Digital transactions based on wallets or smartphone apps acquire traction in Latin America and allow millions of users, previously marginalized from those services, to join the banking sector.<\/p><\/blockquote>\n
<\/p>\n
Thousands even millions of young people around the world are joining the banking system every day, “and none of them are thinking about having a credit card in their pocket, most of them are looking to have everything on the phone in a virtual way,” in an interview with Forbes M\u00e9xico, Marcelo Fondacaro says it all, who is the commercial director of VeriTran, a leading Argentine firm in digital banking solutions.<\/p>\n
This banking process is also becoming more and more accepted by the governments of the world, especially those with developing economies, as a way of social inclusion, he states: “If we only take into account those who have credit cards, which is 30% of the population in some countries in the region, we are just offering a means of payment for a certain class of people, but when governments begin to go down in the pyramid and provide services to other people, for example, digital payment methods, there is a social inclusion.<\/p>\n
This acceptance process, while advancing, it still has a long way to go. “There are studies that report a growth of 30% per year, although it is slower than other areas, such as digital banking, especially mobile banking, is very interesting because we are moving from the physical to the virtual world, in other words, instead of paying with cash or with a card, we are paying with virtual cards, mobile payments or wallets\u201d, Fondacaro says.<\/p>\n
Veritran knows a couple things about this issue. It is one of the few digital payment companies that has been endorsed by both Mastercard and Visa for payment tokenization; it works with 37 banks in the region and, through its platform, have completed more than 4 billion transactions “with zero frauds”, the director highlights.<\/p>\n
The core of Veritran’s business is security, one of the most critical topics when it comes to mobile payments, and a challenge for the adoption of this technology. “Any new entrepreneurship poses a challenge and certain insecurity for the people who use it. The credit card has been in the market for 40 years and still does not reach 100% of the population,” Fondacaro said.<\/p>\n
The commercial director adds that, although the models now thought for the mobile device and applications for the cell “are much safer and inclusive than the physical means, people distrust by ignorance”, nevertheless, that will be overcome “once people realizes that they are safe, that there is no fraud in their transactions, that a virtual card cannot be cloned, which will generate an increase in transactions”.<\/p>\n
Such increase is taking place naturally; Veritran expects that next year, the number of transactions will grow by 50%.<\/p>\n
Does that mean that we’ll say goodbye to cash soon? No, says the director, “The first thing is inclusion; governments must undertake actions that are inclusive; they have to join people to processes in a digital way.” The next thing that is needed is an environment that includes those who acquire the transaction, small businesses, “most projects think of the end user but do not consider the one who collects the payment, the transaction, when you create a serious environment of payment acceptance, that\u00b4s when cash will diminish,\u201d Fondacaro adds.<\/p>\n
<\/p>\n
Source:<\/strong> Forbes.com.mx<\/a>","protected":false},"excerpt":{"rendered":"Digital transactions based on wallets or smartphone apps acquire traction in Latin America and allow millions of users, previously marginalized from those services, to join […]<\/p>\n","protected":false},"author":5,"featured_media":2593,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13,12],"tags":[],"class_list":["post-2583","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banca","category-medios-de-pago"],"acf":[],"yoast_head":"\n
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