The objective of this research article is to analyze the technological financial innovation and its evolution in the Colombian banking industry and the risk of cybersecurity or technology as an event of operational risk, involved in the process. The methodology used is of a qualitative nature, mainly focused on a deep technical documentary review on the subject of technological financial innovation. The results show that financial innovation brings with it different risks that could arise in Colombian banking and that are necessary to mitigate to avoid the financial instability of the industry. In order to reach this conclusion, the different innovations in the subject and associated risks are analyzed, which have been presented at an international level and which could be presented in Colombia.