Payment time reduction Avoid long queues, and sell quickly and securely. Receive the money immediately. At the time of purchase. Offer promotions and discounts Join the benefits offered by banks and virtual wallets. (Network effect). Payment link Collect payments via WhatsApp, social media, or email from your computer. Posnet Integration (e.g., Clover). Dynamic QR generated on the spot. Allows creating discounts customized discounts based on your business´s size.
White label wallet
Native iOS and Android Mobile Applications Fully configurable native iOS and Android mobile apps, with themes that match the visual identity of customers. Deployment and configuration management for each instance. Technologies: Kotlin and Swift.
Wallet Core as a Service
Core de Wallet For operating in Uruguay or Argentina under local security and regulatory conditions. Integration of country-specific services (COELSA, Urutec, QR payments, utility bill payments, credit cards, etc). Customized development business-specific functionalities (promotions, pricing, customer communication channel, support, etc). Tecnologías: Kotlin y Swift
CRM/Back Office as a Service
Identity management and fraud prevention
Identity management and fraud prevention comprise a set of tools and processes used to verify a users' identity and prevent fraudulent activities. This is especially crucial in the financial services sector, where users' personal and financial information must be safeguarded, and measures must be taken to prevent fraud and money laundering.
Know Your Customer (KYC) identification Through facial biometrics Identification of fraudulent documentation Queries to third-party services (RENAPER, Nosis, Veraz, etc.) Integration of services for the prevention of money laundering (UIF, terrorist lists, etc.) Back office for the creation of dynamic approval workflows Creation of digital file with integrated tracking and security log tools Authentication tools Two-factor authentication (2FA) Biometric authentication Token-based authentication Multi-factor authentication (MFA) Fraud prevention tools Transaction behavior analysis Real-time transaction monitoring Digital identity verification Predictive fraud analysis tools Fraud trend analysis to prevent financial frauds
Electronic Payments and Transfers
Electronic payments and transfers refer to conducting monetary transactions through electronic means, such as mobile devices, computers, or credit/debit cards. These services enable users to send and receive money in real-time without the need for cash or checks, facilitating both commercial and personal transactions. Additionally, electronic payments and transfers typically maintain high standards of security and data protection to ensure user privacy and security.
Account Transfers Real-time transfers International transfers Scheduled transfers Merchant Payments Online payments Payments with QR code Mobile payments (NFC) Payments with virtual wallets Collections Online collections Collections with QR code Mobile collections (NFC) Collections with virtual wallets
Account and Personal Finance Management
These applications provide a comprehensive view of personal finances, including bank accounts, investments, loans, credit cards, and other types of financial assets. They allow users to track their expenses, create budgets, set financial goals, and receive personalized recommendations to improve their finances. Some tools also offer automated financial advice and comprehensive financial planning.
Account Management Opening digital bank accounts Balance and movement management Transfers between accounts Collection and payment of services Alerts and notifications of account movements Blocking and unblocking of credit and debit cards Personal Finance Management Income and expense control Categorization and analysis of expenses Establishment of goals and budgets Alerts and notifications of expenses and budgets
Loans and financing
Various tools and services enable users to apply for, compare, and obtain loans and financing quickly and easily through digital platforms. These tools may include loan simulators, interest rate comparators, and real-time credit approval tools, among others.
Personal loans Business loans Crowdfunding Lines of credit Mortgage loans Microloans Peer-to-peer loans Factoring Leasing
Investment and Wealth Management
Financial tools and services used for investing and managing assets and wealth. These services can include personalized financial advice, investment and portfolio management, online investment products, investment analysis tools, tax advice, and financial planning, among others. The primary goal is to help individuals make informed financial decisions and effectively manage their wealth.
Investment platforms Stock trading Mutual funds ETFs Bonds and bills Wealth management Personalized financial advice Investment portfolio management Financial and tax planning
Investment Analysis and Decision Making Tools
Analysis tools allow investors to evaluate and compare different investment opportunities and make informed decisions based on their investment profile, objectives, and risk aversion. They provide information on financial markets, market trends, economic events, and relevant news.
Market Analysis Financial and Economic News Technical and Fundamental Analysis Statistics and Charts Tracking and Monitoring Custom Alerts Portfolio Management Transaction Tracking Investment Tools Investment Simulators Financial Calculators Investment Strategies and Recommendations Trading Platforms Access to Multiple Markets Multiple Financial Instruments Real-Time Trading Wealth Management and Advisory Personalized Advisory Portfolio Management Financial Planning
Digital banking and banking services
We develop mobile applications or online platforms for banking services that can include everything from opening bank accounts to performing various transactions, managing personal finances, and accessing loans and credit, among others. Digital banking has revolutionized how people manage their money, making it easier and more convenient to access banking services from anywhere and at any time.
Online services Balance and transaction inquiries Online transfers and payments Requests for products and services Customer service Online chat Telephone assistance Financial products Savings and checking accounts Personal and commercial loans Investments and investment funds Security and fraud prevention Authentication and validation of users Detection of suspicious transactions Protection of personal and financial data Process automation Online account opening Processing of credit applications Management of banking transactions and operations
Risk management is a comprehensive process that identifies, assesses, and takes measures to minimize or avoid risks associated with the financial activities of an individual or company. In the fintech sector, risk management focuses on ensuring the security and confidentiality of clients' financial information, as well as preventing and detecting fraud and financial crimes. Risk management services can include:
Financial risk analysis Identification of financial risks associated with the activity of the company or individual Assessment of the probability of occurrence and impact of each identified risk Development of strategies to minimize or mitigate identified financial risks Fraud prevention and detection Data analysis to detect suspicious behavioral patterns Validation of the identity of users and clients Establishment of security measures to prevent fraud Regulatory compliance Identification of applicable regulations and standards Development and implementation of policies and procedures to ensure regulatory compliance Performance of audits to verify regulatory compliance Information security and privacy Establishment of security measures to protect clients' financial information Guarantee of the confidentiality of clients' financial information Development of policies and procedures for the management of personal and financial data