Colombia se perfila como líder regional en la industria de pagos en tiempo real

TL;DR

Colombia has the potential to become a leader in digital payments in Latin America.
The country's prior experience with electronic payments has facilitated the adoption of immediate payment systems.
It is important not to copy models from other countries, but to adapt to local characteristics and infrastructure.
The central bank (Emisor) has played a decisive role in advancing payment systems by creating harmony and offering new services.
Artificial Intelligence is a natural enabler for the new payment ecosystem, improving efficiency and security.
AI will not replace humans but will complement them, leading to hybrid systems for fraud prevention and payment processing.
AI can automate payment routes, making transactions 'invisible' and more convenient for users.
Financial education is crucial for the success of new payment systems, as less informed users are more vulnerable.
The responsibility for financial education lies with banks, the government, and the central bank.
The development of immediate payments should also focus on business-to-business transactions, not just person-to-person.
Flexibility in payments is vital for SMEs, allowing for earlier payments to improve liquidity and deferred payments to manage cash flow.

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