Por Antonio Rolando, CEO de Kashio
La transformación digital y la innovación están ganando terreno en esta década, especialmente para la tercerización de servicios financieros, en donde las áreas de pagos y recaudación, tienen la oportunidad de optimizar los cobros mediante la disminución de costos operativos y reducción de los pagos morosos de sus clientes.
Por medio de la automatización en los procesos de cobranza y el uso de sistemas y software especializados, hoy en día se puede enviar recordatorios de pago, generar facturas, gestionar pagos recurrentes, y elaborar informes de manera sistemática; disminuyendo la intervención humana. Siendo esta última, una situación que cada vez es más habitual.
Una de las principales ventajas de esto es la reducción de errores y la mejora de la eficiencia, ya que esta tecnología garantiza una mayor precisión en el cálculo de los montos a cobrar, y, sobre todo, ahorro de tiempo y recursos, permitiendo que la compañía se enfoque en actividades más estratégicas y de mayor valor añadido.
Además, proporciona herramientas de gestión financiera que integran servicios de experiencia de usuario, medios de pago y de comunicación con clientes más rápida y eficaz, y en donde, a través de tecnología avanzada se puede llegar a disminuir hasta un 90% las tareas operativas, reducir la morosidad e incrementar la liquidez.
Otra tendencia emergente en el campo de las cobranzas es el uso de sistemas para interactuar con las personas de manera automatizada, brindando respuestas rápidas y precisas a sus consultas y ayudándoles a gestionar sus pagos. Estas tecnologías permiten analizar grandes volúmenes de datos para identificar patrones y generar reportes más exactos, lo cual da la posibilidad de ofrecer enfoques más adaptados a cada cliente.
Asimismo, la digitalización también ha dado lugar a la expansión de los pagos móviles y las billeteras electrónicas. Cada vez más personas utilizan sus teléfonos inteligentes para realizar pagos y gestionar sus finanzas, lo que ha llevado a que las empresas incorporen opciones de pago móvil en sus procesos de cobranza.
Según el Banco Central de Reserva del Perú (BCRP), entre el 2015 y diciembre del 2022, se quintuplicó el número de transacciones digitales, alcanzando alrededor de 174 operaciones por persona en el año.
Esto ha hecho que actualmente, la tendencia en este sector pase por tener como aliadas a plataformas digitales que gestionen, automaticen y consoliden los pagos de los clientes de forma segura a través de las principales entidades financieras en el país. Esto no solo proporciona comodidad y flexibilidad, sino que también reduce los costos y los riesgos asociados con el manejo de efectivo y cheques.
Sin duda, con el surgimiento de nuevas tecnologías y enfoques, el sector financiero ha experimentado una transformación significativa, brindando oportunidades y soluciones más efectivas para las empresas y personas. La automatización y los pagos digitales han mejorado la eficiencia, reduciendo costos y proporcionando una mejor experiencia.
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Sobre Kashio
Kashio es la plataforma de gestión de servicios financieros para empresas en América Latina. La compañía fue fundada en 2017, constituida en Delaware con sede principal en Miami, tiene operaciones en Perú y se encuentra en proceso de expansión internacional. La firma tecnológica facilita el acceso y gestión de servicios financieros a empresas de todos los sectores, a través de un ecosistema interconectado a su núcleo transaccional de open-banking en la nube.
#Kashio #Cobranza #Finanzas #SectorFinanciero #Tecnología
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