En la actualidad el dinero móvil está en 93 países a través de 271 servicios, teniendo a su favor que desde el 2015, 51 de esos mercados tienen un marco regulatorio favorable. Pero eso no es todo, el dinero móvil está cambiando el panorama de la inclusión financiera. Según datos, en 2015, 37 mercados tenían diez veces más agentes registrados que las sucursales bancarias y las cuentas de clientes registrados crecieron un 31% hasta alcanzar un total de 411 millones a nivel mundial. Según esos mismos estudios, los proveedores de dinero móvil procesaron poco más de mil millones de transacciones en diciembre de 2015, lo que representa más del doble de lo que PayPal procesa a nivel mundial.
En cuanto a América Latina y el Caribe, el informe “The Mobile Economy Latin America 2014”, de GSMA, señala que las tasas de suscriptores móviles a lo largo de la región continúan creciendo y se espera que alcancen casi el 60% de la población total de la región para 2020, en línea con el promedio global. Es alentador el hecho de que América Latina y el Caribe tengan el crecimiento más rápido en servicios financieros móviles a nivel mundial.
Dentro de este escenario, cabe destacar que a partir de diciembre de 2014, más de un cuarto del volumen de transacciones de dinero móvil en la región involucró a terceros, como en el caso del pago de facturas, pagos masivos y pagos comerciales, frente a sólo el 14 por ciento en 2012. Las cifras son interesantes y demuestran por sí solas cuál es el panorama real y en dónde radica exactamente el “secreto” del éxito de un servicio como tPago, lanzado en República Dominicana en el 2010 por GCS International. La plataforma posibilita tanto las transacciones financieras como no financieras (recargas de crédito para telefonía) y en su primer año de funcionamiento ya contaba con más de 135 mil usuarios, llegando, desde su salida al mercado, a más de 50,000,000 transacciones por alrededor de U$S 300 millones.
Hoy tPago beneficia a más de 600 mil dominicanos, quienes ahorran diariamente más de 3 millones 76 mil horas en diligencias de pago y transacciones financieras, lo que representa un ahorro de US$7.6 millones de dólares anuales. En cuanto a su ecosistema, está integrado por 10 de los principales bancos del país, más de 80,000 comercios afiliados y las principales empresas de telecomunicaciones, abarcando así el 98% del mercado de celulares de República Dominicana. A eso se suma un ritmo anual de crecimiento de su cartera de clientes que se encuentra por encima de las dos cifras.
El éxito de tPago puede resumirse en cinco claves: comodidad, accesibilidad, flexibilidad, seguridad y el ecosistema más robusto de la región, que se amplía cada día en la medida en que nuevas marcas se integran al mundo tPago.
Sin duda alguna, a la adopción y uso generalizados de los servicios financieros móviles en la región aún le faltan algunos capítulos importantes por escribir, sin embargo, el futuro es muy prometedor.
Revista El Economista
Vocero: Manuel Alejandro Grullón
Presidente Ejecutivo GCS International
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