251\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-898da83\" data-id=\"898da83\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-987172c elementor-widget elementor-widget-image\" data-id=\"987172c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/pages.payoneer.com\/itcapital-partnership\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"580\" height=\"113\" src=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/payoneer2-1024x199.png\" class=\"attachment-large size-large wp-image-1943\" alt=\"\" srcset=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/payoneer2-1024x199.png 1024w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/payoneer2-300x58.png 300w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/payoneer2-768x150.png 768w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/payoneer2-1200x234.png 1200w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/payoneer2.png 1263w\" sizes=\"(max-width: 580px) 100vw, 580px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f50893c\" data-id=\"f50893c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-93f465f elementor-widget elementor-widget-image\" data-id=\"93f465f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/rodriguezdelira.com\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"500\" src=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/lira-logo-removebg-preview.png\" class=\"attachment-large size-large wp-image-1944\" alt=\"\" srcset=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/lira-logo-removebg-preview.png 500w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/lira-logo-removebg-preview-300x300.png 300w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/lira-logo-removebg-preview-150x150.png 150w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d2061d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8d2061d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-af20c96 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"af20c96\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-dfb3a1f\" data-id=\"dfb3a1f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f777470 elementor-widget elementor-widget-text-editor\" data-id=\"f777470\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Chat<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8e0874 elementor-widget elementor-widget-image\" data-id=\"b8e0874\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/api.whatsapp.com\/send?phone=524442015171&#038;text=\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"253\" height=\"247\" src=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/wpp_icon-removebg-preview-e1750697205697.png\" class=\"attachment-large size-large wp-image-1947\" alt=\"\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-43cd723\" data-id=\"43cd723\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-97514af elementor-widget elementor-widget-text-editor\" data-id=\"97514af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Share<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9246c68 elementor-widget elementor-widget-image\" data-id=\"9246c68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.linkedin.com\/company\/it-capital\u00ae\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"409\" height=\"408\" src=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/linkedin-removebg-preview-e1750697092912.png\" class=\"attachment-large size-large wp-image-1946\" alt=\"\" srcset=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/linkedin-removebg-preview-e1750697092912.png 409w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/linkedin-removebg-preview-e1750697092912-300x300.png 300w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/linkedin-removebg-preview-e1750697092912-150x150.png 150w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/elementor\/thumbs\/linkedin-removebg-preview-e1750697092912-r7qrjeradqu265xouo48xy4vhqkz3expkfjjyvwtcw.png 400w\" sizes=\"(max-width: 409px) 100vw, 409px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-739446e\" data-id=\"739446e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a3bc11 elementor-widget elementor-widget-text-editor\" data-id=\"6a3bc11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Subscribe<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa3eff0 elementor-widget elementor-widget-image\" data-id=\"aa3eff0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"http:\/\/eepurl.com\/h8fH2n\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/mailchimp-logo.png\" class=\"attachment-full size-full wp-image-1945\" alt=\"\" srcset=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/mailchimp-logo.png 1080w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/mailchimp-logo-300x300.png 300w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/mailchimp-logo-1024x1024.png 1024w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/mailchimp-logo-150x150.png 150w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/mailchimp-logo-768x768.png 768w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/elementor\/thumbs\/mailchimp-logo-r7qrjdtg6wsrujz205pmdgdewcplvptz8aw2hly7j4.png 400w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a0787b elementor-widget elementor-widget-spacer\" data-id=\"0a0787b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2099ed2 elementor-widget elementor-widget-image\" data-id=\"2099ed2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/calendly.com\/itcapital\/it-capital-eng-spa-videocall\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"580\" height=\"187\" src=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/make-an-appointment.png\" class=\"attachment-large size-large wp-image-1958\" alt=\"\" srcset=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/make-an-appointment.png 644w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/make-an-appointment-300x97.png 300w\" sizes=\"(max-width: 580px) 100vw, 580px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a9ceae elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5a9ceae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e71b22 elementor-widget elementor-widget-text-editor\" data-id=\"6e71b22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"0 0 []\"><strong>Looking for financing or factoring?<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b92005 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"1b92005\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/it-capital.com.mx\/AplicaAqui\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply here<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17ff22c elementor-widget elementor-widget-spacer\" data-id=\"17ff22c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ab66d2 elementor-widget elementor-widget-image\" data-id=\"7ab66d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"350\" height=\"100\" src=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/logo-web.png\" class=\"attachment-large size-large wp-image-1933\" alt=\"\" srcset=\"https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/logo-web.png 350w, https:\/\/it-capital.com.mx\/en\/wp-content\/uploads\/2025\/06\/logo-web-300x86.png 300w\" sizes=\"(max-width: 350px) 100vw, 350px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73e2ad2 elementor-widget elementor-widget-text-editor\" data-id=\"73e2ad2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\"><span style=\"color: #70747a;\"><span style=\"font-size: 13px;\"><span style=\"font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif;\"><span style=\"background-color: #fafafa;\">IT Capital \u00ae | All rights reserved | 2025<\/span><\/span><\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4f0b7f elementor-widget elementor-widget-text-editor\" data-id=\"f4f0b7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-decoration: underline;\"><a href=\"https:\/\/it-capital.com.mx\/aviso-privacidad\/\">Privacy notice<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Picture Source: IT Capital original -Big Tech\u00b4s Foray into Financial Services: A Significant Shift? Research Article Appro. (June 10th, 2025). Big Tech&#8217;s Foray into Financial Services: A Significant Shift? Abstract The period between 2010 and the present has been marked by a significant and transformative entry of major technology companies\u2014known as Apple, Google (Alphabet), Meta, [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":1951,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1935","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/it-capital.com.mx\/en\/wp-json\/wp\/v2\/posts\/1935","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/it-capital.com.mx\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/it-capital.com.mx\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/it-capital.com.mx\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/it-capital.com.mx\/en\/wp-json\/wp\/v2\/comments?post=1935"}],"version-history":[{"count":8,"href":"https:\/\/it-capital.com.mx\/en\/wp-json\/wp\/v2\/posts\/1935\/revisions"}],"predecessor-version":[{"id":2162,"href":"https:\/\/it-capital.com.mx\/en\/wp-json\/wp\/v2\/posts\/1935\/revisions\/2162"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/it-capital.com.mx\/en\/wp-json\/wp\/v2\/media\/1951"}],"wp:attachment":[{"href":"https:\/\/it-capital.com.mx\/en\/wp-json\/wp\/v2\/media?parent=1935"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/it-capital.com.mx\/en\/wp-json\/wp\/v2\/categories?post=1935"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/it-capital.com.mx\/en\/wp-json\/wp\/v2\/tags?post=1935"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}