Published 2024-12-15
Keywords
- Data mining, e-commerce gateways, tax collection, SARLAFT, programming, software, databases and B2C.
This work is licensed under a Creative Commons Attribution 4.0 International License.
Abstract
In the origin and evolution of industries, systems engineering has been fundamental, offering efficiency in process optimization. The financial industry, in particular, has benefited enormously. In the following, we seek to characterize and identify the impact of data mining in the modernization of the Colombian financial sector, from the 1990s to the present. The methodology that is executed has a qualitative and correlational approach against official surveys of the Bank of the Republic, whose purpose is to highlight the magnitude of digitization in Colombian society by Business to Consumer -B2C- methodologies, with a post-pandemic increase of 71% in the use of e-commerce gateways by the adult population between 2020 and 2022. Data mining is considered to have developed new tools in the financial sector, integrating business intelligence modules. These tools range from data extraction, transformation, and loading, simplifying the analysis and representation of markets with a large flow of information. This allows the analysis of portfolios and transactions, strengthening virtual relationships with clients through the automation and decentralization of processes. Finally, the digitalization of the banking market is analyzed, concluding on the development of electronic payment platforms with new applications and their contribution to financial security, exploring measures that strengthen control over money laundering (SARLAFT), tax evasion and avoidance.