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Author: Rodrigo Gardin

  • Why modernizing payments can no longer be postponed

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    Rodrigo Gardin
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    The way we move money has changed more in the last five years than in the last five decades. Between digital wallets, instant payments, and blockchains, what once took days now happens in seconds. In this landscape, modernizing payments has become a fundamental requirement for conducting business.This transformation is not happening by chance. It is…

  • How AI-driven underwriting is redefining credit with intelligence and precision

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    Rodrigo Gardin
    in ,

    AI-driven underwriting is emerging as one of the most effective approaches to modernizing credit strategies. Automating risk assessments based on real-time data and behavior patterns brings agility to a process that rigid rules and slow decisions have long hindered.Traditionally, underwriting relied on standardized documents, credit scores, and banking history. Today, banks and fintech are shifting…

  • Why do banks need to rethink customer loyalty?

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    Rodrigo Gardin
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    For years, banks have relied on customer loyalty through competitive rates, modern apps, and fee-free banking. But in an increasingly commoditized market, that’s not enough. Customers are diversifying, with nearly three in four having relationships with more than one bank and one-third already using digital banks as their primary or secondary institution.What’s driving growth today?…

  • Data privacy in the age of generative AI

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    Rodrigo Gardin
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    Companies are rapidly adopting generative AI tools such as ChatGPT, Gemini, and Copilot to automate tasks, make quicker decisions, and gain efficiency in various areas. Their use has spread naturally to marketing, legal, and customer service departments, making these solutions part of day-to-day operations.However, along with the gains, there is growing concern about the data…

  • Mobile-first and the transformation of the financial experience

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    Rodrigo Gardin
    in

    Although the digitalization of financial services is nothing new, the mobile-first approach has become a key factor in the competitiveness of fintech and banks. Today, 93% of financial institutions are already modernizing their payment infrastructure, and the primary motivation is to meet the growing consumer demand for fast, intuitive, and secure digital experiences. At the same…