Patricia Sanches Salva Andreoli

I had an amazing time at Mastercard ‘s LAC Innovation Forum in Miami this week! 🎉 Onstage, I shared our latest consumer insights and how we're creating seamless, innovative payment experiences. Key highlights: - The digital transformation is booming, propelled by rapid innovation and consumers’ resiliency. - Gen Z leads the way. They want convenient, seamless experiences and financial control at their fingertips. - Today, we’re delivering digital-first solutions that meet consumers where they are, offering choice and flexibility. And we’re moving forward together. - Our Mastercard One Credential solution, rolling out next year, delivers a fully personalized experience. Imagine a remote control for managing all your payment options – debit, credit, installments, prepaid, and rewards – in one place. - In the future, online checkout will be even faster, easier and more secure. No more keying in card details or passwords. We’re working to bring this vision to life by 2030 – a game changer for online checkout! - New enhanced benefits, launching next year, will connect cardholders and their loved ones with their passions in travel, entertainment, and dining. Exciting times ahead! #LACInnovationForum #Mastercard #Innovation #Payments

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ACI Worldwide’s CEO Thomas Warsop speaks to Francisco Martha Gonzalez in the latest episode of #NorteDigital. The wide-ranging interview covers how #realtimepayments drive #economicgrowth and #financialinclusion, the role of #AI in modern #payments, plus the key opportunities offered in #bankingmodernization. This is a testament to our strong partnership with Grupo Financiero Banorte in #Mexico and #Latin America. https://aciw.co/3LNohXu

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ACI Worldwide’s CEO Thomas Warsop speaks to Francisco Martha Gonzalez in the latest episode of #NorteDigital. The wide-ranging interview covers topics such as #realtimepayments and why they drive #economicgrowth and #financialinclusion, the role of #AI in modern payments, and the challenges and opportunities of #bankingmodernization. A great testament to our strong partnership with Grupo Financiero Banorte and ACI’s leadership in #Mexico and #Latin America. https://aciw.co/3Yy6J9e

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In an era where payments underpin the global economy’s pulse, it’s critical any business looking at their payment strategy has a partner that can support their goals. As a global payments organization with a strong local presence in Latin America, J.P. Morgan Payments is uniquely positioned to assist in building the future of payments with our clients. Let us help you rethinking what payments can do for you and a your business. #innovation #jpmorganwebsummitrio #jpmorgan #payments #websummitrio

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🔍 𝗘𝘅𝗽𝗹𝗼𝗿𝗶𝗻𝗴 𝘁𝗵𝗲 𝗙𝘂𝘁𝘂𝗿𝗲 𝗼𝗳 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝘄𝗶𝘁𝗵 𝗜𝗻𝗴𝗲𝗻𝗶𝗰𝗼! Technology and consumer demands are rapidly reshaping the way we transact. Our latest blog dives into the evolution of the #PaymentEcosystem, spotlighting #Innovations like #AI in #MerchantServices and the rise of diverse payment options. Join us in discovering how Ingenico is at the forefront of these transformative changes. 🔗 https://ow.ly/kbz130sBUiY #FutureOfPayments #TechInnovation #PaymentSolutions

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At CYBS Consulting, we're witnessing a seismic shift in the payments landscape, driven by rapid technological advancements and evolving consumer behaviors. In Latin America, including Peru, this transformation is palpable as digital payment methods gain traction at an unprecedented pace. Recent years have seen more significant changes in the payments sector than in decades past, presenting both challenges and opportunities for businesses. As traditional payment methods give way to digital alternatives, it's imperative for companies to adapt swiftly to meet the changing needs of their customers. In countries like Brazil and Colombia, we're observing intriguing levels of adoption of neobank services, signaling a paradigm shift in banking and financial services. While Argentina follows suit to a lesser extent, Peru is not far behind, with new market players emerging beyond the traditional landscape. As consultants in the payments industry, we understand the importance of staying ahead of the curve. By providing strategic guidance and innovative solutions, we help businesses navigate this dynamic landscape and capitalize on emerging opportunities. Contact us at https://lnkd.in/eJwKVdZ4 to discuss your challenges and how we can help you navigate these opportunities successfully. Let's embark on this journey together and shape the future of payments in Latin America and beyond. #CYBSConsulting #Payments #DigitalTransformation #LatinAmerica #Innovation

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Find out what gets these Monks excited about the future of virtual shopping assistants!

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@Romina Seltzer, head of products for Visa Latin America & the Caribbean shares with the Inter-American Dialogue that: “The remarkable surge in the adoption of digital wallets in Latin America is revolutionizing the payments landscape in unprecedented ways. According to a 2024 report by The Global Payments Report, digital wallets are emerging as one of the fastest-growing payment methods across Latin America, accounting for 21 percent of regional e-commerce spending in 2023.” “This growth trend is expected to continue with a compound annual growth rate of 21 percent through 2027. At Visa, we believe several key factors are driving this significant rise, including increased smartphone penetration, a grow ing preference for contactless technology among both consumers and retailers, and a critical shift in consumer behavior toward digital technologies that offer more convenient, fast, simple and secure payments.” #VisaLAC Read full story below. http://spr.ly/6049Qhokl

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Romina Seltzer head of products for Visa Latin America & the Caribbean shares with the Inter-American Dialogue that: “The remarkable surge in the adoption of digital wallets in Latin America is revolutionizing the payments landscape in unprecedented ways. According to a 2024 report by The Global Payments Report, digital wallets are emerging as one of the fastest-growing payment methods across Latin America, accounting for 21 percent of regional e-commerce spending in 2023.” “This growth trend is expected to continue with a compound annual growth rate of 21 percent through 2027. At Visa, we believe several key factors are driving this significant rise, including increased smartphone penetration, a grow ing preference for contactless technology among both consumers and retailers, and a critical shift in consumer behavior toward digital technologies that offer more convenient, fast, simple and secure payments.” #VisaLAC Read full story below. http://spr.ly/6048vW18o

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Navigating Mexico's distressed asset landscape demands early monetization, tailored strategies, and strong local partnerships. As regulations and market conditions shift, businesses that stay agile and align with regional trends can recover and grow. Explore these strategies in the latest Hilco Global Smarter Perspective Podcast: https://lnkd.in/gpVCey3X #HilcoGlobal #HilcoGlobalMexico #DistressedAssets

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📆 Save the date! June 25, 2:00 p.m. ET. Discover how optimizing communications and leveraging analytics can lead to an improved payment experience for both the customer and the company. Don't miss our insightful webinar - 'The Late Payment Playbook: Winning Strategies for Preventing & Collecting Late Payments.' Your seat awaits: https://lnkd.in/gik7ewMX.

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Citizens was recognized in Datos Insights’ 2023 Impact Awards in Cash Management and Payments in the Customer Experience category. This award celebrates innovation achieved by companies in the financial services space that leverage technology to disrupt the status quo. As customer needs and expectations continue to evolve, financial institutions must consistently listen and innovate to meet and exceed them, and it’s great to see Citizens going beyond the traditional to address market challenges and capture new opportunities. Read the full release below. #Innovation #DigitalTransformation #AI #CitizensColleague

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It took me years to realize: Customers will love you fanatically when you turn challenges into opportunities. Today, at George UX, I had the pleasure of attending a session where César Wedemann, Product Director & General Manager, and Ellen Kiss, Design Director at Nubank, shared how they bring their company values to life. Here are 3 ways Nubank embodies its values: 1. Nudog Initiative 🐶: ↳ Nubank noticed many customers requesting replacement cards because their dogs were chewing them up! Instead of just sending new cards, they launched “Nudog,” providing dog-friendly chew toys resembling their cards. This creative solution turned a common issue into a delightful customer experience. 2. Street Mode (Modo Rua) 🏙️: ↳ Recognizing that security needs vary by location, Nubank introduced “Street Mode” in their app. It offers full access in trusted areas and restricts certain features in less secure locations. This adaptive approach smartly balances security and convenience, keeping users protected without hindering usability. 3. Unified Accounts 💰: ↳ Breaking away from traditional banking norms, Nubank unified checking and savings accounts. This innovation simplified financial management for users, providing a seamless experience. Starting in Brazil and expanding to Mexico and Colombia, this move redefined banking by enhancing transparency and trust. Values embedded in product design directly impact user experience. I wholeheartedly agree with this approach to product development. Turning challenges into opportunities and embedding company values into product design is essential for creating meaningful customer experiences. How do your company values shape your product and design principles?

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Check out my undefined digital certificate issued by Fintech Americas via Sertifier! #sertifier #digitalbadge #digitalcertificate #digitalcredentials #dataanalysis #artificialintelligence #applicationsofartificialintelligence

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The future of money movement is here, presenting both opportunities and challenges for financial institutions and those they serve. Doug Brown, our chief product officer for NCR Voyix Digital-First Banking, shares insights on faster #payments on p. 28 of the summer edition of Financial IT: https://bit.ly/4cypSM6 #DigitalBanking #Banking #DigitalFirst #RTP #DigitalPayments #InstantPayments #SmallBusiness #SmallBusinessBanking

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𝐇𝐞𝐥𝐥𝐨 𝐞𝐯𝐞𝐫𝐲𝐨𝐧𝐞! 👋 𝐈 𝐚𝐦 𝐬𝐡𝐚𝐫𝐢𝐧𝐠 𝐦𝐲 𝐭𝐨𝐩 𝐧𝐞𝐰𝐬 𝐨𝐧 𝐄𝐒𝐆, 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐈𝐧𝐬𝐭𝐢𝐭𝐮𝐭𝐢𝐨𝐧𝐬, 𝐚𝐧𝐝 𝐒𝐮𝐬𝐭𝐚𝐢𝐧𝐚𝐛𝐢𝐥𝐢𝐭𝐲! 𝐄𝐧𝐣𝐨𝐲!🌍🏦🌱 1️⃣𝐆𝐥𝐨𝐛𝐚𝐥 𝐔𝐧𝐢𝐭𝐲 𝐀𝐢𝐝𝐬 𝐁𝐫𝐚𝐳𝐢𝐥'𝐬 𝐑𝐞𝐜𝐨𝐯𝐞𝐫𝐲 🌍The WFCU and the WOCCU launched a relief fund of $15,000 for Brazilian credit unions affected by severe flooding in Rio Grande do Sul, which impacted over 150,000 people and damaging 38 branches of Sicredi, Brazil's largest credit union network. WOCCU (13 May, 2024) 2️⃣𝐋𝐚𝐭𝐢𝐧 𝐀𝐦𝐞𝐫𝐢𝐜𝐚 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐂𝐚𝐫𝐢𝐛𝐛𝐞𝐚𝐧: 𝐌𝐚𝐣𝐨𝐫 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐢𝐧 𝐖𝐚𝐭𝐞𝐫 𝐒𝐚𝐧𝐢𝐭𝐚𝐭𝐢𝐨𝐧 💧Finance ministers from Latin America and the Caribbean met with the Inter-American Development Bank, UNICEF, and the Sanitation and Water for All partnership to address inadequate sanitation for 450 million people and irregular water services for 200 million. The initiative aims to create 3.4 million green jobs annually by boosting public finance, leveraging development banks, and attracting private capital to improve water and sanitation, essential for public health and economic growth. UNICEF (19 Apr, 2024) 3️⃣𝐃𝐞𝐯𝐞𝐥𝐨𝐩𝐦𝐞𝐧𝐭 𝐁𝐚𝐧𝐤 𝐨𝐟 𝐋𝐚𝐭𝐢𝐧 𝐀𝐦𝐞𝐫𝐢𝐜𝐚 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐂𝐚𝐫𝐢𝐛𝐛𝐞𝐚𝐧 𝐄𝐱𝐩𝐚𝐧𝐝𝐬 𝐂𝐚𝐫𝐢𝐛𝐛𝐞𝐚𝐧 𝐌𝐞𝐦𝐛𝐞𝐫 𝐁𝐚𝐬𝐞 🌴📈CAF has expanded to include Bahamas, Dominica, and Grenada as members, doubling its Caribbean representation. This expansion is part of a broader initiative to support regional development, focusing on sectors like clean energy and sustainable tourism through new funding facilities for economic and social progress. CAF (17 Apr, 2024) 4️⃣𝐉𝐮𝐝𝐠𝐞 𝐇𝐚𝐥𝐭𝐬 𝐂𝐫𝐞𝐝𝐢𝐭 𝐂𝐚𝐫𝐝 𝐅𝐞𝐞 𝐑𝐮𝐥𝐞 ⚖️A Texas judge halted a CFPB rule to reduce credit card late fees from $32 to $8 for large issuers. The U.S. Chamber of Commerce, backed by business and banking groups, sued, arguing it would disrupt operations and exceed CFPB's authority. The CFPB claims the rule would save families $10 billion annually. CU Times (13 May, 2024) 5️⃣𝐎𝐤𝐥𝐚𝐡𝐨𝐦𝐚 𝐇𝐚𝐥𝐭𝐬 𝐀𝐧𝐭𝐢-𝐄𝐒𝐆 𝐋𝐚𝐰 𝐃𝐞𝐟𝐞𝐧𝐬𝐞 🛢️Oklahoma Attorney General Gentner Drummond dismissed the legal team defending a state law that prevents state pension systems from contracting with companies limiting oil and gas investments. This follows a judge's temporary injunction citing potential constitutional issues and vagueness. Drummond's action highlights ongoing disputes over ESG-related laws targeting financial restrictions on fossil fuel investments. Reuters (10 May, 2024) 𝐒𝐞𝐞 𝐭𝐡𝐞 𝐜𝐨𝐦𝐩𝐥𝐞𝐭𝐞 𝐚𝐫𝐭𝐢𝐜𝐥𝐞𝐬 𝐢𝐧 𝐭𝐡𝐞 𝐜𝐨𝐦𝐦𝐞𝐧𝐭𝐬!👇 #UISNetwork #SustainableFinance #ESGInvesting #SustainableInvesting #ImpactInvesting #ESG #ESGReporting #GreenFinance #Sustainability #CreditUnions

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