{"id":9383,"date":"2015-09-23T17:04:36","date_gmt":"2015-09-23T20:04:36","guid":{"rendered":"http:\/\/www.amchamchile.cl\/?p=145333"},"modified":"2015-09-23T17:54:51","modified_gmt":"2015-09-23T20:54:51","slug":"del-pago-digital-al-pago-movil","status":"publish","type":"news","link":"https:\/\/amchamchile.cl\/en\/noticia\/del-pago-digital-al-pago-movil\/","title":{"rendered":"Del pago digital al pago m\u00f3vilFrom digital payment to mobile payment"},"content":{"rendered":"

Por Francisca Castillo y Catalina Jofr\u00e9\u00a0<\/strong><\/em><\/p>\n

Si bien el pago m\u00f3vil ha tenido un lento despegue en Chile, expertos coinciden en que actores del mercado est\u00e1n apostando sus fichas por hacer que al corto plazo este medio de pago se masifique, mejorando la experiencia de pago de los usuarios.<\/i>\u00a0<\/i><\/p>\n

Chile es uno de los pa\u00edses de la regi\u00f3n m\u00e1s proclives a la adopci\u00f3n de nuevas tecnolog\u00edas, una muestra de ello, son las proyecciones del Centro de Estudios de IDC (International Data Corporation) que estiman la venta de 7,9 millones de tel\u00e9fonos Smartphone en 2015, los que, de acuerdo al \u00faltimo reporte trimestral publicado por la Subsecretar\u00eda de Telecomunicaciones (Subtel), representan el principal medio de conexi\u00f3n a Internet, concentrando el 76,9% de los accesos totales. Datos reveladores que hacen de nuestro pa\u00eds un terreno f\u00e9rtil para el desarrollo de las nuevas tecnolog\u00edas de pago m\u00f3vil que est\u00e1n liderando el mercado mundial.<\/p>\n

En pa\u00edses de Asia y del primer mundo el uso del pago m\u00f3vil es una realidad desde el a\u00f1o 2011, de la mano de Google Wallet, creado en Estados Unidos (EEUU) con el sistema NFC (Near Field Communication), una tecnolog\u00eda de comunicaci\u00f3n inal\u00e1mbrica y de corto alcance que permite el intercambio de datos entre dispositivos m\u00f3viles, que en 2006 desarrollaron de manera incipiente compa\u00f1\u00edas como Phillips, Sony y Nokia.<\/p>\n

Pasados cuatro a\u00f1os desde la apuesta de Google, varios pa\u00edses del viejo continente y naciones desarrolladas cuentan con \u00a0la tecnolog\u00eda e infraestructura suficientes que les permiten a diferentes aplicaciones perfilarse como un medio de pago m\u00e1s. En un comienzo se pensaba que existir\u00eda una masificaci\u00f3n r\u00e1pida luego de que los pagos m\u00f3viles entraran al mercado, pero esto ha ocurrido a una velocidad m\u00e1s pausada de lo proyectado, debido a \u00a0la necesidad de soportes en los comercios que permitan esta tecnolog\u00eda sin contacto para realizar pagos. Pese a ello, IDC se\u00f1ala que los pagos m\u00f3viles a nivel mundial generaron transacciones por US$ 10,4 billones en 2014 y proyecta que para el 2015 los pagos con NFC ser\u00e1n US$ 29 billones.<\/p>\n

Escenario nacional<\/b><\/p>\n

En nuestro pa\u00eds algunos medios de pago que operan en la actualidad y que se han ido incorporando como alternativas al dinero en efectivo son el cheque, y las tarjetas bancarias de cr\u00e9dito y d\u00e9bito, que son administradas \u00fanicamente por Transbank, ente autorizado para procesarlas en comercios establecidos e Internet. Se suman las tarjetas no bancarias del comercio y las transferencias electr\u00f3nicas.<\/p>\n

En los \u00faltimos diez a\u00f1os, ha existido un incremento importante en el uso de las tarjetas de d\u00e9bito. De acuerdo a las cifras de la Asociaci\u00f3n de Bancos e Instituciones Financieras de Chile (ABIF), en 2004 se realizaron 43 millones de transacciones, llegando a 449 millones en 2014.<\/p>\n

En tanto, el monto de estas operaciones tambi\u00e9n refleja un crecimiento significativo, en el \u00a0trimestre enero a marzo de 2008 las operaciones de tarjetas de d\u00e9bito fueron por $ 800.798 millones, seis a\u00f1os m\u00e1s tarde, en 2014, y s\u00f3lo en el mes de enero esta cifra aument\u00f3, totalizando $ 891.395 millones.<\/p>\n

Aunque en menor medida, tambi\u00e9n se ve un aumento en el uso de tarjetas de cr\u00e9dito bancarias. De acuerdo a la Superintendencia de Bancos e Instituciones Financieras (SBIF), se observa que el n\u00famero de operaciones alzaba a 19 millones en el primer trimestre de 2008, llegando a 47 millones en el mismo per\u00edodo a 2014.
\n\"Line_3\"<\/p>\n

A este incremento del uso en las tarjetas, se suma la digitalizaci\u00f3n de la banca, tendencia que comenz\u00f3 en Chile el a\u00f1o 2000. Muchos de los tr\u00e1mites que antes eran presenciales se trasladaron con rapidez al sistema online, donde los clientes adoptaron f\u00e1cilmente herramientas para realizar operaciones bancarias utilizando una conexi\u00f3n a Internet. Sobre estas \u00faltimas, los n\u00fameros revelan que las Transacciones Electr\u00f3nicas de Fondos (TEF) v\u00eda red se han multiplicado por seis entre 2004 a 2014, pasado desde los 47 millones a los 272 millones de transacciones.<\/p>\n

El pago electr\u00f3nico es un h\u00e1bito que ha tomado una gran cantidad de clientes bancarios. Sin ir m\u00e1s lejos, la SBIF registr\u00f3 que durante diciembre de 2014 hubo m\u00e1s de 6 millones de personas distintas que realizaron alg\u00fan tipo de operaci\u00f3n en el portal web de su banco.<\/p>\n

Desde Transbank indican que el 20% de las transacciones que realizan los chilenos, es a trav\u00e9s de sitios web desde el celular, lo que representa alrededor del 2,5% de las transacciones totales. Adicionalmente, han habilitado 40.000 puntos con equipamiento de NFC en el comercio, entre cadenas farmac\u00e9uticas, adem\u00e1s de Walmart y el supermercado Unimarc, por lo que las condiciones para la masificaci\u00f3n del pago sin contacto a trav\u00e9s de celulares estar\u00edan dadas en el pa\u00eds.<\/p>\n

El gerente general de Ionix, empresa desarrolladora de soluciones tecnol\u00f3gicas para pagos m\u00f3viles en Chile, Rodrigo Sol\u00eds, plantea que ya son varios los actores del retail<\/i> y banca que est\u00e1n avanzando en implementar el pago m\u00f3vil. \u201cDe aqu\u00ed a un plazo de tres a\u00f1os los principales actores del mercado tendr\u00e1n soluciones con pagos m\u00f3viles. Cu\u00e1nto esto finalmente ocurra, se va acelerar de manera importante el proceso\u201d, sostiene.<\/p>\n

Avances en Chile<\/b><\/p>\n

En el pa\u00eds el primer piloto de tecnolog\u00eda NFC para pagos m\u00f3viles se denomin\u00f3 \u201cbilletera\u201d impulsado por Movistar en conjunto Banco Santander, Samsung, MasterCard y Oberthur Technologies en agosto de 2013. Este proyecto, que parti\u00f3 con 200 participantes, es la primera piedra que dio inicio al uso de pagos m\u00f3viles en Chile.<\/p>\n

Durante el mismo, a\u00f1o Copec lanz\u00f3 la aplicaci\u00f3n PagoClick con el sistema QR, a trav\u00e9s de un c\u00f3digo en el dispositivo m\u00f3vil, para pagar combustible a trav\u00e9s de smartphones en m\u00e1s de 500 estaciones de servicio. La plataforma est\u00e1 disponible en AppStore y GooglePlay, y una vez instalada la aplicaci\u00f3n, el cliente puede inscribir sus tarjetas de cr\u00e9dito asociadas a Transbank y realizar transferencias para comprar combustible.<\/p>\n

BBVA es otro de los actores quien entr\u00f3 al mercado de los pagos m\u00f3viles con la aplicaci\u00f3n \u201cBBVA Wallet\u201d disponible para Android, con ella y desde \u00a0el mes de abril los clientes del banco pueden usar su tarjeta Visa para pagar con tecnolog\u00eda sin contacto en los terminales disponibles en el comercio, instalando un sticker adherido a su celular. Mauricio Fuenzalida, gerente de Desarrollo de Negocios de la entidad, comenta que a la fecha la recepci\u00f3n ha sido positiva y espera que este lanzamiento -\u00fanico en Sudam\u00e9rica- pueda en un futuro evolucionar en su funcionamiento desde el sticker a smartphones con NFC incorporado.<\/p>\n

Hasta el momento, el uso de pagos m\u00f3viles en Chile es realizado por clientes que tienen cuentas de cr\u00e9dito y d\u00e9bito asociadas a bancos. Sin embargo, el director ejecutivo del Centro de Innovaci\u00f3n, Emprendimiento y Tecnolog\u00eda (CIET) de la Universidad Adolfo Ib\u00e1nez, Pablo Pastene, se\u00f1ala que el futuro ser\u00e1 la implementaci\u00f3n del prepago en el celular como dinero virtual en el comercio.<\/p>\n

\u201cAl tener dinero en el prepago del celular, este se va a poder utilizar para comprar en tiendas. Va a ser el equivalente a la tarjeta de cr\u00e9dito, pero no va a funcionar con bancos ni Transbank, lo que va a permitir que los costos de transacci\u00f3n sean mucho m\u00e1s bajos\u201d, sostiene.<\/p>\n

Uno de los pioneros en esta materia es 46 Degrees. En 2014 surgi\u00f3 esta compa\u00f1\u00eda de origen nacional que entrega un servicio dirigido a la poblaci\u00f3n no bancarizada. Consiste en una plataforma para pagar servicios a trav\u00e9s de una cuenta telef\u00f3nica de plan o con pre-pago, integrando al pago m\u00f3vil a personas de escasos recursos que no tienen acceso a cr\u00e9ditos, pero si cuentan con un celular.<\/p>\n

Adem\u00e1s del prepago m\u00f3vil en comercios, lo que se avecina, seg\u00fan los expertos, es la masificaci\u00f3n del NFC. Las aplicaciones para pagos con proximidad que se han instalado en Chile en un per\u00edodo de tan s\u00f3lo dos a\u00f1os, crean los cimientos para el desarrollo de una nueva forma de pago, seg\u00fan el secretario general de la Asociaci\u00f3n Chilena de Empresas de Tecnolog\u00edas de Informaci\u00f3n, ACTI, Jaime Soto, en 2017 habr\u00edan 436.000 dispositivos con capacidad de realizar transacciones a trav\u00e9s de tecnolog\u00eda sin contacto (NFC), \u201clo que impactar\u00eda positivamente en su masificaci\u00f3n\u201d, comenta.<\/p>\n

\u00daltimos lanzamientos en EE.UU.<\/b><\/p>\n

La plataforma de pagos m\u00f3viles Apple Pay fue lanzada en octubre de 2014 en Estados Unidos y hasta el momento opera \u00fanicamente en ese pa\u00eds. A trav\u00e9s de un sensor de identidad touch ID del iPhone 6 y el iPhone 6 Plus, los clientes pueden realizar pagos mediante su huella dactilar en tiendas f\u00edsicas con terminales de pago NFC y aplicaciones de dispositivos m\u00f3viles.<\/p>\n

Otra aplicaci\u00f3n de pago m\u00f3vil que est\u00e1 a la vanguardia en el pa\u00eds del norte, es Samsung Pay, que posibilita el realizar transacciones en terminales con protecci\u00f3n Knox. Disponible en eGalaxy S6 y S6 edge se puede usar independientemente de si los terminales funcionan con NFC o lectores de tarjetas tradicionales. Samsung Pay ya se encuentra disponible en Estados Unidos y Corea del Sur. \u201cEsperamos que llegue a Europa antes de que acabe el a\u00f1o y a Latinoam\u00e9rica durante el primer trimestre de 2016\u201d, comenta Fernando Gonz\u00e1lez, Product Manager de Smartphones de Samsung Electronics Chile.<\/p>\n

Una de las \u00faltimas tecnolog\u00edas de NFC en pagos m\u00f3viles anunciadas en EEUU es Android Pay, que fue presentada por Google en mayo de este a\u00f1o y permite a las personas con tarjetas de cr\u00e9dito, d\u00e9bito, prepago y en peque\u00f1os negocios usando MasterCard, utilizar sus tel\u00e9fonos Android KitKat 4.4 o modelos m\u00e1s recientes para comprar en tiendas y aplicaciones Android.<\/p>\n

Khipu, el caso de \u00e9xito chileno<\/b><\/p>\n

Como alternativa al sistema de Transbank en Chile, Roberto Opazo cre\u00f3 Khipu, una empresa que entrega soluciones de medios de pago electr\u00f3nico para grandes compa\u00f1\u00edas, Pymes, comercio online y personas naturales. El servicio se basa en la simplificaci\u00f3n de transferencias bancarias a trav\u00e9s de un terminal que se puede instalar gratuitamente en computadoras, tabletas o celulares.<\/p>\n

A diferencia de Transbank, Khipu habilita el medio de pago en un d\u00eda, tiene la alternativa multibanco y cobra un 1% del margen de las ganancias de una empresa con tope de $300 + IVA, sin costos por soporte o costo fijo. \u201cEso hace que empresas que hoy no est\u00e1n ganando, empiecen a hacerlo\u201d, indica su fundador.<\/p>\n

Hace algunos meses la plataforma electr\u00f3nica inici\u00f3 su etapa de internacionalizaci\u00f3n, otorgando los derechos de comercializaci\u00f3n exclusiva para Bolivia, nace as\u00ed “Pagos Electr\u00f3nicos Bolivia – Khipu S.A.”, que permitir\u00e1 pagar con todos los bancos e instituciones financieras que cuenten con una plataforma de transferencia en l\u00ednea, adem\u00e1s de recibir los fondos en los bancos e instituciones financieras que tengan acuerdo operativo con Khipu.Despite mobile payment being slow to take off in Chile, experts agree that market players are now predicting the widespread expansion of this technique in the short term, helping to improve the payment experience of users in the process.<\/i><\/p>\n

By Francisca Castillo and Catalina Jofr\u00e9\u00a0<\/strong><\/em><\/p>\n

Within the region, Chile is one of the countries most inclined to adopt new technologies. According to projections from the research center of the International Data Corporation, an estimated 7.9 million smartphones will be sold in Chile in 2015. The most recent quarterly report published by the Chilean Undersecretary of Telecommunications (Subtel) says that smartphones represent the main market in terms of internet connectivity, accounting for 76.9% of all online access in the country. This data reveals just how fertile a country Chile is for the development of new mobile payment technologies, which are so prevalent on the global market.<\/p>\n

In developed countries and throughout Asia, mobile payment has been used since 2011, thanks to Google Wallet. Created in the United States with the Near Field Communication (NFC) system, this wireless, short-range technology, which was initially developed on an incipient level by companies like Phillips, Sony and Nokia in 2006, enables data to be exchanged between devices.<\/p>\n

Nowadays, and following the initial gamble by Google in 2011, numerous developed countries in Europe and elsewhere have the necessary technology and infrastructure in place for different applications to emerge as new payment alternatives. Initially, it was thought that the market launch of mobile payment technology would undergo rapid expansion. However, its growth was slower than predicted. This was mainly due to businesses requiring further support to ensure the technology could actually be used to make payments. Nevertheless, the IDC reports that, on the global level, mobile payments generated US$10.4 billion in transactions in 2014, and it predicts that payments using the NFC will account for US$29 billion in 2015.<\/p>\n

Chilean situation<\/b><\/p>\n

In Chile, alternative means of payment to cash include cheques, as well as credit and debit cards issued by banks. These cards are administered exclusively by Transbank, which is authorized to process payments made in established stores and online. In addition, shoppers can use non-bank retail cards and electronic transfers.<\/p>\n

The use of debit cards has increased significantly over the last decade. According to figures from the Chilean Association of Banks and Financial Institutions (ABIF), 43 million transactions were made in 2004, compared to 449 million in 2014.<\/p>\n

As such, the amounts generated by these transactions have also grown significantly. For example, in the quarter from January to March 2008, debit card transactions accounted for CLP$800.798 billion. This compares to CLP$891.395 billion in the month of January 2014 alone, just six years later.<\/p>\n

The use of bank credit cards has also increased over this period, albeit to a lesser degree. According to the Superintendency of Banks and Financial Institutions (SBIF), the number of transactions rose from 19 million in the first quarter of 2008 to 47 million in the same period in 2014.<\/p>\n

\"Line_3\"<\/p>\n

In addition to the increased use of bank cards is the digitalization of banks, which began in Chile in 2000. Procedures that previously involved face-to-face meetings in banks were quickly transferred to online systems, through which the customer was able to access the necessary tools to conduct their banking needs using an internet connection. Statistics reveal that the number of Electronic Funds Transfers (EFTs) made online rose from 47 million in 2004 to more than 272 million in 2014.<\/p>\n

Electronic transfers have become incredibly common for huge numbers of bank customers in Chile. The SBIF reports that during December 2014, more than six million different people conducted some kind of operation on the website of their personal bank.<\/p>\n

Accordingly, 20% of transactions undertaken by Chileans through Transbank systems are done online using cell phones. This represents about 2.5% of all transactions. In addition, there are now approximately 40,000 NFC payment terminals in operation, in pharmacy chains and Walmart and Unimarc supermarkets across the country. This means the conditions for the widespread roll-out of contactless payment using cell phones in Chile are now in place.<\/p>\n

Rodrigo Sol\u00eds, CEO of Ionix, a company which develops technology solutions for mobile payments in Chile, says various retailers and banks are looking to implement mobile payments. \u201cIn the next three years the main market players will have mobile payment solutions in place. When this finally happens, it will significantly speed up the process\u201d, he notes.<\/p>\n

Progress in Chile<\/b>\u00a0<\/span><\/p>\n

The first pilot of NFC technology in the country was launched in August 2013, called \u201cbilletera\u201d (meaning \u201cwallet\u201d). It was driven by Movistar in conjunction with Banco Santander, Samsung, MasterCard and Oberthur Technologies. Beginning with 200 participants, this project was the first step towards the use of mobile payment in Chile.<\/p>\n

Also in 2013, Copec launched the application PagoClick using the QR (Quick Response) system, whereby a code is read by a mobile device. This scheme allows customers to pay for fuel using a smartphone in more than 500 service stations across the country. The platform is available on App Store and Google Play, and once the application has been downloaded, customers can register their Transbank-associated credit cards and make transfers to buy fuel.<\/p>\n

Banco BBVA is another actor to have entered the mobile payment market, with its application \u201cBBVA Wallet\u201d, available on Android and iPhone. Since April, this application has been used by customers of the bank with Visa cards to make contactless payments in any store in which the required terminals are found, via the use of an adhesive sticker attached to their phones. Mauricio Fuenzalida, Business Development Manager at BBVA Chile, says that to date the initiative has been positively received and he hopes that its launch (the only one of its kind in South America) can evolve from the use of the sticker to NFC-enabled smartphones.<\/p>\n

At the moment, mobile payments in Chile are used by bank customers with credit and debit card accounts. However, Pablo Pastene, Executive Director of the Center for Innovation, Entrepreneurship and Technology (CIET) at the Universidad Adolfo Ib\u00e1nez, claims that in the future cellular technology will be implemented whereby customers can use contactless payments in-store using prepaid accounts.<\/p>\n

\u201cHaving money via a prepaid account on a cell phone will mean purchases can be made in stores. It will be equivalent to a credit card, but won\u2019t work with banks or Transbank, meaning transaction costs will be much lower\u201d, he says.<\/p>\n

One of the pioneers in this area is 46 Degrees. In 2014, this company, which has its roots in Chile, emerged to provide a service aimed at the unbanked population. It consists of a platform for paying for services via a contract or prepaid phone plan, bringing mobile payment to low-income populations that lack access to credit but which have a cell phone.<\/p>\n

In addition to mobile pre-pay in stores, experts predict the widespread growth of NFC. Applications for proximity mobile payments, which have established themselves in Chile in just two years, have created the foundation for the development of a new type of payment. According to Jaime Soto, General Secretary of the Chilean Association of Information Technology Companies (ACTI), in 2017 there could be 436,000 devices capable of making transactions via contactless technology (NFC). \u201cThis would have a positive impact on its growth\u201d, he says.<\/p>\n

Latest launches in the US<\/b><\/p>\n

The mobile payment platform Apple Pay was launched in October 2014 in the United States and is currently the only operator in the country. Using a touch identity sensor on the iPhone 6 and iPhone 6 Plus, customers can make payments using their finger prints in physical stores with NFC terminals and mobile phone applications.<\/p>\n

Another cutting-edge mobile payment application available in the US and South Korea is Samsung Pay, which allows transactions to be made at terminals with Knox protection. Available on the eGalaxy S6 and S6 edge, it can be used regardless of whether the terminals work with NFC or traditional card readers. Fernando Gonz\u00e1lez, Product Manager of Smartphones at Samsung Electronics Chile explains that, \u201cwe hope it (Samsung Pay) makes it to Europe before the end of the year and Latin America in the first quarter of 2016\u201d.<\/p>\n

One of the most recent NFC mobile payment technologies in the US is Android Pay. Launched by Google in May this year, it allows people with credit, debit and prepaid cards and small businesses using MasterCard to use their Android KitKat 4.4 phones or more recent models to buy in stores and in Android applications.<\/p>\n

Khipu, a Chilean success story<\/b><\/p>\n

As an alternative system to Transbank in Chile, Roberto Opazo has created Khipu, a business which provides electronic payment solutions for large companies, small and medium-sized enterprises, online businesses and individual people. The service is based on simplifying bank transfers through a terminal that can be installed for free on computers, tablets and cell phones.<\/p>\n

Unlike Transbank, Khipu enables payment in one day, has multi-bank alternatives and charges businesses a 1% profit margin with a cap of CLP$300 plus VAT, with no support or fixed costs. \u201cThis means that companies that are not earning today can now begin to do so\u201d, says Opazo.<\/p>\n

A few months ago, the electronic platform began its internationalization stage, granting exclusive \u00a0\u00a0marketing rights to Bolivia and leading to the birth of \u201cPagos Electr\u00f3nicos Bolivia – Khipu S.A.\u201d. This will enable payments to be made from all banks and financial institutions that have an online transfer platform, as well as the reception of funds in banks and financial institutions that have an operating agreement with Khipu.<\/p>\n","protected":false},"excerpt":{"rendered":"

Por Francisca Castillo y Catalina Jofr\u00e9\u00a0 Si bien el pago m\u00f3vil ha tenido un lento despegue en Chile, expertos coinciden en que actores del mercado est\u00e1n apostando sus fichas por hacer que al corto plazo este medio de pago se masifique, mejorando la experiencia de pago de los usuarios.\u00a0 Chile es uno de los pa\u00edses […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"template":"","news_tax":[],"user_type":[],"class_list":["post-9383","news","type-news","status-publish","hentry"],"acf":[],"yoast_head":"\nDel pago digital al pago m\u00f3vilFrom digital payment to mobile payment - AmCham Chile<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/amchamchile.cl\/noticia\/del-pago-digital-al-pago-movil\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Del pago digital al pago m\u00f3vilFrom digital payment to mobile payment - 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