{"id":4123,"date":"2025-05-01T17:37:43","date_gmt":"2025-05-01T15:37:43","guid":{"rendered":"https:\/\/clovrlabs.com\/blog\/?p=4123"},"modified":"2025-05-02T10:16:24","modified_gmt":"2025-05-02T08:16:24","slug":"ibiza-tech-forum-2025","status":"publish","type":"post","link":"https:\/\/clovrlabs.com\/blog\/es\/ibiza-tech-forum-2025\/","title":{"rendered":"Impulsando el futuro del fintech en el Ibiza Tech Forum 2025"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4123\" class=\"elementor elementor-4123\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1afb0a76 e-flex e-con-boxed e-con e-parent\" data-id=\"1afb0a76\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1460d612 elementor-widget elementor-widget-testimonial\" data-id=\"1460d612\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-content\">Repasamos lo mejor del Ibiza Tech Forum 2025: innovaci\u00f3n, conexiones e impulso a la ciberseguridad en fintech.<\/div>\n\t\t\t\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-693dbead e-flex e-con-boxed e-con e-parent\" data-id=\"693dbead\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-431f6c39 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"431f6c39\" 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-666da56e e-flex e-con-boxed e-con e-parent\" data-id=\"666da56e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76f723d5 elementor-widget elementor-widget-text-editor\" data-id=\"76f723d5\" 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-start=\"109\" data-end=\"326\">Los equipos de <strong data-start=\"124\" data-end=\"138\">Clovr Labs<\/strong> y <strong data-start=\"141\" data-end=\"152\">ElenPAY<\/strong> acaban de regresar del <strong data-start=\"176\" data-end=\"201\">Ibiza Tech Forum 2025<\/strong>, y seguimos con la energ\u00eda, la inspiraci\u00f3n y las conexiones que nos dejaron tres d\u00edas intensos de innovaci\u00f3n y colaboraci\u00f3n.<\/p><p class=\"\" data-start=\"328\" data-end=\"646\">Este a\u00f1o, <strong data-start=\"338\" data-end=\"403\">Clovr Labs <\/strong><span data-start=\"338\" data-end=\"403\">particip\u00f3 como<\/span><strong data-start=\"338\" data-end=\"403\"> patrocinador oficial<\/strong>, apoyando un evento de primer nivel que no solo posiciona a <span data-start=\"464\" data-end=\"521\">Espa\u00f1a en el centro del <\/span><strong data-start=\"464\" data-end=\"521\">ecosistema tecnol\u00f3gico global<\/strong>, sino que tambi\u00e9n atrae a una comunidad internacional diversa de l\u00edderes tecnol\u00f3gicos, inversores, startups e instituciones.<\/p><p class=\"\" data-start=\"648\" data-end=\"867\">Para ambos equipos, la experiencia fue un <b>verdadero \u00e9xito.<\/b> Volvemos con feedback valioso, nuevas alianzas en marcha y un renovado prop\u00f3sito en nuestro compromiso con la <strong data-start=\"817\" data-end=\"835\">ciberseguridad<\/strong> y la <strong data-start=\"841\" data-end=\"866\">innovaci\u00f3n en fintech<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2aa59673 e-flex e-con-boxed e-con e-parent\" data-id=\"2aa59673\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-705dd312 elementor-widget elementor-widget-image\" data-id=\"705dd312\" 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 fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Clovr-Labs-OK-768x512.png\" class=\"attachment-medium_large size-medium_large wp-image-4101\" alt=\"Ibiza Tech Forum 2025 - Clovr Labs\" srcset=\"https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Clovr-Labs-OK-768x512.png 768w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Clovr-Labs-OK-300x200.png 300w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Clovr-Labs-OK-1024x683.png 1024w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Clovr-Labs-OK.png 1536w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-128f938d e-flex e-con-boxed e-con e-parent\" data-id=\"128f938d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d9ca14c elementor-widget elementor-widget-spacer\" data-id=\"2d9ca14c\" 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31f4d06b e-flex e-con-boxed e-con e-parent\" data-id=\"31f4d06b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5bbafed3 elementor-widget elementor-widget-heading\" data-id=\"5bbafed3\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Sobre Ibiza Tech Forum 2025<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-79ba1400 e-flex e-con-boxed e-con e-parent\" data-id=\"79ba1400\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad7921 elementor-widget elementor-widget-text-editor\" data-id=\"ad7921\" 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-start=\"97\" data-end=\"675\">Con el Mediterr\u00e1neo como tel\u00f3n de fondo, el <strong data-start=\"141\" data-end=\"166\">Ibiza Tech Forum 2025<\/strong> se ha consolidado r\u00e1pidamente como <a href=\"https:\/\/ibizatechforum.com\/\">una de las citas imprescindibles en Europa<\/a> para la <strong data-start=\"253\" data-end=\"297\">innovaci\u00f3n, la tecnolog\u00eda y los negocios<\/strong>. Con m\u00e1s de <strong data-start=\"310\" data-end=\"342\">120 ponentes internacionales<\/strong> y una agenda rica en contenidos que abarc\u00f3 temas como <span data-start=\"397\" data-end=\"554\">blockchain, inteligencia artificial, ciberseguridad, finanzas digitales, turismo inteligente, tecnolog\u00eda deportiva, computaci\u00f3n cu\u00e1ntica y sostenibilidad<\/span>, el foro ofreci\u00f3 una <b>visi\u00f3n 360\u00ba <\/b>sobre c\u00f3mo las <b>tecnolog\u00edas emergentes <\/b>est\u00e1n transformando las industrias y la sociedad.<\/p><p class=\"\" data-start=\"677\" data-end=\"1106\">La edici\u00f3n de este a\u00f1o reuni\u00f3 a <b>\u00a0referentes globales,<\/b> desde <span data-start=\"754\" data-end=\"799\">Stripe, Mastercard, Meta, BlackRock y AWS<\/span>, hasta instituciones clave como las <span data-start=\"836\" data-end=\"855\">Naciones Unidas<\/span>, <span data-start=\"857\" data-end=\"871\">Telef\u00f3nica<\/span> y representantes gubernamentales. Fue el entorno ideal para que <b>startups, grandes corporaciones, inversores y l\u00edderes <\/b>del sector p\u00fablico intercambiaran ideas, validaran proyectos disruptivos y generaran colaboraciones de alto impacto.<\/p><p class=\"\" data-start=\"1108\" data-end=\"1518\">Como especialistas en <strong data-start=\"1130\" data-end=\"1148\">ciberseguridad<\/strong> y <strong data-start=\"1151\" data-end=\"1162\">fintech<\/strong>, valoramos especialmente la combinaci\u00f3n de conocimiento tecnol\u00f3gico y networking estrat\u00e9gico. Las <b>conversaciones<\/b> en torno a la evoluci\u00f3n regulatoria, la inclusi\u00f3n financiera y la transformaci\u00f3n digital est\u00e1n en el coraz\u00f3n de nuestro trabajo en<b> Clovr Labs<\/b>, y fue inspirador ver c\u00f3mo estos temas se abordan desde perspectivas tan diversas dentro del sector.<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-20469071 e-flex e-con-boxed e-con e-parent\" data-id=\"20469071\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23b424d4 elementor-widget elementor-widget-heading\" data-id=\"23b424d4\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Aforo completo en el workshop de Clovr sobre protecci\u00f3n de tesorer\u00eda<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5697badb elementor-widget elementor-widget-text-editor\" data-id=\"5697badb\" 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-start=\"183\" data-end=\"515\">Uno de los momentos m\u00e1s energizantes para nuestro equipo fue liderar el workshop <b>&#8220;Protecci\u00f3n de Tesorer\u00eda en el Entorno Digital&#8221;<\/b>, una sesi\u00f3n dise\u00f1ada para abordar una de las brechas m\u00e1s cr\u00edticas en las finanzas empresariales actuales: la falta de bases s\u00f3lidas en ciberseguridad dentro de las <a href=\"https:\/\/clovrlabs.com\/blog\/es\/los-riesgos-ocultos-de-las-neobancos-para-empresas\/\">plataformas bancarias tradicionales.<\/a><\/p><p data-start=\"517\" data-end=\"862\">Brillantemente conducida por <strong data-start=\"546\" data-end=\"562\">Carme Refusa<\/strong> y <strong data-start=\"565\" data-end=\"581\">Ferran Lemus<\/strong> de nuestro equipo de Desarrollo de Negocio, junto a <strong data-start=\"634\" data-end=\"655\">Marina Villalonga<\/strong>, socia en <strong data-start=\"666\" data-end=\"685\">Asensi Abogados<\/strong>, la sesi\u00f3n estuvo <strong data-start=\"704\" data-end=\"727\">completamente llena<\/strong> y dio lugar a debates significativos entre l\u00edderes fintech, fundadores de startups y operadores con un fuerte <b>enfoque en la seguridad.<\/b><\/p><h3>La sesi\u00f3n se estructur\u00f3 en torno a <b>tres \u00e1reas clave:<\/b><\/h3><ul><li><strong data-start=\"921\" data-end=\"977\">Panorama actual de la ciberseguridad en la banca B2B<\/strong>, donde analizamos las vulnerabilidades m\u00e1s comunes que enfrentan las empresas modernas, desde credenciales comprometidas hasta accesos internos no controlados.<\/li><\/ul><ul><li><strong data-start=\"1144\" data-end=\"1202\">Limitaciones de las soluciones bancarias tradicionales<\/strong>, especialmente su falta de control granular, monitorizaci\u00f3n en tiempo real y defensas proactivas adaptadas a entornos empresariales din\u00e1micos.<\/li><\/ul><ul><li><strong data-start=\"1351\" data-end=\"1410\">Recomendaciones pr\u00e1cticas para la mitigaci\u00f3n de riesgos<\/strong>, con enfoques concretos para asegurar wallets, gestionar accesos basados en roles e implementar controles sin fricci\u00f3n que permitan agilidad sin comprometer la seguridad.<\/li><\/ul>\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9bb24b6 e-flex e-con-boxed e-con e-parent\" data-id=\"9bb24b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6715128 elementor-widget elementor-widget-image\" data-id=\"6715128\" 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<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Clovr-Labs-Workshop-768x512.png\" class=\"attachment-medium_large size-medium_large wp-image-4129\" alt=\"\" srcset=\"https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Clovr-Labs-Workshop-768x512.png 768w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Clovr-Labs-Workshop-300x200.png 300w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Clovr-Labs-Workshop-1024x683.png 1024w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Clovr-Labs-Workshop.png 1536w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Carme Refusa, Ferran Lemus (Clovr Labs), y Marina Villalonga (Asensi Abogados) durante el workshop \"Protecci\u00f3n de Tesorer\u00eda en el Entorno Digital\"<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e38da68 e-flex e-con-boxed e-con e-parent\" data-id=\"e38da68\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8122ace elementor-widget elementor-widget-text-editor\" data-id=\"8122ace\" 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-start=\"100\" data-end=\"619\">Nos alegr\u00f3 enormemente ver la sala <strong data-start=\"135\" data-end=\"161\">llena de participantes<\/strong>, y la sesi\u00f3n funcion\u00f3 tambi\u00e9n como un <span data-start=\"200\" data-end=\"241\">ejercicio de validaci\u00f3n para<\/span><strong data-start=\"200\" data-end=\"241\"> Clovault<\/strong>, nuestra <b>nueva iniciativa de neobanco.<\/b> El feedback recibido por parte de l\u00edderes del sector e impulsores de negocio fue <strong data-start=\"362\" data-end=\"390\">abrumadoramente positivo<\/strong>, confirmando lo que ya venimos observando desde hace tiempo: <span data-start=\"452\" data-end=\"619\">las empresas digitales de hoy no buscan solo comodidad en sus plataformas bancarias; tambi\u00e9n<\/span><strong data-start=\"452\" data-end=\"619\"> exigen soluciones que prioricen la seguridad <\/strong><span data-start=\"452\" data-end=\"619\">tanto como la usabilidad.<\/span><\/p><p class=\"\" data-start=\"621\" data-end=\"899\">La participaci\u00f3n activa y las conversaciones generadas dejaron claro que existe una <strong data-start=\"705\" data-end=\"826\">necesidad urgente <\/strong><span data-start=\"705\" data-end=\"826\">de plataformas que no traten la seguridad como un complemento, sino como <\/span><strong data-start=\"705\" data-end=\"826\">una funcionalidad esencial,\u00a0<\/strong>y <strong data-start=\"831\" data-end=\"843\">Clovault<\/strong> est\u00e1 siendo desarrollado precisamente bajo esa premisa.<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23fb74a e-flex e-con-boxed e-con e-parent\" data-id=\"23fb74a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-88cf5aa elementor-widget elementor-widget-heading\" data-id=\"88cf5aa\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Conversaciones clave que est\u00e1n transformando la industria<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44e33bd elementor-widget elementor-widget-text-editor\" data-id=\"44e33bd\" 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-start=\"153\" data-end=\"561\">M\u00e1s all\u00e1 de los workshops y el networking, el <strong data-start=\"199\" data-end=\"224\">Ibiza Tech Forum 2025<\/strong> ofreci\u00f3 una serie de <strong data-start=\"246\" data-end=\"271\">paneles de alto nivel<\/strong> que abordaron algunas de las cuestiones m\u00e1s relevantes que est\u00e1n dando forma al futuro de las <strong data-start=\"366\" data-end=\"409\">finanzas, la regulaci\u00f3n y la innovaci\u00f3n<\/strong>. Varios de estos encuentros destacaron tanto por la relevancia de sus tem\u00e1ticas como por la calidad de los insights compartidos por l\u00edderes del sector.<\/p><h3 data-start=\"563\" data-end=\"647\"><strong data-start=\"566\" data-end=\"647\">Transformando los pagos globales \u2013 Redefiniendo la forma en que el mundo paga<\/strong><\/h3><p class=\"\" data-start=\"649\" data-end=\"1057\">Una de las sesiones m\u00e1s impactantes del evento, este panel reuni\u00f3 a referentes de <strong data-start=\"731\" data-end=\"745\">Mastercard<\/strong>, <strong data-start=\"747\" data-end=\"757\">Stripe<\/strong> y a nuestro propio <strong data-start=\"777\" data-end=\"791\">Josep Le\u00f3n<\/strong>, General Manager de <strong data-start=\"812\" data-end=\"823\"><a href=\"https:\/\/elenpay.tech\/\">ElenPAY<\/a><\/strong>. La conversaci\u00f3n gir\u00f3 en torno a c\u00f3mo el <b>ecosistema de pagos globales<\/b> est\u00e1 evolucionando ante la <strong data-start=\"921\" data-end=\"944\">presi\u00f3n regulatoria<\/strong>, el aumento de las expectativas de los usuarios y la necesidad urgente de colaboraci\u00f3n entre actores del sector.<\/p><p class=\"\" data-start=\"1059\" data-end=\"1329\">Desde nuestra perspectiva, este tipo de di\u00e1logo es fundamental. A medida que convergen las fintech y los proveedores de infraestructuras tradicionales, <strong data-start=\"1211\" data-end=\"1264\">la seguridad, la interoperabilidad y la confianza<\/strong> deben integrarse desde el n\u00facleo en todo el ecosistema de pagos.<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cd49bee e-flex e-con-boxed e-con e-parent\" data-id=\"cd49bee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5afa8a0 elementor-widget elementor-widget-image\" data-id=\"5afa8a0\" 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<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Transformando-los-pagos-globales-768x512.png\" class=\"attachment-medium_large size-medium_large wp-image-4128\" alt=\"\" srcset=\"https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Transformando-los-pagos-globales-768x512.png 768w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Transformando-los-pagos-globales-300x200.png 300w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Transformando-los-pagos-globales-1024x683.png 1024w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Transformando-los-pagos-globales.png 1536w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Alejandro Banegas (Mastercard), Cristina Murgas (Bonsai Consultores), Rafael Rodr\u00edguez (Stripe) y Josep leon (ElenPAY) en el panel  \u201cTransformando los pagos globales\u201d.<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bacb45a e-flex e-con-boxed e-con e-parent\" data-id=\"bacb45a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-592cc0a elementor-widget elementor-widget-text-editor\" data-id=\"592cc0a\" 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<h3 data-start=\"68\" data-end=\"156\"><strong data-start=\"71\" data-end=\"156\">Revoluci\u00f3n de la Banca Digital \u2013 El auge de la banca m\u00f3vil y la inversi\u00f3n en ETFs<\/strong><\/h3><p class=\"\" data-start=\"158\" data-end=\"509\">Este panel analiz\u00f3 c\u00f3mo las plataformas m\u00f3viles est\u00e1n <span data-start=\"212\" data-end=\"267\">transformando el<b> acceso a los servicios financieros<\/b><\/span> y <span data-start=\"270\" data-end=\"314\">democratizando herramientas de inversi\u00f3n<\/span> como los <b>ETFs<\/b>. Los ponentes abordaron temas como las funcionalidades de inversi\u00f3n integradas, la inclusi\u00f3n de criptoactivos y el <b>cambio en las expectativas<\/b> de los consumidores digitales nativos.<\/p><p class=\"\" data-start=\"511\" data-end=\"891\">En <strong data-start=\"514\" data-end=\"528\">Clovr Labs<\/strong>, entendemos este cambio como parte de una <strong data-start=\"571\" data-end=\"595\">tendencia m\u00e1s amplia<\/strong>: las plataformas financieras est\u00e1n evolucionando para convertirse en <strong data-start=\"665\" data-end=\"720\">experiencias financieras completas y personalizadas<\/strong>. Y con esa transformaci\u00f3n, tambi\u00e9n surgen <span data-start=\"763\" data-end=\"804\">nuevos puntos de exposici\u00f3n al riesgo<\/span>. La <strong data-start=\"809\" data-end=\"827\">ciberseguridad<\/strong> <b>debe avanzar <\/b>al mismo ritmo que estas nuevas ofertas digitales.<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f0dfa0a e-flex e-con-boxed e-con e-parent\" data-id=\"f0dfa0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66550af elementor-widget elementor-widget-image\" data-id=\"66550af\" 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<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Revolucion-de-la-Banca-Digital-768x512.png\" class=\"attachment-medium_large size-medium_large wp-image-4127\" alt=\"Ibiza Tech Forum 2025 - Revolucio\u0301n de la Banca Digital\" srcset=\"https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Revolucion-de-la-Banca-Digital-768x512.png 768w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Revolucion-de-la-Banca-Digital-300x200.png 300w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Revolucion-de-la-Banca-Digital-1024x683.png 1024w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Revolucion-de-la-Banca-Digital.png 1536w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Gabriela Guerrero (BlackRock), Pablo G. Bartret (ATH21), Ignasi Viladesau (MyInvestor) y Ant\u00f3n D\u00edez Tubet (Trade Republic) en el panel \"Revoluci\u00f3n de la Banca Digital\".<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b02fc1 e-flex e-con-boxed e-con e-parent\" data-id=\"4b02fc1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae59ec elementor-widget elementor-widget-text-editor\" data-id=\"2ae59ec\" 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<h3 data-start=\"74\" data-end=\"147\"><strong data-start=\"77\" data-end=\"147\">Marco de Gobernanza Digital \u2013 Equilibrando innovaci\u00f3n y regulaci\u00f3n<\/strong><\/h3><p class=\"\" data-start=\"149\" data-end=\"403\">La innovaci\u00f3n no puede escalar sin confianza, y este panel abord\u00f3 el <strong data-start=\"218\" data-end=\"319\">reto constante <\/strong><span data-start=\"218\" data-end=\"319\">de equilibrar el<\/span><strong data-start=\"218\" data-end=\"319\"> avance tecnol\u00f3gico<\/strong><span data-start=\"218\" data-end=\"319\"> acelerado con las<\/span><strong data-start=\"218\" data-end=\"319\"> nuevas regulaciones europeas<\/strong>, desde la gobernanza de la inteligencia artificial hasta la soberan\u00eda de los datos.<\/p><p class=\"\" data-start=\"405\" data-end=\"790\">Desde nuestra perspectiva como especialistas en <strong data-start=\"453\" data-end=\"471\">ciberseguridad<\/strong>, creemos que los <strong data-start=\"489\" data-end=\"564\">marcos de gobernanza<\/strong><span data-start=\"489\" data-end=\"564\"> deben alinearse con los<\/span><strong data-start=\"489\" data-end=\"564\"> riesgos reales del mercado<\/strong>, especialmente en la intersecci\u00f3n entre la <span data-start=\"608\" data-end=\"634\">IA y el sector fintech<\/span>. Charlas como esta son fundamentales para <strong data-start=\"677\" data-end=\"733\">acortar la distancia entre reguladores e innovadores<\/strong>, garantizando que el progreso no supere a la protecci\u00f3n.<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4119263 e-flex e-con-boxed e-con e-parent\" data-id=\"4119263\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc0a1b7 elementor-widget elementor-widget-image\" data-id=\"cc0a1b7\" 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<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Marco-de-Gobernanza-Digital-768x512.png\" class=\"attachment-medium_large size-medium_large wp-image-4125\" alt=\"Ibiza Tech Forum 2025 - Marco de Gobernanza Digital\" srcset=\"https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Marco-de-Gobernanza-Digital-768x512.png 768w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Marco-de-Gobernanza-Digital-300x200.png 300w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Marco-de-Gobernanza-Digital-1024x683.png 1024w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Ibiza-Tech-Forum-2025-Marco-de-Gobernanza-Digital.png 1536w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Sebasti\u00e1n Gonz\u00e1lez (Gobierno Balear), Antonio Vargas (AWS), Teresa Riesgo (Gobierno Espa\u00f1ol), Alberto Gago (Gobierno Espa\u00f1ol) y Jose Luis Zimmermann (Meta) en el panel \"Marco de Gobernanza Digital\"<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95ad9a0 e-flex e-con-boxed e-con e-parent\" data-id=\"95ad9a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2340a42 elementor-widget elementor-widget-heading\" data-id=\"2340a42\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Innovaci\u00f3n de d\u00eda, conexiones reales de noche<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9aeb785 elementor-widget elementor-widget-text-editor\" data-id=\"9aeb785\" 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-start=\"170\" data-end=\"394\">Aunque el <strong data-start=\"180\" data-end=\"205\">Ibiza Tech Forum 2025<\/strong> ofreci\u00f3 durante el d\u00eda contenido de alto nivel e impacto real para la industria, las noches nos recordaron que <strong data-start=\"317\" data-end=\"393\">crear relaciones s\u00f3lidas <\/strong><span data-start=\"317\" data-end=\"393\">es tan importante como innovar tecnol\u00f3gicamente<\/span>.<\/p><p class=\"\" data-start=\"396\" data-end=\"930\">La <strong data-start=\"399\" data-end=\"439\">Binance Exclusive Rooftop Experience<\/strong>, celebrada el primer d\u00eda, marc\u00f3 el tono del evento con una velada vibrante y cuidadosamente organizada en la terraza del <span data-start=\"561\" data-end=\"580\">Hard Rock Hotel<\/span>. <b>Profesionales del mundo tech y cripto<\/b> compartieron sushi, c\u00f3cteles y una puesta de sol espectacular sobre el Mediterr\u00e1neo. Fue el entorno perfecto para mantener conversaciones espont\u00e1neas, explorar posibles alianzas y compartir <b>momentos m\u00e1s distendidos<\/b> que, a menudo, no tienen lugar en la intensidad de las agendas repletas de paneles y reuniones.<\/p><p class=\"\" data-start=\"932\" data-end=\"1322\">La noche siguiente, la <strong data-start=\"955\" data-end=\"980\">Exclusive Gala Dinner<\/strong> con vistas al puerto de Ibiza reuni\u00f3 a un <b>grupo selecto de asistentes<\/b> para conversaciones m\u00e1s profundas sobre <span data-start=\"1091\" data-end=\"1172\">adopci\u00f3n de blockchain, tendencias de inversi\u00f3n y colaboraci\u00f3n entre sectores<\/span>. Las <b>charlas estrat\u00e9gicas<\/b> se convirtieron en planes concretos, y las tarjetas de presentaci\u00f3n volaron entre platos exquisitos y visiones compartidas.<\/p><p class=\"\" data-start=\"1324\" data-end=\"1613\">Y, por supuesto, ninguna experiencia en Ibiza estar\u00eda completa sin una celebraci\u00f3n a la altura. La <strong data-start=\"1423\" data-end=\"1445\">fiesta de clausura<\/strong> en uno de los locales m\u00e1s emblem\u00e1ticos de la isla nos brind\u00f3 la oportunidad de relajarnos, reflexionar y brindar por una semana de innovaci\u00f3n, conexiones y proyecci\u00f3n.<\/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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9960428 e-flex e-con-boxed e-con e-parent\" data-id=\"9960428\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a991027 elementor-widget elementor-widget-image\" data-id=\"a991027\" 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<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Binance-experiencia-rooftop-Ibiza-Tech-Forum-2025-768x512.png\" class=\"attachment-medium_large size-medium_large wp-image-4126\" alt=\"Binance experiencia rooftop - Ibiza Tech Forum 2025\" srcset=\"https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Binance-experiencia-rooftop-Ibiza-Tech-Forum-2025-768x512.png 768w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Binance-experiencia-rooftop-Ibiza-Tech-Forum-2025-300x200.png 300w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Binance-experiencia-rooftop-Ibiza-Tech-Forum-2025-1024x683.png 1024w, https:\/\/blog.clovrlabs.com\/wp-content\/uploads\/2025\/05\/Binance-experiencia-rooftop-Ibiza-Tech-Forum-2025.png 1536w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Asistentes del Ibiza Tech Forum 2025 disfrutando de la Binance Exclusive Rooftop Experience.<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea79114 e-flex e-con-boxed e-con e-parent\" data-id=\"ea79114\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e49c79 elementor-widget elementor-widget-heading\" data-id=\"9e49c79\" 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<h2 class=\"elementor-heading-title elementor-size-default\">\u00a1Hasta el pr\u00f3ximo a\u00f1o, Ibiza Tech Forum!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b87bff9 elementor-widget elementor-widget-text-editor\" data-id=\"b87bff9\" 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-start=\"99\" data-end=\"320\">Estamos profundamente agradecidos con los organizadores del <strong data-start=\"159\" data-end=\"184\">Ibiza Tech Forum 2025<\/strong> por crear una plataforma tan potente, que combina <strong data-start=\"235\" data-end=\"319\">di\u00e1logo de vanguardia c<\/strong><span data-start=\"235\" data-end=\"319\">on oportunidades reales para<\/span><strong data-start=\"235\" data-end=\"319\"> conectar, colaborar y crecer<\/strong>.<\/p><p class=\"\" data-start=\"322\" data-end=\"601\">Desde la validaci\u00f3n de nuevas ideas hasta el fortalecimiento de alianzas en la industria, este evento reafirm\u00f3 por qu\u00e9 <strong data-start=\"441\" data-end=\"481\">momentos como estos son tan valiosos<\/strong>, no solo para mostrar innovaci\u00f3n, sino para <span data-start=\"526\" data-end=\"581\">dar forma al<\/span><strong data-start=\"526\" data-end=\"581\"> futuro del fintech y la ciberseguridad<\/strong> de manera conjunta.<\/p><p class=\"\" data-start=\"603\" data-end=\"705\">Nos vamos de la isla <strong data-start=\"624\" data-end=\"705\">inspirados, con energ\u00eda renovada <\/strong><span data-start=\"624\" data-end=\"705\">y con muchas ganas de volver <\/span><span data-start=\"624\" data-end=\"705\">el pr\u00f3ximo a\u00f1o.<\/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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Repasamos lo mejor del Ibiza Tech Forum 2025: innovaci\u00f3n, conexiones e impulso a la ciberseguridad en fintech.<\/p>\n","protected":false},"author":4,"featured_media":4101,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[401],"tags":[412,391,534,335],"class_list":["post-4123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cybersecurity","tag-ciberseguridad","tag-fintech","tag-ibiza-tech-forum-2025","tag-innovacion"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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