Finanzas descentralizadas (DeFi) y alfabetización financiera de los profesionales: riesgos, oportunidades y desafíos regulatorios.
Keywords:
finanzas, gestión de riesgos, regulación financieraAbstract
La presente investigación analiza la relación entre alfabetización financiera y la participación de profesionales en plataformas de finanzas descentralizadas (DeFi), considerando riesgos, oportunidades y desafíos regulatorios. Se empleó un enfoque mixto, combinando cuestionarios estructurados aplicados a 100 profesionales del sector financiero, tecnológico y contable, con entrevistas semiestructuradas a una submuestra, permitiendo obtener información cuantitativa y cualitativa sobre conocimientos financieros digitales, experiencias en DeFi y percepciones de riesgos y oportunidades. Los resultados indican que los profesionales con mayor nivel de alfabetización financiera aplican estrategias de gestión de riesgos, diversifican inversiones y evalúan oportunidades con mayor precisión, reduciendo la exposición a pérdidas y aumentando la eficiencia de sus decisiones. Los participantes identificaron riesgos significativos, como volatilidad de activos y vulnerabilidades tecnológicas, y destacaron oportunidades como rendimientos superiores y acceso a innovación financiera. La investigación también evidencia que la educación continua y la certificación en finanzas digitales, junto con un marco regulatorio flexible, son factores clave para una participación segura y eficiente en DeFi. En conclusión, la alfabetización financiera, combinada con experiencia práctica y regulación adecuada, es determinante para maximizar beneficios y minimizar riesgos en sistemas financieros descentralizados.
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