Anses busca ayuda fintech para evitar otro colapso

Cuál es el plan de las empresas fintech y el Gobierno para repartir créditos en masa, efectivo y tarjetas en pandemia: punto a punto, la propuesta

Plan fintech para repartir créditos en masa, efectivo y tarjetas en pandemia: punto a punto, la propuesta
La Cámara Fintech y la ANSES ultiman detalles para usar a las cuentas virtuales, cuyo “home banking” son las billeteras digitales. 
Las imágenes de multitudes de personas mayores amuchándose en colas de bancos en pleno distanciamiento social, enfurecieron a la población y al Presidente. La sub-bancarización, es decir, el acceso sólo a un servicio financiero básico (extracción de efectivo), está muy extendida en la Argentina. Pero ahora se ha convertido en un problema de salud pública.

El Gobierno venía avanzado para expandir la capilaridad de los medios electrónicos. Tal como anticipó el sitio especializado iProUP, el Ejecutivo convocó a la industria fintech ni bien lanzó la cuarentena para que acerquen propuestas destinadas a reducir el contacto físico y –por ende– las posibilidades de contacto. Ante la batería de medidas que propuso la Cámara Argentina de Fintech, el Gobierno aceleró algunas decisiones para avanzar en la “digitalización” de las finanzas de los sectores más postergados.

La primera señal llegó el sábado pasado, cuando el Banco Central lanzó la comunicación A6948, que obliga insta a entidades financieras, fintech y proveedores de servicios de pago (PSP) a aceptar transferencias y envíos de fondos entre cuentas bancarias (con CBU) y virtuales (con CVU) que usan las fintech. La cámara y la ANSES están ultimando detalles para que en las cuentas virtuales, cuyo “home banking” son las billeteras digitales, se acrediten los beneficios sociales. De este modo, las fintech buscan aprovechar la posibilidad no sólo de sumar usuarios, sino también de demostrar cómo su modelo puede ayudar a la sociedad. Por eso, trazaron un plan en dos fases: una, buscará ayudar al consumidor y, en breve, cooperar con las Pymes, fuertemente golpeadas ante la caída de la actividad.

Arranque

En los últimos meses de la gestión de Emilio Basavilbaso al frente de la ANSES, el ente previsional había avanzado en la posibilidad de abonar planes, asignaciones y becas a través de las billeteras digitales. La idea buscaba que los beneficiarios que no residían cerca de un banco reciban en estas aplicaciones sus haberes en lugar de retirar el efectivo en un local del Correo Argentino o de una red de cobranzas.                                                  Mercado PagoPlus Pagos (del Grupo Petersen) y PIM (del Banco Nación) fueron las billeteras que comenzaron con las pruebas piloto y, hoy por hoy, las únicas habilitadas el pago de estos haberes. Sin embargo, según registros de la cámara hay otras siete que presentaron la documentación ante ANSES: BKRCAMEPagosMiiiMONIPrexUalá y xCoop. 

Pero el juego está por abrirse y las fintech se están preparando para dar servicio a más de 6,5 millones de personas que ya usan estas aplicaciones. Y apuntan no sólo a los planes sociales que ya se están acreditando, sino también el Ingreso Familiar de Emergencia (IFE) destinado a monotributistas de categorías bajas y trabajadores informales.                                                              “Hay distintos estadios. Hay algunas fintech homologadas y otras en proceso. Debe haber un contrato con la ANSES, conectar sistemas, realizar stress tests y validaciones porque no se puede conectar a cualquier persona al sistema bancario por cuestiones antilavado“, explicó al sitio iPROUp, Ignacio Plaza, flamante presidente de la Cámara Argentina de Fintech.                                                          Según el directivo, la organización en este momento está “creando un panel para conocer el estado de cada billetera digital y qué servicios pueden ofrecer”, a fin de determinar cuáles de las firmas que componen la entidad estará en condiciones de sumarse a este programa.

Se trata de una oportunidad sin precedentes para la industria, que podría aprovechar el universo de casi 11 millones de personas que recibirá el IFE. 

Muchos de los posibles beneficiarios son personas que no tienen cuenta bancaria o no la usan. Las billeteras, a partir del CVU, les permitirán realizar transferencias, pagos en comercios y de facturas. Van a aprovechar las bondades de la tecnología“, se entusiasma Juan Pablo Bruzzo, CEO de MONI.                                                                                                                                                                  Alberto Murad, de PlusPagos, señala que “además de las billeteras digitales, para el IFE también ofrecimos nuestros puntos para el pago o extracción, ya que poseen las medidas de seguridad y espacio adecuadas para esta demanda y con una amplia cobertura geográfica“.                              Los bancos digitales, es decir, los que tienen la misma regulación que sus contrapartes tradicionales y ofrecen cuentas con CBU, también se sumarán a la movida. “Los usuarios pueden asignar sus Recuentas (cajas de ahorro remuneradas) para cobrar tanto los planes de ANSES como el IFE. A su vez, desde nuestro lanzamiento contamos con la modalidad de extracción sin tarjeta de débito, para retirar dinero de cualquier cajero de la red Banelco“, explicó a iPROUp, Stefano Angeli, CEO de Rebanking. Desde el sector esperan que crezca fuertemente la demanda de billeteras digitales a partir de esta nueva movida, que aumentaron 30% en usuarios en los últimos días. Como muestra, sobra un botón: en las últimas horas, Mercado Pago instó a los usuarios que no contaban con una CVU a crearla dentro de la app.

Rapidez y servicios

Las billeteras digitales ya cuentan con onboarding (alta digital), por lo que crear una cuenta puede demorar 10 minutos. “Está completamente digitalizado: pide datos del cliente, una selfie, fotos del documento que se verifica con el RENAPER y validación del IMEI (número que identifica a cada celular). Hasta la AFIP usa esta tecnología”, advierte Bruzzo. Su compañía, MONI, ofrece una tarjeta virtual para que el usuario abone en sitios de comercio electrónico y servicios digitales (como Netflix), apenas minutos después de haber obtenido la cuenta. “Para la situación actual, es importante para reducir el contacto y comprar online en supermercados y apps de delivery“, señala el ejecutivo, quien agrega que la tarjeta virtual se utiliza hasta que llega el plástico, que también permite realizar extracciones en cajeros automáticos.                                                                                                              MONI, además, ofrece un préstamo inicial automático “para colaborar en este difícil momento”. La otorgación se basa no sólo en el historial crediticio del usuario, sino también en un algoritmo de inteligencia artificial que permite crear un perfil más preciso y llegar a una mayor cantidad de personas que el método tradicional.

Otra de las fintech que trabaja en este sentido es BKR, una startup argentina que también ofrece una Mastercard prepaga virtual hasta que llegue el plástico definitivo y cuyo alta de usuarios creció 30% en los últimos días. “Nuestra app permite que los usuarios soliciten una tarjeta virtual de forma instantánea para realizar compras. Estamos trabajando con empresas de mensajería para minimizar tiempos de entrega, teniendo en cuenta el contexto que estamos viviendo“, afirma a iPROUp Francisco Chaves del Valle, gerente de Relaciones Institucionales de BKR.

Naranja X, fintech de Naranja, es otra plataforma que prepara medidas que pueda necesitar el Gobierno. Hernán Corral, Chief Product Officer de la firma, resalta las facilidades para la inclusión que brindan este tipo de servicios. Con un email y contraseña ya podés crear una cuenta que te habilita a transferir, pagar, recargar la SUBE, el celular, comprar y vender dólares“, destaca el ejecutivo. Asimismo, añade que trabajan en sumar opciones de pago en su servicio, en un contexto en el que los servicios digitales son cada vez más solicitados.                                                                                            Mientras tanto, la empresa promueve la venta de su nPOS, un dispositivo que se conecta al celular y permite a cualquier comerciante cobrar con tarjetas y evitar el uso de efectivo. Desde el comienzo de la cuarentena obligatoria, registraron un aumento del 30% en la facturación por nPOS en comercios exceptuados de la restricción que son usuarios de este servicio. “En este sentido, estamos ofreciendo diferentes promociones de 3 cuotas sin interés para ayudar tanto a los pequeños comercios que se ven muy afectados por esta situación, así como los consumidores que puedan alivianar su situación financiera“, subraya Corral.

Murad, de PlusPagos, la billetera que tiene sinergias con los bancos regionales Santa Fe, Santa Cruz, San Juan y Entre Ríos, explicó a iPROUp que están “trabajando en la extracción en cajeros sin tarjetas y recepción de dinero por transferencias del exterior, a partir del acuerdo con Money Gram“. Además, para evitar que la gente se agolpe en los bancos, iniciaron una prueba piloto de corresponsalía con las entidades de Grupo Petersen para que los 1.200 puntos de su red de cobranzas reciban depósitos de sus más de 55.500 usuarios.

Por su parte, Rebanking lanzó una batería de descuentos relacionadas con las compras y servicios online a través de su tarjeta de crédito: Carrefour (20% los miércoles), Farmacity (15%), Frizata ($500), Rappi (25%) y cursos de Coderhouse (80%). Que las personas puedan sumarse rápido al uso de soluciones fintech es clave para los planes de estas empresas. La cámara y el Gobierno trabajan en campañas de comunicación y seguridad sobre el manejo de las plataformas.

Es siempre un desafío. Nosotros pedimos difusión y ellos nos piden contenido. La cámara como conjunto y las empresas harán sus esfuerzos por promocionar estas herramientas“, señala Plaza.

Creamos espacios de interacción, impulsamos el desarrollo de estudiantes, emprendedores y comerciantes, y promovemos actividades de capacitación a través de un programa para instituciones, colegios y universidades. Y desde este viernes, a las 19, realizaremos un webinar gratuito en vivo a través de Instagram“, revela Chaves del Valle.                                                                                                  Sin embargo, Bruzzo asegura que la barrera de entrada es muy baja: “Cualquiera que sepa usar WhatsApp puede usar una billetera digital“. En este sentido, para achatar la curva de aprendizaje, BKR ya ofrece pagos a través de redes sociales.                                                                                                                  En el caso de Naranja X, Corral señala que, “para quienes necesiten asistencia, ofrecemos atención las 24 hs, los siete días de la semana. Por otro lado, actualmente, y en el marco de la campaña Entre todos podemos, estamos desplegando diferentes iniciativas para acompañar a sus clientes y garantizar que puedan operar y autogestionarse en canales digitales“, agrega del CPO de la fintech. Murad, en tanto, asegura que PlusPagos está lanzando “una campaña junto a nuestras agencias, que son quienes están en contacto con los consumidores, para que expliquen los beneficios en el uso de los pagos digitales“.

Fase 2: Pymes en peligro

Si bien la prioridad hoy la tienen los consumidores, las empresas de la Cámara Argentina de Fintech se preparan para atender otro segmento castigado por la crisis del coronavirus: las pequeñas y medianas empresas. “Estamos dialogando con la Secretaría de Emprendores y Pymes (SEPYME). Hay varios mecanismos para otorgar créditos a estas firmas“, anticipa Plaza.                                                  La regulación no les permite realizar intermediación financiera (usar depósitos de usuarios para  préstamos), por lo que las fintech buscarán ser la “interfaz” de créditos de terceros, como los $350.000 millones que liberará el Central a bancos que lancen líneas para activar la economía.        “Los bancos no pueden prestar plata a todo el mundo por un tema de regulación. Y les cuesta llegar en tiempo real a ciertas empresas segmentos o geografías. Los ayudaremos a targetear clientes“, indica Plaza. Y añade: “Estamos desarrollando una facilidad de despliegue como el banco de fomento de Brasil (BNDES), permitiendo ser un mecanismo de distribución para las Pymes“.                                Además, Plaza remarca que otro instrumento al que se enfocarán serán las versiones electrónicas del cheque, el pagaré y las facturas, con el aval de sociedades de garantía recíproca. “Nuestro objetivo será hacer más digerible a las plataformas del Estado o de los bancos“, remarca Plaza, quien asegura que “la factura de crédito electrónica contra las grandes compañías es un gran vehículo para fondear a las Pymes“.                                                                                                                                                  Más adelante buscarán ofrecer más servicios a los consumidores. Según Bruzzo, el próximo paso “imprescindible” para la industria será el QR interoperable, que permitirá a los usuarios leer cualquier código con cualquier billetera para abonar.                                                                                    “Todavía no hay un OK definitivo. Estamos esperando la interfaz de COELSA sea lo suficientemente robusta para aguantar. Incluso los bancos van a poder utilizarlos y es un método de pago sin contacto físico“, añade el directivo, quien anticipa que MONI prepara seguros para el hogar.       Según Murad, PlusPagos posee “desde el inicio un acuerdo de pagos QR con comercios y estamos culminando una integración con FirstData para que los más de 200.000 negocios que operen con POSNet puedan recibir cobros QR con la billetera“.                                                                                              Por estas horas, la cámara celebra el diálogo fluido que mantiene con el Gobierno y la posibilidad de ser más relevantes como una herramienta que ayude en tiempos de pandemia. Y, cuando pase el temblor, convertirse en una opción establecida entre los argentinos o, al menos, para la mitad que no utiliza accede a servicios financieros.

Prensa Económica

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