Through 11 findings, the study shows the main problems in the Chilean financial market regarding innovation and technological adoption. These include regulatory barriers, lack of enabling elements, digital talent, and standardized and public information about the use and quality of digitally operated products. Thirteen measures are proposed, organized into three areas: innovation; the relationship of the traditional industry with Fintech (a set of companies providing technology-based services in the financial sector); and the opportunities presented by open finance.