- hace 2 horas
Lo dice el presidente Ejecutivo de Colombia Fintech, Gabriel Santos, el gremio que reúne a todos los actores de base tecnológica que están operando en un sistema financiero que antes controlaban los mismo bancos de siempre. Ahora, esas compañías que hace una década no existían, han abierto el camino en la forma en la que los colombianos hacen sus transacciones, verifican sus datos, compran y venden en internet, solicitan un crédito, adquieren un carro o las vacaciones de fin de año. Y en esta entrevista para Emprendimiento y Liderazgo de El Espectador, habla de uso de IA para hacer más fácil la experiencia de usuario, la relación que están teniendo con el nuevo Congreso, lo que han podido echar a andar con la nueva administración de la Casa de Nariño, el reto de llevar esta transformación digital al campo y las muchas oportunidades que ven si el Estado usado Bre-b como mecanismo de distribución de subsidios para elevar el ecosistema financiero digital, pues el movimiento de plata en efectivo sigue siendo muy alta en el país.
Categoría
🗞
NoticiasTranscripción
00:00We are at a very important event in Colombia about finance and technology.
00:04and about how that can build a better society in Colombia.
00:08And that's what today's interview with my guest here next to me is all about.
00:18Gabriel Santos.
00:20Here we are again.
00:21What a joy.
00:23President of Colombia Fintech in the LATAN Fintech Market.
00:29Did I say it wrong, yes or no?
00:30LATAN Fintech Market, yes sir.
00:32LATAN Fintech Market.
00:32Listen, we met last year in this same place and a year later we're here.
00:36There are several things that caught my attention, but last year we talked about a financial tsunami.
00:42Correct.
00:43Well, I have to start there.
00:44There are new things, we have a new government, there's a new congress, but I want us to start there.
00:49What happened between last year and this year, since the financial tsunami was announced?
00:54Well, I think it's important to say, we prepared for that tsunami by thinking a bit about the change in
00:59government too.
01:01The final years of governments are not usually recognized as being the most innovative from a point of view
01:06regulatory,
01:07They arrive with very little political breathing room left.
01:09We knew that the chances of that being transformational in some way at that time weren't that great.
01:14We wanted to raise more awareness in society, in political campaigns.
01:20For us it was very important that this be discussed during the election cycle so that whoever came in would be, and who
01:26were,
01:26because it had some very important elements to achieve it.
01:30I think the opposite is true; perhaps the things that ended up happening in the last four years weren't so positive.
01:35The issue of open finances, the issue of withholdings that were never seen, etc.
01:39But I think that overall this puts us in a better position for what's to come.
01:45You're talking about, we're going to today's presentation, and it's clear, there's a new government,
01:51new financial superintendent, I speak after you.
01:54Vice President José Manuel Restrepo is coming, and I believe he understands very well the language you are speaking to them about.
02:01He was Minister of Finance, he was Minister of Commerce.
02:03I think he's a guy who really knows what he's doing in that regard.
02:06But you said something that caught my attention in your presentation, and more or less,
02:11that the State or government should be the largest user of brief.
02:16Because?
02:17Look, in Colombia we have a very high use of cash.
02:20That's not new; it's a diagnosis that hasn't changed in recent years.
02:23That's historic.
02:23Historically, it hasn't changed, it has even worsened at times like the pandemic, curiously enough.
02:29But we are seeing an ever-increasing participation of the State in the economy
02:33And we saw it become super strengthened in the last four years, where even at times
02:37State participation in the economy was greater than that of the private sector.
02:41And that means that the State is essential in this whole puzzle.
02:47The State distributes 8 trillion pesos in a few incomes.
02:518 trillion.
02:52From subsidies to the most needy people.
02:55We are talking about senior citizens, citizen's income, and VAT refunds.
02:59And those are the people who are trapped in the informal economy.
03:02They are the people trapped by a financial sector that doesn't take them into account.
03:06So, if the State becomes the main payer of short-term contracts, not just in terms of payroll,
03:09because we see that they are having, let's say, well, the State has a very important participation in the labor market,
03:13but above all in how it distributes its subsidies.
03:16Rental subsidies have now been announced to address the emergency.
03:20We can see that these people can change their consumption habits,
03:22not necessarily because they know they have to do it, but only because of the way they receive payments.
03:28A person who receives a digital payment is a person who has an incentive to make a digital payment.
03:32And we enter a virtuous circle where we suddenly manage to overcome what we are lacking,
03:37where there is heavy use of cash, and where we can leverage very little,
03:40which is the State, to generate those changes in a much more accelerated way than would happen in a
03:44normal scenario.
03:45It's a proposal.
03:46Finally, you as unions have to work to defend your members and also make proposals.
03:52What, for example, does the superintendent who heard you earlier say?
03:56What have they told you from those other offices there in the center of government?
04:00Well, for now we are giving them a chance to reach the government.
04:03I believe it's important that officials settle in.
04:07that the officials still be appointed, let's say, for example, the financial regulation unit,
04:10which is essential to this whole mechanism.
04:12But what we have heard, beyond specific terms in political matters,
04:16This is a sector they want to promote.
04:18That competition in the financial sector is an asset that this government wants to promote and encourage.
04:23And that's what we have to build within.
04:26We haven't built that particular agenda yet.
04:28Many of the officials, we shared time with them on campaigns
04:32our regulatory tsunami and the 122 proposals.
04:35So we're waiting for them to settle down before we start promoting it.
04:38However, we have already seen, for example, that projects very much in line with our ideology have already been presented in Congress.
04:43the elimination of the 4 per thousand payment to people who have different accounts in different entities under the same
04:50holder.
04:50So I think this is something that's going to start changing very quickly.
04:52Okay, let's talk about the ecosystem.
04:55And the same financial superintendent said that Colombia's is like the third largest in America
05:00Latina.
05:01You see big companies arriving, Revolut has just arrived, Nubank which was born in Brazil,
05:07Well, it's from a Colombian but it has the whole market here, in Mexico.
05:10And they announced a week and a half ago that they had already received approval in the United States.
05:15In other words, one understands that this thing is growing.
05:18What is the current state of the ecosystem and the fintech, financial, and technological world in Colombia?
05:23Well, I think we're in a very exciting moment where we have a large number of companies and a quantity
05:29of companies that are growing.
05:30But we are also at a moment where it is time to capture what we have built.
05:36We have seen other scenarios in Latin America that had a very good tailwind,
05:41who neglected the promotion of these new businesses and somehow the curve flattened.
05:48Colombia is on an upward curve where we see companies being born repeatedly with innovative business models,
05:53Companies raising money is a very good sign.
05:56We saw the ad for Juno, a company, a payment orchestrator for more than $46 million.
06:01We saw Dupla's announcement regarding housing finance, also several tens of millions of dollars.
06:08What we need is for the State to start providing incentives for what we are lacking.
06:11That the State begins to lend a helping hand, for example,
06:14We need to go deeper, so that more people can pay digitally.
06:17The State has to dig into its pockets and say, "I'm going to stop collecting withholdings from that guy."
06:21payments
06:21because it's more important that people use them.
06:23There are very high potential customers there, 80% of the population.
06:27We need to facilitate, for example, the import of silver.
06:30Can you imagine what a nightmare it is for an entrepreneur?
06:33The investment, you say.
06:33Yes, that's correct.
06:34In other words, we have seen investments abandoned because there has been no communication for more than 12 months.
06:42because the company's share was modified in the tenth decimal place.
06:46So we're seeing that there are things to refine that can help us bring in money faster,
06:50to generate more competition and to ensure we don't lose the tailwind and continue growing exponentially.
06:54What is a tailwind, Gabriel?
06:55I ask because one would say, the whole trend one feels with the new government
07:00They are truly focused on investment.
07:02And that is one of the tasks that the president of Esprella assigned to the vice president.
07:07In other words, almost nothing, growing at 6% of the Gross Domestic Product.
07:11But how do you ensure that this tailwind you speak of actually lasts and doesn't disappear?
07:16planar?
07:17Well, look, the nice thing is that the example is there.
07:19And this is not our own invention.
07:21Therefore, Colombia needs to grow at a much higher rate than it has been growing.
07:25And we are already seeing countries like Brazil, which in 10 years managed to add 1.6 trillion reais to its
07:30economy
07:31through the power of competition.
07:33There's a really nice study done by a consulting firm called Zeta,
07:36which takes into account the years 2016 to 2026.
07:38What happened to the Brazilian economy?
07:40Thanks to the investment of NUANC, C6, Interbank and others.
07:44And there's the figure.
07:45Brazil's GDP grew by 1.6 trillion dollars because they made the financial sector compete.
07:50So, we have a very low handle there.
07:52We've been talking about open finance.
07:53Let's develop them properly.
07:54We've been talking about interoperable payments.
07:56Let's scale up the innovation agenda.
07:57I believe that with this we will introduce a level of competition to the financial sector
08:02which will benefit users, ultimately bringing growth and economic expansion.
08:05So, there are some short mangoes there.
08:06which I believe the government can capture very quickly.
08:09You represent companies that are very large,
08:11very famous names,
08:12Javi, Bolt,
08:14These are companies that have built things from scratch and done them well.
08:17The financial superintendent said something interesting.
08:20He said, "We're doing well in the cities."
08:22Correct.
08:22But not in the rest.
08:24And Colombia is above all a country that is different from its cities.
08:28It's fine for those of us who are here in the cities,
08:29Today we are in Barranquilla,
08:31But what about dealing with members like yours?
08:34They are very good people, they have been trained abroad,
08:37has brought in technology from abroad,
08:38They have even taken it from Colombia to the world,
08:41to get to the field.
08:42The internet is, let's say.
08:43What is needed?
08:45Look, I think there are many things to be done here.
08:47I believe that the Colombian entrepreneur
08:49has always sought to attack
08:51those niches of neglected people.
08:53On credit, for example.
08:54In Colombia, we offer credit through a financial institution.
08:56around 35%.
08:58Placement?
08:59In the cities.
09:00Credit placement?
09:01Yes, that's correct.
09:01In the cities.
09:0212% are in the countryside.
09:04In other words, we have a very big problem in the cities.
09:07It's shameful in the countryside.
09:09Clear.
09:09So, look for the root cause.
09:12why we have not been able to attend to those people
09:13It is very important.
09:15So, from a payments perspective,
09:16We need to build on what Brazil is doing
09:18offline payments.
09:19Where internet latency is average or poor,
09:22Well, we have to offer a solution.
09:23so that people are not the cash
09:24and reduce access costs.
09:26Four per thousand and withholdings.
09:27Two things that increase the use of the digital economy
09:30in the countryside.
09:31In terms of credit,
09:32We need to rethink how we calculate risk
09:34of the people who are in dispersed rural Colombia.
09:36Yes, we can't all get the same treatment.
09:37No, how do we calculate that of a farmer?
09:39from the one who buys their supplies and sells them
09:41And sells the byproduct for cash?
09:44We need to do a different calculation
09:45and we need to be able to take more risk
09:46to address those pockets of poverty
09:48that have been historically neglected.
09:50For that, we return to the original discussion.
09:52We have to allow these companies
09:53that they bring more money abroad
09:54so that they can,
09:55with that money out,
09:56take more risks.
09:58Banks are legally prohibited
10:00in terms of taking those risks
10:01because they act as intermediaries for public savings.
10:03And it's good that they take care of him like that.
10:05But if we have such strict rules
10:07that makes that money capture
10:09does not need to be so safeguarded
10:11and so protected,
10:12So let's allow these others
10:13bring more money
10:14in an easier way
10:14so that they can take more risks.
10:16And if we have more money,
10:18we can take more risks,
10:19we can calculate the rates better,
10:21we can use offline products,
10:22Well, I think we can do that there.
10:23address those pockets of poverty.
10:25Gabriel, you have fought hard,
10:26I find it interesting,
10:27on the subject of 4x1000.
10:28What happened?
10:29How are they doing with that?
10:30Well, we've had conversations
10:31very encouraging with this government.
10:34From the point of view
10:35how we can do a gradual dismantling
10:37or at least
10:38How can we have an action plan?
10:40One thing needs to be understood,
10:404x1000 collected
10:42and between 14 and 16.5 trillion per year.
10:45And it's the tax
10:45which is easier to capture.
10:47That's a tax reform.
10:48It's a tax reform.
10:48That's exactly what they've been.
10:49an average
10:50in the last 10 tax reforms.
10:52And it gets worse
10:53because it is very easy to capture,
10:54because the banks
10:55They are obligated to collect it
10:57for each transaction.
10:58The citizen doesn't have to do anything,
10:59The State neither
10:59And his little check arrives.
11:00So nobody feels it.
11:01No, easy.
11:03But the reality is that
11:04We need an action plan.
11:05Understanding the emergency,
11:06We know that's not going to happen
11:07in the immediate moment,
11:08but with an action plan
11:09that one can say
11:09a gradual dismantling
11:11or disassemble it
11:12in certain specific segments.
11:13For example,
11:14in accounts belonging to the same person
11:16or for example,
11:17GMF interoperable
11:18which is now law
11:18and it has not been applied.
11:19I think if we start
11:20to do those things
11:21where people begin
11:22to get used to
11:23and to know that there is a world
11:24without 4x1000,
11:25we can start breaking
11:26that mental framework
11:27to the politicians
11:28that this needs to be left behind
11:29And it's easy to have,
11:30but it's better
11:31on the other hand
11:32let the assets
11:34grow
11:34via the digital economy.
11:36You said at the beginning
11:37from the interview
11:38when we were talking
11:38of the financial tsunami
11:39which had been
11:40Let's say the right moment
11:42because it was traffic,
11:43It was already the exit
11:43of a government
11:44and also the exit
11:45of a congress.
11:45And there is a new government.
11:47From what I hear
11:48Things are going swimmingly
11:49And what about Congress?
11:51because finally
11:52by Congress
11:52They also have to cross
11:55many of the changes
11:56of which you
11:57They've been asking for years now.
12:00What's going to happen
12:01in Congress?
12:01What do you think of that congress?
12:02And do they see it aligned?
12:04I see a congress
12:05very positive
12:06and with them
12:07Yes, we have an agenda.
12:08much more aggressive
12:08because they already have
12:10one more month
12:12and we have had
12:13some conversations
12:14already very productive
12:14in terms
12:15digital housing,
12:17in terms
12:17of crypto assets,
12:19in terms
12:19modernization
12:20of the payment system,
12:21we have already had
12:22many breakfasts
12:22with them
12:23And there's one thing
12:24very pretty
12:24There is an agenda
12:26multi-party
12:26of congressmen
12:27young men and women
12:28that are played
12:29with this agenda
12:30and so?
12:31It didn't happen in the past
12:32because in the past
12:33We had no mourners,
12:34We didn't have one who understood
12:35But whoever wanted to take the risk,
12:37We didn't have the one he wanted.
12:38to take over the agenda,
12:39I think it's wonderful here.
12:41I mean,
12:41You will see here
12:42a curgo of congressmen
12:44learning,
12:45This is the event
12:47where it sounds strange
12:48But the congressmen
12:49They didn't come to talk,
12:49They came to listen
12:50And that seems divine to me,
12:52I think it's divine
12:53because they want to learn
12:54from a different world
12:55and the way
12:56that we achieved
12:57to win their hearts
12:58and the brain
12:59to the congressmen
12:59of all parties,
13:00This country is starting to change
13:01And we are seeing it,
13:02We are seeing it materialize
13:04with congressmen
13:05calling to ask
13:05Listen,
13:06I want to get involved
13:07in this agenda
13:07digital identity,
13:08Who is speaking?
13:09digital identity?
13:10He does it backwards,
13:10nobody,
13:11come on,
13:11We sat him down here
13:12at this event
13:12with the lads
13:13and you keep building
13:13your agenda
13:14And I give him my full support
13:14that you may need,
13:16then it has been
13:16a very beautiful moment
13:17with this congress,
13:18We haven't been here long, of course.
13:19But I think we have
13:21a political consciousness
13:22different
13:23at this congress
13:24which will be very useful to you
13:25not us
13:26but to the country.
13:27I want to ask you
13:28That's why it's
13:29behind us,
13:29the event,
13:30you take,
13:31I think that's it.
13:32has given you gray hairs
13:33but the thing
13:36It's going well.
13:37I came last year
13:39this year
13:39I see it as fuller
13:41Well,
13:42There are other protagonists
13:43there too
13:43are being addressed
13:45some topics
13:45that although they seemed
13:47from last year
13:47what happens
13:48because they are necessary
13:49today,
13:49I want to ask you
13:50for the event,
13:51How has it been?
13:52to achieve this event
13:53again?
13:53How has it been?
13:54lead a sector
13:55that ultimately
13:56is going
13:57against the current,
13:58rowing against
13:59traditional banking
13:59which is not easy
14:01And what has happened?
14:03in these years
14:05of leading
14:05a sector
14:07which for me
14:07It is absolutely innovative,
14:09It is disruptive
14:10but also
14:11has a lot
14:11of obstacles
14:12at the front?
14:13I think that
14:14first
14:15We enjoyed it.
14:17a lot
14:17I mean,
14:17the team
14:18from Colombia
14:19Finte
14:19which is a team
14:19very young
14:22mostly
14:22women
14:22We are three men
14:23and thirteen women
14:25we had fun
14:26doing this a lot
14:27I mean,
14:28to achieve this event
14:29and one arrives
14:30and see it
14:30and see people
14:30happy
14:31see people
14:31making connections
14:32important
14:33see people
14:34eagerly
14:34to learn
14:35I was just watching
14:35We are recording
14:36a podcast
14:36live there
14:37and there were people
14:37with notebooks
14:40taking notes
14:41That is the purpose
14:42of what we do
14:43and when one sees
14:44that the purpose
14:45of sleep
14:45that one has
14:46in a country
14:46it is fulfilled
14:47in one thing
14:48which may seem
14:48so cosmetic
14:49as an event
14:49Well, it's gasoline.
14:51to work
14:51by these entrepreneurs
14:52for helping them
14:53so that they can
14:54succeed
14:55and achieve their dreams
14:56and change the country
14:57then does one thing
14:58very encouraging
14:58to see that there is an answer
14:59we suffer
15:01we cried
15:02this
15:02I mean,
15:02This is not nature.
15:03of a guild
15:04to do events
15:05And we do it.
15:07But it's very pretty
15:08I mean,
15:08this became
15:09as in a
15:09on a stone
15:10nerve center of the ecosystem
15:11as in the cornerstone
15:13about which
15:13everything is built
15:14pass here
15:15It happens two days a year
15:17and see then
15:18that there is an answer
15:19that there are more and more people
15:20that there are more sponsors
15:21that more speakers
15:22they want to come
15:22Well, I think so.
15:23that a vote of confidence
15:24beautiful
15:25to what the union is doing
15:26and what he's doing
15:26the ecosystem
15:28and lead this ecosystem
15:29these three
15:30these last four years
15:31Well, it's been a dream.
15:32because
15:33and it was a dream
15:33which seemed
15:34quixotic
15:35in 2022
15:36really Gabriel
15:37I swear
15:37I was saying, how am I going to do it?
15:38There were six of us
15:40We didn't have a penny.
15:41And I was saying
15:41How am I going to win?
15:43I have a political discussion
15:45with players
15:46that have been going on for 150 years
15:47serving the market
15:48Colombian
15:48the banks
15:49with guilds that carry
15:50100 years
15:51taking those into account
15:52150 years
15:53and when one stops
15:55then
15:55I was quixotic.
15:57It was almost a joke
15:59But there's one thing
16:00very pretty
16:01that unites everything
16:02the Colombian team
16:03the pint here
16:03It is a purpose
16:04to change the country
16:05I have been able to
16:06recruit
16:07to a talent
16:07beautiful
16:08not based
16:08How much do we pay them?
16:09good if they work
16:11from the office
16:11or not
16:12if it's not that
16:12wants to come
16:13and conquer the world
16:14transforming the country
16:15and we found
16:1614 personalities
16:18very cool
16:19that make me
16:20can do what I do
16:21But they are much better.
16:22in what
16:22in what I have set out to do
16:24that help me
16:24to communicate better
16:25to improve regulation
16:27to sell more
16:27to be closer
16:28to make events cooler
16:29and when that guy
16:30Things happen
16:32I think that
16:33Well, one works
16:34very happy
16:35and with purpose
16:35and can assume
16:36bigger dreams
16:37Well, there it is, interesting.
16:38and above all
16:40It seems like it too
16:41a business venture
16:42It seems like it started
16:44because it started from scratch
16:45And there it goes
16:46and the result
16:47of entrepreneurship
16:48We're looking at it
16:48back here
16:49How many guests?
16:50How many people?
16:51This is my business venture
16:52this year
16:53Well, it's growing a lot.
16:55curiously right now
16:56I was checking
16:56and it happens
16:57Today we are selling
16:58many ballots
16:59which doesn't happen
17:00right now
17:00We are selling
17:01many ballots
17:01I would say we're going to be
17:03above 2,300
17:042,300
17:05I don't know how many of us will arrive
17:07But this morning
17:08I thought we were going to be
17:09around 2,100
17:11We were already here.
17:12in 2,200
17:12I think we're going to make it
17:13the 2,300 people
17:14Well, this looks promising.
17:15Now I want to tell you
17:16Gabriel
17:16Well, if one feels
17:18that this is already
17:18in everyday life
17:19of many people
17:20however
17:21that data that you
17:22He leaves it, no, no, thinking
17:23And that's because not that many people
17:24as one believes
17:24They are in the digital ecosystem
17:26paying
17:26having the service
17:28and so on
17:28the news
17:30of this week
17:30For example
17:30Dale announced
17:32which is about to begin
17:33to
17:35that its users
17:36buy dollars
17:37and euros
17:38and the speech
17:39that we've always been told
17:40those who are
17:41on stage
17:41FinTech
17:41That's it
17:42has helped him
17:42to protect
17:43of inflation
17:44But he gives a piece of information
17:45the president
17:47yesterday see
17:47the CEO
17:48by José Manuel
17:49yesterday see
17:49and said
17:50is that our biggest
17:51number of users
17:52They are people
17:53between 12
17:54and 32 years old
17:55obviously
17:56minors
17:57They can't
17:58But there are minors present.
17:59wearing
17:59I want to ask you
18:01that's why
18:01and it is
18:01how to
18:02minors
18:04sorry
18:04young people
18:05They already understand this perfectly.
18:06They don't go around with
18:08bills in pocket
18:09with the cell phone
18:10and with the watch
18:11How to make him understand
18:12This to people
18:12a little older
18:14that it is possible to walk
18:15in a country like this
18:17without money in his pocket
18:18And really
18:19no one will be stranded
18:20as the grandmothers used to say
18:21Well, it's a topic
18:22very worrying
18:23because
18:24It's still very much a thing
18:24a figure
18:25that by the year 2050
18:26one out of every two Colombians
18:27It's going to be bigger
18:2950%
18:30We're talking
18:32correct
18:32And that poses a challenge.
18:34where I believe
18:35that we have to leave
18:36to underestimate
18:38the capabilities
18:38of adults
18:39in Colombia
18:40of the elderly
18:41because
18:42digital adoption
18:43It doesn't come exclusively
18:44due to a population change
18:46but it comes because
18:47offer services
18:48that people
18:50really need
18:51and that they are easy
18:51to use
18:52And we have seen it
18:53as if without much effort
18:55That has been changing.
18:57because the industry
18:58is offering
18:58not what
18:59one believes they must have
19:00but what people
19:01is asking
19:02And here I refer to
19:03an indicator
19:04which I think is very positive.
19:05is
19:05what percentage
19:07of the transactions
19:07from a Colombian
19:08with your financial institution
19:09are done through
19:09of a face-to-face environment
19:10and through a medium
19:11non-face-to-face
19:11and how they are growing
19:13the two
19:14that one might say
19:15It's a way
19:15to take his temperature
19:16how we consume
19:18Well, the reality is...
19:19It's already 7
19:20out of every 10 transactions
19:21are done through
19:22from a non-face-to-face medium
19:23that is to say
19:24through applications
19:25and other things
19:26but more importantly
19:27It's still growing
19:28four times
19:29three times faster
19:30sorry
19:30the transactions
19:31through media
19:32non-face-to-face
19:32which in-person means
19:33So there's something
19:34beautiful
19:34What's happening?
19:35It comes very jerky
19:36also through offers
19:37They come for the deals
19:38let's say more competitive
19:39that they take into account
19:40other people
19:41that a person is looking for
19:42let's say older
19:44that it may have
19:44let's say investments
19:46that can be made available
19:48your pension
19:49that may have access
19:49on credit
19:50to support
19:51economic shocks
19:53people
19:54who are already retired
19:55that can travel
19:55in a more efficient way
19:56access to benefits
19:57people
19:58let's say in the countryside
19:59that they may have
20:00in rural Colombia
20:00scattered
20:01that they can have access
20:02to remittances
20:03with less intermediation
20:04there is a quantity
20:04of very beautiful things
20:05which I believe
20:06They are being cared for
20:06through the market
20:07and that to the extent
20:08that one stops thinking about them
20:09as incapable
20:10to the elderly
20:11but as a lack
20:13of offers served
20:14for them
20:14I don't think he can there.
20:14pairs very well
20:15those worlds
20:16Interesting.
20:16Okay, and with this
20:17we're finishing up
20:18Gabriel
20:18It's artificial intelligence
20:20of course
20:21I'm going to ask him
20:22in this interview
20:23what does that have to do with it
20:23with technology
20:24with finances
20:24on topics
20:25artificial intelligence
20:25and beyond chaos
20:27or the crisis
20:28that they tried to sell us
20:29I want to ask you about that.
20:30How are they inserting
20:31artificial intelligence
20:33in fintech
20:34at least
20:35They operate in Colombia.
20:36or that are already arriving
20:37to Colombia
20:37to make it easier
20:38life to people
20:39to reach more
20:40people
20:41to have penetration
20:42stronger
20:43suddenly
20:44as a strategy
20:45to get to that
20:45Deep Colombia
20:46that they were telling us about
20:47that we are not
20:48is genuinely
20:49is genuinely
20:49extremely important
20:49But we're seeing
20:50several trends
20:51in terms of use
20:52artificial intelligence
20:53I think that
20:53the first
20:54or perhaps
20:55that first wave
20:55that's how we find
20:56internal efficiencies
20:58in the teams
20:58in order to be able to transmit it
21:01those efficiencies
21:02to the user
21:02I mean
21:03how can we
21:04delete tasks
21:06redundant
21:07and reduce costs
21:08access
21:08to the users
21:09that, let's say
21:10It's like that first wave
21:11But we're already seeing it.
21:12some topics
21:12customization
21:14very cool
21:14we are seeing
21:15For example
21:15hyper-personalization
21:17in financial services
21:18in marketing campaigns
21:20directed
21:20today we are used to it
21:22to the commercial
21:23who thinks he's talking to him
21:24everyone
21:25And he doesn't talk to anyone.
21:26we are seeing
21:26targeted campaigns
21:27from Edwin
21:28Do you like to run?
21:29Why would I offer him?
21:30to you an educational service
21:31if suddenly
21:32You have already finished studying
21:33Why not better
21:33I offer it
21:34so that a trip can be made
21:35to run the Cali marathon
21:37that type of hyper-personalization
21:39that type makes that type profitable
21:40services
21:40and it arrives much more easily
21:41but hyper-personalization
21:43It also comes, for example,
21:44on the savings side
21:45on the liabilities side
21:46Edwin
21:46He likes to run
21:47wants to run
21:48the Cali marathon
21:49I know that you
21:49They get paid X per month
21:51because we don't separate
21:52a silver
21:52and we invested it
21:53so that next year
21:54we can go for a run
21:55the marathon
21:55We're already seeing that.
21:56so that next year
21:57you can go for a run
21:58the Cali marathon
21:59the interfaces
22:00from banking institutions
22:03They're going to change
22:03nowadays
22:04We all came in for the same reason
22:05so let's say
22:06You are more concerned
22:07see how their stocks are doing
22:08But I have to do
22:09a payment
22:10every day
22:11Why are we having
22:13The same interface?
22:13Of course, because we have to get there
22:14to the same face
22:15exact
22:16Now that's starting
22:17to change
22:17And you'll see
22:18at the same financial institution
22:19a very different reality
22:20which you will be able to see
22:21to you
22:21clear
22:23It's best if you come in.
22:23and that the first
22:24that shows him
22:24is your entity
22:25That's how their stocks are doing.
22:26but for me it's better
22:27that I go through the channel
22:28payments
22:28and that they know
22:29the 10 people
22:29whom I will pay
22:30fast
22:30And all of that is thanks to
22:31to AI
22:32All of that is thanks to
22:32to AI
22:33to have access
22:34a disaggregated macrodata
22:35and be able to work on it
22:36And we'll see.
22:37I believe that the great competition
22:38who wins
22:39if what I just told you
22:40It sounds wonderful.
22:41Not everyone is thinking about that.
22:42I'm going to stay
22:43at the bank
22:44that offers me something like that
22:44and not that it makes me enter
22:46in the same entity
22:47that lets everyone in
22:48Yes, finally
22:49user experience
22:50Well, Gabriel
22:51thank you
22:51What more can I say?
22:52Thank you very much
22:53for being here
22:54We could continue talking here.
22:55I think we could talk
22:56open finance
22:57again from the 4x1000
22:59of the triangle you speak of
23:00in the presentations
23:02But I understand.
23:03that there is an agenda
23:03for the whole day
23:04correct
23:05And thank you, obviously.
23:06for getting into it
23:07to an entrepreneurial venture as well
23:09this
23:09which is a space
23:10to talk about entrepreneurship
23:12about something that sometimes
23:13one doesn't believe
23:14And look what's happening
23:15Well, this is
23:16look
23:16This is the spearhead
23:17to transform finance
23:18in Colombia
23:19We'll continue here
23:19giving this battle
23:21Gabriel Santos
23:22thank you so much
23:23very kind
23:23You already know that this information
23:24It is saved on YouTube
23:26for all consumers
23:28free of charge
23:29and we also do
23:30a text version
23:31for our subscribers
23:32See you next time!
23:33see you soon
Comentarios