22 June, 2017


En la tercera edición del evento Nuevo Dinero organizado por Pablo Wende, el pasado jueves 22 de Junio se dieron lugar los mayores referentes de la banca, las fintech y los medios de pago.

El evento comenzó con la presencia de Alberto Abad – titular de AFIP, quien comentó que si bien la economía digital crece, aún la bancarización en la Argentina es escasa.

Por su parte, Ramón Heredia Jerez, de ⁠⁠⁠Digital Bank Latam, afirmó que vivimos en un mundo digital con muchas plazas digitales como WhatsApp y Facebook (el “país más grande del mundo”). Esta revolución digital creó el petróleo del futuro que son los datos. “El revenue de las compañías se mide por los datos”-afirmó. Es así como hoy los grandes players están comprando información: Facebook compró WhatsApp para acceder al número de celular de las personas.

Otros ejemplos válidos son la compra de Waze a manos de Google y la de Weather Channel por parte de IBM. En este sentido, comentó que si la industria financiera hablara como lo hace Facebook, es decir, como un ecosistema, todo sería distinto.

En línea con la presentación de PagosPyme, el ejecutivo advirtió que “la principal amenaza para los bancos no son las fintech sino las redes sociales porque son las dueñas de los datos”-y agregó-“Las personas no quieren pagar, las personas quieren vivir. Pagar es solo una consecuencia de vivir”. Es por ello que las soluciones de social banking les permiten seguir disfrutando de la experiencia de los sitios que están navegando y pagar invisiblemente. Tal es así que si los bancos no ofrecen estas soluciones a sus clientes, las redes sociales ganaran el terreno.

Por su parte, Lucas Llach, Vice Presidente del Banco Central de la República Argentina, comentó que en términos de pagos se necesitan dos partes, el que paga y el que recibe. “Este es el gran desafío para el Banco Central, llegar a la instancia donde no aceptar pagos electrónicos deja de ser negocio”-declaró el funcionario, quien aduce que la “pata renga” del proceso de pagos electrónicos es la aceptación por parte de los comercios.

También comentó que el Banco Central junto con la Secretaría de Comercio establecieron las condiciones para un mercado más competitivo en término de tarjetas de crédito y débito. Hoy el arancel máximo por ley es del 3%. El Banco Central reguló la tasa de intercambio de manera declinante para los próximos años. En esta línea, y en relación a Prisma, Llach advirtió que los bancos deberán desinvertir en la compañía para dar lugar a un mercado más competitivo.

Asimismo, comentó que Debin (débito inmediato) es un nuevo medio de pago que va a permitir dar una autorización permanente de débito en cuenta bancaria, lo cual resulta de mucha utilidad principalmente para las empresas proveedoras de servicios recurrentes y sus clientes. El funcionario anunció que Debin estará disponible a partir del 13 de julio, fecha en que los bancos deberán estar adaptados para procesar estos pagos a través de home y mobile banking.


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