By: Gustavo Leaño, CEO of Niubiz.
The digital transformation has revolutionized the way we interact with money, and the rise of electronic payments is perhaps the most significant change that we have seen in the last decade. From the purchase of goods and services up to the execution of international transactions, use of credit cards, digital wallets and other forms of electronic payment has become an essential part of our daily lives. However, this change, although positive in many aspects, it has also brought with it a series of challenges, especially in terms of digital security.
The security in electronic transactions is a critical issue that should not be underestimated. As the volume of these transactions increases, so does the risk of fraud. Scammers are becoming increasingly sophisticated, taking advantage of any vulnerabilities in payment systems to perpetrate their illegal acts. It is in this context where the strategies are not only relevant, but essential.
Niubiz has shown that it is possible to significantly reduce the risk of fraud in digital transactions. This achievement is the result of a comprehensive strategy that combines advanced technology with an effective collaboration between all parties involved in the payment process. Thanks to these measures has managed to maintain an effective control of the fraud, providing greater security for both businesses and users.
The implementation of monitoring systems and multichannel tools of risk analysis in Niubiz has allowed to detect and block fraudulent activities before they are realized. These systems are not static; they evolve constantly to adapt to new threats. In this sense, the controls as the rules of speed, the morphing and the thresholds are not only tools, but rather part of a dynamic approach to security.
However, the technology is advanced, that is, it is not everything. The effectiveness of any security system depends in large measure of the human ability to interpret the data, and adjusting strategies and make quick and accurate decisions. In Niubiz we have not neglected this aspect. The continuous training of our teams in charge of the prevention of fraud, along with the ability to make decisions in milliseconds, it is essential to maintain the integrity of our system.
Digital security in the era of electronic payments is a challenge that continues to evolve. Companies looking to stay ahead of the curve must be willing to invest not only in technology, but also in the training and development of their teams. Today, more than ever, trust is key, and ensuring the integrity of digital transactions is, without a doubt, a priority.
Economista de la Pontificia Universidad Católica del Perú. Es Máster en Economía por Cornell University (Nueva York, Estados Unidos) y también cuenta con estudios de Doctorado en Economía en Cornell University (Nueva York, Estados Unidos). Ha realizado cursos y seminarios de especialización en gobierno corporativo, mercado de capitales, banca, finanzas y dirección empresarial en Harvard Business School de la Universidad de Harvard (Boston, Estados Unidos),en Yale School of Management, en Wharton School de University of Pennsylvania (Filadelfia, Estados Unidos), McDonough School of Business de Georgetown University (Washington D.C., Estados Unidos), U.S. Securities and Exchange Commission (Washington D.C., Estados Unidos) y en la Federal Reserve Bank of New York (Nueva York, Estados Unidos). Ha sido presidente y miembro de directorios de empresas privadas y públicas. Vasta experiencia en mercado de capitales, pensiones y sistema financiero; principalmente en dirección y gerenciamiento de proyectos y de entidades reguladores. Cuenta con experiencia en brindar apoyo técnico a instituciones microfinancieras y asesorando en licenciamiento de empresas Fintech y Entidades financieras digitales.
Abogada por la Universidad Peruana de Ciencias Aplicadas, quien ocupó los primeros puestos durante su desempeño académico. Cuenta con más de 10 años de experiencia en asesoría regulatoria bancaria y transacciones financieras de muy diverso tipo, con énfasis en financiamientos con entidades financieras locales y extranjeras.
Abogada con sobresaliente por la PUCP, tiene una Maestría en Derecho (LLM) con especialización en Derecho Bancario y Financiero por Queen Mary University of London. Además, Karina tiene un Diplomado en Mercado de Valores y Finanzas Corporativas por la Universidad ESAN.
Abogada por la Pontificia Universidad Católica del Perú (PUCP), experta en regulación bancaria, financiera y FinTech. Master Ejecutivo en Nuovo Istituto di Business Internazionale, Milán, Italia. Cuenta con más de 15 años de experiencia tanto en el sector privado y público. Ha trabajado 7 años (2005- 2012) como Analista Principal del área legal en la SBS (Superintendencia de Banca, Seguros y AFP) revisando el cumplimento de las normas de conducta de mercado por parte de las entidades supervisadas”.
Abogada por la Universidad de Lima, con maestría en derecho (LLM) y mención en derecho financiero en The London School of Economics and Political Sciences. Experta en regulación bancaria, financiera y FinTech, promotora de la innovación e inclusión financiera y de la aplicación de nuevas tecnologías para el desarrollo de la industria financiera.