By: Gustavo Leaño, CEO of Niubiz
The digitization of the payment methods in Peru has been one of their most significant developments of the last few years. Indeed, the use of payment technologies, modern not only is changing the way in which the peruvians consume, but it also is democratizing access to financial services, especially to small and medium-sized enterprises (smes), which represent a fundamental pillar in the economy of the country.
Historically, but also today, the cash has been the predominant method in Peru. Despite the great efforts of the different actors in the market, there is still room for improvement in the indicators of banking and formalization in the market. The scanning, as a process which has been accelerating in recent years, has begun to change this picture. The convergence with other technological advances, such as the access to the internet and the spread of smart mobile devices such as phones and tablets, and they are allowing, in the last 2 years, the number of digital transactions per capita has doubled with respect to the previous years. This result has been driven in large part by the rise of digital wallets, which, in addition to traditional payments with credit and debit cards complement the product offering for transactional that the whole population can access the platform of digital payments market.
Studies of experts agree on the value generated by the acceptance of digital payments at small shops. The formalization of their business derived from the history of transactional information for later access financing on terms that are more favorable and run its growth projects, it is perhaps the most relevant. So, then, the digital payments play a role in implicit economic development and generation of social welfare.
In this context, in Niubiz we take with utmost seriousness and professionalism the role of being a key player that looks for all the days of the digital transformation of the payments ecosystem-peruvian financial. We believe that this task should be done with much rigor, but at the same time, with a sense of urgency to ensure that Peru continues to lead the first positions in the indicators of digitisation of payments in Latin america. Our duty is to continue our development agenda of payment solutions that are innovative, that will facilitate the adoption of technologies that simplify the purchasing experience for the consumer and to improve the operational efficiency for the business.
The implementation in Niubiz of the interoperability of the system of payments immediate peruvian is a clear example of this commitment. In a period of nearly 6 months, Niubiz enabled the interaction between the ecosystems of Yape and Plin, a key step in the agenda drawn up by the BCRP and allowed the consumer financial peruvian simplify your process transactional. In 2024 (estimated), Niubiz processed over 1 billion transactions interoperability breaking all records to estimate that we had raised, and which clearly demonstrate the value of innovation.
From Niubiz we will continue with the firm intention of being at the forefront in the ongoing transformation of the ecosystem of payments peruvian and reaffirming our commitment to help build a Peru more inclusive and modern.
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.