The growing importance of tokenization in digital payments

Tokenization of payments is helping to streamline settlements, without neglecting security...

The future of bank branches: physical and digital for financial education

The trend is clear: customers increasingly prefer virtual service, which is pushing banks to...

ISO 20022 : The new common language for global payments

This innovative payment messaging format promises to facilitate cross-border settlement by being...

The keys to excellent digital banking for businesses, from payroll to payments

  Payment processing is a pain point for business customers. By using technology to automate...

How UX Fosters Brand Loyalty in Financial Services

By: Omar Arab, EVP Corporate Business at Veritran The pandemic has shifted the way consumers...

Community banks: a digital opportunity to get (closer) to users

Fundamental for the development of local economies due to their proximity to customers and the...

Invisible finance, the evolution of digital banking services

By turning invisible, banks become customer-centric and more focused on helping them make better...

Banking as a Service: promoting business models between banks and their new allies

These concepts build connections between financial institutions and industries from retail to...

Superapps, the future of financial mobile applications

The integration of banking applications and wallets into multipurpose platforms with countless...

Banking as a metaverse enabler

Immersive finance will be pivotal in the development of this new virtual world, catalyzing...
The growing importance of tokenization in digital payments

The growing importance of tokenization in digital payments

Tokenization of payments is helping to streamline settlements, without neglecting security protocols. Here we explore what they offer and how they are developing Tokens are emerging as the leading technology for making money movements in a much safer, more flexible...

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ISO 20022 : The new common language for global payments

ISO 20022 : The new common language for global payments

This innovative payment messaging format promises to facilitate cross-border settlement by being agile and data-rich ISO 20022 is the new universal language model for cross-border payment messaging, created to facilitate the performance of financial institutions in...

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How UX Fosters Brand Loyalty in Financial Services

How UX Fosters Brand Loyalty in Financial Services

By: Omar Arab, EVP Corporate Business at Veritran The pandemic has shifted the way consumers interact with brands. Users are taking a more digital approach to complete the simplest task, from buying groceries online to using an app to connect with a physician. This...

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Invisible finance, the evolution of digital banking services

Invisible finance, the evolution of digital banking services

By turning invisible, banks become customer-centric and more focused on helping them make better decisions without interrupting their journey The main challenge for the industry is to make users’ financial lives easier. From easy payments to automatic savings, the...

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Superapps, the future of financial mobile applications

Superapps, the future of financial mobile applications

The integration of banking applications and wallets into multipurpose platforms with countless possibilities isn’t slowing down Superapps continue to gain ground and promise to revolutionize digital banking and financial mobile applications with offerings that combine...

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Banking as a metaverse enabler

Banking as a metaverse enabler

Immersive finance will be pivotal in the development of this new virtual world, catalyzing payments and other transactions that will be fundamental in the digital economy Firstly, it’s important to understand that the metaverse is an immersive digital world, where...

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Digital banking as a catalyst for narrowing the gender gap

Digital banking as a catalyst for narrowing the gender gap

Digital inclusion alone doesn’t achieve equity, but it can be a catalyst for achieving independence and social and economic empowerment for women It’s well known that women don’t have the same access to financial services as men. And sadly, the already considerable...

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Chip shortage: an opportunity for virtual cards

Chip shortage: an opportunity for virtual cards

Thanks to its convenience and security, digital plastic is emerging as the best alternative amid a lack of chips for physical cards.  One of the consequences of the pandemic has been disruption to several global production chains, including chips or semiconductors,...

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Crypto loans: the future of banking?

Crypto loans: the future of banking?

Banks are experimenting with decentralized finance (DeFi) and stablecoin loans backed by assets such as cash or soybeans. Currently, decentralized finance or DeFi is an open space where users access banking services without the need for an intermediary institution....

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Faster, easier: The keys to success of contactless payments

Faster, easier: The keys to success of contactless payments

Also known as proximity payments, they stand out for their versatility, speed, and security—and adoption continues to grow   Mobile proximity or contactless payments use a technology that allows payments to be made by placing a card, smartphone, or smartwatch near a...

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4 key components for a successful digital onboarding

4 key components for a successful digital onboarding

Digital onboarding is the client’s first experience with the company's products and therefore must be accurate, fast, and user-friendly  In a world where virtual transactions are growing steadily and users are demanding simpler, more intuitive, and more efficient...

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Offline Digital Payments: An Opportunity for Inclusion

Offline Digital Payments: An Opportunity for Inclusion

Internet connectivity remains one of the biggest barriers to the roll-out of electronic transactions in rural areas, despite efforts to narrow the infrastructure gap   The implementation of offline digital payments is a means to increase financial inclusion in rural...

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The hyper-personalization of online banking

The hyper-personalization of online banking

Efficient data handling and processing is an opportunity to offer users customized, flexible products  An impending challenge for banks is to tailor their product offering to the needs of each customer, drawing on proper data analysis in order to identify the demands...

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Neo-banks: 24/7 financial services

Neo-banks: 24/7 financial services

The growth of new players in the financial sector is a wake-up call for traditional banks, which need to adapt to the digital transformation process and avoid being left behind  Neo-banks burst onto the financial scene by targeting a very specific audience: the Gen Z...

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Buy now, pay later boom offers benefits for banks and users

Buy now, pay later boom offers benefits for banks and users

Digital payment by installment gaining ground in U.S. and Latin American financial markets  Among the new credit formats in digital finance, buy now, pay later (BNPL) has emerged as an accessible, attractive, and convenient solution that’s strategically available at...

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How does artificial intelligence help enhance banking data?

How does artificial intelligence help enhance banking data?

AI is emerging as a tool for leveraging information in a competitive banking environment As the volume of data in the financial sector grows, underlying technologies are evolving at the same pace. Among them is artificial intelligence, which is increasing its capacity...

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How banking is adapting to hybrid environments

How banking is adapting to hybrid environments

The combination of public and private clouds brings not only business opportunities for banking but also new security challenges Hybrid environments, where data interaction between private and public clouds is secure, are becoming increasingly relevant, as the advance...

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Digital banking as an ally for SMEs

Digital banking as an ally for SMEs

SMEs are the lifeblood of the global economy but still have an outstanding digital debt—one that they can overcome with the support of banks Small and medium-sized enterprises (SMEs) face many challenges, including digitalization to improve their processes and offer...

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Green banking: why is it important?

Green banking: why is it important?

With products such as green mortgages and loans for hybrid cars, the financial industry has joined the fight against climate change Given the seriousness of environmental challenges facing humanity, efforts aimed at combating the deterioration of the planet have...

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Digital Wallets: Four Trends for 2022

Digital Wallets: Four Trends for 2022

Wallets will continue to evolve by incorporating new features to facilitate everything from credit to investment. After a period of strong adoption, e-wallets will take a step further in addressing consumer needs, by incorporating everything from invisible collection...

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Biometric Payments: The Latest Advances for UX

Biometric Payments: The Latest Advances for UX

The development of digital channels with Low-Code technology brings fast, efficient solutions closer to users. The difficulty of developing software to enhance digital channels in a short space of time has been left behind with the implementation of Low-Code...

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Digital Lending: An Opportunity to Improve UX

Digital Lending: An Opportunity to Improve UX

Optimizing the onboarding process and analyzing alternative data allows personalized digital loans to be granted to more customers. Although the adoption of digital accounts has accelerated in the last two years, this hasn’t necessarily led to an increase in access to...

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Low-Code Platforms: Five Factors Worth Remembering in 2022

Low-Code Platforms: Five Factors Worth Remembering in 2022

The development of digital channels with Low-Code technology brings fast, efficient solutions closer to users. The difficulty of developing software to enhance digital channels in a short space of time has been left behind with the implementation of Low-Code...

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Decentralized digital identity: the road to ID control

Decentralized digital identity: the road to ID control

Decentralized identity allows banks to simplify the verification of users’ data while minimizing the risks. Historically, people’s identities have been analog, manifested in a piece of paper that attests to an individual's existence. But as we spend more time in...

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What will cross-border payments look like in the future?

What will cross-border payments look like in the future?

As banking migrates to more agile and open infrastructures, cross-border payments are becoming easier within a collaborative environment Although talk of digital banking is becoming increasingly common, the truth is that there are still services stuck in the past, and...

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Cash Decline: Four Opportunities for the Financial Industry

Cash Decline: Four Opportunities for the Financial Industry

Cash is still king, but digital payments are on the rise and are gaining ground. This forces banks to modernize and provide innovative, 100% digital solutions. By Marcelo Fondacaro, CCO at Veritran Cash continues to be the preferred method of payment for Latin...

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Mortgage Digitalization

Mortgage Digitalization

Due to their complexity, mortgages are the latest product to be digitalized, and the use of technologies can facilitate their migration. For years, mortgages have been a highly complex financial product with limited access, as they involve extensive contracts and...

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Why should banks issue virtual cards?

Why should banks issue virtual cards?

With the growth of online shopping, it’s necessary to improve the security of transactions and speed up purchases with a system that’s 100% digital The pandemic and the massification of new payment technologies have encouraged the transformation of traditional...

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Why should banks issue virtual cards?

The benefits of banks with virtual cards

With the growth of online shopping, it’s necessary to improve the security of transactions and speed up purchases with a system that’s 100% digital The pandemic and the massification of new payment technologies have encouraged the transformation of traditional...

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Four advantages of migrating core banking to the cloud

Four advantages of migrating core banking to the cloud

Storing core banking data in the cloud enables financial institutions to streamline their processes, improve efficiency and deliver a better user experience Cloud banking enables faster and more agile responses to banking users by storing and analyzing massive amounts...

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How are banking habits changing?

How are banking habits changing?

New banking users prefer smartphone access to finance, instant payments, and alternative and digital credit. Technology and the widespread use of smartphones have transformed people’s relationship with banking. Now, speed, technology, and personalization are setting...

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What to expect from Phase 3 of Open Banking in Brazil

What to expect from Phase 3 of Open Banking in Brazil

The third phase will allow Pix users to make payments outside of their bank’s platform, making digital purchases easier. The transformation of payment methods and the discouragement of cash is the backdrop for the third phase of Open Banking in Brazil, now with a new...

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Smart, predictive banking at the user’s service

Smart, predictive banking at the user’s service

The combination of data usage and analytics will enable banks to fine-tune their processes and customize their products to deliver tailored experiences. It’s a fact: consumer expectations aren’t the same as they used to be. From the speed at which groceries arrive...

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Are “financial supermarkets” the future of banking?

Are “financial supermarkets” the future of banking?

As financial services become unbundled, banks need an integration strategy, according to Manolo Sanchez, former BBVA Compass board member. It isn’t uncommon today for users to move from one app to another to make payments, transfers or manage their investments. New...

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The Future of Digital Wallets in Banking

The Future of Digital Wallets in Banking

Banks must take advantage of the opportunities offered by the open finance era to drive continuous improvement in digital wallets By Wagner Martin, Director of Business Development at Veritran Brasil Amid an unprecedented acceleration in the use of digital payment...

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Geolocation: Why Does Your Bank App Need It?

Geolocation: Why Does Your Bank App Need It?

Knowing where a digital banking user is can help contextualize the language used to communicate with them. It also improves security. In order to improve the personalization of financial products and services, the geolocation function in banking apps is emerging as a...

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Why Your Bank Should Join the Embedded Finance Trend

Why Your Bank Should Join the Embedded Finance Trend

Integrated finance represents an growth opportunity for banking, in addition to providing differentiating value to the customer experience The distribution of financial services is changing rapidly. Embedded finance is becoming an increasingly popular practice in the...

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Andy Tran