Banxico y Amazon crean proyecto para realizar pagos móviles – Infobae America

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Banxico y Amazon crean proyecto para realizar pagos móviles – Infobae America

El Banco Central de México (Banxico) está en conversaciones con Amazon para lanzar un nuevo sistema de pagos móviles, respaldado por el Estado, que permitiría a los consumidores pagar por compras en línea usado códigos QR, dijo este martes el director general de pagos del banco.

Sería la primera vez que Amazon, la minorista en línea más grande del mundo, ofrece la tecnología de escaneo en México, con lo que eventualmente podría abrir una nueva base de clientes en un país donde más de la mitad de población no tiene una cuenta bancaria.

El sistema de pagos, conocido como CoDi, administrado y creado por Banxico, permitirá a los clientes realizar pagos en línea y en persona a través de sus teléfonos inteligentes de forma gratuita utilizando códigos QR. Su objetivo es atraer a más personas al sector financiero formal. Según explicó Banxico, se espera que el proyecto piloto arranque en este mes.

Amazon y su rival argentino MercadoLibre, se han acercado a Banxico para analizar cómo incluir CoDi como una modalidad de pago adicional a las que actualmente tienen, dijo a Reuters Jaime Cortina, director general de Operaciones y Sistemas de pago de la entidad monetaria.

An Amazon.com Inc. logo sits on the exterior of the company's fulfilment center in Koblenz, Germany, on Friday, Nov. 23, 2018. Germans are expected to buy about 2.4 billion euros worth of goods on Black Friday and Cyber Monday, an increase of about 15 percent over last year. Photographer: Alex Kraus/Bloomberg
Tanto Mercado Libre como Amazon están en conversaciones con Banxico (Foto: Alex Kraus/Bloomberg)

Amazon no quiso hacer comentarios, sin embargo, MercadoLibre confirmó que su plataforma de cobro, MercadoPago, he estado en contacto con Banxico para buscar soluciones de pago digitales, aunque no dio mayores detalles.

La banca móvil es popular en otros mercados emergentes como China, India y Kenia, y ha sido impulsada por aplicaciones asequibles y fáciles de usar para las compañías privadas.

Jaime Cortina dijo que los minoristas en línea no deberían tener problemas para incorporar la tecnología al mismo tiempo que los bancos y otros participantes en el sistema de pago interbancario existente, que es la base de CoDi.

Buscan alentar a los clientes no bancarizados a comprar en línea (Foto: Pascal Rossignol/Reuters)
Buscan alentar a los clientes no bancarizados a comprar en línea (Foto: Pascal Rossignol/Reuters)

Ambas minoristas desean alentar a los clientes no bancarizados a comprar en línea y permitir pagos en efectivo en tiendas de conveniencia. Amazon también lanzó su primera tarjeta de débito el año pasado, dirigida a consumidores sin tarjetas de crédito.

El nuevo gobierno del presidente Andrés Manuel López Obrador está apostando a la tecnología financiera para ayudar a sacar a los mexicanos de la pobreza. La amplia aceptación de CoDi marcaría un paso importante en su estrategia de inclusión financiera.

Con información de EFE

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