{"id":1866,"date":"2026-07-15T10:18:26","date_gmt":"2026-07-15T10:18:26","guid":{"rendered":"https:\/\/www.ub.edu\/fintech\/?p=1866"},"modified":"2026-07-15T10:35:31","modified_gmt":"2026-07-15T10:35:31","slug":"agentes-con-norte","status":"publish","type":"post","link":"https:\/\/www.ub.edu\/fintech\/agentes-con-norte\/","title":{"rendered":"AGENTES CON NORTE"},"content":{"rendered":"\n

Comentario de exalumna Oliva Cabeza<\/a><\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n



La Autoridad Monetaria de Singapur ( Monetary Authority of Singapore (MAS)<\/strong><\/a> acaba de presentar, junto con entidades financieras y empresas #FinTech<\/strong><\/a>, un marco para desarrollar salvaguardas para agentes aut\u00f3nomos de #IA<\/strong><\/a> en finanzas.

Puede parecer una noticia t\u00e9cnica.
Pero en realidad habla de algo mucho m\u00e1s grande:

La llegada de los #trabajadores<\/strong><\/a> digitales.

Un agente aut\u00f3nomo de IA no es un chatbot que responde preguntas.

Es un sistema capaz de recibir un objetivo, analizar informaci\u00f3n, utilizar herramientas y ejecutar acciones para conseguirlo.

Puede, por ejemplo:

Procesar operaciones financieras dentro de unos l\u00edmites definidos.
Revisar documentos y preparar evaluaciones.
Generar informaci\u00f3n para ayudar a la relaci\u00f3n con clientes.
Coordinar tareas entre diferentes sistemas.
Detectar situaciones y proponer o ejecutar acciones.
Miles de etc …

La diferencia fundamental es esta:

Antes, la tecnolog\u00eda esperaba una orden, ahora, algunos sistemas pueden interpretar un objetivo y actuar para alcanzarlo.

Y cuando un sistema digital empieza a actuar en nuestro nombre, aparece una nueva pregunta:

\u00bfQui\u00e9n marca el rumbo?

El documento presentado por Singapur, denominado SAFR (Safeguards for Agentic Finance at Runtime), no se centra solo en hacer agentes m\u00e1s capaces.

Se centra en conseguir que esos agentes sean seguros, fiables y controlables.

Para ello plantea algo parecido a una \u00abbr\u00fajula y unas reglas de navegaci\u00f3n\u00bb:

\ud83e\udded Mandato
\u00bfCu\u00e1l es exactamente la misi\u00f3n del agente?
\ud83e\udded L\u00edmites
\u00bfQu\u00e9 puede hacer y qu\u00e9 queda fuera de sus permisos?
\ud83e\udded Supervisi\u00f3n
\u00bfCu\u00e1ndo debe actuar solo y cu\u00e1ndo debe intervenir una persona?
\ud83e\udded Validaci\u00f3n
\u00bfLa acci\u00f3n que va a ejecutar cumple las reglas definidas?
\ud83e\udded Trazabilidad
\u00bfPodemos saber qu\u00e9 decidi\u00f3, por qu\u00e9 lo hizo y qu\u00e9 ejecut\u00f3?

Porque un trabajador digital no necesita solo inteligencia.
Necesita direcci\u00f3n.

Un empleado humano tiene formaci\u00f3n, responsabilidades, supervisi\u00f3n y una organizaci\u00f3n que responde por sus acciones.

Los agentes de IA necesitar\u00e1n algo equivalente.

La gran evoluci\u00f3n de la inteligencia artificial no ser\u00e1 \u00fanicamente crear sistemas que sepan m\u00e1s. Ser\u00e1 crear sistemas capaces de actuar con autonom\u00eda ….sin perder el norte \ud83d\ude09

#UB<\/strong><\/a> #Finanzas<\/strong><\/a> #BCE<\/strong><\/a> #ArtificialIntelligence<\/strong><\/a> #Technology<\/strong><\/a> #Innovation<\/strong><\/a> #DigitalTransformation<\/strong><\/a> #FutureOfWork<\/strong><\/a> #OA4tech<\/strong><\/a>
#Divulgacionfinanciera<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Comentario de exalumna Oliva Cabeza La Autoridad Monetaria de Singapur ( Monetary Authority of Singapore (MAS) acaba de presentar, junto con entidades financieras y empresas #FinTech, un marco para desarrollar salvaguardas para agentes aut\u00f3nomos de #IA en finanzas. Puede parecer una noticia t\u00e9cnica.Pero en realidad habla de algo mucho m\u00e1s grande: La llegada de los … Continue reading \u00abAGENTES CON NORTE\u00bb<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":"[]"},"categories":[8],"tags":[],"class_list":["post-1866","post","type-post","status-publish","format-standard","hentry","category-present"],"yoast_head":"\nAGENTES CON NORTE - M\u00e0ster Fintech - Universidad de Barcelona<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ub.edu\/fintech\/agentes-con-norte\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"AGENTES CON NORTE - M\u00e0ster Fintech - Universidad de Barcelona\" \/>\n<meta property=\"og:description\" content=\"Comentario de exalumna Oliva Cabeza La Autoridad Monetaria de Singapur ( Monetary Authority of Singapore (MAS) acaba de presentar, junto con entidades financieras y empresas #FinTech, un marco para desarrollar salvaguardas para agentes aut\u00f3nomos de #IA en finanzas. 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