Open Finance in Colombia: From Compliance to Competitive Advantage
On April 7, the National Government enacted Decree 0368 of 2026, marking the official and mandatory start of the Open Finance model in Colombia. This milestone represents one of the most significant changes for the financial sector in recent years. More than a regulatory update, this decree redefines the rules of the game: it obliges […]
Passkeys in digital banking: how they prevent fraud
In the midst of a boom in digital attacks, passwords—weak, repetitive, forgotten—have become the weakest link in security. According to a global study by the FIDO Alliance, more than 35% of users had at least one account compromised due to vulnerable passwords in the last year, and 47% abandoned a purchase because they forgot their […]
AI and KYC: The new era of security and efficiency in payment methods
The rise of digital payments and fintech has transformed the global financial landscape, with Latin America at the epicenter. While digitalization offers significant benefits, it has also increased the risks of fraud and identity theft. In this context, KYC (Know Your Customer) and KYB (Know Your Business) processes are becoming essential to ensuring security, with […]
A digital bank card turns your app into a mobile wallet.
In Latin America, more than 60% of people already use digital wallets for their daily transactions, even surpassing physical cards in some countries.. This accelerated growth demands strengthening onboarding processes with technologies such as facial biometrics, automatic document validation, and liveness detection, which prevent identity theft. Integrating a digital card with Tokenization and control from […]
How Apple Pay, Google Pay, and Samsung Pay use tokenization on credit cards
Digital transactions are increasingly common and play a key role in financial inclusion. The way people make payments has evolved rapidly; in fact, an article in the Colombian financial newspaper La República notes that digital payments in Colombia grew by 67%, boosting the country’s economy. However, this growth also brings risks, such as fraud and […]
Issuing bank cards: a revolutionary experience
In an increasingly dynamic world of payments, seamlessly integrating multiple platforms and methods is essential. The key to standing out and leading the way? Issuing bank cards instantly, offering fast, secure, and effortless transactions. Therefore, it is crucial that companies implement frictionless payment methods, where the effort and time involved in the purchase process […]
Trends in payment methods for 2025
In Latin America, means of payment are undergoing an accelerated evolution thanks to digitalization and technological innovation. This year, trends such as the hyper-personalization of services, integrated financial ecosystems and the phygital experience have gained prominence. Looking ahead to 2025, these dynamics will continue to transform, setting the course for an increasingly innovative and connected […]
Digital card tokenization: advanced security for transactions
A study by Datacredit Experian revealed that more than half of people worldwide have been victims or know someone who has suffered identity fraud. The tokenization of digital cards is not just a trend, but a key security solution that allows users and financial institutions to perform transactions without compromising their data. The digitization of […]
Instant issuance of bank cards: cost savings and enhanced customer experience
Innovation in the financial sector has been key in recent years, driving the automation of processes to improve the customer experience, allowing them to avoid lines at branches and make payments quickly and easily, according to Asobancaria. The instant issuance of bank cards is part of this innovation, reflecting the ability of organizations to adapt […]
Open Finance: Driving the Era of Instant Payments
In just two years, debit cards have overtaken cash as the primary means of payment in Latin America, according to McKinsey & Co.’s report for the first quarter of 2024. Furthermore, seven out of ten adults in the region have already made or received payments through digital platforms, according to the Beyond Borders survey. […]