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135 136<title>Score Alternativo Riesgo | Finvero</title> 137<style> 138/* RISKSEAL GRAPHIC DESIGN REFERENCE STYLES */ 139.origin-clean-hero { 140 background: #090D1A !important; 141 min-height: 520px !important; 142 padding-top: 150px !important; 143 padding-bottom: 70px !important; 144 display: flex; 145 align-items: center; 146 position: relative; 147 overflow: hidden; 148} 149.origin-clean-hero .eyebrow { 150 font-weight: 600; 151 font-size: 0.88rem !important; 152 letter-spacing: 1.5px; 153 text-transform: uppercase; 154 color: #38BDF8 !important; 155 background: transparent !important; 156 border: none !important; 157 padding: 0 !important; 158 display: inline-block; 159 margin-bottom: 16px; 160} 161.origin-clean-hero h1 { 162 font-size: clamp(2.3rem, 3.8vw, 3.5rem) !important; 163 line-height: 1.15; 164 font-weight: 800; 165 color: #FFFFFF !important; 166 margin-bottom: 1.5rem; 167 text-transform: uppercase; 168 letter-spacing: -0.5px; 169} 170.origin-clean-hero .description { 171 font-size: 1.05rem; 172 color: #94A3B8 !important; 173 line-height: 1.6; 174 margin-bottom: 2rem; 175 max-width: 540px; 176} 177.origin-clean-hero .btn-primary-clean { 178 background-color: #1374FF !important; 179 color: #ffffff !important; 180 border: none !important; 181 padding: 14px 32px !important; 182 border-radius: 8px !important; 183 font-weight: 600; 184 display: inline-flex; 185 align-items: center; 186 gap: 8px; 187 box-shadow: 0 4px 20px rgba(19, 116, 255, 0.35) !important; 188 transition: all 0.2s ease; 189} 190.origin-clean-hero .btn-primary-clean:hover { 191 background-color: #0056D6 !important; 192 box-shadow: 0 6px 24px rgba(19, 116, 255, 0.5) !important; 193} 194 195/* RiskSeal Data Badges Row */ 196.riskseal-sources-row { 197 display: flex; 198 align-items: center; 199 gap: 12px; 200 flex-wrap: wrap; 201 margin-top: 24px; 202} 203.riskseal-source-chip { 204 display: inline-flex; 205 align-items: center; 206 gap: 6px; 207 background: rgba(255, 255, 255, 0.05); 208 border: 1px solid rgba(255, 255, 255, 0.12); 209 padding: 6px 12px; 210 border-radius: 20px; 211 color: #CBD5E1; 212 font-size: 0.82rem; 213 font-weight: 500; 214} 215.riskseal-source-chip i { 216 color: #38BDF8; 217} 218 219/* RiskSeal Hero Interactive Cards (Dark Glass Tech) */ 220.score-flow-card, 221.score-flow-card--solicitante, 222.score-flow-card--familias, 223.score-flow-card--result { 224 animation: none !important; 225 background: #111827 !important; 226 border: 1px solid rgba(255, 255, 255, 0.12) !important; 227 border-radius: 14px !important; 228 color: #F8FAFC !important; 229 box-shadow: 0 10px 30px rgba(0,0,0,0.3) !important; 230} 231.score-flow-card__title { 232 color: #FFFFFF !important; 233 font-weight: 700 !important; 234} 235.score-flow-item { 236 color: #94A3B8 !important; 237} 238.score-flow-item svg { 239 fill: #38BDF8 !important; 240} 241.score-flow-pill { 242 background: rgba(255, 255, 255, 0.06) !important; 243 border: 1px solid rgba(255, 255, 255, 0.12) !important; 244 color: #CBD5E1 !important; 245} 246.score-flow-pill svg { 247 fill: #38BDF8 !important; 248} 249.score-flow-card:hover { 250 transform: translateY(-2px) !important; 251 border-color: #1374FF !important; 252} 253.score-hero-flow-footnote { 254 color: #94A3B8 !important; 255} 256 257/* Sections Light Styling (RiskSeal White Clean) */ 258.pymes-section-modern { 259 background: #FFFFFF !important; 260 padding-top: 60px !important; 261 padding-bottom: 60px !important; 262} 263.pymes-section-modern.light { 264 background: #F8FAFC !important; 265} 266.pymes-title-section { 267 color: #0F172A !important; 268 font-weight: 800 !important; 269} 270.pymes-subtitle-section { 271 color: #64748B !important; 272} 273.pymes-challenge-card, 274.score-riesgo-metric-card, 275.fv-pipeline-card, 276.pymes-benefit-card { 277 box-shadow: 0 2px 8px rgba(15, 23, 42, 0.04) !important; 278 border: 1px solid #E2E8F0 !important; 279 background: #FFFFFF !important; 280 border-radius: 12px !important; 281} 282.pymes-challenge-card:hover, 283.score-riesgo-metric-card:hover, 284.pymes-benefit-card:hover { 285 border-color: #1374FF !important; 286 box-shadow: 0 8px 24px rgba(19, 116, 255, 0.08) !important; 287} 288.score-path-pulse { 289 animation: none !important; 290} 291.fv-icon-badge { 292 box-shadow: none !important; 293} 294 295 296/* ========================================================= 297 NAVBAR MEGA MENU - ULTIMATE RISKSEAL STYLE OVERRIDES 298 ========================================================= */ 299
300/* Dropdown Shell */ 301#navBarFV2 .dropdown { 302 position: absolute !important; 303 top: calc(100% + 10px) !important; 304 background: #FFFFFF !important; 305 border: 1px solid #E2E8F0 !important; 306 border-radius: 16px !important; 307 box-shadow: 0 20px 50px rgba(15, 23, 42, 0.12) !important; 308 padding: 28px 20px !important; 309} 310 311/* Columns & Vertical Dividers */ 312#navBarFV2 .mega { 313 display: grid !important; 314 gap: 0 !important; 315} 316 317#navBarFV2 .mega > div { 318 padding: 0 24px !important; 319 border-right: 1px solid #F1F5F9 !important; 320 box-sizing: border-box !important; 321} 322 323#navBarFV2 .mega > div:first-child { 324 padding-left: 0 !important; 325} 326 327#navBarFV2 .mega > div:last-child { 328 padding-right: 0 !important; 329 border-right: none !important; 330} 331 332/* Category Headers (FEATURES / INDUSTRIES / USE CASES style) */ 333#navBarFV2 .col-cat { 334 font-size: 0.72rem !important; 335 font-weight: 800 !important; 336 letter-spacing: 1.2px !important; 337 color: #94A3B8 !important; 338 text-transform: uppercase !important; 339 margin: 0 0 16px 0 !important; 340} 341 342/* Item Wrapper */ 343#navBarFV2 .item { 344 display: flex !important; 345 align-items: flex-start !important; 346 gap: 0 !important; 347 padding: 10px 0 !important; 348 text-decoration: none !important; 349 transition: all 0.15s ease !important; 350} 351 352/* Hide Tile Icon Boxes */ 353#navBarFV2 .tile { 354 display: none !important; 355} 356 357/* Item Text Container */ 358#navBarFV2 .item-txt { 359 font-size: 0.96rem !important; 360 font-weight: 400 !important; 361 color: #0F172A !important; 362 line-height: 1.35 !important; 363 display: block !important; 364} 365 366/* ONLY MAIN TITLE IS BOLD (700) */ 367#navBarFV2 .item-txt > span:first-child, 368#navBarFV2 .item-txt > span[data-i18n*="_title"], 369#navBarFV2 .item-txt > span[data-i18n="navbar.blog"], 370#navBarFV2 .item-txt > span[data-i18n="navbar.sobre_nosotros"], 371#navBarFV2 .item-txt > span[data-i18n="navbar.seguridad"], 372#navBarFV2 .item-txt > span[data-i18n="navbar.premios_btn"] { 373 font-weight: 700 !important; 374 font-size: 0.96rem !important; 375 color: #0F172A !important; 376 display: inline-block !important; 377} 378 379#navBarFV2 .item:hover .item-txt > span:first-child, 380#navBarFV2 .item:hover .item-txt > span[data-i18n*="_title"], 381#navBarFV2 .item:hover .item-txt > span[data-i18n="navbar.blog"], 382#navBarFV2 .item:hover .item-txt > span[data-i18n="navbar.sobre_nosotros"], 383#navBarFV2 .item:hover .item-txt > span[data-i18n="navbar.seguridad"], 384#navBarFV2 .item:hover .item-txt > span[data-i18n="navbar.premios_btn"] { 385 color: #1374FF !important; 386} 387 388/* DESCRIPTIONS ARE STRICTLY NORMAL WEIGHT (400) */ 389#navBarFV2 .item-sub, 390#navBarFV2 .item-sub *, 391#navBarFV2 span.item-sub, 392#navBarFV2 span.item-sub span, 393#navBarFV2 [data-i18n*="_sub"], 394#navBarFV2 [data-i18n*="_desc"] { 395 display: block !important; 396 font-weight: 400 !important; /* STRICTLY NORMAL / REGULAR */ 397 font-size: 0.78rem !important; 398 color: #64748B !important; 399 margin-top: 3px !important; 400 line-height: 1.4 !important; 401} 402 403/* NUEVO BADGE IN PYMES - WHITE TEXT */ 404#navBarFV2 .badge, 405#navBarFV2 .badge span, 406#navBarFV2 [data-i18n="mega_servicios.pymes_nuevo"] { 407 background: #2563EB !important; 408 color: #FFFFFF !important; /* TEXT IN WHITE */ 409 font-weight: 800 !important; 410 font-size: 0.62rem !important; 411 padding: 2px 7px !important; 412 border-radius: 6px !important; 413 letter-spacing: 0.5px !important; 414 margin-left: 6px !important; 415 display: inline-block !important; 416 vertical-align: middle !important; 417 text-transform: uppercase !important; 418} 419 420/* Platform Panel Card (Right Column) */ 421#navBarFV2 .plat { 422 background: #F8FAFC !important; 423 border: 1px solid #F1F5F9 !important; 424 border-radius: 18px !important; 425 padding: 22px 20px !important; 426 border-right: none !important; 427 box-shadow: none !important; 428} 429 430#navBarFV2 .plat .col-cat {
431 font-size: 0.72rem !important; 432 font-weight: 800 !important; 433 color: #94A3B8 !important; 434 margin-bottom: 12px !important; 435 text-transform: uppercase !important; 436 letter-spacing: 1.2px !important; 437} 438 439#navBarFV2 .plat-h4 { 440 font-size: 1.15rem !important; 441 font-weight: 900 !important; 442 color: #0F172A !important; 443 line-height: 1.25 !important; 444 margin: 0 0 16px 0 !important; 445 text-transform: uppercase !important; 446 letter-spacing: -0.2px !important; 447} 448 449#navBarFV2 .plat-pills { 450 display: flex !important; 451 gap: 10px !important; 452 margin-bottom: 20px !important; 453} 454 455#navBarFV2 .plat-pill { 456 background: #EEF4FF !important; 457 color: #2563EB !important; 458 font-size: 0.82rem !important; 459 font-weight: 800 !important; 460 padding: 7px 16px !important; 461 border-radius: 20px !important; 462 display: inline-block !important; 463} 464 465#navBarFV2 .feat-grid { 466 display: grid !important; 467 grid-template-columns: 1fr 1fr !important; 468 gap: 14px 10px !important; 469 margin-bottom: 22px !important; 470} 471 472#navBarFV2 .feat { 473 display: flex !important; 474 align-items: center !important; 475 gap: 8px !important; 476 font-size: 0.82rem !important; 477 font-weight: 700 !important; 478 color: #334155 !important; 479 line-height: 1.25 !important; 480} 481 482#navBarFV2 .feat svg, 483#navBarFV2 .feat i { 484 color: #2563EB !important; 485 fill: #2563EB !important; 486 font-size: 1.1rem !important; 487 flex-shrink: 0 !important; 488} 489 490#navBarFV2 .plat-btn { 491 background: #2563EB !important; 492 color: #FFFFFF !important; 493 font-size: 0.95rem !important; 494 font-weight: 800 !important; 495 padding: 14px !important; 496 border-radius: 12px !important; 497 text-decoration: none !important; 498 text-align: center !important; 499 display: block !important; 500 width: 100% !important; 501 box-shadow: 0 4px 14px rgba(37, 99, 235, 0.25) !important; 502 transition: all 0.2s ease !important; 503} 504 505#navBarFV2 .plat-btn:hover { 506 background: #1D4ED8 !important; 507 color: #FFFFFF !important; 508 box-shadow: 0 6px 18px rgba(37, 99, 235, 0.4) !important; 509} 510 511 512/* EXACT REPLICA OF MEDIA_1789520589069.PNG (PLATAFORMA CARD IN MEGA MENU) */ 513#navBarFV2 .plat { 514 background: #F8FAFC !important; 515 border: 1px solid #F1F5F9 !important; 516 border-radius: 20px !important; 517 padding: 24px 20px !important; 518 border-right: none !important; 519 box-shadow: none !important; 520 display: flex !important; 521 flex-direction: column !important; 522} 523 524#navBarFV2 .plat .col-cat {
525 font-size: 0.72rem !important; 526 font-weight: 800 !important; 527 color: #94A3B8 !important; 528 margin-bottom: 12px !important; 529 text-transform: uppercase !important; 530 letter-spacing: 1.2px !important; 531} 532 533#navBarFV2 .plat-h4 { 534 font-size: 1.15rem !important; 535 font-weight: 900 !important; 536 color: #0F172A !important; 537 line-height: 1.22 !important; 538 margin: 0 0 18px 0 !important; 539 text-transform: uppercase !important; 540 letter-spacing: -0.2px !important; 541} 542 543#navBarFV2 .plat-pills { 544 display: grid !important; 545 grid-template-columns: 1fr 1fr !important; 546 gap: 12px !important; 547 margin-bottom: 22px !important; 548} 549 550#navBarFV2 .plat-pill { 551 background: #EEF4FF !important; 552 color: #2563EB !important; 553 font-size: 0.85rem !important; 554 font-weight: 800 !important; 555 padding: 12px 10px !important; 556 border-radius: 18px !important; 557 text-align: center !important; 558 line-height: 1.3 !important; 559 display: flex !important; 560 flex-direction: column !important; 561 align-items: center !important; 562 justify-content: center !important; 563} 564 565#navBarFV2 .plat-pill br { 566 display: block !important; 567} 568 569#navBarFV2 .feat-grid { 570 display: grid !important; 571 grid-template-columns: 1fr 1fr !important; 572 gap: 16px 12px !important; 573 margin-bottom: 24px !important; 574} 575 576#navBarFV2 .feat { 577 display: flex !important; 578 align-items: center !important; 579 gap: 8px !important; 580 font-size: 0.82rem !important; 581 font-weight: 800 !important; 582 color: #0F172A !important; 583 line-height: 1.25 !important; 584} 585 586#navBarFV2 .feat svg, 587#navBarFV2 .feat i { 588 color: #2563EB !important; 589 stroke: #2563EB !important; 590 fill: none !important; 591 font-size: 1.1rem !important; 592 flex-shrink: 0 !important; 593} 594 595#navBarFV2 .plat-btn { 596 background: #2563EB !important; 597 color: #FFFFFF !important; 598 font-size: 0.95rem !important; 599 font-weight: 800 !important; 600 padding: 14px !important; 601 border-radius: 14px !important; 602 text-decoration: none !important; 603 text-align: center !important; 604 display: block !important; 605 width: 100% !important; 606 box-shadow: 0 6px 20px rgba(37, 99, 235, 0.28) !important; 607 transition: all 0.2s ease !important; 608 margin-top: auto !important; 609} 610 611#navBarFV2 .plat-btn:hover { 612 background: #1D4ED8 !important; 613 color: #FFFFFF !important; 614 box-shadow: 0 8px 24px rgba(37, 99, 235, 0.4) !important; 615} 616 617</style> 618</head> 619<body id="decisionPage"> 620<!-- Menu --> 621<link href="/styles/components/navbar_v6.css?v=2026_SEP22_v20" rel="stylesheet"/> 622<nav id="navBarFV2"></nav>
623<script defer="" src="/js/utils/navbar2024_v7.js?v=2026_SEP22_v20"></script>
623 624 625 626<!-- HERO SECTION - Resumen Ejecutivo --> 627<section class="origin-clean-hero"> 628<div class="container score-riesgo-container-max"> 629<div class="row align-items-center"> 630 631<!-- Left Column: Copy --> 632<div class="col-lg-5 col-md-12 mb-5 mb-lg-0 text-left"> 633<span class="eyebrow" data-i18n="score_riesgo_index.eyebrow">Score Alternativo</span> 634<h1 data-i18n="score_riesgo_index.hero_title">Score de Riesgo Alternativo para quien no tiene historial</h1> 635<p class="description" data-i18n="score_riesgo_index.hero_subtitle">Califica a quien no deja huella en las fuentes tradicionales, con nueve familias de datos alternativos y modelos entrenados para población sin historial.</p> 636<div style="display: flex; gap: 16px; flex-wrap: wrap;"> 637<a class="btn-primary-clean" href="/registro-lenders/index.html?product=score-riesgo"> 638 <span data-i18n="score_riesgo_index.hero_cta">Empieza ahora</span> 639 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><line x1="5" y1="12" x2="19" y2="12"></line><polyline points="12 5 19 12 12 19"></polyline></svg> 640</a> 641</div> 642</div> 643 644<!-- Right Column: Overlapping Dashboard Component (Exact replica of media_1789519110091.png) --> 645<div class="col-lg-7 col-md-12 text-center"> 646<div class="score-hero-interactive-wrap"> 647<div style="position: relative; width: 100%; max-width: 620px; margin: 0 auto; min-height: 480px; text-align: left;"> 648
649 <!-- Top Left Card: Transacciones (Chart) --> 650 <div style="position: absolute; top: 0; left: 0; width: 330px; background: #FFFFFF; border-radius: 24px; padding: 22px 24px; box-shadow: 0 12px 35px rgba(15, 23, 42, 0.08); border: 1px solid #E2E8F0; z-index: 1;"> 651 <div style="font-size: 1.1rem; font-weight: 900; color: #0F172A; margin-bottom: 14px;" data-i18n="score_riesgo_index.transacciones_title">Transacciones</div> 652 653 <!-- Smooth Area Chart SVG --> 654 <div style="position: relative; width: 100%; height: 95px;"> 655 <svg viewBox="0 0 200 65" style="width: 100%; height: 100%; overflow: visible;"> 656 <!-- Grid Lines --> 657 <line x1="0" y1="15" x2="200" y2="15" stroke="#F1F5F9" stroke-linecap="round" /> 658 <line x1="0" y1="35" x2="200" y2="35" stroke="#F1F5F9" stroke-linecap="round" /> 659 <line x1="0" y1="55" x2="200" y2="55" stroke="#F1F5F9" stroke-linecap="round" /> 660 661 <!-- Curved Smooth Lines --> 662 <path d="M0,20 Q50,5 100,28 T200,12" fill="none" stroke="#2563EB" stroke-width="3" /> 663 <path d="M0,35 Q50,22 100,42 T200,20" fill="none" stroke="#F59E0B" stroke-width="3" /> 664 <path d="M0,50 Q50,40 100,52 T200,38" fill="none" stroke="#EF4444" stroke-width="3" /> 665 666 <!-- Active Point Line --> 667 <line x1="80" y1="0" x2="80" y2="60" stroke="#3B82F6" stroke-width="1.5" stroke-dasharray="3 3" /> 668 <circle cx="80" cy="22" r="4.5" fill="#2563EB" stroke="#FFFFFF" stroke-width="2" /> 669 <circle cx="80" cy="36" r="4.5" fill="#F59E0B" stroke="#FFFFFF" stroke-width="2" /> 670 <circle cx="80" cy="48" r="4.5" fill="#EF4444" stroke="#FFFFFF" stroke-width="2" /> 671 </svg> 672 673 <!-- Floating Tooltip Box --> 674 <div style="position: absolute; top: -5px; right: 10px; background: #FFFFFF; border-radius: 12px; padding: 6px 12px; box-shadow: 0 8px 25px rgba(15, 23, 42, 0.12); border: 1px solid #E2E8F0; font-size: 0.72rem; font-weight: 700; color: #0F172A;"> 675 <div style="color: #64748B; margin-bottom: 2px;">2026, 03</div> 676 <div style="display: flex; align-items: center; gap: 6px; color: #2563EB;">â <span style="color: #0F172A;">2,912</span></div> 677 <div style="display: flex; align-items: center; gap: 6px; color: #F59E0B;">â <span style="color: #0F172A;">3,876</span></div> 678 <div style="display: flex; align-items: center; gap: 6px; color: #EF4444;">â <span style="color: #0F172A;">189</span></div> 679 </div> 680 </div> 681 682 <!-- X Axis Labels --> 683 <div style="display: flex; justify-content: space-between; font-size: 0.72rem; font-weight: 700; color: #94A3B8; margin-top: 8px;"> 684 <span>Ene</span><span>Mar</span><span>May</span><span>Jul</span><span>Sep</span><span>Nov</span> 685 </div> 686 </div> 687 688 <!-- Bottom Left Card: Señales Validadas (Signals) --> 689 <div style="position: absolute; bottom: 0; left: 0; width: 330px; background: #FFFFFF; border-radius: 24px; padding: 22px 24px; box-shadow: 0 12px 35px rgba(15, 23, 42, 0.08); border: 1px solid #E2E8F0; z-index: 1;"> 690 <div style="font-size: 1.1rem; font-weight: 900; color: #0F172A; margin-bottom: 16px;" data-i18n="score_riesgo_index.senales_title">Señales Validadas</div> 691 692 <!-- Signal Item 1: Email --> 693 <div style="display: flex; align-items: flex-start; gap: 12px; margin-bottom: 14px;"> 694 <div style="width: 26px; height: 26px; border-radius: 50%; background: #16A34A; color: #FFFFFF; display: flex; align-items: center; justify-content: center; font-size: 0.85rem; font-weight: 900; flex-shrink: 0; margin-top: 2px;">â</div> 695 <div> 696 <div style="font-size: 0.92rem; font-weight: 900; color: #0F172A;" data-i18n="score_riesgo_index.email_label">Correo Electrónico</div> 697 <div style="font-size: 0.78rem; color: #64748B; font-weight: 700;" data-i18n="score_riesgo_index.email_sub">Antigüedad = 15+ Años</div> 698 </div> 699 </div> 700 701 <!-- Signal Item 2: Phone --> 702 <div style="display: flex; align-items: flex-start; gap: 12px;"> 703 <div style="width: 26px; height: 26px; border-radius: 50%; background: #16A34A; color: #FFFFFF; display: flex; align-items: center; justify-content: center; font-size: 0.85rem; font-weight: 900; flex-shrink: 0; margin-top: 2px;">â</div> 704 <div> 705 <div style="font-size: 0.92rem; font-weight: 900; color: #0F172A;" data-i18n="score_riesgo_index.phone_label">LÃnea Telefónica</div> 706 <div style="font-size: 0.78rem; color: #64748B; font-weight: 700;" data-i18n="score_riesgo_index.phone_sub1">LÃnea Validada · Activa</div> 707 <div style="font-size: 0.78rem; color: #64748B; font-weight: 700;" data-i18n="score_riesgo_index.phone_sub2">Operador: AT&T / Telcel</div> 708 </div> 709 </div> 710 </div> 711 712 <!-- Right Overlapping Card: Digital Credit Score (860) --> 713 <div style="position: absolute; top: 35px; right: 0; width: 310px; background: #FFFFFF; border-radius: 28px; padding: 26px 24px; box-shadow: 0 20px 50px rgba(15, 23, 42, 0.15); border: 1px solid #E2E8F0; z-index: 10; text-align: center;"> 714 715 <!-- Score Circular Progress Gauge with Gradient Ring --> 716 <div style="position: relative; width: 135px; height: 135px; margin: 0 auto 14px auto; display: flex; flex-direction: column; align-items: center; justify-content: center;"> 717 <svg viewBox="0 0 36 36" style="width: 100%; height: 100%; transform: rotate(-90deg);"> 718 <!-- Definitions for Arc Gradients --> 719 <defs> 720 <linearGradient id="scoreHeroGradientV3" x1="0%" y1="0%" x2="100%" y2="100%"> 721 <stop offset="0%" stop-color="#10B981" /> 722 <stop offset="50%" stop-color="#F59E0B" /> 723 <stop offset="100%" stop-color="#EF4444" /> 724 </linearGradient> 725 </defs> 726 <path d="M18 2.0845 a 15.9155 15.9155 0 0 1 0 31.831 a 15.9155 15.9155 0 0 1 0 -31.831" fill="none" stroke="#F1F5F9" stroke-width="3.5" /> 727 <path d="M18 2.0845 a 15.9155 15.9155 0 1 1 -5 31" fill="none" stroke="url
727(#scoreHeroGradientV3)" stroke-width="4.5" stroke-linecap="round" /> 728 </svg> 729 <div style="position: absolute; text-align: center;"> 730 <div style="font-size: 2.1rem; font-weight: 900; color: #0F172A; line-height: 1;">860</div> 731 <div style="font-size: 0.72rem; font-weight: 800; color: #64748B; margin-top: 3px;" data-i18n="score_riesgo_index.score_title">Score de Crédito Digital</div> 732 </div> 733 </div> 734 735 <!-- Metric Signal Bars --> 736 <div style="display: flex; flex-direction: column; gap: 10px; text-align: left;"> 737 738 <!-- Bar 1: Solvencia --> 739 <div style="display: flex; align-items: center; justify-content: space-between; font-size: 0.8rem;"> 740 <span style="font-weight: 800; color: #334155; width: 105px;" data-i18n="score_riesgo_index.bar_solvencia">Solvencia</span> 741 <div style="flex-grow: 1; height: 9px; background: #F1F5F9; border-radius: 6px; overflow: hidden; margin-left: 8px;"> 742 <div style="width: 85%; height: 100%; background: #10B981; border-radius: 6px;"></div> 743 </div> 744 </div> 745 746 <!-- Bar 2: Consumo --> 747 <div style="display: flex; align-items: center; justify-content: space-between; font-size: 0.8rem;"> 748 <span style="font-weight: 800; color: #334155; width: 105px;" data-i18n="score_riesgo_index.bar_consumo">Consumo</span> 749 <div style="flex-grow: 1; height: 9px; background: #F1F5F9; border-radius: 6px; overflow: hidden; margin-left: 8px;"> 750 <div style="width: 95%; height: 100%; background: #10B981; border-radius: 6px;"></div> 751 </div> 752 </div> 753 754 <!-- Bar 3: Riesgo --> 755 <div style="display: flex; align-items: center; justify-content: space-between; font-size: 0.8rem;"> 756 <span style="font-weight: 800; color: #334155; width: 105px;" data-i18n="score_riesgo_index.bar_riesgo">Riesgo</span> 757 <div style="flex-grow: 1; height: 9px; background: #F1F5F9; border-radius: 6px; overflow: hidden; margin-left: 8px;"> 758 <div style="width: 35%; height: 100%; background: #10B981; border-radius: 6px;"></div> 759 </div> 760 </div> 761 762 <!-- Bar 4: Afinidad Digital --> 763 <div style="display: flex; align-items: center; justify-content: space-between; font-size: 0.8rem;"> 764 <span style="font-weight: 800; color: #334155; width: 105px;" data-i18n="score_riesgo_index.bar_reputacion">Afinidad Digital</span> 765 <div style="flex-grow: 1; height: 9px; background: #F1F5F9; border-radius: 6px; overflow: hidden; margin-left: 8px;"> 766 <div style="width: 100%; height: 100%; background: #10B981; border-radius: 6px;"></div> 767 </div> 768 </div> 769 770 <!-- Bar 5: Perfil Gamer --> 771 <div style="display: flex; align-items: center; justify-content: space-between; font-size: 0.8rem;"> 772 <span style="font-weight: 800; color: #334155; width: 105px;" data-i18n="score_riesgo_index.bar_gamer">Perfil Gamer</span> 773 <div style="flex-grow: 1; height: 9px; background: #F1F5F9; border-radius: 6px; overflow: hidden; margin-left: 8px;"> 774 <div style="width: 90%; height: 100%; background: #10B981; border-radius: 6px;"></div> 775 </div> 776 </div> 777 778 </div> 779 780 </div> 781 782</div> 783</div> 784</div></div> 785</div> 786<div id="anclaa" style="position: absolute; bottom: 0;"></div> 787</section> 788 789<!-- MÃTRICAS CLAVE (Diseño de Cards según media_1789519204725) --> 790<section class="pymes-section-modern de-metrics-section"> 791 <div class="container score-riesgo-container-max"> 792 <div class="row g-4 align-items-stretch"> 793 794 <!-- Left Column: Copy & Book Demo Button --> 795 <div class="col-lg-5 col-md-12"> 796 <div class="de-metrics-intro-card"> 797 <p class="de-metrics-intro-text" data-i18n="score_riesgo_index.metric_intro_text"> 798 Al incorporar los datos alternativos de Finvero, los otorgantes de crédito aumentan sus tasas de aprobación en solicitantes con historial crediticio limitado o nulo. 799 </p> 800 <div> 801 <a href="/registro-lenders/index.html?product=score-riesgo" class="de-metrics-cta-btn">
802 <span data-i18n="score_riesgo_index.agenda_demo_btn">Agenda una demo</span> 803 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><line x1="5" y1="12" x2="19" y2="12"></line><polyline points="12 5 19 12 12 19"></polyline></svg> 804 </a> 805 </div> 806 </div> 807 </div> 808 809 <!-- Right Column: 2x2 Cards Grid (Estilo media_1789519204725) --> 810 <div class="col-lg-7 col-md-12"> 811 <div class="row g-3"> 812 813 <!-- Card 1: Hasta 2x --> 814 <div class="col-6"> 815 <div class="de-metric-card"> 816 <!-- Blue Line Icon --> 817 <div class="de-metric-icon-badge"> 818 <svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.2"><path d="M22 12h-4l-3 9L9 3l-3 9H2"/></svg> 819 </div> 820 <div class="de-metric-val" data-i18n="score_riesgo_index.metric_1_val"> 821 Hasta 2x 822 </div> 823 <p class="de-metric-desc" data-i18n="score_riesgo_index.metric_1_desc"> 824 Mayor aprobación en segmentos sin historial crediticio 825 </p> 826 </div> 827 </div> 828 829 <!-- Card 2: 98% --> 830 <div class="col-6"> 831 <div class="de-metric-card"> 832 <!-- Blue Line Icon --> 833 <div class="de-metric-icon-badge"> 834 <svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.2"><circle cx="12" cy="12" r="10"/><path d="M12 2a14.5 14.5 0 0 0 0 20 14.5 14.5 0 0 0 0-20"/><path d="M2 12h20"/></svg> 835 </div> 836 <div class="de-metric-val" data-i18n="score_riesgo_index.metric_2_val"> 837 98% 838 </div> 839 <p class="de-metric-desc" data-i18n="score_riesgo_index.metric_2_desc"> 840 Cobertura de solicitantes no atendidos por la banca 841 </p> 842 </div> 843 </div> 844 845 <!-- Card 3: Hasta 25% --> 846 <div class="col-6"> 847 <div class="de-metric-card"> 848 <!-- Blue Line Icon --> 849 <div class="de-metric-icon-badge"> 850 <svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.2"><path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z"/></svg> 851 </div> 852 <div class="de-metric-val" data-i18n="score_riesgo_index.metric_3_val"> 853 Hasta 25% 854 </div> 855 <p class="de-metric-desc" data-i18n="score_riesgo_index.metric_3_desc"> 856 Reducción directa en la tasa de mora y cartera vencida 857 </p> 858 </div> 859 </div> 860 861 <!-- Card 4: Menos de 3 seg --> 862 <div class="col-6"> 863 <div class="de-metric-card"> 864 <!-- Blue Line Icon --> 865 <div class="de-metric-icon-badge"> 866 <svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.2"><polygon points="13 2 3 14 12 14 11 22 21 10 12 10 13 2"/></svg> 867 </div> 868 <div class="de-metric-val" data-i18n="score_riesgo_index.metric_4_val"> 869 Menos de 3 seg 870 </div> 871 <p class="de-metric-desc" data-i18n="score_riesgo_index.metric_4_desc"> 872 Tiempo de respuesta para scoring e inferencia en tiempo real 873 </p> 874 </div> 875 </div> 876 877 </div> 878 </div> 879 880 </div> 881 </div> 882</section> 883 884 885<!-- CÃMO FUNCIONA (Carrusel Interactivo RiskSeal - 3 Pasos) --> 886<section class="pymes-section-modern" style="background: #FFFFFF !important; padding-top: 70px; padding-bottom: 80px; overflow: hidden;"> 887<div class="container" style="max-width: 900px;"> 888 889 <!-- Header --> 890 <div class="text-center mb-4"> 891 <h2 class="pymes-title-section mb-2" style="color: #0F172A; font-weight: 800;" data-i18n="score_riesgo_index.how_works_title">Cómo Funciona</h2> 892 <p class="pymes-subtitle-section" style="color: #64748B; max-width: 600px; margin: 0 auto;" data-i18n="score_riesgo_index.how_works_subtitle">Proceso de evaluación crediticia alternativa en 3 pasos automatizados</p> 893 </div> 894 895 <!-- Step Pills / Nav Tabs --> 896 <div style="display: flex; justify-content: center; gap: 10px; margin-bottom: 32px; flex-wrap: wrap;"> 897 <button id="cfTab1" type="button" onclick="goToCFStep(0)" style="background: #2563EB; color: #FFFFFF; border: none; padding: 10px 20px; border-radius: 30px; font-weight: 700; font-size: 0.85rem; cursor: pointer; transition: all 0.25s; box-shadow: 0 4px 12px rgba(37, 99, 235, 0.25);"> 898 01 · Petición vÃa API 899 </button> 900 <button id="cfTab2" type="button" onclick="goToCFStep(1)" style="background: #FFFFFF; color: #64748B; border: 1px solid #E2E8F0; padding: 10px 20px; border-radius: 30px; font-weight: 700; font-size: 0.85rem; cursor: pointer; transition: all 0.25s;"> 901 02 · Datos Alternativos 902 </button> 903 <button id="cfTab3" type="button" onclick="goToCFStep(2)" style="background: #FFFFFF; color: #64748B; border: 1px solid #E2E8F0; padding: 10px 20px; border-radius: 30px; font-weight: 700; font-size: 0.85rem; cursor: pointer; transition: all 0.25s;"> 904 03 · Score y Dictamen 905 </button> 906 </div> 907 908 <!-- Carousel Window Container --> 909 <div style="position: relative; overflow: hidden; border-radius: 24px; border: 1px solid #E2E8F0; background: #FFFFFF; box-shadow: 0 8px 30px rgba(15, 23, 42, 0.08);"> 910 911 <!-- Sliding Track --> 912 <div id="cfSliderTrack" style="display: flex; transition: transform 0.45s cubic-bezier(0.16, 1, 0.3, 1); width: 300%;"> 913 914 <!-- Slide 1: Petición API con Dashboard Overlapping (Estilo media_1789519346964) --> 915 <div style="width: 33.333333%; flex-shrink: 0; box-sizing: border-box;"> 916 917 <!-- Image 1 Container: Dashboard con Tarjetas Superpuestas --> 918 <div style="position: relative; width: 100%; min-height: 420px; background: linear-gradient(135deg, #F8FAFC 0%, #EEF4FF 100%); border-bottom: 1px solid #E2E8F0; padding: 28px 16px; display: flex; align-items: center; justify-content: center; overflow: hidden;"> 919 920 921 922 <!-- Overlapping Dashboard Layout Grid Container --> 923 <div style="position: relative; width: 100%; max-width: 580px; margin: 0 auto; min-height: 380px; text-align: left; margin-top: 15px;"> 924
925 <!-- Top Left Card: Transacciones (Chart) --> 926 <div style="position: absolute; top: 0; left: 0; width: 310px; background: #FFFFFF; border-radius: 22px; padding: 18px 20px; box-shadow: 0 10px 30px rgba(15, 23, 42, 0.08); border: 1px solid #E2E8F0; z-index: 1;"> 927 <div style="font-size: 1.05rem; font-weight: 900; color: #0F172A; margin-bottom: 12px;" data-i18n="score_riesgo_index.transacciones_title">Transacciones</div> 928 929 <!-- Smooth Area Chart SVG --> 930 <div style="position: relative; width: 100%; height: 85px;"> 931 <svg viewBox="0 0 200 65" style="width: 100%; height: 100%; overflow: visible;"> 932 <!-- Grid Lines --> 933 <line x1="0" y1="15" x2="200" y2="15" stroke="#F1F5F9" stroke-linecap="round" /> 934 <line x1="0" y1="35" x2="200" y2="35" stroke="#F1F5F9" stroke-linecap="round" /> 935 <line x1="0" y1="55" x2="200" y2="55" stroke="#F1F5F9" stroke-linecap="round" /> 936 937 <!-- Curved Smooth Lines --> 938 <path d="M0,20 Q50,5 100,28 T200,12" fill="none" stroke="#2563EB" stroke-width="3" /> 939 <path d="M0,35 Q50,22 100,42 T200,20" fill="none" stroke="#F59E0B" stroke-width="3" /> 940 <path d="M0,50 Q50,40 100,52 T200,38" fill="none" stroke="#EF4444" stroke-width="3" /> 941 942 <!-- Active Point Line --> 943 <line x1="80" y1="0" x2="80" y2="60" stroke="#3B82F6" stroke-width="1.5" stroke-dasharray="3 3" /> 944 <circle cx="80" cy="22" r="4.5" fill="#2563EB" stroke="#FFFFFF" stroke-width="2" /> 945 <circle cx="80" cy="36" r="4.5" fill="#F59E0B" stroke="#FFFFFF" stroke-width="2" /> 946 <circle cx="80" cy="48" r="4.5" fill="#EF4444" stroke="#FFFFFF" stroke-width="2" /> 947 </svg> 948 949 <!-- Floating Tooltip Box --> 950 <div style="position: absolute; top: -5px; right: 10px; background: #FFFFFF; border-radius: 10px; padding: 5px 10px; box-shadow: 0 6px 20px rgba(15, 23, 42, 0.12); border: 1px solid #E2E8F0; font-size: 0.7rem; font-weight: 700; color: #0F172A;"> 951 <div style="color: #64748B; margin-bottom: 2px;">2026, 03</div> 952 <div style="display: flex; align-items: center; gap: 4px; color: #2563EB;">â <span style="color: #0F172A;">2,912</span></div> 953 <div style="display: flex; align-items: center; gap: 4px; color: #F59E0B;">â <span style="color: #0F172A;">3,876</span></div> 954 <div style="display: flex; align-items: center; gap: 4px; color: #EF4444;">â <span style="color: #0F172A;">189</span></div> 955 </div> 956 </div> 957 958 <!-- X Axis Labels --> 959 <div style="display: flex; justify-content: space-between; font-size: 0.68rem; font-weight: 700; color: #94A3B8; margin-top: 6px;"> 960 <span>Ene</span><span>Mar</span><span>May</span><span>Jul</span><span>Sep</span><span>Nov</span> 961 </div> 962 </div> 963 964 <!-- Bottom Left Card: Señales Validadas (Signals) --> 965 <div style="position: absolute; bottom: 0; left: 0; width: 310px; background: #FFFFFF; border-radius: 22px; padding: 18px 20px; box-shadow: 0 10px 30px rgba(15, 23, 42, 0.08); border: 1px solid #E2E8F0; z-index: 1;"> 966 <div style="font-size: 1.05rem; font-weight: 900; color: #0F172A; margin-bottom: 12px;" data-i18n="score_riesgo_index.senales_title">Señales Validadas</div> 967 968 <!-- Signal Item 1: Email --> 969 <div style="display: flex; align-items: flex-start; gap: 10px; margin-bottom: 12px;"> 970 <div style="width: 24px; height: 24px; border-radius: 50%; background: #16A34A; color: #FFFFFF; display: flex; align-items: center; justify-content: center; font-size: 0.8rem; font-weight: 900; flex-shrink: 0; margin-top: 2px;">â</div> 971 <div> 972 <div style="font-size: 0.88rem; font-weight: 900; color: #0F172A;" data-i18n="score_riesgo_index.email_label">Correo Electrónico</div> 973 <div style="font-size: 0.75rem; color: #64748B; font-weight: 700;" data-i18n="score_riesgo_index.email_sub">
973Antigüedad = 15+ Años</div> 974 </div> 975 </div> 976 977 <!-- Signal Item 2: Phone --> 978 <div style="display: flex; align-items: flex-start; gap: 10px;"> 979 <div style="width: 24px; height: 24px; border-radius: 50%; background: #16A34A; color: #FFFFFF; display: flex; align-items: center; justify-content: center; font-size: 0.8rem; font-weight: 900; flex-shrink: 0; margin-top: 2px;">â</div> 980 <div> 981 <div style="font-size: 0.88rem; font-weight: 900; color: #0F172A;" data-i18n="score_riesgo_index.phone_label">LÃnea Telefónica</div> 982 <div style="font-size: 0.75rem; color: #64748B; font-weight: 700;" data-i18n="score_riesgo_index.phone_sub1">LÃnea Validada · Activa</div> 983 <div style="font-size: 0.75rem; color: #64748B; font-weight: 700;" data-i18n="score_riesgo_index.phone_sub2">Operador: AT&T / Telcel</div> 984 </div> 985 </div> 986 </div> 987 988 <!-- Right Overlapping Card: Digital Credit Score (860) --> 989 <div style="position: absolute; top: 25px; right: 0; width: 280px; background: #FFFFFF; border-radius: 26px; padding: 22px 20px; box-shadow: 0 16px 40px rgba(15, 23, 42, 0.14); border: 1px solid #E2E8F0; z-index: 10; text-align: center;"> 990 991 <!-- Score Circular Progress Gauge with Gradient Ring --> 992 <div style="position: relative; width: 125px; height: 125px; margin: 0 auto 12px auto; display: flex; flex-direction: column; align-items: center; justify-content: center;"> 993 <svg viewBox="0 0 36 36" style="width: 100%; height: 100%; transform: rotate(-90deg);"> 994 <!-- Definitions for Arc Gradients --> 995 <defs> 996 <linearGradient id="scoreTab1Gradient" x1="0%" y1="0%" x2="100%" y2="100%"> 997 <stop offset="0%" stop-color="#10B981" /> 998 <stop offset="50%" stop-color="#F59E0B" /> 999 <stop offset="100%" stop-color="#EF4444" /> 1000 </linearGradient> 1001 </defs> 1002 <path d="M18 2.0845 a 15.9155 15.9155 0 0 1 0 31.831 a 15.9155 15.9155 0 0 1 0 -31.831" fill="none" stroke="#F1F5F9" stroke-width="3.5" /> 1003 <path d="M18 2.0845 a 15.9155 15.9155 0 1 1 -5 31" fill="none" stroke="url(#scoreTab1Gradient)" stroke-width="4.5" stroke-linecap="round" /> 1004 </svg> 1005 <div style="position: absolute; text-align: center;"> 1006 <div style="font-size: 1.9rem; font-weight: 900; color: #0F172A; line-height: 1;">860</div> 1007 <div style="font-size: 0.68rem; font-weight: 800; color: #64748B; margin-top: 3px;" data-i18n="score_riesgo_index.score_title">Score de Crédito Digital</div> 1008 </div> 1009 </div> 1010 1011 <!-- Metric Signal Bars --> 1012 <div style="display: flex; flex-direction: column; gap: 8px; text-align: left;"> 1013 1014 <!-- Bar 1: Solvencia --> 1015 <div style="display: flex; align-items: center; justify-content: space-between; font-size: 0.76rem;"> 1016 <span style="font-weight: 800; color: #334155; width: 95px;" data-i18n="score_riesgo_index.bar_solvencia">Solvencia</span> 1017 <div style="flex-grow: 1; height: 8px; background: #F1F5F9; border-radius: 6px; overflow: hidden; margin-left: 8px;"> 1018 <div style="width: 85%; height: 100%; background: #10B981; border-radius: 6px;"></div> 1019 </div> 1020 </div> 1021 1022 <!-- Bar 2: Consumo --> 1023 <div style="display: flex; align-items: center; justify-content: space-between; font-size: 0.76rem;"> 1024 <span style="font-weight: 800; color: #334155; width: 95px;" data-i18n="score_riesgo_index.bar_consumo">Consumo</span> 1025 <div style="flex-grow: 1; height: 8px; background: #F1F5F9; border-radius: 6px; overflow: hidden; margin-left: 8px;"> 1026 <div style="width: 95%; height: 100%; background: #10B981; border-radius: 6px;"></div> 1027 </div> 1028 </div> 1029 1030 <!-- Bar 3: Riesgo --> 1031 <div style="display: flex; align-items: center; justify-content: space-between; font-size: 0.76rem;">
1032 <span style="font-weight: 800; color: #334155; width: 95px;" data-i18n="score_riesgo_index.bar_riesgo">Riesgo</span> 1033 <div style="flex-grow: 1; height: 8px; background: #F1F5F9; border-radius: 6px; overflow: hidden; margin-left: 8px;"> 1034 <div style="width: 35%; height: 100%; background: #10B981; border-radius: 6px;"></div> 1035 </div> 1036 </div> 1037 1038 <!-- Bar 4: Afinidad Digital --> 1039 <div style="display: flex; align-items: center; justify-content: space-between; font-size: 0.76rem;"> 1040 <span style="font-weight: 800; color: #334155; width: 95px;" data-i18n="score_riesgo_index.bar_reputacion">Afinidad Digital</span> 1041 <div style="flex-grow: 1; height: 8px; background: #F1F5F9; border-radius: 6px; overflow: hidden; margin-left: 8px;"> 1042 <div style="width: 100%; height: 100%; background: #10B981; border-radius: 6px;"></div> 1043 </div> 1044 </div> 1045 1046 <!-- Bar 5: Perfil Gamer --> 1047 <div style="display: flex; align-items: center; justify-content: space-between; font-size: 0.76rem;"> 1048 <span style="font-weight: 800; color: #334155; width: 95px;" data-i18n="score_riesgo_index.bar_gamer">Perfil Gamer</span> 1049 <div style="flex-grow: 1; height: 8px; background: #F1F5F9; border-radius: 6px; overflow: hidden; margin-left: 8px;"> 1050 <div style="width: 90%; height: 100%; background: #10B981; border-radius: 6px;"></div> 1051 </div> 1052 </div> 1053 1054 </div> 1055 1056 </div> 1057 1058 </div> 1059 1060 </div> 1061 1062 <!-- Content Below (Estructura y Texto Intactos) --> 1063 <div style="padding: 32px 32px 36px 32px;"> 1064 <h3 style="font-size: 1.3rem; font-weight: 800; color: #0F172A; margin-bottom: 12px; line-height: 1.3;" data-i18n="score_riesgo_index.cf_step1_title"> 1065 1. Petición de evaluación vÃa API REST 1066 </h3> 1067 <p style="color: #475569; font-size: 0.98rem; line-height: 1.65; margin: 0;" data-i18n="score_riesgo_index.cf_step1_desc"> 1068 El cliente inicia la solicitud de crédito en tu aplicación móvil o e-commerce. Tu plataforma envÃa una sola llamada API REST con los datos mÃnimos del usuario (teléfono, correo electrónico, IP o RFC) para iniciar el análisis. 1069 </p> 1070 </div> 1071 </div> 1072 1073 <!-- Slide 2: Datos Alternativos (Finvero 9 Familias con Estilo media_1789519437770) --> 1074 <div style="width: 33.333333%; flex-shrink: 0; box-sizing: border-box;"> 1075 1076 <!-- Image 2 Container: 2x2 Grid de Fuentes Alternativas Finvero --> 1077 <div style="position: relative; width: 100%; min-height: 420px; background: linear-gradient(135deg, #F8FAFC 0%, #EEF4FF 100%); border-bottom: 1px solid #E2E8F0; padding: 28px 20px; display: flex; align-items: center; justify-content: center;"> 1078 1079 <!-- 2x2 Grid Container --> 1080 <div style="width: 100%; max-width: 720px; margin-top: 10px;"> 1081 <div style="display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px;"> 1082 1083 <!-- Card 1: Redes y Reputación Digital --> 1084 <div style="background: #FFFFFF; border-radius: 18px; padding: 16px 18px; border: 1px solid #E2E8F0; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04);"> 1085 <div style="font-size: 0.88rem; font-weight: 800; color: #0F172A; margin-bottom: 12px;" data-i18n="score_riesgo_index.cf_tab2_cat1"> 1086 Redes y Reputación Digital 1087 </div> 1088 <div style="display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px;"> 1089 <!-- WhatsApp --> 1090 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center;"> 1091 <svg width="22" height="22" viewBox="0 0 24 24" fill="#25D366"><path d="M12.012 2c-5.508 0-9.988 4.479-9.988 9.987 0 1.763.459 3.483 1.332 5.003l-1.416 5.168 5.281-1.386c1.47.802 3.132 1.224 4.791 1.224 5.507 0 9.987-4.479 9.987-9.987 0-5.508-4.48-9.989-9.987-9.989zm0 18.281c-1.503 0-2.981-.403-4.267-1.168l-.306-.181-3.173.832.847-3.093-.198-.315c-.841-1.335-1.285-2.884-1.285-4.47 0-4.568 3.717-8.285 8.382-8.285 4.664 0 8.381 3.717 8.381 8.285 0 4.568-3.717 8.381-8.381 8.381z"/></svg>
1092 <span style="font-size: 0.65rem; font-weight: 700; color: #64748B; margin-top: 4px;">WhatsApp</span> 1093 </div> 1094 <!-- LinkedIn --> 1095 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center;"> 1096 <svg width="22" height="22" viewBox="0 0 24 24" fill="#0A66C2"><path d="M19 3a2 2 0 0 1 2 2v14a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V5a2 2 0 0 1 2-2h14m-.5 15.5v-5.3a3.26 3.26 0 0 0-3.26-3.26c-.85 0-1.84.52-2.28 1.3v-1.11h-2.79v8.37h2.79v-4.93c0-.77.62-1.4 1.39-1.4a1.4 1.4 0 0 1 1.4 1.4v4.93h2.75M6.88 8.56a1.68 1.68 0 0 0 1.68-1.68c0-.93-.75-1.69-1.68-1.69a1.69 1.69 0 0 0-1.69 1.69c0 .93.76 1.68 1.69 1.68m1.39 9.94v-8.37H5.5v8.37h2.77z"/></svg> 1097 <span style="font-size: 0.65rem; font-weight: 700; color: #64748B; margin-top: 4px;">LinkedIn</span> 1098 </div> 1099 <!-- Instagram --> 1100 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center;"> 1101 <svg width="22" height="22" viewBox="0 0 24 24" fill="#E4405F"><path d="M12 2.163c3.204 0 3.584.012 4.85.07 3.252.148 4.771 2.156 4.919 5.406.058 1.265.069 1.645.069 4.849 0 3.205-.012 3.584-.069 4.849-.149 3.225-1.664 5.255-4.919 5.404-1.266.058-1.644.07-4.85.07-3.204 0-3.584-.012-4.849-.07-3.26-.149-4.771-2.199-4.919-5.404-.058-1.265-.07-1.644-.07-4.849 0-3.204.013-3.583.07-4.849.149-3.227 1.664-5.228 4.919-5.406 1.265-.058 1.644-.07 4.849-.07zm0-2.163c-3.259 0-3.667.014-4.947.072-4.358.2-6.78 2.618-6.98 6.98-.059 1.281-.073 1.689-.073 4.948 0 3.259.014 3.668.072 4.948.2 4.358 2.618 6.78 6.98 6.98 1.281.058 1.689.072 4.948.072 3.259 0 3.668-.014 4.948-.072 4.354-.2 6.782-2.618 6.979-6.98.059-1.28.073-1.689.073-4.948 0-3.259-.014-3.667-.072-4.947-.196-4.354-2.617-6.78-6.979-6.98-1.281-.059-1.69-.073-4.949-.073zm0 5.838c-3.403 0-6.162 2.759-6.162 6.162s2.759 6.163 6.162 6.163 6.162-2.759 6.162-6.163c0-3.403-2.759-6.162-6.162-6.162zm0 10.162c-2.209 0-4-1.79-4-4 0-2.209 1.791-4 4-4s4 1.791 4 4c0 2.21-1.791 4-4 4zm6.406-11.845c-.796 0-1.441.645-1.441 1.44s.645 1.44 1.441 1.44c.795 0 1.439-.645 1.439-1.44s-.644-1.44-1.439-1.44z"/></svg> 1102 <span style="font-size: 0.65rem; font-weight: 700; color: #64748B; margin-top: 4px;">Instagram</span> 1103 </div> 1104 <!-- +45 Badge --> 1105 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; align-items: center; justify-content: center; font-size: 1.15rem; font-weight: 900; color: #2563EB;"> 1106 +45 1107 </div> 1108 </div> 1109 </div> 1110 1111 <!-- Card 2: Señales Telco y Consumo --> 1112 <div style="background: #FFFFFF; border-radius: 18px; padding: 16px 18px; border: 1px solid #E2E8F0; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04);"> 1113 <div style="font-size: 0.88rem; font-weight: 800; color: #0F172A; margin-bottom: 12px;" data-i18n="score_riesgo_index.cf_tab2_cat2"> 1114 Señales Telco y Consumo 1115 </div> 1116 <div style="display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px;"> 1117 <!-- Telco --> 1118 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center;"> 1119 <svg width="22" height="22" viewBox="0 0 24 24" fill="#2563EB"><path d="M6.62 10.79c1.44 2.83 3.76 5.14 6.59 6.59l2.2-2.2c.27-.27.67-.36 1.02-.24 1.12.37 2.33.57 3.57.57.55 0 1 .45 1 1V20c0 .55-.45 1-1 1-9.39 0-17-7.61-17-17 0-.55.45-1 1-1h3.5c.55 0 1 .45 1 1 0 1.25.2 2.45.57 3.57.11.35.03.74-.25 1.02l-2.2 2.2z"/></svg>
1120 <span style="font-size: 0.65rem; font-weight: 700; color: #64748B; margin-top: 4px;">Telco</span> 1121 </div> 1122 <!-- Amazon --> 1123 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center;"> 1124 <svg width="22" height="22" viewBox="0 0 24 24" fill="#FF9900"><path d="M13.6 11.2c-.3 0-.6.1-.8.2s-.3.4-.3.7c0 .5.3.8.8.8.4 0 .8-.2 1.1-.5v-1.2h-.8zm-4.7-2.3c.7-.6 1.8-.9 3.2-.9 1.1 0 2 .2 2.6.7.7.5 1 1.2 1 2.2v5.4c0 .4.1.8.3 1.1h-2.1c-.1-.2-.2-.5-.2-.8-.4.4-.9.7-1.4.9-.5.2-1.1.3-1.8.3-.9 0-1.7-.3-2.3-.8-.6-.5-.9-1.2-.9-2.1 0-.9.4-1.6 1.1-2.1.7-.5 1.8-.8 3.2-.8h1.4v-.3c0-.4-.1-.8-.4-1-.3-.2-.7-.4-1.3-.4-.8 0-1.4.2-1.8.6l-1-1.3zM15.8 22.8c-2.3 1.2-5.4 1.7-8.1 1.7-4.1 0-7.8-1.5-10.4-4.1-.2-.2-.2-.5 0-.7.2-.2.5-.2.7 0 2.4 2.4 5.9 3.8 9.7 3.8 2.5 0 5.4-.5 7.6-1.6.2-.1.5 0 .6.2.2.2.1.5-.1.7z"/></svg> 1125 <span style="font-size: 0.65rem; font-weight: 700; color: #64748B; margin-top: 4px;">E-Comm</span> 1126 </div> 1127 <!-- Dispositivo --> 1128 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center;"> 1129 <svg width="22" height="22" viewBox="0 0 24 24" fill="#0F172A"><rect x="5" y="2" width="14" height="20" rx="3"/><line x1="12" y1="18" x2="12.01" y2="18" stroke="#FFFFFF" stroke-width="3" stroke-linecap="round"/></svg> 1130 <span style="font-size: 0.65rem; font-weight: 700; color: #64748B; margin-top: 4px;">Dispositivo</span> 1131 </div> 1132 <!-- +30 Badge --> 1133 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center; font-size: 1.15rem; font-weight: 900; color: #2563EB;"> 1134 +30 1135 </div> 1136 </div> 1137 </div> 1138 1139 <!-- Card 3: Suscripciones y Pagos --> 1140 <div style="background: #FFFFFF; border-radius: 18px; padding: 16px 18px; border: 1px solid #E2E8F0; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04);"> 1141 <div style="font-size: 0.88rem; font-weight: 800; color: #0F172A; margin-bottom: 12px;" data-i18n="score_riesgo_index.cf_tab2_cat3"> 1142 Suscripciones y Pagos 1143 </div> 1144 <div style="display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px;"> 1145 <!-- Netflix --> 1146 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center;"> 1147 <svg width="22" height="22" viewBox="0 0 24 24" fill="#E50914"><path d="M5.398 0v24l4.24-2.812V8.406L14.398 24h4.204V0h-4.204v15.594L9.638 0H5.398z"/></svg> 1148 <span style="font-size: 0.65rem; font-weight: 700; color: #64748B; margin-top: 4px;">Netflix</span> 1149 </div> 1150 <!-- Disney+ --> 1151 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center;"> 1152 <svg width="22" height="22" viewBox="0 0 24 24" fill="#113CCF"><path d="M12 2C6.48 2 2 6.48 2 12s4.48 10 10 10 10-4.48 10-10S17.52 2 12 2zm-1 14.5v-9l6 4.5-6 4.5z"/></svg> 1153 <span style="font-size: 0.65rem; font-weight: 700; color: #64748B; margin-top: 4px;">Disney+</span> 1154 </div> 1155 <!-- Spotify --> 1156 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center;"> 1157 <svg width="22" height="22" viewBox="0 0 24 24" fill="#1DB954"><path d="M12 0C5.373 0 0 5.373 0 12s5.373 12 12 12 12-5.373 12-12S18.627 0 12 0zm5.521 17.34c-.24.359-.66.48-1.021.24-2.82-1.74-6.36-2.101-10.561-1.141-.418.122-.779-.179-.899-.539-.12-.421.18-.78.54-.9 4.56-1.021 8.52-.6 11.64 1.32.42.18.479.659.301 1.02zm1.44-3.3c-.301.42-.841.6-1.262.3-3.239-1.98-8.159-2.58-11.939-1.38-.479.12-1.02-.12-1.14-.6-.12-.48.12-1.021.6-1.141 C9.6 9.9 15 10.561 18.72 12.84c.361.181.54.78.241 1.2zm.12-3.36C15.24 8.4 8.82 8.16 5.16 9.301c-.6.18-1.2-.18-1.38-.72-.18-.6.18-1.2.72-1.38 4.26-1.26 11.28-1.02 15.72 1.56.54.3.72 1.02.42 1.56-.3.42-1.02.6-1.56.36z"/></svg>
1158 <span style="font-size: 0.65rem; font-weight: 700; color: #64748B; margin-top: 4px;">Spotify</span> 1159 </div> 1160 <!-- +15 Badge --> 1161 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center; font-size: 1.15rem; font-weight: 900; color: #2563EB;"> 1162 +15 1163 </div> 1164 </div> 1165 </div> 1166 1167 <!-- Card 4: Buró, SAT, KYC e Identidad --> 1168 <div style="background: #FFFFFF; border-radius: 18px; padding: 16px 18px; border: 1px solid #E2E8F0; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04);"> 1169 <div style="font-size: 0.88rem; font-weight: 800; color: #0F172A; margin-bottom: 12px;" data-i18n="score_riesgo_index.cf_tab2_cat4"> 1170 Buró, SAT, KYC e Identidad 1171 </div> 1172 <div style="display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px;"> 1173 <!-- SAT --> 1174 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center;"> 1175 <span style="font-size: 0.72rem; font-weight: 900; color: #16A34A;">SAT</span> 1176 <span style="font-size: 0.65rem; font-weight: 700; color: #64748B; margin-top: 4px;">Fiscal</span> 1177 </div> 1178 <!-- KYC / INE --> 1179 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center;"> 1180 <span style="font-size: 0.72rem; font-weight: 900; color: #2563EB;">KYC</span> 1181 <span style="font-size: 0.65rem; font-weight: 700; color: #64748B; margin-top: 4px;">INE</span> 1182 </div> 1183 <!-- Buró --> 1184 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center;"> 1185 <span style="font-size: 0.72rem; font-weight: 900; color: #0F172A;">Buró</span> 1186 <span style="font-size: 0.65rem; font-weight: 700; color: #64748B; margin-top: 4px;">CÃrculo</span> 1187 </div> 1188 <!-- +60 Badge --> 1189 <div style="background: #F8FAFC; border: 1px solid #F1F5F9; border-radius: 12px; padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center; font-size: 1.15rem; font-weight: 900; color: #2563EB;"> 1190 +60 1191 </div> 1192 </div> 1193 </div> 1194 1195 </div> 1196 </div> 1197 1198 </div> 1199 1200 <!-- Content Below (Estructura y Texto Intactos) --> 1201 <div style="padding: 32px 32px 36px 32px;"> 1202 <h3 style="font-size: 1.3rem; font-weight: 800; color: #0F172A; margin-bottom: 12px; line-height: 1.3;" data-i18n="score_riesgo_index.cf_step2_title"> 1203 2. Enriquecimiento multifuente en milisegundos 1204 </h3> 1205 <p style="color: #475569; font-size: 0.98rem; line-height: 1.65; margin: 0;" data-i18n="score_riesgo_index.cf_step2_desc"> 1206 Finvero consulta y cruza automáticamente 9 familias de datos no tradicionales: señales Telco, comportamiento digital, reputación web, facturación fiscal SAT, geolocalización e identidad para construir el perfil del solicitante. 1207 </p> 1208 </div> 1209 </div> 1210 1211 <!-- Slide 3: Score y Dictamen --> 1212 <div style="width: 33.333333%; flex-shrink: 0; box-sizing: border-box;"> 1213 <div style="position: relative; width: 100%; height: 260px; overflow: hidden;"> 1214 <img src="/assets/img/v5/blog/Portada-blog_Score-crediticio_21-Agosto.jpg" alt="Score Crediticio e Inteligencia Artificial" style="width: 100%; height: 100%; object-fit: cover;" /> 1215 1216 </div> 1217 <div style="padding: 32px 32px 36px 32px;"> 1218 <h3 style="font-size: 1.3rem; font-weight: 800; color: #0F172A; margin-bottom: 12px; line-height: 1.3;"> 1219 3. Score y dictamen explicable en menos de 3 segundos 1220 </h3> 1221 <p style="color: #475569; font-size: 0.98rem; line-height: 1.65; margin: 0;"> 1222 El motor de Inteligencia Artificial procesa las variables y devuelve el puntaje numérico, la banda de riesgo y las principales razones de decisión explicables (SHAP) para aprobar automáticamente o agilizar la mesa de control. 1223 </p> 1224 </div> 1225 </div> 1226 1227 </div> 1228 </div> 1229 1230 <!-- Bottom Navigation Bar & Progress Indicator --> 1231 <div style="display: flex; align-items: center; justify-content: space-between; margin-top: 28px; gap: 20px;"> 1232 <!-- Progress Line --> 1233 <div style="flex-grow: 1; height: 5px; background: rgba(37, 99, 235, 0.15); border-radius: 4px; overflow: hidden;"> 1234 <div id="cfProgressBar" style="width: 33.333%; height: 100%; background: #2563EB; border-radius: 4px; transition: width 0.35s ease;"></div> 1235 </div> 1236 1237 <!-- Controls --> 1238 <div style="display: flex; items-center; gap: 12px; flex-shrink: 0;"> 1239 <button id="cfPrevBtn" type="button" onclick="prevCFStep()" aria-label="Paso Anterior" style="width: 46px; height: 44px; border-radius: 50%; background: #FFFFFF; border: 1px solid #CBD5E1; color: #0F172A; display: flex; align-items: center; justify-content: center; cursor: pointer; box-shadow: 0 4px 12px rgba(15, 23, 42, 0.08); transition: all 0.2s;"> 1240 <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="15 18 9 12 15 6"></polyline></svg> 1241 </button> 1242 <button id="cfNextBtn" type="button" onclick="nextCFStep()" aria-label="Paso Siguiente" style="width: 46px; height: 44px; border-radius: 50%; background: #FFFFFF; border: 1px solid #CBD5E1; color: #0F172A; display: flex; align-items: center; justify-content: center; cursor: pointer; box-shadow: 0 4px 12px rgba(15, 23, 42, 0.08); transition: all 0.2s;"> 1243 <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="9 18 15 12 9 6"></polyline></svg> 1244 </button> 1245 </div> 1246 </div> 1247 1248</div> 1249</section> 1250
1251<script> 1252let currentCFStep = 0; 1253const totalCFSteps = 3; 1254 1255function updateCFCarousel() { 1256 const track = document.getElementById('cfSliderTrack'); 1257 const progressBar = document.getElementById('cfProgressBar'); 1258 if (!track || !progressBar) return; 1259 1260 // Slide track 1261 track.style.transform = `translateX(-${currentCFStep * 33.333333}%)`; 1262 1263 // Update progress bar width 1264 const pct = ((currentCFStep + 1) / totalCFSteps) * 100; 1265 progressBar.style.width = pct + '%'; 1266 1267 // Update step pill tabs 1268 for (let i = 0; i < totalCFSteps; i++) { 1269 const tab = document.getElementById('cfTab' + (i + 1)); 1270 if (tab) { 1271 if (i === currentCFStep) { 1272 tab.style.background = '#2563EB'; 1273 tab.style.color = '#FFFFFF'; 1274 tab.style.border = 'none'; 1275 tab.style.boxShadow = '0 4px 12px rgba(37, 99, 235, 0.25)'; 1276 } else { 1277 tab.style.background = '#FFFFFF'; 1278 tab.style.color = '#64748B'; 1279 tab.style.border = '1px solid #E2E8F0'; 1280 tab.style.boxShadow = 'none'; 1281 } 1282 } 1283 } 1284} 1285 1286function goToCFStep(stepIndex) { 1287 currentCFStep = stepIndex; 1288 updateCFCarousel(); 1289} 1290 1291function nextCFStep() { 1292 currentCFStep = (currentCFStep + 1) % totalCFSteps; 1293 updateCFCarousel(); 1294} 1295 1296function prevCFStep() { 1297 currentCFStep = (currentCFStep - 1 + totalCFSteps) % totalCFSteps; 1298 updateCFCarousel(); 1299} 1300 1301document.addEventListener('DOMContentLoaded', updateCFCarousel); 1302</script>
1302 1303 1304<!-- EL RETO (5 Tarjetas en Diseño 3 + 2 de RiskSeal) --> 1305<section class="pymes-section-modern" style="background: #EEF4FF !important; padding-top: 60px; padding-bottom: 70px;"> 1306<div class="container"> 1307<h2 class="pymes-title-section text-center mb-2" style="color: #0F172A; font-weight: 800;" data-i18n="score_riesgo_index.reto_title">El Reto</h2> 1308<p class="pymes-subtitle-section text-center mb-5" style="color: #64748B;" data-i18n="score_riesgo_index.reto_subtitle">Tu polÃtica rechaza clientes sanos y no sabes cuántos</p> 1309 1310<!-- Top Row: 3 Cards --> 1311<div class="row g-4 justify-content-center mb-4"> 1312 1313 <!-- Card 1: Decisión crediticia --> 1314 <div class="col-lg-4 col-md-6 col-12"> 1315 <div style="background: #FFFFFF; border-radius: 20px; padding: 28px; border: 1px solid #E2E8F0; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04); height: 100%; display: flex; flex-direction: column; justify-content: space-between;"> 1316 <div> 1317 <div style="display: flex; align-items: center; gap: 12px; margin-bottom: 14px;"> 1318 <div style="width: 38px; height: 38px; border-radius: 10px; border: 1.5px solid #0F172A; display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0;"> 1319 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#0F172A" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z"></path></svg> 1320 </div> 1321 <h3 style="font-size: 1.1rem; font-weight: 700; color: #0F172A; margin: 0; line-height: 1.3;">Decisión crediticia</h3> 1322 </div> 1323 <p style="color: #64748B; font-size: 0.9rem; line-height: 1.5; margin-bottom: 20px;"> 1324 Potencia tu score con señales de huella digital local más allá de los datos tradicionales de buró. 1325 </p> 1326 </div> 1327 1328 <div style="display: flex; flex-direction: column; gap: 8px;"> 1329 <div style="display: flex; align-items: center; gap: 10px;"> 1330 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg> 1331 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Cobertura de perfil sin historial</span> 1332 </div> 1333 <div style="display: flex; align-items: center; gap: 10px;"> 1334 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg> 1335 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Scoring para no bancarizados</span> 1336 </div> 1337 <div style="display: flex; align-items: center; gap: 10px;"> 1338 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg> 1339 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Elevación no correlacionada de Gini</span> 1340 </div> 1341 </div> 1342 </div> 1343 </div> 1344 1345 <!-- Card 2: Reducción de mora --> 1346 <div class="col-lg-4 col-md-6 col-12"> 1347 <div style="background: #FFFFFF; border-radius: 20px; padding: 28px; border: 1px solid #E2E8F0; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04); height: 100%; display: flex; flex-direction: column; justify-content: space-between;"> 1348 <div> 1349 <div style="display: flex; align-items: center; gap: 12px; margin-bottom: 14px;"> 1350 <div style="width: 38px; height: 38px; border-radius: 10px; border: 1.5px solid #0F172A; display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0;"> 1351 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#0F172A" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><polyline points="23 18 13.5 8.5 8.5 13 1 8"></polyline><polyline points="17 18 23 18 23 12"></polyline></svg> 1352 </div> 1353 <h3 style="font-size: 1.1rem; font-weight: 700; color: #0F172A; margin: 0; line-height: 1.3;">Reducción de mora</h3> 1354 </div> 1355 <p style="color: #64748B; font-size: 0.9rem; line-height: 1.5; margin-bottom: 20px;">
1356 Añade señales de comportamiento en tiempo real para identificar perfiles de alto riesgo antes del desembolso. 1357 </p> 1358 </div> 1359 1360 <div style="display: flex; flex-direction: column; gap: 8px;"> 1361 <div style="display: flex; align-items: center; gap: 10px;"> 1362 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg> 1363 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Hasta 25% menos impagos</span> 1364 </div> 1365 <div style="display: flex; align-items: center; gap: 10px;"> 1366 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg> 1367 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Mayor precisión en segmentación</span> 1368 </div> 1369 <div style="display: flex; align-items: center; gap: 10px;"> 1370 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg> 1371 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Detección temprana de riesgo</span> 1372 </div> 1373 </div> 1374 </div> 1375 </div> 1376 1377 <!-- Card 3: Detección de fraude --> 1378 <div class="col-lg-4 col-md-6 col-12"> 1379 <div style="background: #FFFFFF; border-radius: 20px; padding: 28px; border: 1px solid #E2E8F0; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04); height: 100%; display: flex; flex-direction: column; justify-content: space-between;"> 1380 <div> 1381 <div style="display: flex; align-items: center; gap: 12px; margin-bottom: 14px;"> 1382 <div style="width: 38px; height: 38px; border-radius: 10px; border: 1.5px solid #0F172A; display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0;"> 1383 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#0F172A" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z"></path><path d="m9 12 2 2 4-4"></path></svg> 1384 </div> 1385 <h3 style="font-size: 1.1rem; font-weight: 700; color: #0F172A; margin: 0; line-height: 1.3;">Detección de fraude</h3> 1386 </div> 1387 <p style="color: #64748B; font-size: 0.9rem; line-height: 1.5; margin-bottom: 20px;"> 1388 Utiliza inteligencia de email y teléfono para separar identidades reales de perfiles fabricados. 1389 </p> 1390 </div> 1391 1392 <div style="display: flex; flex-direction: column; gap: 8px;"> 1393 <div style="display: flex; align-items: center; gap: 10px;"> 1394 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg> 1395 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Detección de identidades sintéticas</span> 1396 </div> 1397 <div style="display: flex; align-items: center; gap: 10px;"> 1398 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg> 1399 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Detección de amenazas avanzadas</span> 1400 </div> 1401 <div style="display: flex; align-items: center; gap: 10px;"> 1402 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg> 1403 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Menor fraude en el onboarding</span> 1404 </div> 1405 </div> 1406 </div> 1407 </div> 1408 1409</div> 1410 1411 1412<!-- Diagrama Interactivo de Inteligencia de Riesgo (Estilo RiskSeal 3 Capas) --> 1413<div class="row justify-content-center mt-5"> 1414 <div class="col-12 text-center mb-4"> 1415 <h3 style="color: #0F172A; font-weight: 800; font-size: 1.4rem;">Evaluación Multifuente en Tiempo Real</h3> 1416 <p style="color: #64748B; font-size: 0.95rem; margin: 0;">Integración de datos alternativos y cálculo de score instantáneo</p> 1417 </div> 1418 <div class="col-lg-10 col-12"> 1419 1420 <div style="position: relative; width: 100%; max-width: 680px; margin: 0 auto; min-height: 420px; text-align: left;"> 1421 1422 <!-- Main Card 1 (Left Back Card: Data Sources) --> 1423 <div style="background: #FFFFFF; border-radius: 20px; padding: 24px; box-shadow: 0 10px 30px rgba(15,23,42,0.08); width: 62%; border: 1px solid #E2E8F0; position: absolute; left: 0; top: 10px; z-index: 1;"> 1424 <div style="display: flex; align-items: center; gap: 10px; margin-bottom: 16px;"> 1425 <div style="background: #2563EB; width: 32px; height: 32px; border-radius: 8px; display: flex; align-items: center; justify-content: center; color: white;"> 1426 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="M16 3h5v5M4 20L21 3M21 16v5h-5M15 15l6 6M4 4l5 5"/></svg> 1427 </div>
1428 <span style="font-weight: 700; color: #0F172A; font-size: 0.98rem;">Fuentes de Datos</span> 1429 </div> 1430 1431 <div style="display: flex; flex-direction: column; gap: 9px; font-size: 0.84rem;"> 1432 <div style="display: flex; justify-content: space-between; align-items: center; border-bottom: 1px solid #F1F5F9; padding-bottom: 6px;"> 1433 <span style="font-weight: 600; color: #1E293B;">Telco & Roaming</span> 1434 <span style="background: #DCFCE7; color: #15803D; font-size: 0.72rem; padding: 2px 8px; border-radius: 12px; font-weight: 600;">â Activo</span> 1435 </div> 1436 <div style="display: flex; justify-content: space-between; align-items: center; border-bottom: 1px solid #F1F5F9; padding-bottom: 6px;"> 1437 <span style="font-weight: 600; color: #1E293B;">Dispositivo & IP</span> 1438 <span style="background: #DCFCE7; color: #15803D; font-size: 0.72rem; padding: 2px 8px; border-radius: 12px; font-weight: 600;">â Activo</span> 1439 </div> 1440 <div style="display: flex; justify-content: space-between; align-items: center; border-bottom: 1px solid #F1F5F9; padding-bottom: 6px;"> 1441 <span style="font-weight: 600; color: #1E293B;">Buró / CÃrculo</span> 1442 <span style="background: #FEE2E2; color: #B91C1C; font-size: 0.72rem; padding: 2px 8px; border-radius: 12px; font-weight: 600;">â NoHit</span> 1443 </div> 1444 <div style="display: flex; justify-content: space-between; align-items: center; border-bottom: 1px solid #F1F5F9; padding-bottom: 6px;"> 1445 <span style="font-weight: 600; color: #1E293B;">SAT / Ingresos</span> 1446 <span style="background: #DCFCE7; color: #15803D; font-size: 0.72rem; padding: 2px 8px; border-radius: 12px; font-weight: 600;">â Válido</span> 1447 </div> 1448 <div style="display: flex; justify-content: space-between; align-items: center; border-bottom: 1px solid #F1F5F9; padding-bottom: 6px;"> 1449 <span style="font-weight: 600; color: #1E293B;">Email & Digital</span> 1450 <span style="background: #DCFCE7; color: #15803D; font-size: 0.72rem; padding: 2px 8px; border-radius: 12px; font-weight: 600;">â Activo</span> 1451 </div> 1452 <div style="display: flex; justify-content: space-between; align-items: center; border-bottom: 1px solid #F1F5F9; padding-bottom: 6px;"> 1453 <span style="font-weight: 600; color: #1E293B;">Geolocalización</span> 1454 <span style="background: #DCFCE7; color: #15803D; font-size: 0.72rem; padding: 2px 8px; border-radius: 12px; font-weight: 600;">â Activo</span> 1455 </div> 1456 <div style="display: flex; justify-content: space-between; align-items: center;"> 1457 <span style="font-weight: 600; color: #1E293B;">
1457Reputación Web</span> 1458 <span style="background: #DCFCE7; color: #15803D; font-size: 0.72rem; padding: 2px 8px; border-radius: 12px; font-weight: 600;">â Activo</span> 1459 </div> 1460 </div> 1461 </div> 1462 1463 <!-- Card 2 (Top Right Overlay Card: Profile) --> 1464 <div style="background: #FFFFFF; border-radius: 20px; padding: 20px; box-shadow: 0 12px 35px rgba(15,23,42,0.12); width: 48%; border: 1px solid #E2E8F0; position: absolute; right: 0; top: 0; z-index: 2; text-align: center;"> 1465 <div style="position: relative; width: 64px; height: 64px; margin: 0 auto 10px;"> 1466 <img src="/assets/img/v5/score-riesgo/solicitante_persona.png" alt="Solicitante" style="width: 100%; height: 100%; border-radius: 50%; object-fit: cover; border: 2px solid #2563EB;" /> 1467 <span style="position: absolute; bottom: 0; right: 0; background: #2563EB; color: white; border-radius: 50%; width: 20px; height: 20px; display: flex; align-items: center; justify-content: center; font-size: 11px; font-weight: 800;">â</span> 1468 </div> 1469 <div style="font-weight: 700; color: #0F172A; font-size: 0.95rem;">Solicitante NoHit</div> 1470 <div style="color: #64748B; font-size: 0.78rem; margin-bottom: 12px;">ð CDMX, México</div> 1471 1472 <div style="background: #F8FAFC; border-radius: 10px; padding: 8px 12px; text-align: left; font-size: 0.78rem; display: flex; flex-direction: column; gap: 4px;"> 1473 <div style="display: flex; justify-content: space-between;"> 1474 <span style="color: #64748B;">Dispositivo:</span> 1475 <span style="font-weight: 600; color: #1E293B;">iPhone 15</span> 1476 </div> 1477 <div style="display: flex; justify-content: space-between;"> 1478 <span style="color: #64748B;">Email Age:</span> 1479 <span style="font-weight: 600; color: #1E293B;">> 3.5 años</span> 1480 </div> 1481 <div style="display: flex; justify-content: space-between;"> 1482 <span style="color: #64748B;">Score Riesgo:</span> 1483 <span style="font-weight: 700; color: #16A34A;">742 (Aprobado)</span> 1484 </div> 1485 </div> 1486 </div> 1487 1488 <!-- Card 3 (Bottom Right Overlay Card: Performance Chart / ROI) --> 1489 <div style="background: #FFFFFF; border-radius: 20px; padding: 18px 20px; box-shadow: 0 12px 35px rgba(15,23,42,0.12); width: 48%; border: 1px solid #E2E8F0; position: absolute; right: 0; bottom: 10px; z-index: 3;"> 1490 <div style="display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px;"> 1491 <span style="font-weight: 800; color: #0F172A; font-size: 0.95rem;">Rendimiento KS</span> 1492 <span style="background: #DCFCE7; color: #15803D; font-weight: 700; font-size: 0.72rem; padding: 2px 8px; border-radius: 12px;">+45% Aprobado</span> 1493 </div> 1494 1495 <!-- SVG Line Chart Curve --> 1496 <svg viewBox="0 0 200 55" style="width: 100%; height: 45px; overflow: visible;"> 1497 <path d="M 0 45 Q 40 40, 70 30 T 140 18 T 200 6" fill="none" stroke="#2563EB" stroke-width="3" stroke-linecap="round" /> 1498 <circle cx="140" cy="18" r="4" fill="#FFFFFF" stroke="#2563EB" stroke-width="3" /> 1499 </svg> 1500 1501 <div style="display: flex; justify-content: space-between; margin-top: 6px; font-size: 0.72rem; color: #64748B; font-weight: 600;"> 1502 <span>KS: 46%</span> 1503 <span>ROC: 84%</span> 1504 </div> 1505 </div> 1506 1507 </div> 1508 1509 </div> 1510</div> 1511<!-- Bottom Row: 2 Cards Centered --> 1512<div class="row g-4 justify-content-center"> 1513 1514 <!-- Card 4: Gestión de cobranza --> 1515 <div class="col-lg-4 col-md-6 col-12"> 1516 <div style="background: #FFFFFF; border-radius: 20px; padding: 28px; border: 1px solid #E2E8F0; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04); height: 100%; display: flex; flex-direction: column; justify-content: space-between;"> 1517 <div> 1518 <div style="display: flex; align-items: center; gap: 12px; margin-bottom: 14px;"> 1519 <div style="width: 38px; height: 38px; border-radius: 10px; border: 1.5px solid #0F172A; display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0;"> 1520 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#0F172A" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><path d="M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z"></path><polyline points="14 2 14 8 20 8"></polyline><line x1="16" y1="13" x2="8" y2="13"></line><line x1="16" y1="17" x2="8" y2="17"></line></svg> 1521 </div> 1522 <h3 style="font-size: 1.1rem; font-weight: 700; color: #0F172A; margin: 0; line-height: 1.3;">Gestión de cobranza</h3> 1523 </div> 1524 <p style="color: #64748B; font-size: 0.9rem; line-height: 1.5; margin-bottom: 20px;"> 1525 Aplica datos de huella digital para priorizar la estrategia de cobro y contactar prestatarios más rápido. 1526 </p> 1527 </div> 1528 1529 <div style="display: flex; flex-direction: column; gap: 8px;"> 1530 <div style="display: flex; align-items: center; gap: 10px;"> 1531 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg>
1532 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Mayores tasas de recuperación</span> 1533 </div> 1534 <div style="display: flex; align-items: center; gap: 10px;"> 1535 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg> 1536 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Menores costos operativos de cobro</span> 1537 </div> 1538 <div style="display: flex; align-items: center; gap: 10px;"> 1539 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg> 1540 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Contacto enfocado en prestatarios ubicables</span> 1541 </div> 1542 </div> 1543 </div> 1544 </div> 1545 1546 <!-- Card 5: Inteligencia de identidad digital --> 1547 <div class="col-lg-4 col-md-6 col-12"> 1548 <div style="background: #FFFFFF; border-radius: 20px; padding: 28px; border: 1px solid #E2E8F0; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04); height: 100%; display: flex; flex-direction: column; justify-content: space-between;"> 1549 <div> 1550 <div style="display: flex; align-items: center; gap: 12px; margin-bottom: 14px;"> 1551 <div style="width: 38px; height: 38px; border-radius: 10px; border: 1.5px solid #0F172A; display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0;"> 1552 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#0F172A" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><path d="M12 2a10 10 0 1 0 10 10A10 10 0 0 0 12 2zm0 18a8 8 0 1 1 8-8 8 8 0 0 1-8 8z"></path><path d="M12 6a4 4 0 1 0 4 4 4 4 0 0 0-4-4z"></path></svg> 1553 </div> 1554 <h3 style="font-size: 1.1rem; font-weight: 700; color: #0F172A; margin: 0; line-height: 1.3;">Identidad digital</h3> 1555 </div> 1556 <p style="color: #64748B; font-size: 0.9rem; line-height: 1.5; margin-bottom: 20px;"> 1557 Ve más allá de la verificación de documentos tradicional con validación de identidad basada en IA. 1558 </p> 1559 </div> 1560 1561 <div style="display: flex; flex-direction: column; gap: 8px;"> 1562 <div style="display: flex; align-items: center; gap: 10px;"> 1563 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg> 1564 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Validación facial e biometrÃa</span> 1565 </div> 1566 <div style="display: flex; align-items: center; gap: 10px;"> 1567 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg> 1568 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Coincidencia de nombre cross-platform</span> 1569 </div> 1570 <div style="display: flex; align-items: center; gap: 10px;"> 1571 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round" style="flex-shrink: 0;"><polyline points="20 6 9 17 4 12"></polyline></svg> 1572 <span style="color: #334155; font-weight: 600; font-size: 0.88rem;">Consistencia geográfica e IP</span> 1573 </div> 1574 </div> 1575 </div> 1576 </div> 1577 1578</div> 1579 1580</div> 1581</section> 1582 1583 1584 1585 1586<!-- LO QUE GANA TU OPERACIÃN (Layout idéntico a finanzas-pay con tarjetas limpias) --> 1587<section class="pymes-section-modern fv-clean-benefits-section"> 1588<div class="container score-riesgo-container-max"> 1589<h2 class="pymes-title-section text-center mb-2" data-i18n="score_riesgo_index.benefits_title">Lo que Gana Tu Operación</h2> 1590<p class="pymes-subtitle-section text-center mb-5" data-i18n="score_riesgo_index.benefits_sub">Métricas de impacto directo en la rentabilidad y velocidad de tu originación</p> 1591 1592<div class="fv-clean-benefits-grid fv-clean-benefits-grid--2col"> 1593 1594 <!-- Card 1: Colocas más sin bajar el estándar --> 1595 <div class="fv-clean-benefit-card"> 1596 <div class="fv-clean-benefit-icon"> 1597 <svg width="32" height="32" viewBox="0 0 24 24" fill="none" stroke="#2563EB" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"> 1598 <polyline points="23 6 13.5 15.5 8.5 10.5 1 18"></polyline> 1599 <polyline points="17 6 23 6 23 12"></polyline> 1600 </svg> 1601 </div> 1602 <h3 class="fv-clean-benefit-title" data-i18n="score_riesgo_index.benefit_1_title">Colocas más sin bajar el estándar</h3> 1603 <p class="fv-clean-benefit-desc mb-3" data-i18n="score_riesgo_index.benefit_1_desc"> 1604 Apruebas solicitudes que hoy se caen por falta de datos, sin mover tu apetito de riesgo. 1605 </p> 1606 1607 <div class="fv-risk-checklist mt-auto pt-2"> 1608 <div class="fv-risk-checklist-item"> 1609 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg>
1610 <span class="fv-risk-checklist-text" data-i18n="score_riesgo_index.benefit_1_bullet_1">+25% a 45% en aprobación crediticia</span> 1611 </div> 1612 <div class="fv-risk-checklist-item"> 1613 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1614 <span class="fv-risk-checklist-text" data-i18n="score_riesgo_index.benefit_1_bullet_2">Cobertura de perfiles sin historial</span> 1615 </div> 1616 <div class="fv-risk-checklist-item"> 1617 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1618 <span class="fv-risk-checklist-text" data-i18n="score_riesgo_index.benefit_1_bullet_3">Sin alterar polÃtica ni apetito de riesgo</span> 1619 </div> 1620 </div> 1621 </div> 1622 1623 <!-- Card 2: Mides antes de mover la polÃtica --> 1624 <div class="fv-clean-benefit-card"> 1625 <div class="fv-clean-benefit-icon"> 1626 <svg width="32" height="32" viewBox="0 0 24 24" fill="none" stroke="#2563EB" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"> 1627 <path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z"></path> 1628 </svg> 1629 </div> 1630 <h3 class="fv-clean-benefit-title" data-i18n="score_riesgo_index.benefit_2_title">Mides antes de mover la polÃtica</h3> 1631 <p class="fv-clean-benefit-desc mb-3" data-i18n="score_riesgo_index.benefit_2_desc"> 1632 Comparas modelos en producción con champion/challenger para tomar decisiones basadas en evidencia. 1633 </p> 1634 1635 <div class="fv-risk-checklist mt-auto pt-2"> 1636 <div class="fv-risk-checklist-item"> 1637 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1638 <span class="fv-risk-checklist-text" data-i18n="score_riesgo_index.benefit_2_bullet_1">Comparación Champion/Challenger</span> 1639 </div> 1640 <div class="fv-risk-checklist-item"> 1641 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1642 <span class="fv-risk-checklist-text" data-i18n="score_riesgo_index.benefit_2_bullet_2">Tasa de mora bajo control (6.8%)</span> 1643 </div> 1644 <div class="fv-risk-checklist-item"> 1645 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1646 <span class="fv-risk-checklist-text" data-i18n="score_riesgo_index.benefit_2_bullet_3">Simulación con datos históricos reales</span> 1647 </div> 1648 </div> 1649 </div> 1650 1651 <!-- Card 3: Menos revisión manual --> 1652 <div class="fv-clean-benefit-card"> 1653 <div class="fv-clean-benefit-icon"> 1654 <svg width="32" height="32" viewBox="0 0 24 24" fill="none" stroke="#2563EB" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"> 1655 <circle cx="12" cy="12" r="10"></circle> 1656 <polyline points="12 6 12 12 16 14"></polyline> 1657 </svg> 1658 </div> 1659 <h3 class="fv-clean-benefit-title" data-i18n="score_riesgo_index.benefit_3_title">Menos revisión manual</h3> 1660 <p class="fv-clean-benefit-desc mb-3" data-i18n="score_riesgo_index.benefit_3_desc"> 1661 La decisión y sus razones llegan en segundos para optimizar y agilizar tu mesa de control. 1662 </p> 1663 1664 <div class="fv-risk-checklist mt-auto pt-2"> 1665 <div class="fv-risk-checklist-item"> 1666 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1667 <span class="fv-risk-checklist-text" data-i18n="score_riesgo_index.benefit_3_bullet_1">Cálculo de score en menos de 3 segundos</span> 1668 </div> 1669 <div class="fv-risk-checklist-item"> 1670 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg>
1671 <span class="fv-risk-checklist-text" data-i18n="score_riesgo_index.benefit_3_bullet_2">Reglas de decisión totalmente explicables</span> 1672 </div> 1673 <div class="fv-risk-checklist-item"> 1674 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1675 <span class="fv-risk-checklist-text" data-i18n="score_riesgo_index.benefit_3_bullet_3">Automatización de dictamen hasta 85%</span> 1676 </div> 1677 </div> 1678 </div> 1679 1680 <!-- Card 4: Una sola integración --> 1681 <div class="fv-clean-benefit-card"> 1682 <div class="fv-clean-benefit-icon"> 1683 <svg width="32" height="32" viewBox="0 0 24 24" fill="none" stroke="#2563EB" stroke-width="1.8" stroke-linecap="round" stroke-linejoin="round"> 1684 <path d="M10 13a5 5 0 0 0 7.54.54l3-3a5 5 0 0 0-7.07-7.07l-1.72 1.71"></path> 1685 <path d="M14 11a5 5 0 0 0-7.54-.54l-3 3a5 5 0 0 0 7.07 7.07l1.71-1.71"></path> 1686 </svg> 1687 </div> 1688 <h3 class="fv-clean-benefit-title" data-i18n="score_riesgo_index.benefit_4_title">Una sola integración</h3> 1689 <p class="fv-clean-benefit-desc mb-3" data-i18n="score_riesgo_index.benefit_4_desc"> 1690 Una integración vÃa API REST reemplaza la gestión individual de múltiples proveedores de datos. 1691 </p> 1692 1693 <div class="fv-risk-checklist mt-auto pt-2"> 1694 <div class="fv-risk-checklist-item"> 1695 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1696 <span class="fv-risk-checklist-text" data-i18n="score_riesgo_index.benefit_4_bullet_1">Conexión única para 9 familias de datos</span> 1697 </div> 1698 <div class="fv-risk-checklist-item"> 1699 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1700 <span class="fv-risk-checklist-text" data-i18n="score_riesgo_index.benefit_4_bullet_2">Estandarización de esquema de variables</span> 1701 </div> 1702 <div class="fv-risk-checklist-item"> 1703 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#10B981" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1704 <span class="fv-risk-checklist-text" data-i18n="score_riesgo_index.benefit_4_bullet_3">Ahorro directo en costos de TI y desarrollo</span> 1705 </div> 1706 </div> 1707 </div> 1708 1709</div> 1710</div> 1711</section> 1712 1713<!-- TABLA COMPARATIVA (Diseño RiskSeal) --> 1714<section class="pymes-section-modern" style="padding-top: 60px; padding-bottom: 70px;"> 1715<div class="container"> 1716<h2 class="pymes-title-section text-center mb-2" style="color: #0F172A; font-weight: 800;" data-i18n="score_riesgo_index.table_title">Dónde Termina un Proveedor de Datos y Empieza Finvero</h2> 1717<p class="pymes-subtitle-section text-center mb-5" style="color: #64748B;">Comparativa de alcance funcional entre alternativas tradicionales y la arquitectura de Finvero</p> 1718 1719<div style="background: #FFFFFF; border-radius: 24px; padding: 12px; border: 1px solid #E2E8F0; box-shadow: 0 8px 30px rgba(15, 23, 42, 0.05); overflow-x: auto; max-width: 1040px; margin: 0 auto;"> 1720 <table style="width: 100%; border-collapse: separate; border-spacing: 0; text-align: left;"> 1721 <thead> 1722 <tr style="background: #F8FAFC;"> 1723 <th style="padding: 18px 24px; color: #0F172A; font-weight: 800; font-size: 0.92rem; border-bottom: 2px solid #E2E8F0; border-top-left-radius: 16px;" data-i18n="score_riesgo_index.table_th_capacity">Capacidad</th> 1724 <th style="padding: 18px 20px; color: #64748B; font-weight: 700; font-size: 0.88rem; border-bottom: 2px solid #E2E8F0; text-align: center;" data-i18n="score_riesgo_index.table_th_buros">Burós</th> 1725 <th style="padding: 18px 20px; color: #64748B; font-weight: 700; font-size: 0.88rem; border-bottom: 2px solid #E2E8F0; text-align: center;" data-i18n="score_riesgo_index.table_th_open_banking">Open Banking</th> 1726 <th style="padding: 18px 20px; color: #64748B; font-weight: 700; font-size: 0.88rem; border-bottom: 2px solid #E2E8F0; text-align: center;" data-i18n="score_riesgo_index.table_th_score_vendors">Proveedores de Score</th> 1727 <th style="padding: 18px 24px; color: #2563EB; font-weight: 800; font-size: 0.95rem; border-bottom: 2px solid #2563EB; background: #EFF6FF; text-align: center; border-top-right-radius: 16px;" data-i18n="score_riesgo_index.table_th_finvero">Finvero</th> 1728 </tr> 1729 </thead> 1730 <tbody> 1731 1732 <!-- Row 1 --> 1733 <tr> 1734 <td style="padding: 20px 24px; color: #0F172A; font-weight: 700; font-size: 0.95rem; border-bottom: 1px solid #F1F5F9;" data-i18n="score_riesgo_index.table_row_1_cap">Data alternativa multifuente</td> 1735 <td style="padding: 20px; text-align: center; border-bottom: 1px solid #F1F5F9;">
1736 <span style="background: #FEF3C7; color: #B45309; padding: 6px 14px; border-radius: 20px; font-weight: 700; font-size: 0.8rem; display: inline-flex; align-items: center; gap: 4px;" data-i18n="score_riesgo_index.table_row_1_buros">! Parcial</span> 1737 </td> 1738 <td style="padding: 20px; text-align: center; border-bottom: 1px solid #F1F5F9;"> 1739 <span style="background: #FEF3C7; color: #B45309; padding: 6px 14px; border-radius: 20px; font-weight: 700; font-size: 0.8rem; display: inline-flex; align-items: center; gap: 4px;" data-i18n="score_riesgo_index.table_row_1_ob">! Solo bancaria</span> 1740 </td> 1741 <td style="padding: 20px; text-align: center; border-bottom: 1px solid #F1F5F9;"> 1742 <span style="background: #FEF3C7; color: #B45309; padding: 6px 14px; border-radius: 20px; font-weight: 700; font-size: 0.8rem; display: inline-flex; align-items: center; gap: 4px;" data-i18n="score_riesgo_index.table_row_1_sv">! Parcial</span> 1743 </td> 1744 <td style="padding: 20px 24px; text-align: center; border-bottom: 1px solid #F1F5F9; background: #F8FAFC;"> 1745 <span style="background: #DCFCE7; color: #15803D; padding: 6px 16px; border-radius: 20px; font-weight: 700; font-size: 0.84rem; display: inline-flex; align-items: center; gap: 6px;" data-i18n="score_riesgo_index.table_row_1_fv">â 9 familias</span> 1746 </td> 1747 </tr> 1748 1749 <!-- Row 2 --> 1750 <tr> 1751 <td style="padding: 20px 24px; color: #0F172A; font-weight: 700; font-size: 0.95rem; border-bottom: 1px solid #F1F5F9;" data-i18n="score_riesgo_index.table_row_2_cap">Score para thin-file y no bancarizados</td> 1752 <td style="padding: 20px; text-align: center; border-bottom: 1px solid #F1F5F9;"> 1753 <span style="background: #FEE2E2; color: #B91C1C; padding: 6px 14px; border-radius: 20px; font-weight: 700; font-size: 0.8rem; display: inline-flex; align-items: center; gap: 4px;" data-i18n="score_riesgo_index.table_row_2_buros">â No</span> 1754 </td> 1755 <td style="padding: 20px; text-align: center; border-bottom: 1px solid #F1F5F9;"> 1756 <span style="background: #FEE2E2; color: #B91C1C; padding: 6px 14px; border-radius: 20px; font-weight: 700; font-size: 0.8rem; display: inline-flex; align-items: center; gap: 4px;" data-i18n="score_riesgo_index.table_row_2_ob">â No</span> 1757 </td> 1758 <td style="padding: 20px; text-align: center; border-bottom: 1px solid #F1F5F9;"> 1759 <span style="background: #FEF3C7; color: #B45309; padding: 6px 14px; border-radius: 20px; font-weight: 700; font-size: 0.8rem; display: inline-flex; align-items: center; gap: 4px;" data-i18n="score_riesgo_index.table_row_2_sv">! Parcial</span> 1760 </td> 1761 <td style="padding: 20px 24px; text-align: center; border-bottom: 1px solid #F1F5F9; background: #F8FAFC;"> 1762 <span style="background: #DCFCE7; color: #15803D; padding: 6px 16px; border-radius: 20px; font-weight: 700; font-size: 0.84rem; display: inline-flex; align-items: center; gap: 6px;" data-i18n="score_riesgo_index.table_row_2_fv">â KS 46% · ROC 84%</span> 1763 </td> 1764 </tr> 1765 1766 <!-- Row 3 --> 1767 <tr> 1768 <td style="padding: 20px 24px; color: #0F172A; font-weight: 700; font-size: 0.95rem; border-bottom: 1px solid #F1F5F9;" data-i18n="score_riesgo_index.table_row_3_cap">Champion/challenger en producción</td> 1769 <td style="padding: 20px; text-align: center; border-bottom: 1px solid #F1F5F9;"> 1770 <span style="background: #FEE2E2; color: #B91C1C; padding: 6px 14px; border-radius: 20px; font-weight: 700; font-size: 0.8rem; display: inline-flex; align-items: center; gap: 4px;" data-i18n="score_riesgo_index.table_row_3_buros">â No</span> 1771 </td> 1772 <td style="padding: 20px; text-align: center; border-bottom: 1px solid #F1F5F9;"> 1773 <span style="background: #FEE2E2; color: #B91C1C; padding: 6px 14px; border-radius: 20px; font-weight: 700; font-size: 0.8rem; display: inline-flex; align-items: center; gap: 4px;" data-i18n="score_riesgo_index.table_row_3_ob">â No</span> 1774 </td> 1775 <td style="padding: 20px; text-align: center; border-bottom: 1px solid #F1F5F9;">
1776 <span style="background: #FEF3C7; color: #B45309; padding: 6px 14px; border-radius: 20px; font-weight: 700; font-size: 0.8rem; display: inline-flex; align-items: center; gap: 4px;" data-i18n="score_riesgo_index.table_row_3_sv">! Parcial</span> 1777 </td> 1778 <td style="padding: 20px 24px; text-align: center; border-bottom: 1px solid #F1F5F9; background: #F8FAFC;"> 1779 <span style="background: #DCFCE7; color: #15803D; padding: 6px 16px; border-radius: 20px; font-weight: 700; font-size: 0.84rem; display: inline-flex; align-items: center; gap: 6px;" data-i18n="score_riesgo_index.table_row_3_fv">â SÃ</span> 1780 </td> 1781 </tr> 1782 1783 <!-- Row 4 --> 1784 <tr> 1785 <td style="padding: 20px 24px; color: #0F172A; font-weight: 700; font-size: 0.95rem;" data-i18n="score_riesgo_index.table_row_4_cap">Originación â score â cobranza</td> 1786 <td style="padding: 20px; text-align: center;"> 1787 <span style="background: #FEE2E2; color: #B91C1C; padding: 6px 14px; border-radius: 20px; font-weight: 700; font-size: 0.8rem; display: inline-flex; align-items: center; gap: 4px;" data-i18n="score_riesgo_index.table_row_4_buros">â No</span> 1788 </td> 1789 <td style="padding: 20px; text-align: center;"> 1790 <span style="background: #FEE2E2; color: #B91C1C; padding: 6px 14px; border-radius: 20px; font-weight: 700; font-size: 0.8rem; display: inline-flex; align-items: center; gap: 4px;" data-i18n="score_riesgo_index.table_row_4_ob">â No</span> 1791 </td> 1792 <td style="padding: 20px; text-align: center;"> 1793 <span style="background: #FEE2E2; color: #B91C1C; padding: 6px 14px; border-radius: 20px; font-weight: 700; font-size: 0.8rem; display: inline-flex; align-items: center; gap: 4px;" data-i18n="score_riesgo_index.table_row_4_sv">â No</span> 1794 </td> 1795 <td style="padding: 20px 24px; text-align: center; background: #F8FAFC;"> 1796 <span style="background: #DCFCE7; color: #15803D; padding: 6px 16px; border-radius: 20px; font-weight: 700; font-size: 0.84rem; display: inline-flex; align-items: center; gap: 6px;" data-i18n="score_riesgo_index.table_row_4_fv">â Una integración</span> 1797 </td> 1798 </tr> 1799 1800 </tbody> 1801 </table> 1802</div> 1803 1804</div> 1805</section> 1806 1807<!-- QUIÃN LO USA (Diseño RiskSeal Split Layout en Fondo Blanco) --> 1808<section class="pymes-section-modern" style="background: #FFFFFF !important; padding-top: 75px; padding-bottom: 85px;"> 1809<div class="container" style="max-width: 1140px;"> 1810 1811 <div class="row align-items-center g-5"> 1812 1813 <!-- Left Column: Copy & Checklist --> 1814 <div class="col-lg-6 col-12"> 1815 <h2 style="font-size: 2.2rem; font-weight: 800; color: #0F172A; margin-bottom: 16px; line-height: 1.25;" data-i18n="score_riesgo_index.who_uses_title"> 1816 Quién Lo Usa 1817 </h2> 1818 <p style="color: #64748B; font-size: 1.05rem; line-height: 1.6; margin-bottom: 32px;"> 1819 Integración ágil y flexible para instituciones financieras, entidades reguladas y fintechs que originan crédito en México y LATAM. 1820 </p> 1821 1822 <!-- Checklist Items --> 1823 <div style="display: flex; flex-direction: column; gap: 20px;"> 1824 1825 <!-- Item 1 --> 1826 <div style="display: flex; align-items: flex-start; gap: 14px;"> 1827 <div style="width: 26px; height: 26px; border-radius: 50%; background: #2563EB; display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px;"> 1828 <svg width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="#FFFFFF" stroke-width="3" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1829 </div> 1830 <div> 1831 <h4 style="font-size: 1.05rem; font-weight: 700; color: #0F172A; margin-bottom: 4px;" data-i18n="score_riesgo_index.sector_1_title">SOFIPO · SOFOM · SOCAP</h4> 1832 <p style="color: #475569; font-size: 0.92rem; line-height: 1.5; margin: 0;" data-i18n="score_riesgo_index.sector_1_desc">Eleva la aprobación en población no bancarizada sin incrementar la tasa de mora.</p> 1833 </div> 1834 </div> 1835 1836 <!-- Item 2 --> 1837 <div style="display: flex; align-items: flex-start; gap: 14px;"> 1838 <div style="width: 26px;
1838 height: 26px; border-radius: 50%; background: #2563EB; display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px;"> 1839 <svg width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="#FFFFFF" stroke-width="3" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1840 </div> 1841 <div> 1842 <h4 style="font-size: 1.05rem; font-weight: 700; color: #0F172A; margin-bottom: 4px;" data-i18n="score_riesgo_index.sector_2_title">Banca & Fintech</h4> 1843 <p style="color: #475569; font-size: 0.92rem; line-height: 1.5; margin: 0;" data-i18n="score_riesgo_index.sector_2_desc">Complementa el score de buró interno con señales alternativas de comportamiento digital.</p> 1844 </div> 1845 </div> 1846 1847 <!-- Item 3 --> 1848 <div style="display: flex; align-items: flex-start; gap: 14px;"> 1849 <div style="width: 26px; height: 26px; border-radius: 50%; background: #2563EB; display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px;"> 1850 <svg width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="#FFFFFF" stroke-width="3" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1851 </div> 1852 <div> 1853 <h4 style="font-size: 1.05rem; font-weight: 700; color: #0F172A; margin-bottom: 4px;" data-i18n="score_riesgo_index.sector_3_title">Merchant Lender y Retail</h4> 1854 <p style="color: #475569; font-size: 0.92rem; line-height: 1.5; margin: 0;" data-i18n="score_riesgo_index.sector_3_desc">Aprueba solicitudes en el punto de venta en menos de 3 segundos sin fricción.</p> 1855 </div> 1856 </div> 1857 1858 <!-- Item 4 --> 1859 <div style="display: flex; align-items: flex-start; gap: 14px;"> 1860 <div style="width: 26px; height: 26px; border-radius: 50%; background: #2563EB; display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px;"> 1861 <svg width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="#FFFFFF" stroke-width="3" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1862 </div> 1863 <div> 1864 <h4 style="font-size: 1.05rem; font-weight: 700; color: #0F172A; margin-bottom: 4px;" data-i18n="score_riesgo_index.sector_4_title">Automotriz & Consumo</h4> 1865 <p style="color: #475569; font-size: 0.92rem; line-height: 1.5; margin: 0;" data-i18n="score_riesgo_index.sector_4_desc">Evalúa a solicitantes con poca huella financiera que no califican en banca tradicional.</p> 1866 </div> 1867 </div> 1868 1869 <!-- Item 5 --> 1870 <div style="display: flex; align-items: flex-start; gap: 14px;"> 1871 <div style="width: 26px; height: 26px; border-radius: 50%; background: #2563EB; display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px;"> 1872 <svg width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="#FFFFFF" stroke-width="3" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 1873 </div> 1874 <div> 1875 <h4 style="font-size: 1.05rem; font-weight: 700; color: #0F172A; margin-bottom: 4px;" data-i18n="score_riesgo_index.sector_6_title">Crédito PYME</h4> 1876 <p style="color: #475569; font-size: 0.92rem; line-height: 1.5; margin: 0;" data-i18n="score_riesgo_index.sector_6_desc">Suma datos del SAT, CFDI y registro fiscal directamente a la mesa de decisión.</p> 1877 </div> 1878 </div> 1879 1880 </div> 1881 </div> 1882 1883 <!-- Right Column: Photographic Person Image with Floating Score Badges (Estilo RiskSeal media_1789508448212) --> 1884 <div class="col-lg-6 col-12 text-center position-relative"> 1885 <div style="position: relative; width: 100%; max-width: 420px; margin: 0 auto; display: flex; align-items: center; justify-content: center; min-height: 420px;"> 1886 1887 <!-- Outer Decorative Gradient Circle Ring --> 1888 <div style="position: absolute; width: 340px; height: 380px; border-radius: 50%; background: radial-gradient(circle, #EEF4FF 0%, #E0E7FF 70%, rgba(224, 231, 255, 0) 100%); z-index: 1;"></div> 1889 1890 <!-- Central Photographic Image inside Circular Frame (Estilo RiskSeal media_1789508448212) --> 1891 <div style="position: relative; z-index: 2; width: 320px; height: 320px; border-radius: 50%; overflow: hidden; box-shadow: 0 16px 40px rgba(15, 23, 42, 0.12); border: 4px solid #FFFFFF; background: #EFF6FF;"> 1892 <img src="/assets/img/v5/score-riesgo/adquirir_score_sin_mancha.png" alt="Evaluación de Score de Riesgo" style="width: 100%; height: 100%; object-fit: cover; object-position: top center;" /> 1893 </div> 1894 1895 <!-- Floating Badge 1 (Top Left: Data Signal Validated) --> 1896 <div style="position: absolute; top: 15px; left: -10px; z-index: 4; background: #FFFFFF; border-radius: 14px; padding: 10px 14px; box-shadow: 0 8px 25px rgba(15, 23, 42, 0.12); border: 1px solid #E2E8F0; display: flex; align-items: center; gap: 10px;"> 1897 <div style="width: 28px; height: 28px; border-radius: 50%; background: #EFF6FF; color: #2563EB; display: flex; align-items: center; justify-content: center;"> 1898 <svg width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="M4 4h16c1.1 0 2 .9 2 2v12c0 1.1-.9 2-2 2H4c-1.1 0-2-.9-2-2V6c0-1.1.9-2 2-2z"></path><polyline points="22,6 12,13 2,6"></polyline></svg> 1899 </div> 1900 <div style="text-align: left;"> 1901 <div style="font-size: 0.78rem; font-weight: 700; color: #0F172A; line-height: 1.1;">[email protected]</div> 1902 <div style="font-size: 0.68rem; font-weight: 700; color: #16A34A;">
1902â Validado</div> 1903 </div> 1904 </div> 1905 1906 <!-- Floating Badge 2 (Mid Left: Telco Signal) --> 1907 <div style="position: absolute; top: 130px; left: -25px; z-index: 4; background: #FFFFFF; border-radius: 14px; padding: 10px 14px; box-shadow: 0 8px 25px rgba(15, 23, 42, 0.12); border: 1px solid #E2E8F0; display: flex; align-items: center; gap: 10px;"> 1908 <div style="width: 28px; height: 28px; border-radius: 50%; background: #DCFCE7; color: #16A34A; display: flex; align-items: center; justify-content: center;"> 1909 <svg width="14" height="14" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><path d="M22 16.92v3a2 2 0 0 1-2.18 2 19.79 19.79 0 0 1-8.63-3.07 19.5 19.7 0 0 1-6-6 19.79 19.79 0 0 1-3.07-8.67A2 2 0 0 1 4.11 2h3a2 2 0 0 1 2 1.72 12.84 12.84 0 0 0 .7 2.81 2 2 0 0 1-.45 2.11L8.09 9.91a16 16 0 0 0 6 6l1.27-1.27a2 2 0 0 1 2.11-.45 12.84 12.84 0 0 0 2.81.7A2 2 0 0 1 22 16.92z"></path></svg> 1910 </div> 1911 <div style="text-align: left;"> 1912 <div style="font-size: 0.78rem; font-weight: 700; color: #0F172A; line-height: 1.1;">+52 55 8432 9100</div> 1913 <div style="font-size: 0.68rem; font-weight: 700; color: #16A34A;">â LÃnea Activa</div> 1914 </div> 1915 </div> 1916 1917 <!-- Floating UI Card 3 (Bottom Left: Score Rating Card) --> 1918 <div style="position: absolute; bottom: -10px; left: -15px; z-index: 5; background: #FFFFFF; border-radius: 18px; padding: 14px 18px; box-shadow: 0 12px 30px rgba(15, 23, 42, 0.14); border: 1px solid #E2E8F0; text-align: left; min-width: 170px;"> 1919 <div style="font-size: 0.7rem; font-weight: 800; color: #64748B; text-transform: uppercase; margin-bottom: 4px;">Score Digital IA</div> 1920 <div style="display: flex; align-items: center; gap: 8px;"> 1921 <span style="font-size: 1.5rem; font-weight: 900; color: #16A34A; line-height: 1;">842</span> 1922 <span style="background: #DCFCE7; color: #15803D; font-size: 0.72rem; font-weight: 700; padding: 3px 8px; border-radius: 10px;">Aprobado</span> 1923 </div> 1924 </div> 1925 1926 <!-- Floating UI Card 4 (Bottom Right: KS Metrics Card) --> 1927 <div style="position: absolute; bottom: 25px; right: -15px; z-index: 5; background: #FFFFFF; border-radius: 18px; padding: 14px 18px; box-shadow: 0 12px 30px rgba(15, 23, 42, 0.14); border: 1px solid #E2E8F0; text-align: left;"> 1928 <div style="font-size: 0.7rem; font-weight: 800; color: #2563EB; text-transform: uppercase; margin-bottom: 4px;">Riesgo Estimado</div> 1929 <div style="font-size: 1rem; font-weight: 800; color: #0F172A; line-height: 1.2;">Bajo (KS 46%)</div> 1930 <div style="font-size: 0.72rem; font-weight: 600; color: #16A34A; margin-top: 2px;">ROC 84% Precisión</div> 1931 </div> 1932 1933 </div> 1934 </div> 1935 1936 </div> 1937 1938</div> 1939</section> 1940 1941<!-- VOCES DE LA OPERACIÃN (Carrusel Interactivo Full Grid Width) --> 1942<section class="pymes-section-modern" style="background: #FFFFFF !important; padding-top: 60px; padding-bottom: 70px;"> 1943<div class="container" style="max-width: 1140px;"> 1944 1945 <!-- Section Header & Navigation Controls --> 1946 <div class="d-flex align-items-center justify-content-between mb-4 flex-wrap gap-3"> 1947 <div> 1948 <h2 class="pymes-title-section mb-1" style="color: #0F172A; font-weight: 800; font-size: 2rem;" data-i18n="score_riesgo_index.testimonials_heading"> 1949 Voces de la Operación 1950 </h2> 1951 <p style="color: #64748B; font-size: 0.95rem; margin: 0;">Lo que dicen los responsables de riesgos, datos y tecnologÃa</p> 1952 </div> 1953 1954 <!-- Prev / Next Navigation Buttons --> 1955 <div style="display: flex; align-items: center; gap: 10px;"> 1956 <button id="vocesPrevBtn" type="button" onclick="prevVocesSlide()" aria-label="Anterior" style="width: 44px; height: 44px; border-radius: 50%; background: #FFFFFF; border: 1px solid #CBD5E1; color: #0F172A; display: flex; align-items: center; justify-content: center; cursor: pointer; box-shadow: 0 4px 12px rgba(15, 23, 42, 0.06); transition: all 0.2s;"> 1957 <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="15 18 9 12 15 6"></polyline></svg> 1958 </button> 1959 <button id="vocesNextBtn" type="button" onclick="nextVocesSl
1959ide()" aria-label="Siguiente" style="width: 44px; height: 44px; border-radius: 50%; background: #FFFFFF; border: 1px solid #CBD5E1; color: #0F172A; display: flex; align-items: center; justify-content: center; cursor: pointer; box-shadow: 0 4px 12px rgba(15, 23, 42, 0.06); transition: all 0.2s;"> 1960 <svg width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="9 18 15 12 9 6"></polyline></svg> 1961 </button> 1962 </div> 1963 </div> 1964 1965 <!-- Carousel Viewport --> 1966 <div style="overflow: hidden; width: 100%; border-radius: 20px; padding: 10px 0;"> 1967 <div id="vocesSliderTrack" style="display: flex; transition: transform 0.4s cubic-bezier(0.25, 1, 0.5, 1); gap: 24px;"> 1968 1969 <!-- Card 1 --> 1970 <div style="flex: 0 0 calc(33.333% - 16px); min-width: 290px; background: #FFFFFF; border-radius: 20px; padding: 28px 24px; border: 1px solid #E2E8F0; box-shadow: 0 6px 20px rgba(15, 23, 42, 0.05); display: flex; flex-direction: column; justify-content: space-between;"> 1971 <p style="color: #0F172A; font-size: 0.98rem; font-weight: 700; line-height: 1.55; margin-bottom: 24px;" data-i18n="score_riesgo_index.quote_1"> 1972 âMi tasa de rechazo está alta y no sé cuánto negocio sano estoy dejando ir.â 1973 </p> 1974 <div style="display: flex; align-items: center; gap: 14px; border-top: 1px solid #F1F5F9; padding-top: 16px;"> 1975 <img src="/assets/img/v5/testimonials/white_exec_avatar_1.jpg?v=2026_SEP14_v10" alt="Director de Riesgos" style="width: 44px; height: 44px; border-radius: 50%; object-fit: cover; border: 2px solid #2563EB;" /> 1976 <div> 1977 <div style="font-size: 0.88rem; font-weight: 800; color: #0F172A;" data-i18n="score_riesgo_index.role_1">Director de Riesgos / Head of Risk</div> 1978 <div style="font-size: 0.78rem; color: #64748B; font-weight: 600;" data-i18n="score_riesgo_index.sector_1">Sector Financiero / SOFIPO</div> 1979 </div> 1980 </div> 1981 </div> 1982 1983 <!-- Card 2 --> 1984 <div style="flex: 0 0 calc(33.333% - 16px); min-width: 290px; background: #FFFFFF; border-radius: 20px; padding: 28px 24px; border: 1px solid #E2E8F0; box-shadow: 0 6px 20px rgba(15, 23, 42, 0.05); display: flex; flex-direction: column; justify-content: space-between;"> 1985 <p style="color: #0F172A; font-size: 0.98rem; font-weight: 700; line-height: 1.55; margin-bottom: 24px;" data-i18n="score_riesgo_index.quote_2"> 1986 âQuiero medir un modelo nuevo en producción sin apostar la cartera.â 1987 </p> 1988 <div style="display: flex; align-items: center; gap: 14px; border-top: 1px solid #F1F5F9; padding-top: 16px;"> 1989 <img src="/assets/img/v5/testimonials/white_exec_avatar_2.jpg?v=2026_SEP14_v10" alt="Director de Datos" style="width: 44px; height: 44px; border-radius: 50%; object-fit: cover; border: 2px solid #2563EB;" /> 1990 <div> 1991 <div style="font-size: 0.88rem; font-weight: 800; color: #0F172A;" data-i18n="score_riesgo_index.role_2">Director de Datos / Head of Data</div> 1992 <div style="font-size: 0.78rem; color: #64748B; font-weight: 600;" data-i18n="score_riesgo_index.sector_2">Banca & Fintech</div> 1993 </div> 1994 </div> 1995 </div> 1996 1997 <!-- Card 3 --> 1998 <div style="flex: 0 0 calc(33.333% - 16px); min-width: 290px; background: #FFFFFF; border-radius: 20px; padding: 28px 24px; border: 1px solid #E2E8F0; box-shadow: 0 6px 20px rgba(15, 23, 42, 0.05); display: flex; flex-direction: column; justify-content: space-between;"> 1999 <p style="color: #0F172A; font-size: 0.98rem; font-weight: 700; line-height: 1.55; margin-bottom: 24px;" data-i18n="score_riesgo_index.quote_3"> 2000 âNecesito saber qué devuelve la API antes de agendar una llamada.â 2001 </p> 2002 <div style="display: flex; align-items: center; gap: 14px; border-top: 1px solid #F1F5F9; padding-top: 16px;"> 2003 <img src="/assets/img/v5/testimonials/white_exec_avatar_3.jpg?v=2026_SEP14_v10" alt="CTO" style="width: 44px; height: 44px; border-radius: 50%; object-fit: cover; border: 2px solid #2563EB;" /> 2004 <div> 2005 <div style="font-size: 0.88rem; font-weight: 800; color: #0F172A;" data-i18n="score_riesgo_index.role_3">CTO</div> 2006 <div style="font-size: 0.78rem; color: #64748B; font-weight: 600;" data-i18n="score_riesgo_index.sector_3">Plataformas de Crédito</div> 2007 </div> 2008 </div> 2009 </div> 2010 2011 <!-- Card 4 --> 2012 <div style="flex: 0 0 calc(33.333% - 16px); min-width: 290px; background: #FFFFFF; border-radius: 20px; padding: 28px 24px; border: 1px solid #E2E8F0; box-shadow: 0 6px 20px rgba(15, 23, 42, 0.05); display: flex; flex-direction: column; justify-content: space-between;"> 2013 <p style="color: #0F172A; font-size: 0.98rem; font-weight: 700; line-height: 1.55; margin-bottom: 24px;" data-i18n="score_riesgo_index.quote_4"> 2014 âMi embudo se cae en el paso de evaluación.â 2015 </p> 2016 <div style="display: flex; align-items: center; gap: 14px; border-top: 1px solid #F1F5F9; padding-top: 16px;"> 2017 <img src="/assets/img/v5/testimonials/white_exec_avatar_4.jpg?v=2026_SEP14_v10" alt="Director Comercial" style="width: 44px; height: 44px; border-radius: 50%; object-fit: cover; border: 2px solid #2563EB;" /> 2018 <div> 2019 <div style="font-size: 0.88rem; font-weight: 800; color: #0F172A;" data-i18n="score_riesgo_index.role_4">Director Comercial</div> 2020 <div style="font-size: 0.78rem; color: #64748B; font-weight: 600;" data-i18n="score_riesgo_index.sector_4">Retail & Originación Financiera</div> 2021 </div> 2022 </div> 2023 </div> 2024 2025 </div> 2026 </div> 2027 2028 <!-- Progress Bar --> 2029 <div style="width: 100%; height: 4px; background: #E2E8F0; border-radius: 4px; margin-top: 20px; overflow: hidden;"> 2030 <div id="vocesProgressBar" style="width: 50%; height: 100%; background: #2563EB; border-radius: 4px; transition: width 0.35s ease;"></div> 2031 </div> 2032 2033</div> 2034</section> 2035
2036<script> 2037let currentVocesIndex = 0; 2038const totalVocesCards = 4; 2039 2040function updateVocesCarousel() { 2041 const track = document.getElementById('vocesSliderTrack'); 2042 const progressBar = document.getElementById('vocesProgressBar'); 2043 if (!track || !progressBar) return; 2044 2045 const isMobile = window.innerWidth < 768; 2046 const isTablet = window.innerWidth >= 768 && window.innerWidth < 1024; 2047 2048 let slidePct = 33.333; 2049 let maxIndex = totalVocesCards - 3; 2050 if (isMobile) { 2051 slidePct = 100; 2052 maxIndex = totalVocesCards - 1; 2053 } else if (isTablet) { 2054 slidePct = 50; 2055 maxIndex = totalVocesCards - 2; 2056 } 2057 2058 if (currentVocesIndex > maxIndex) currentVocesIndex = maxIndex; 2059 if (currentVocesIndex < 0) currentVocesIndex = 0; 2060 2061 const movePct = currentVocesIndex * 35; 2062 track.style.transform = `translateX(-${movePct}%)`; 2063 2064 const pct = ((currentVocesIndex + 1) / (maxIndex + 1)) * 100; 2065 progressBar.style.width = pct + '%'; 2066} 2067 2068function nextVocesSlide() { 2069 const isMobile = window.innerWidth < 768; 2070 const isTablet = window.innerWidth >= 768 && window.innerWidth < 1024; 2071 let maxIndex = totalVocesCards - 3; 2072 if (isMobile) maxIndex = totalVocesCards - 1; 2073 else if (isTablet) maxIndex = totalVocesCards - 2; 2074 2075 if (currentVocesIndex < maxIndex) { 2076 currentVocesIndex++; 2077 } else { 2078 currentVocesIndex = 0; 2079 } 2080 updateVocesCarousel(); 2081} 2082 2083function prevVocesSlide() { 2084 if (currentVocesIndex > 0) { 2085 currentVocesIndex--; 2086 } else { 2087 currentVocesIndex = 0; 2088 } 2089 updateVocesCarousel(); 2090} 2091 2092window.addEventListener('resize', updateVocesCarousel); 2093</script>
2093 2094 2095<!-- SEGURIDAD Y CUMPLIMIENTO (Diseño RiskSeal Card Grid) --> 2096<section class="pymes-section-modern" style="background: #FFFFFF !important; padding-top: 75px; padding-bottom: 85px;"> 2097<div class="container" style="max-width: 1140px;"> 2098 2099 <div class="text-center mb-5"> 2100 <h2 class="pymes-title-section mb-2" style="color: #0F172A; font-weight: 800;" data-i18n="score_riesgo_index.security_title">Seguridad y Cumplimiento</h2> 2101 <p class="pymes-subtitle-section" style="color: #64748B; max-width: 600px; margin: 0 auto;" data-i18n="score_riesgo_index.security_subtitle">Construido bajo estándares internacionales para superar la auditorÃa de tu comité de riesgos</p> 2102 </div> 2103 2104 <!-- Top Row: 3 Cards --> 2105 <div class="row g-4 mb-4 justify-content-center"> 2106 2107 <!-- Card 1: Certificaciones Internacionales --> 2108 <div class="col-lg-4 col-md-6 col-12"> 2109 <div style="background: #FFFFFF; border-radius: 20px; padding: 32px 28px; border: 1px solid #E2E8F0; box-shadow: 0 6px 24px rgba(15, 23, 42, 0.05); height: 100%; display: flex; flex-direction: column; justify-content: space-between;"> 2110 <div> 2111 <!-- Icon --> 2112 <div style="width: 46px; height: 46px; border-radius: 12px; border: 1.5px solid #CBD5E1; display: flex; align-items: center; justify-content: center; color: #0F172A; margin-bottom: 18px;"> 2113 <svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z"></path><path d="m9 12 2 2 4-4"></path></svg> 2114 </div> 2115 <h3 style="font-size: 1.18rem; font-weight: 800; color: #0F172A; margin-bottom: 10px; line-height: 1.3;" data-i18n="score_riesgo_index.sec_1_title"> 2116 Certificaciones Internacionales 2117 </h3> 2118 <p style="color: #64748B; font-size: 0.9rem; line-height: 1.55; margin-bottom: 22px;" data-i18n="score_riesgo_index.sec_1_desc"> 2119 Infraestructura auditada y certificada bajo estándares globales de seguridad y privacidad. 2120 </p> 2121 2122 <!-- Bullets --> 2123 <ul style="list-style: none; padding: 0; margin: 0 0 24px 0;"> 2124 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 10px;"> 2125 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 2126 <span>ISO/IEC 27001:2013</span> 2127 </li> 2128 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 10px;"> 2129 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 2130 <span>ISO 27701 Privacidad</span> 2131 </li> 2132 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 0;"> 2133 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 2134 <span>Cumplimiento NOM-151</span> 2135 </li> 2136 </ul> 2137 </div> 2138 2139 2140 </div> 2141 </div> 2142 2143 <!-- Card 2: Datos Personales & Protegidos --> 2144 <div class="col-lg-4 col-md-6 col-12"> 2145 <div style="background: #FFFFFF; border-radius: 20px; padding: 32px 28px; border: 1px solid #E2E8F0; box-shadow: 0 6px 24px rgba(15, 23, 42, 0.05); height: 100%; display: flex; flex-direction: column; justify-content: space-between;"> 2146 <div> 2147 <!-- Icon --> 2148 <div style="width: 46px; height: 46px; border-radius: 12px; border: 1.5px solid #CBD5E1; display: flex; align-items: center; justify-content: center; color: #0F172A; margin-bottom: 18px;"> 2149 <svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><rect x="3" y="11" width="18" height="11" rx="2" ry="2"></rect><path d="M7 11V7a5 5 0 0 1 10 0v4"></path></svg> 2150 </div> 2151 <h3 style="font-size: 1.18rem; font-weight: 800; color: #0F172A; margin-bottom: 10px; line-height: 1.3;" data-i18n="score_riesgo_index.sec_2_title"> 2152 Datos Personales & Protegidos 2153 </h3> 2154 <p style="color: #64748B; font-size: 0.9rem; line-height: 1.55; margin-bottom: 22px;" data-i18n="score_riesgo_index.sec_2_desc"> 2155 Marco de protección estricto alineado con las leyes mexicanas e internacionales. 2156 </p> 2157 2158 <!-- Bullets --> 2159 <ul style="list-style: none; padding: 0; margin: 0 0 24px 0;"> 2160 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 10px;"> 2161 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg>
2162 <span>LFPDPPP Cumplida</span> 2163 </li> 2164 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 10px;"> 2165 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 2166 <span>Autorregulación INAI</span> 2167 </li> 2168 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 0;"> 2169 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 2170 <span>Cifrado bancario AES-256</span> 2171 </li> 2172 </ul> 2173 </div> 2174 2175 2176 </div> 2177 </div> 2178 2179 <!-- Card 3: Identidad Validada en la Fuente --> 2180 <div class="col-lg-4 col-md-6 col-12"> 2181 <div style="background: #FFFFFF; border-radius: 20px; padding: 32px 28px; border: 1px solid #E2E8F0; box-shadow: 0 6px 24px rgba(15, 23, 42, 0.05); height: 100%; display: flex; flex-direction: column; justify-content: space-between;"> 2182 <div> 2183 <!-- Icon --> 2184 <div style="width: 46px; height: 46px; border-radius: 12px; border: 1.5px solid #CBD5E1; display: flex; align-items: center; justify-content: center; color: #0F172A; margin-bottom: 18px;"> 2185 <svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><path d="M16 21v-2a4 4 0 0 0-4-4H5a4 4 0 0 0-4 4v2"></path><circle cx="8.5" cy="7" r="4"></circle><polyline points="17 11 19 13 23 9"></polyline></svg> 2186 </div> 2187 <h3 style="font-size: 1.18rem; font-weight: 800; color: #0F172A; margin-bottom: 10px; line-height: 1.3;" data-i18n="score_riesgo_index.sec_3_title"> 2188 Identidad Validada en la Fuente 2189 </h3> 2190 <p style="color: #64748B; font-size: 0.9rem; line-height: 1.55; margin-bottom: 22px;" data-i18n="score_riesgo_index.sec_3_desc"> 2191 Verificación en tiempo real contra listas oficiales y padrones gubernamentales. 2192 </p> 2193 2194 <!-- Bullets --> 2195 <ul style="list-style: none; padding: 0; margin: 0 0 24px 0;"> 2196 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 10px;"> 2197 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 2198 <span>Validación RENAPO (CURP)</span> 2199 </li> 2200 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 10px;"> 2201 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 2202 <span>Padrón oficial del INE</span> 2203 </li> 2204 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 0;"> 2205 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 2206 <span>Filtro de Listas Negras (69-B)</span> 2207 </li> 2208 </ul> 2209 </div> 2210 2211 2212 </div> 2213 </div> 2214 2215 </div> 2216 2217 <!-- Bottom Row: 2 Centered Cards --> 2218 <div class="row g-4 justify-content-center"> 2219 2220 <!-- Card 4: Privacidad de Modelos --> 2221 <div class="col-lg-4 col-md-6 col-12"> 2222 <div style="background: #FFFFFF; border-radius: 20px; padding: 32px 28px; border: 1px solid #E2E8F0; box-shadow: 0 6px 24px rgba(15, 23, 42, 0.05); height: 100%; display: flex; flex-direction: column; justify-content: space-between;"> 2223 <div> 2224 <!-- Icon --> 2225 <div style="width: 46px; height: 46px; border-radius: 12px; border: 1.5px solid #CBD5E1; display: flex; align-items: center; justify-content: center; color: #0F172A; margin-bottom: 18px;"> 2226 <svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><path d="M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z"></path><polyline points="14 2 14 8 20 8"></polyline><line x1="16" y1="13" x2="8" y2="13"></line><line x1="16" y1="17" x2="8" y2="17"></line></svg> 2227 </div> 2228 <h3 style="font-size: 1.18rem; font-weight: 800; color: #0F172A; margin-bottom: 10px; line-height: 1.3;" data-i18n="score_riesgo_index.sec_4_title"> 2229 Privacidad de Modelos 2230 </h3> 2231 <p style="color: #64748B; font-size: 0.9rem; line-height: 1.55; margin-bottom: 22px;" data-i18n="score_riesgo_index.sec_4_desc"> 2232 Tus datos de cartera permanecen privados y protegidos en entornos aislados. 2233 </p> 2234 2235 <!-- Bullets --> 2236 <ul style="list-style: none; padding: 0; margin: 0 0 24px 0;"> 2237 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 10px;"> 2238 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg>
2239 <span>Cero entrenamiento cruzado</span> 2240 </li> 2241 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 10px;"> 2242 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 2243 <span>Uso exclusivo por cliente</span> 2244 </li> 2245 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 0;"> 2246 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 2247 <span>Entornos aislados SOC2</span> 2248 </li> 2249 </ul> 2250 </div> 2251 2252 2253 </div> 2254 </div> 2255 2256 <!-- Card 5: Decisiones Auditables --> 2257 <div class="col-lg-4 col-md-6 col-12"> 2258 <div style="background: #FFFFFF; border-radius: 20px; padding: 32px 28px; border: 1px solid #E2E8F0; box-shadow: 0 6px 24px rgba(15, 23, 42, 0.05); height: 100%; display: flex; flex-direction: column; justify-content: space-between;"> 2259 <div> 2260 <!-- Icon --> 2261 <div style="width: 46px; height: 46px; border-radius: 12px; border: 1.5px solid #CBD5E1; display: flex; align-items: center; justify-content: center; color: #0F172A; margin-bottom: 18px;"> 2262 <svg width="22" height="22" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"><circle cx="12" cy="12" r="10"></circle><polyline points="12 6 12 12 16 14"></polyline></svg> 2263 </div> 2264 <h3 style="font-size: 1.18rem; font-weight: 800; color: #0F172A; margin-bottom: 10px; line-height: 1.3;" data-i18n="score_riesgo_index.sec_5_title"> 2265 Decisiones Auditables 2266 </h3> 2267 <p style="color: #64748B; font-size: 0.9rem; line-height: 1.55; margin-bottom: 22px;" data-i18n="score_riesgo_index.sec_5_desc"> 2268 Trazabilidad permanente de cada consulta realizada para fines regulatorios. 2269 </p> 2270 2271 <!-- Bullets --> 2272 <ul style="list-style: none; padding: 0; margin: 0 0 24px 0;"> 2273 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 10px;"> 2274 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 2275 <span>Explicabilidad SHAP por regla</span> 2276 </li> 2277 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 10px;"> 2278 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 2279 <span>Bitácora permanente</span> 2280 </li> 2281 <li style="display: flex; align-items: center; gap: 10px; color: #334155; font-weight: 600; font-size: 0.88rem; margin-bottom: 0;"> 2282 <svg width="18" height="18" viewBox="0 0 24 24" fill="none" stroke="#16A34A" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="20 6 9 17 4 12"></polyline></svg> 2283 <span>Reportes para CNBV</span> 2284 </li> 2285 </ul> 2286 </div> 2287 2288 2289 </div> 2290 </div> 2291 2292 </div> 2293 2294</div> 2295</section> 2296 2297<!-- PREGUNTAS FRECUENTES (Diseño RiskSeal 2-Column Grid) --> 2298<section class="pymes-section-modern" style="background: #EEF4FF !important; padding-top: 70px; padding-bottom: 80px;"> 2299<div class="container" style="max-width: 1100px;"> 2300 2301 <div class="text-center mb-5"> 2302 <h2 class="pymes-title-section mb-2" style="color: #0F172A; font-weight: 800;" data-i18n="global_faq_title">Preguntas Frecuentes</h2> 2303 <p class="pymes-subtitle-section" style="color: #64748B;" data-i18n="score_riesgo_index.faq_subtitle">Todo lo que necesitas saber sobre la integración y el modelo de Score de Riesgo Finvero</p> 2304 </div> 2305 2306 <div class="row g-4"> 2307 2308 <!-- Left Column --> 2309 <div class="col-lg-6 col-12"> 2310 2311 <!-- FAQ 1 --> 2312 <div class="rs-faq-card" onclick="toggleRSFaq(this)" style="background: #FFFFFF; border-radius: 18px; border: 1px solid #E2E8F0;
2312 padding: 22px 26px; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04); margin-bottom: 20px; cursor: pointer; transition: all 0.25s ease;"> 2313 <div style="display: flex; align-items: center; justify-content: space-between; gap: 16px;"> 2314 <h3 style="font-size: 1.05rem; font-weight: 700; color: #0F172A; margin: 0; line-height: 1.35;" data-i18n="score_riesgo_index.faq_1_q"> 2315 ¿Esto sustituye al buró de crédito? 2316 </h3> 2317 <span class="rs-faq-icon" style="color: #2563EB; font-size: 1.5rem; font-weight: 400; width: 28px; height: 28px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: transform 0.25s;">+</span> 2318 </div> 2319 <div class="rs-faq-answer" style="display: none; color: #64748B; font-size: 0.92rem; line-height: 1.6; margin-top: 14px; border-top: 1px solid #F1F5F9; padding-top: 14px;" data-i18n="score_riesgo_index.faq_1_a"> 2320 No lo sustituye: lo complementa. El modelo es 100% alternativo y no depende del historial crediticio tradicional, permitiendo aprobar a solicitantes sin historial o evaluar perfiles con baja huella bancaria. 2321 </div> 2322 </div> 2323 2324 <!-- FAQ 2 --> 2325 <div class="rs-faq-card" onclick="toggleRSFaq(this)" style="background: #FFFFFF; border-radius: 18px; border: 1px solid #E2E8F0; padding: 22px 26px; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04); margin-bottom: 20px; cursor: pointer; transition: all 0.25s ease;"> 2326 <div style="display: flex; align-items: center; justify-content: space-between; gap: 16px;"> 2327 <h3 style="font-size: 1.05rem; font-weight: 700; color: #0F172A; margin: 0; line-height: 1.35;" data-i18n="score_riesgo_index.faq_2_q"> 2328 ¿El modelo funciona como una caja negra? 2329 </h3> 2330 <span class="rs-faq-icon" style="color: #2563EB; font-size: 1.5rem; font-weight: 400; width: 28px; height: 28px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: transform 0.25s;">+</span> 2331 </div> 2332 <div class="rs-faq-answer" style="display: none; color: #64748B; font-size: 0.92rem; line-height: 1.6; margin-top: 14px; border-top: 1px solid #F1F5F9; padding-top: 14px;" data-i18n="score_riesgo_index.faq_2_a"> 2333 No. Cada resultado llega acompañado de las variables que más pesaron en la decisión (explicabilidad SHAP) en lenguaje claro y en formato totalmente auditable para tu equipo de riesgos y auditorÃa. 2334 </div> 2335 </div> 2336 2337 <!-- FAQ 3 --> 2338 <div class="rs-faq-card" onclick="toggleRSFaq(this)" style="background: #FFFFFF; border-radius: 18px; border: 1px solid #E2E8F0; padding: 22px 26px; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04); margin-bottom: 20px; cursor: pointer; transition: all 0.25s ease;"> 2339 <div style="display: flex; align-items: center; justify-content: space-between; gap: 16px;"> 2340 <h3 style="font-size: 1.05rem; font-weight: 700; color: #0F172A; margin: 0; line-height: 1.35;" data-i18n="score_riesgo_index.faq_3_q"> 2341 ¿Cómo sé si funciona con mi tipo de cartera? 2342 </h3> 2343 <span class="rs-faq-icon" style="color: #2563EB; font-size: 1.5rem; font-weight: 400; width: 28px; height: 28px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: transform 0.25s;">+</span> 2344 </div> 2345 <div class="rs-faq-answer" style="display: none; color: #64748B; font-size: 0.92rem; line-height: 1.6; margin-top: 14px; border-top: 1px solid #F1F5F9; padding-top: 14px;" data-i18n="score_riesgo_index.faq_3_a"> 2346 Ejecutamos un análisis retrospectivo (retro-test) sobre tu base histórica de créditos otorgados e incumplidos sin costo para medir exactamente el incremento en precisión y reducción de mora antes de integrar. 2347 </div> 2348 </div> 2349 2350 </div> 2351 2352 <!-- Right Column --> 2353 <div class="col-lg-6 col-12"> 2354 2355 <!-- FAQ 4 --> 2356 <div class="rs-faq-card" onclick="toggleRSFaq(this)" style="background: #FFFFFF; border-radius: 18px; border: 1px solid #E2E8F0; padding: 22px 26px; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04); margin-bottom: 20px; cursor: pointer; transition: all 0.25s ease;"> 2357 <div style="display: flex; align-items: center; justify-content: space-between; gap: 16px;"> 2358 <h3 style="font-size: 1.05rem; font-weight: 700; color: #0F172A; margin: 0; line-height: 1.35;" data-i18n="score_riesgo_index.faq_4_q"> 2359 ¿Qué precisión ofrece el Score de Riesgo Finvero? 2360 </h3>
2361 <span class="rs-faq-icon" style="color: #2563EB; font-size: 1.5rem; font-weight: 400; width: 28px; height: 28px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: transform 0.25s;">+</span> 2362 </div> 2363 <div class="rs-faq-answer" style="display: none; color: #64748B; font-size: 0.92rem; line-height: 1.6; margin-top: 14px; border-top: 1px solid #F1F5F9; padding-top: 14px;" data-i18n="score_riesgo_index.faq_4_a"> 2364 El modelo registra métricas comprobadas de KS de 46%, ROC de 84% y un aumento de hasta 25% a 45% en aprobación de clientes previamente rechazados por falta de datos. 2365 </div> 2366 </div> 2367 2368 <!-- FAQ 5 --> 2369 <div class="rs-faq-card" onclick="toggleRSFaq(this)" style="background: #FFFFFF; border-radius: 18px; border: 1px solid #E2E8F0; padding: 22px 26px; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04); margin-bottom: 20px; cursor: pointer; transition: all 0.25s ease;"> 2370 <div style="display: flex; align-items: center; justify-content: space-between; gap: 16px;"> 2371 <h3 style="font-size: 1.05rem; font-weight: 700; color: #0F172A; margin: 0; line-height: 1.35;" data-i18n="score_riesgo_index.faq_5_q"> 2372 ¿Qué se requiere para integrar la API de Finvero? 2373 </h3> 2374 <span class="rs-faq-icon" style="color: #2563EB; font-size: 1.5rem; font-weight: 400; width: 28px; height: 28px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: transform 0.25s;">+</span> 2375 </div> 2376 <div class="rs-faq-answer" style="display: none; color: #64748B; font-size: 0.92rem; line-height: 1.6; margin-top: 14px; border-top: 1px solid #F1F5F9; padding-top: 14px;" data-i18n="score_riesgo_index.faq_5_a"> 2377 Ãnicamente una petición HTTPS/REST estándar enviando los datos del usuario. La respuesta con el score y dictamen regresa en menos de 3 segundos. 2378 </div> 2379 </div> 2380 2381 <!-- FAQ 6 --> 2382 <div class="rs-faq-card" onclick="toggleRSFaq(this)" style="background: #FFFFFF; border-radius: 18px; border: 1px solid #E2E8F0; padding: 22px 26px; box-shadow: 0 4px 16px rgba(15, 23, 42, 0.04); margin-bottom: 20px; cursor: pointer; transition: all 0.25s ease;"> 2383 <div style="display: flex; align-items: center; justify-content: space-between; gap: 16px;"> 2384 <h3 style="font-size: 1.05rem; font-weight: 700; color: #0F172A; margin: 0; line-height: 1.35;"> 2385 ¿Cumple con las leyes de privacidad de datos? 2386 </h3> 2387 <span class="rs-faq-icon" style="color: #2563EB; font-size: 1.5rem; font-weight: 400; width: 28px; height: 28px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: transform 0.25s;">+</span> 2388 </div> 2389 <div class="rs-faq-answer" style="display: none; color: #64748B; font-size: 0.92rem; line-height: 1.6; margin-top: 14px; border-top: 1px solid #F1F5F9; padding-top: 14px;"> 2390 SÃ. Finvero opera bajo estricto cumplimiento de la LFPDPPP, certificación ISO/IEC 27001, esquema de autorregulación ante el INAI y cifrado bancario de extremo a extremo. 2391 </div> 2392 </div> 2393 2394 </div> 2395 2396 </div> 2397 2398</div> 2399</section> 2400
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