{"id":14404,"date":"2025-06-25T20:56:56","date_gmt":"2025-06-26T01:56:56","guid":{"rendered":"https:\/\/esford.pe\/?p=14404"},"modified":"2025-06-25T20:58:28","modified_gmt":"2025-06-26T01:58:28","slug":"usas-tarjeta-de-debito-o-credito-conoce-las-nuevas-obligaciones-que-deben-cumplir-los-bancos-para-proteger-tus-operaciones","status":"publish","type":"post","link":"https:\/\/esford.pe\/ing\/usas-tarjeta-de-debito-o-credito-conoce-las-nuevas-obligaciones-que-deben-cumplir-los-bancos-para-proteger-tus-operaciones\/","title":{"rendered":"\u00bfUsas tarjeta de d\u00e9bito o cr\u00e9dito? Conoce las nuevas obligaciones que deben cumplir los bancos para proteger tus operaciones"},"content":{"rendered":"<p>La Superintendencia de Banca, Seguros y AFP (SBS) ha prorrogado hasta el <strong>1 de abril de 2026<\/strong> el plazo para que las entidades del sistema financiero implementen las disposiciones contenidas en la <strong>Resoluci\u00f3n SBS N.\u00b0 2286-2024<\/strong>, referidas al uso de tarjetas de d\u00e9bito y cr\u00e9dito, con el objetivo de fortalecer la <strong>seguridad en las operaciones financieras<\/strong> and <strong>proteger de manera m\u00e1s efectiva a los consumidores<\/strong>.<\/p>\n\n\n\n<p>Esta normativa establece como obligaci\u00f3n principal que las entidades financieras deber\u00e1n <strong>verificar correctamente la identidad del usuario y obtener su consentimiento informado para cada operaci\u00f3n que se realice con tarjeta<\/strong>, lo cual implica la aplicaci\u00f3n de mecanismos de <strong>autenticaci\u00f3n reforzada<\/strong>, tales como el uso de contrase\u00f1as din\u00e1micas, biometr\u00eda, token, entre otros.<\/p>\n\n\n\n<p>Uno de los cambios m\u00e1s relevantes es que los bancos y dem\u00e1s empresas del sistema ya <strong>no podr\u00e1n deslindar responsabilidad ante transacciones no reconocidas por los usuarios<\/strong>, siempre que no se haya verificado debidamente la identidad del titular ni se haya aplicado el procedimiento de autenticaci\u00f3n exigido por la norma. En tales casos, <strong>la entidad financiera ser\u00e1 responsable de asumir el reembolso o la reversi\u00f3n del monto involucrado<\/strong>.<\/p>\n\n\n\n<p>De este modo, se busca erradicar pr\u00e1cticas abusivas como la carga de la prueba sobre el consumidor o la negativa autom\u00e1tica a atender reclamos relacionados con fraudes electr\u00f3nicos, suplantaciones o cobros indebidos.<\/p>\n\n\n\n<p>Por otro lado, la reciente <strong>Resoluci\u00f3n SBS N.\u00b0 02220-2025<\/strong>, publicada el 25 de junio de 2025, <strong>ratifica la exigibilidad del cumplimiento de estas medidas por parte de todas las empresas involucradas en los servicios de pago<\/strong>, incluyendo las fintech, pasarelas de pago y otros proveedores tecnol\u00f3gicos que operan dentro del sistema financiero.<\/p>\n\n\n\n<p>La pr\u00f3rroga otorgada responde a la necesidad de brindar un <strong>plazo razonable para la implementaci\u00f3n de estos cambios estructurales<\/strong>, que implican la <strong>modernizaci\u00f3n de plataformas tecnol\u00f3gicas, la revisi\u00f3n de protocolos operativos y la capacitaci\u00f3n del personal<\/strong>, tanto en entidades bancarias como en proveedores asociados.<\/p>\n\n\n\n<p>Con estas medidas, la SBS busca <strong>reforzar la confianza del p\u00fablico en los servicios financieros digitales<\/strong>, promover una <strong>mayor inclusi\u00f3n financiera segura<\/strong> y garantizar que los consumidores est\u00e9n debidamente protegidos frente a riesgos como el fraude, la suplantaci\u00f3n de identidad y la manipulaci\u00f3n no autorizada de sus medios de pago.<\/p>\n<div class=\"fb-background-color\">\n\t\t\t  <div \n\t\t\t  \tclass = \"fb-comments\" \n\t\t\t  \tdata-href = \"https:\/\/esford.pe\/ing\/usas-tarjeta-de-debito-o-credito-conoce-las-nuevas-obligaciones-que-deben-cumplir-los-bancos-para-proteger-tus-operaciones\/\"\n\t\t\t  \tdata-numposts = \"4\"\n\t\t\t  \tdata-lazy = \"true\"\n\t\t\t\tdata-colorscheme = \"light\"\n\t\t\t\tdata-order-by = \"reverse_time\"\n\t\t\t\tdata-mobile=\"true\">\n\t\t\t  <\/div><\/div>\n\t\t  <style>\n\t\t    .fb-background-color {\n\t\t\t\tbackground: #ffffff !important;\n\t\t\t}\n\t\t\t.fb_iframe_widget_fluid_desktop iframe {\n\t\t\t    width: 800px !important;\n\t\t\t}\n\t\t  <\/style>","protected":false},"excerpt":{"rendered":"<p>La Superintendencia de Banca, Seguros y AFP (SBS) ha prorrogado hasta el 1 de abril de 2026 el plazo para 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