Para analizar el tema de seguridad y medios de pago, el ensayo se ha estructurado en tres partes. La primera de ella presenta de forma sencilla que son los medios de pago y cual su tendencia. La segunda explica que son los cajeros automáticos, los tipos y algunas estadísticas relacionadas con su uso a nivel latinoamericano y Colombia. La tercera parte aborda el tema de seguridad asociada a procesos tan en cajeros automáticos como en servicios financieros de cuentas móviles, corretaje móvil e información financiera. así mismo, presenta de manera resumida la normatividad que respalda estos procesos. finamente se concluye que la seguridad en medios de pago tiene un reto y un riesgo simultaneo al apoyarse en nuevas tecnologías, básicamente porque quienes actúan al margen de la ley también tienen acceso a esa tecnología, para controlarlo es la gestión del riesgo una alternativa sumamente eficaz para obtener buenos resultados.To analyze the issue of security and means of payment, the essay has been structured in three parts. The first one presents in a simple way what are the means of payment and what their trend is. The second explains what ATMs are, the types and some statistics related to their use in Latin America and Colombia. The third part deals with the issue of security associated with processes both in ATMs and in mobile account financial services, mobile brokerage and financial information. Likewise, it briefly presents the regulations that support these processes. Finally, it is concluded that security in means of payment has a challenge and a simultaneous risk when relying on new technologies, basically because those who act outside the law also have access to that technology, to control it, risk management is a highly effective alternative. to get good results.EspecializaciónTo analyze the issue of security and means of payment, the essay has been structured in three parts. The first one presents in a simple way what are the means of payment and what their trend is. The second explains what ATMs are, the types and some statistics related to their use in Latin America and Colombia. The third part deals with the issue of security associated with processes both in ATMs and in mobile account financial services, mobile brokerage and financial information. Likewise, it briefly presents the regulations that support these processes. Finally, it is concluded that security in means of payment has a challenge and a simultaneous risk when relying on new technologies, basically because those who act outside the law also have access to that technology, to control it, risk management is a highly effective alternative. to get good results.