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Billeteras móviles, un futuro esperanzador

Las billeteras móviles tienen un fin muy bien definido: que los consumidores puedan tener la oportunidad de usar su celular como si fuera una tarjeta de débito sin la obligación de acceder a una cuenta bancaria.

Bolivia, Colombia y México podrían ser buenos ejemplos a la hora de hablar de billeteras móviles en Latinoamérica, sin embargo, si se busca a nivel global, entonces hay que acudir a los países africanos. Según cifras del Banco Mundial, en países como Nigeria, Kenia Ghana y Zambia, en los que la penetración de la banca formal era una de las más bajas del mundo, después del ingreso de la billetera móvil, entre el 40% y 50% de la población de estos países tiene al menos una cuenta bancaria, y la utiliza entre un 60% y 65% para enviar y recibir dinero.

Así, por ejemplo, el 83% de los puntos de acceso al sistema financiero de los keniatas está en los servicios móviles, y tan sólo un 2% directamente en los bancos comerciales, de acuerdo con cifras de la GSMA, la asociación mundial de la industria móvil. Kenia ha sido globalmente un ejemplo de inclusión financiera, definida por Naciones Unidas como el acceso efectivo a servicios financieros asequibles y sostenibles y como estrategia clave en la reducción de la pobreza en los Objetivos de Desarrollo Sostenible de la ONU.

¿Qué factores definen el éxito de las billeteras móviles? Sin duda alguna aspectos como seguridad, gracias a la posibilidad de llevar dinero sin tener que usar necesariamente una billetera y a la seguridad del sistema en sí; el hecho de que los usuarios puedan hacer transacciones en segundos y temas como interoperabilidad e inclusión financiera. Pero no solo esto, además de masificar el uso de los servicios financieros entre aquellas personas que no están asociadas a un banco, la billetera móvil ayudará a construir el historial de crédito de los no bancarizados, lo que es una enorme ventaja.

GCS International cuenta entre sus casos de éxito con Orange m-peso y Efectivo Móvil. Ambos servicios permiten tener una cuenta virtual prepagada emitida por el Banco Popular Dominicano y asociada al número de móvil que el cliente tenga vigente. La empresa fue el proveedor seleccionado para el desarrollo, y mantenimiento del sistema que permite a los clientes de ambas empresas la realización de transacciones bancarias a través de sus móviles. Además de ser los encargados de realizar el procesamiento de las transacciones de ambas plataformas.

Ambas plataformas permiten que los dominicanos combinen sus planes telefónicos con cuentas bancarias virtuales, ofreciendo servicios a la población de menores ingresos, que compone alrededor del 72% de los dominicanos, o 9,4 millones de personas. Sin duda alguna, un paso esencial en el tema de inclusión financiera.

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