Los nuevos retos del sector agroalimentario: Fintech 3.0, AgTech y FoodTech

The history of technological development and its progress is through successive waves that overlap. Each revolution has its life cycle, its techno-economic paradigm with its structural components of invention, innovation and diffusion. The digital and mobile era is penetrating all areas of life here is the case of technological innovation, the financial market and the agri-food sector; especially, the new architecture of financial services, which is emerging. The FinTech 3.0 era is related to the finance value chain and impacts its business models. New digital technologies are changing agriculture in many dimensions beyond financial services (AgTech). In this scenario, this article aims to understand the three simultaneous challenges, enabled by digital and mobile technologies, which impact the links in the value chains, their actual and financial functioning, and the design of products in the agri-food sector. There is good reason to believe that emerging digital technologies can improve the functioning of agricultural markets at a very low cost per farmer. Digital agricultural services can improve agricultural productivity, the functioning of agricultural supply chains, traceability, connection between producers and the end customer in the face of climate change and environmental stress. New technologies are impacting not only processes and business models but also products and their components, in the case of the disruption of proteins (FoodTech). The success of emerging technological innovations with the greatest potential for agriculture in Latin America and the Caribbean will largely depend on the operation, evolution and maturity of the innovation ecosystems that enhance the opportunities offered by the countries. Disruption in food and agriculture is inevitable, modern products will be superior in multiple attributes, but it is policy makers, investors, companies, entrepreneurs and civil society as a whole who have the power to stop or accelerate its adoption