<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//chocale.cl/wp-content/plugins/wordpress-seo/css/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://chocale.cl/opinion/columnas/opinion-la-proteccion-de-la-huella-digital-en-celulares-y-tablets-de-los-ninos/</loc>
		<lastmod>2019-01-07T14:37:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/opinion-ley-accesibilidad-universal-mario-ogalde/</loc>
		<lastmod>2019-02-20T13:55:37+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2019/02/mario-ogalde.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/opinion-la-clase-media-y-pymes-pagaran-los-impuestos-digitales-de-la-reforma-tributaria/</loc>
		<lastmod>2019-03-22T13:36:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/opinion-tecnologia-apoyo-desarrollo-pymes/</loc>
		<lastmod>2019-03-25T15:02:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/roberto-opazo-ceo-de-khipu-esta-pesadilla-no-era-mi-sueno/</loc>
		<lastmod>2020-05-22T20:07:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/editorial-retiro-de-fondos-de-las-afp-y-la-responsabilidad-politica/</loc>
		<lastmod>2020-07-15T15:40:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/seleccion-del-editor-lo-bueno-lo-malo-y-lo-feo-del-2020/</loc>
		<lastmod>2020-12-30T23:24:55+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2020/12/audiencia-indignados-vtr-subtel-scaled-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2020/09/caida-bancoestado-07092020.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2020/05/reserva-hora-lider-online-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2020/08/cuenta-corriente-santander-life.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2020/10/cuenta-fan-banco-chile-tarjeta.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/economia-circular-reciclaje-latas-botellas-dinamarca/</loc>
		<lastmod>2021-03-12T22:05:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/editorial-el-duro-golpe-del-gobierno-a-las-pymes-y-los-consumidores/</loc>
		<lastmod>2021-04-05T15:26:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/opinion-el-fin-de-la-fiesta-de-los-creditos-simultaneos/</loc>
		<lastmod>2021-04-13T15:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/opinion-tres-desafios-post-pandemia-en-el-ambito-financiero/</loc>
		<lastmod>2021-05-06T15:50:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/opinion-a-25-anos-de-la-inauguracion-del-primer-supermercado-lider/</loc>
		<lastmod>2021-05-24T19:16:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/opinion-la-publicidad-ya-no-es-para-unos-pocos/</loc>
		<lastmod>2021-06-08T18:34:04+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2021/06/redes-sociales-ads.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/rappi-cambio-unilateral-condiciones-suscripcion-prime-reclamos/</loc>
		<lastmod>2021-09-08T18:42:23+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2021/09/Captura-de-Pantalla-2021-09-08-a-las-15.32.11.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/lo-mejor-de-2021-7-momentos-imperdibles-de-chocale/</loc>
		<lastmod>2021-12-31T15:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/editorial-publicidad-casinos-online-apuestas-deportivas/</loc>
		<lastmod>2023-07-11T12:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/itu-itau-nueva-cuenta-corriente-digital/</loc>
		<lastmod>2023-07-20T19:17:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/editorial-regulacion-apuestas-online-blanquear-actividad-que-empobrece/</loc>
		<lastmod>2025-03-22T11:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/devuelveme-mi-pasaje-cuando-las-buenas-intenciones-terminan-saliendo-caras/</loc>
		<lastmod>2025-04-19T13:41:26+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2025/04/devuelveme-mi-pasaje-diputados.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/cartas-al-director/carta-al-director-sermecoop/</loc>
		<lastmod>2025-10-08T20:33:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/cartas-al-director/carta-al-director-ministro-pizarro-que-esta-pasando/</loc>
		<lastmod>2025-11-25T09:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/cartas-al-director/carta-al-director-la-evolucion-de-los-programas-de-lealtad/</loc>
		<lastmod>2025-12-13T10:00:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/conocer-y-navegar-en-las-profundidades-de-la-ia-generativa/</loc>
		<lastmod>2026-03-02T11:24:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/cartas-al-director/la-proteccion-de-ninos-y-adolescentes-debe-estar-por-sobre-cualquier-interes-comercial/</loc>
		<lastmod>2026-04-07T14:32:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/hoja-de-ruta-para-fortalecer-la-mineria-chilena/</loc>
		<lastmod>2026-07-12T04:12:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/editorial-los-dilemas-de-la-ley-reconstruccion-nacional-miscelanea-tutti-frutti/</loc>
		<lastmod>2026-07-12T04:14:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/educacion-financiera-quien-le-pone-el-cascabel-al-gato/</loc>
		<lastmod>2026-07-12T04:17:03+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2025/06/fila-de-chanchitos-ahorro-educacion-financiera.jpeg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/cartas-al-director/apuestas-en-linea-y-el-iva-digital/</loc>
		<lastmod>2026-07-12T04:18:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/adios-a-la-libreta-de-ahorro-como-la-gen-z-chilena-financia-desde-cohetes-hasta-tiqueteras/</loc>
		<lastmod>2026-07-12T04:18:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/finanzas-abiertas-en-chile-que-paso-con-los-plazos-y-que-viene-para-los-clientes/</loc>
		<lastmod>2026-07-12T04:29:11+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2025/11/cmf-finanzas-abiertas.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/el-quiebre-de-la-informacion-critica-a-la-intrusion-de-la-ia/</loc>
		<lastmod>2026-07-12T04:31:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/participacion-de-mujeres-en-la-industria-de-fondos-la-necesidad-de-seguir-avanzando/</loc>
		<lastmod>2026-07-12T04:32:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/la-confianza-en-el-telefono-esta-rota/</loc>
		<lastmod>2026-07-12T04:33:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/editorial-la-pechuga-de-pavo-que-ya-no-es-solo-pavo/</loc>
		<lastmod>2026-07-12T04:35:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/el-caso-cdf-una-sentencia-historica/</loc>
		<lastmod>2026-07-12T04:35:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/cartas-al-director/la-inversion-como-derecho-no-como-lujo/</loc>
		<lastmod>2026-07-12T04:36:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/por-que-chile-no-quiere-pagos-inmediatos/</loc>
		<lastmod>2026-07-12T04:36:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/la-interoperabilidad-era-el-sueno-de-bolivar/</loc>
		<lastmod>2026-07-12T04:36:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/dolores-que-matan-los-cinco-grandes-dolores-de-cabeza-de-los-cfos/</loc>
		<lastmod>2026-07-12T04:38:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/editorial-la-brigada-civil-de-vigilancia-tributaria/</loc>
		<lastmod>2026-07-12T04:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/chile-si-puede-liderar-en-la-adopcion-de-finanzas-abiertas/</loc>
		<lastmod>2026-07-12T04:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/cartas-al-director/exceso-de-burocracia-en-el-servicio-de-impuestos-internos/</loc>
		<lastmod>2026-07-12T04:39:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/wom-y-la-falacia-del-cuarto-operador/</loc>
		<lastmod>2026-07-12T04:42:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/por-que-pagar-duele-el-lado-oculto-del-placer-de-comprar/</loc>
		<lastmod>2026-07-12T04:46:26+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2022/11/pago-tarjeta-de-credito-online-cuentas-ecommerce.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/la-incertidumbre-de-un-mundo-sin-efectivo/</loc>
		<lastmod>2026-07-12T04:46:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/bonos-hibridos-una-atractiva-alternativa-para-emisores-e-inversionistas/</loc>
		<lastmod>2026-07-12T04:47:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/tokenizacion-una-oportunidad-para-chile/</loc>
		<lastmod>2026-07-12T04:47:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/cartas-al-director/carta-al-director-mas-educacion-financiera-es-mas-emprendimiento/</loc>
		<lastmod>2026-07-12T04:47:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/un-paso-decisivo-en-la-proteccion-de-los-derechos-tributarios/</loc>
		<lastmod>2026-07-12T04:48:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/opinion-chilean-way-y-su-not-record-en-sostenibilidad/</loc>
		<lastmod>2026-07-12T04:48:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/mas-turistas-desafian-a-las-pymes/</loc>
		<lastmod>2026-07-12T04:49:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/la-huella-digital-que-dejamos-estan-las-empresas-preparadas-para-protegerla/</loc>
		<lastmod>2026-07-12T04:50:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/la-importancia-de-acercar-el-mundo-de-los-seguros/</loc>
		<lastmod>2026-07-12T04:51:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/cartas-al-director/hacia-una-regulacion-financiera-flexible-y-eficiente/</loc>
		<lastmod>2026-07-12T04:51:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/tasas-de-intercambio-una-regulacion-de-precios-que-necesita-evaluar-sus-impactos/</loc>
		<lastmod>2026-07-12T04:52:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/la-verdadera-puerta-de-entrada-a-la-inclusion-financiera/</loc>
		<lastmod>2026-07-12T04:52:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/columna-de-opinion-ley-fintech-estamos-a-tiempo/</loc>
		<lastmod>2026-07-12T04:52:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/los-consumidores-estan-mas-conscientes/</loc>
		<lastmod>2026-07-12T04:53:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/opinion-rally-aumento-bitcoin-criptomonedas/</loc>
		<lastmod>2026-07-12T04:54:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/economista-jefe-de-fintual-opinion-ipc-inflacion-junio/</loc>
		<lastmod>2026-07-12T04:55:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/un-gran-desafio-por-abordar-en-el-dia-mundial-de-las-pymes/</loc>
		<lastmod>2026-07-12T04:55:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/columna-opinion-dia-internacional-del-reciclaje-tres-mandamientos-para-la-industria-tecnologica/</loc>
		<lastmod>2026-07-12T04:55:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/del-riesgo-a-la-posibilidad-cambiando-el-panorama-de-la-mujer-en-el-mundo/</loc>
		<lastmod>2026-07-12T04:55:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/alternativas-a-cornershop-analisis-opinion-apps-delivery-y-supermercados/</loc>
		<lastmod>2026-07-12T04:56:15+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2023/12/rappi-prime-plus.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2022/01/time-jobs-lider-walmart.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2023/06/supermercado-jumbo-carros-moneda-garantia.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/opinion-un-compromiso-con-la-movilidad-urbana/</loc>
		<lastmod>2026-07-12T04:56:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/opinion-embajadores-de-marca-consumo/</loc>
		<lastmod>2026-07-12T04:56:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/cartas-al-director/carta-al-director-brecha-digital-de-genero/</loc>
		<lastmod>2026-07-12T04:57:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/brecha-digital-en-los-adultos-mayores-un-desafio-pendiente/</loc>
		<lastmod>2026-07-12T04:57:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/opinion-en-palabras-sencillas-por-que-no-crecemos-economicamente/</loc>
		<lastmod>2026-07-12T04:57:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/alza-en-el-precio-del-aceite-no-lo-se-rick-parece-falso/</loc>
		<lastmod>2026-07-12T04:58:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/corral-del-contagio-que-ha-pasado-con-los-controles-del-minsal-al-ingresar-a-chile-por-el-aeropuerto-de-santiago/</loc>
		<lastmod>2026-07-12T04:58:57+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2022/03/mesones-minsal-aeropuerto.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2022/03/fila-minsal-aeropuerto.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/opinion-rappi-problemas-reclamos/</loc>
		<lastmod>2026-07-12T04:59:22+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2022/01/rappi-problemas.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/finanzas-educar-para-incluir/</loc>
		<lastmod>2026-07-12T05:00:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/la-urgente-evolucion-de-la-privacidad-en-whatsapp/</loc>
		<lastmod>2026-07-12T05:07:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/columnas/mil-productos-a-1000-ofertas-lider-2021/</loc>
		<lastmod>2026-07-12T05:07:55+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2021/10/price-is-right-barney-stinson.gif</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2021/10/mil-productos-a-mil-lider-3.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2021/10/detergente-ariel-mil-productos-lider.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2021/10/bebidas-mil-productos-lider-coca-cola-company.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2021/10/bebidas-mil-lider.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2021/10/cerveza-kuntsmann-1000-lider.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2021/10/cerveza-corona-mil-pesos-lider.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2021/10/estuche-chocolates-garoto.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/dos-fondos-la-misma-plata-distinto-resultado/</loc>
		<lastmod>2026-07-12T05:21:22+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2026/06/fondos-mutuos.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/lo-que-mueve-la-economia-paralela/</loc>
		<lastmod>2026-07-12T05:23:08+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2026/07/Susana-Jimenez-CPC-economia-ilicita.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://chocale.cl/opinion/editorial/el-proximo-paso-del-dinero-digital/</loc>
		<lastmod>2026-07-12T05:24:32+00:00</lastmod>
		<image:image>
			<image:loc>https://chocale.cl/wp-content/uploads/2026/06/Alberto-Naudon-vicepresidente-del-Banco-Central-2.jpg</image:loc>
		</image:image>
	</url>
</urlset>
<!-- XML Sitemap generated by Yoast SEO -->