VNEXT (Remix)

In this episode, Vinicius Amorim, CEO of Tá Pago, drives us through the recent regulation changes in the country and their impact on payment habits. He also tells us why today it is less critical to forget one's wallet than the smartphone.

Fernando Turri, Gerente de Tecnología y Operaciones de Santander Argentina, nos explica por qué la principalidad del cliente y la personalización son vitales para la banca y cómo alcanzarlas a través de la tecnología como driver estratégico. Nuestro invitado evalúa el impacto de las distintas herramientas digitales en el negocio y nos cuenta de qué se trata el nuevo modelo de operación que ya es tendencia: las tribus.

In this episode, Jeff Keltner, SVP of Business Development at Upstart, breaks down the multiple changes in US consumers´ mindsets, from choosing debit over credit to borrowing through innovative installment-based schemes. Our guest also outlines the importance of pondering the “effort sensitive” factor when embracing digitalization and even unveils why good borrowers are more effort sensitive than fraudsters.

Ana María Tobar, COO de ADL Digital Lab, nos invita a explorar los recientes cambios en la regulación financiera en Colombia y las oportunidades concretas que traen para el sector. Nuestra invitada devela cuáles son los modelos de negocios infaltables que se desarrollan a partir del paradigma de finanzas abiertas y por qué se trata de una tendencia que llegó para quedarse.

Personalizing the banking experience requires much more than just grouping clients by age, says Daniel Kennedy, vice president for distribution at Scotiabank. Instead, the “hyper-segmentation” of clients into smaller groups according to behavior and interests can help improve their experience by offering more targeted communications and products. Daniel also discusses the importance of financial education for banking users and the role of trust in the digital ecosystem.

Pablo Pizzimbono, co-fundador y CEO de Clave, nos cuenta sobre las necesidades que detectaron para crear el producto y el camino de expansión que tienen previsto de la mano de Veritran. También, explica la sorprendente reacción de sus usuarios hacia su programa de recompensas por medio de tokens digitales y el potencial que ve en blockchain para los servicios financieros y la evolución de la plataforma.

Technology enabling digital credit evaluations has evolved considerably in recent years, turning what was once an innovation into today's table stakes, says Glenn Goldman, co-founder at Plurall and veteran leader and advisor to digital lenders. Glenn explains digital credit evaluation's "5 Cs" and why they are critical today. He also discusses how digital lenders can balance UX with credit analysis – and how that balance varies depending on the organization's culture.

Marcelo Fondacaro, Chief Commercial Officer de Veritran, nos cuenta cómo, a pesar del impulso de transformación digital que trajo la pandemia, aún existen instituciones bancarias que no se benefician de uno de los productos estrella del último tiempo: el enrolamiento digital. En este episodio, el referente de Veritran explica por qué la atención en línea 24/7 y poder dar de alta a un cliente en tres minutos es fundamental para la industria. También, describe la importancia de la venta consultiva y cómo a través de un onboarding digital eficiente, la banca puede enrolar a más usuarios en pocos meses que en toda su historia, disminuir sus costos hasta 50 veces y lograr tasas de conversión del 85%.

As fears of recession and inflation in the US rise, it's more important than ever for banks to continue investing in technology and teams – although they may have to re-evaluate their priorities, Jim Marous explains in this episode of VNEXT Remix. Marous also discusses why customer attrition rates are a poor indicator of loyalty among digital finance clients – and how banks can adapt to improve digital engagement. Jim Marous is a speaker and advisor on changes in the banking industry, co-publisher of The Financial Brand, owner & CEO of the Digital Banking Report, and host of the Banking Transformed podcast.

Angélica Arana, Payment Technology Transformation Head en Citibanamex y Coordinadora del Comité Fintech de la Asociación de Bancos de México, comparte sus aprendizajes sobre cómo lograr el éxito en la masificación de los pagos digitales. Además, conversa con nuestra anfitriona, Katie Llanos-Small, sobre el crecimiento de las finanzas descentralizadas, porqué es la tendencia más importante hoy en día, y cómo podría ser el camino hacia las monedas digitales de los bancos centrales.

The human touch in banking is critical, especially for community-focused institutions. In this episode of VNEXT Remix, Laurie Stewart, President and CEO of Sound Community Bank, headquartered in Washington State, explains why banks should leverage digital functions as much as possible for transactional business for bankers to take on a more personal, advisory role. Our guest also discusses the need to move quickly but efficiently to keep pace with new technologies, the importance of seamless integrations between different tools – and why not be afraid of significant changes.

Oswaldo Álvarez, Head of Engineering a nivel global para Scotiabank, comparte su visión sobre el futuro de la industria financiera. También detalla el rol de los asesores y las sucursales digitales como uno de los canales de atención más importantes, así como la relevancia de la banca abierta y tecnologías como blockchain.

Brazil has blazed the trail on open banking in Latin America, following best practices in the UK to establish a strong regulatory framework for data sharing – and greater competition – in the country. In this episode, Bruno Diniz, a leading Brazilian fintech and open banking expert, discusses the path ahead for open finance in Brazil – and what it means for the country's banks, fintech, and other financial services companies.

Belén von Buchwald, Digital Design Manager en Produbanco, cuenta su experiencia creando un equipo de UX para la institución, y los secretos de un investigación exitosa. También, explica cuáles son las tendencias de experiencias digitales y las claves para una interacción sin fricciones con los clientes.

The way we pay, borrow and save is changing fundamentally and rapidly. In this episode, Miguel Armaza, co-founder of Gilgamesh Ventures, discusses why embedded finance is re-writing the industry landscape and why he believes crypto is revolutionizing cross-border transfers. We also talked about the interplay between the evolution of financial services business models and technology advances and the opportunity to bring digital finance to small and medium-sized businesses.

Arturo Johnson, Gerente de División de Canales de Atención del Banco de Crédito del Perú, explica cómo las tendencias digitales ahora están influyendo a la experiencia del usuario en el mundo físico. También, conversamos sobre la importancia de la conveniencia para la provisión de servicios financieros, y sus expectativas para las sucursales bancarias en el futuro.

Marc Tempelman, co-founder of Cashbee, discusses the wealth tech opportunity in Europe. He also talks about the importance of simplicity in digital finance and the strategies for achieving that in a highly regulated environment. Also, Tempelman tackles why trust is critical for digital challengers in financial services.

Leonardo Di Nucci, CIO de Falabella Financiero, cuenta sobre la importancia de la personalización de la atención digital en la banca, y las nuevas formas en que las instituciones deben comunicarse con los clientes También habla sobre la evolución de los pagos – y sobre todo, los plásticos – en Chile y América Latina, y cómo la llegada de servicios como Apple Pay y Google Pay cambiarán el negocio de procesar transacciones.

Diego Garaycochea, Chief Operating Officer at Parser, discusses how CX trends are evolving in financial services, moving from digital adoption to social commerce – and looking ahead to the rise of the metaverse. Diego also talks about the evolution of digital payments and lending models.

Patricio Melo, Vicepresidente Ejecutivo de Medios en Davivienda, nos cuenta sobre las prioridades para los bancos digitales en este 2022, entre ellas, profundizar en banca abierta, seguir refinando el UX para el cliente, y ampliar el enfoque en la rentabilidad de los canales digitales. También conversa sobre la dinámica de colaborar y de competir con neobancos en Colombia, y el piloto de criptomonedas en curso en Colombia.

Spence Maclean, founder of BondAuction, explains the digital transformation challenges that exists in capital markets. He talks about how the bond issuance process can be democratized, with greater transparency and certainty for all parties, and discusses the different approaches that players are using to capture that opportunity.

Lorena Moya, COO de Banco Pichincha del Ecuador, nos cuenta cómo desarrollar una experiencia digital de alto nivel: desde la simplicidad de la interfaz hasta la importancia de poder resolver las necesidades del cliente en el primer contacto. También explica sus prioridades y expectativas para este año así como la importancia de la bancarización y las billeteras.

Oscar Muñoz, chairman of Worldwide Payments Services, discusses why he believes the world is on the cusp of a “renaissance” in digital payments technology. He talks about producing the “dream” digital payments infrastructure with the latest technology available today – cloud native, leveraging APIs, microservices and distributed processing - and what that could mean for payments companies. Oscar also fills us in on his best career advice, what's on his reading list – and when the world will stop using cash.

Francisco Léon, Chief Commercial Officer para América Latina en PayU, explica las cuatro tendencias más importantes que marcarán el sector de pagos digitales en 2022. En el primer episodio de esta nueva temporada conoce más sobre lo nuevo en pagos digitales: cripto, alianzas, medios de pagos locales y buy now, pay later.

In this special year-end show, Veritran's Jorge Sánchez Barceló discusses what should be on banks' Christmas wish-lists. Jorge is an expert in innovation and digital transformation who has led disruptive change at AT&T Mexico and Banorte, before joining Veritran in his current role as Head of Marketing & Communications. In this podcast, Jorge explains why wallets, digital onboarding, and tokenization are key technologies for banks to accelerate their digital UX – and why they should be on Christmas wishlists for financial institutions.

Javier Ramirez, Head of Digital Transformation at Banco Industrial, talks on the latest episode of Banking (Remix) how open banking is an opportunity for traditional banks to develop new customer acquisition and interaction channels. He also discusses with Katie Llanos-Small the importance of delivering digital financial services to SMEs, and bringing the whole bank along on digital transformation projects.

As customers' digital experiences get increasingly complex and sophisticated, financial institutions need to optimize their data management to deeply understand their clients – and serve them better, says Davi Cunha, Industry Executive for Financial Services at Microsoft Brazil. Davi also discusses the challenges and opportunities in open finance, and the critical role of digital identity in the future of technology, in this episode of Banking (Remix).

Becoming customer-centric is now “an act of survival” for financial institutions, says Ruben Galindo, CEO of Capital Tech and president of the technology and innovation committee at ASOFOM, Mexico's industry association for non-bank lenders. In this podcast, Ruben explains how the power of online reviews and feedback is creating a large base of highly-informed “power users” who demand better digital services from their financial providers. He also discusses the challenges ahead for financial institutions in the digital transformation process, including infrastructure limitations and the fast-growing competition for talent.

Digital financial solutions promise to help democratize access to banking, but implementing the technology can be complex and cumbersome for small and mid sized banks. In this episode of Banking (Remix), Nicole Elam, President and CEO of the National Bankers Association, discusses the technological changes that the US's minority banks are adopting – and what challenges remain.

From the globalization of retail finance to the importance of re-thinking customer experiences – all the while leveraging technology –Natalia Olson-Urtecho, Former Advisor to Barack Obama & Innovation Expert, sets out her views on the future of banking, in this episode of Banking (Remix). Natalia also discusses the role of regulators and public institutions in fintech advances and in encouraging banks to take more lending risks through collaborative processes – and why financial institutions should be thinking about innovation holistically.

Fintech startups frequently target and optimize single financial services. The result is that consumers face a growing choice of providers for almost everything that once was provided by a single institution. In this context, banks have an opportunity to become “supermarkets” for financial services, integrating and streamlining complex KYC processes for a multitude of single-product startups, says Manolo Sánchez, former CEO of BBVA Compass, on this episode of Banking (Remix). We also discuss why banks need to re-center themselves on their core purpose and what the rise of decentralized finance means for traditional financial intermediaries.

What are the indicators of success for banks as they embark on a transformation process to prepare themselves for the future? Digital finance transformation expert, Chris Skinner, explains his “litmus test” of the hallmarks for success, and failure, in this episode of Banking (Remix). Chris also discusses how the digital era is transforming governance and accountability for financial institutions, how open banking has evolved in reality (versus the expectations) and why banks should be thinking inter-planetarily.

As consumer finance channels evolve rapidly, traditional banks risk getting left behind if they can't execute digital transformation quickly, says Juan Miguel Guerra, Head of RappiCard, in this episode of Banking (Remix). Juan discusses strategies that institutions can employ to speed up the pace of change, from his experience in both fintechs as well as large banks. We also discuss how distribution channels are evolving, the role of alternative data sources, how banks are being unbundled - and what it all means both for established banks and new entrants.

What makes someone use a finance app? Mainly, because it's easy, studies show. In this episode of Banking (Remix), Greynier Fuentes, VP of Digital Solutions at Veritran unpacks what that means – and how banks can make their apps convenient and intuitive. We also discuss how consumer expectations of digital financial services are changing (spoiler alert: points and rewards don't cut it anymore), and the key role of IoT in upcoming products.

This is Banking Remix, the new podcast from Veritran. On this podcast series, our host Katie Llanos-Small - fintech expert and founder and editor of iupana - talks to leaders in digital finance about how traditional banking is being remixed and how it's being spun together with new technologies.