El pasado 30 de septiembre, se cumplieron cinco años del lanzamiento de Cobro Digital (CoDi) en México, una plataforma desarrollada por el Banco de México para facilitar los pagos electrónicos. Aunque ha mostrado un crecimiento progresivo, aún no ha alcanzado la masificación esperada. En contraste, el éxito de la plataforma brasileña Pix, lanzada en 2020, ha sido impresionante, y su adopción ha superado el 70% de la población en menos de un año.
La plataforma mexicana tiene el potencial de replicar ese éxito. Según los expertos del Sistema de Transferencias y Pagos (STP), con los ajustes correctos, CoDi podría consolidarse como un líder en la digitalización de pagos en América Latina, promoviendo la inclusión financiera y la modernización del ecosistema financiero mexicano.
El Potencial de CoDi y el Ejemplo de Pix
CoDi fue diseñado para permitir pagos digitales rápidos y seguros utilizando un código QR. A cinco años de su lanzamiento, ha procesado más de 13.8 millones de operaciones por un monto de 12.9 millones de pesos, con más de 2 millones de usuarios que han realizado al menos un pago. Aunque estas cifras son notables, contrastan con el crecimiento explosivo de Pix en Brasil, donde la accesibilidad y la promoción masiva fueron clave para su adopción rápida.
En Brasil, Pix se ha convertido en una herramienta crucial, permitiendo pagos instantáneos mediante códigos QR, números de teléfono o correos electrónicos. Esto ha facilitado su uso tanto para individuos como para comercios, independientemente de su tamaño. La promoción masiva del Banco Central de Brasil y de las instituciones financieras, así como los incentivos a usuarios y comercios, aceleraron su popularización.
¿Qué puede aprender México del caso Pix?
Según Jaime Márquez Poo, Socio y Director Ejecutivo de Desarrollo de Negocios en STP, México enfrenta desafíos relacionados con la preferencia por el efectivo y la necesidad de una mayor educación financiera. Sin embargo, Márquez resalta que CoDi tiene un gran potencial para transformar el ecosistema de pagos en el país, siempre y cuando se sigan ciertas estrategias clave.
Estrategias para impulsar CoDi en México
De acuerdo con los expertos de STP, México puede acelerar la adopción de CoDi a través de una estrategia integral que contemple los siguientes puntos:
1. Educación financiera y promoción
Las entidades financieras y fintech en colaboración con el gobierno deben enfocarse en campañas de concienciación sobre los beneficios de CoDi. Es esencial simplificar el mensaje, especialmente en las zonas rurales y en los sectores no bancarizados. La educación digital también es clave para promover el uso del sistema entre los ciudadanos que aún desconfían o desconocen sus ventajas.
2. Incentivos para usuarios, comercios y empresarios
CoDi ya ofrece un beneficio significativo: el ahorro en comisiones, que puede llegar hasta los $84,000 pesos anuales para comercios y pequeñas empresas, al eliminar la necesidad de terminales punto de venta. Sin embargo, Karina Cázares, Gerente Sr. CoDi en STP, sugiere que ofrecer descuentos o recompensas a los usuarios que utilicen CoDi podría ser un incentivo eficaz, siguiendo el ejemplo de Pix, donde los beneficios directos aceleraron su adopción.
3. Colaboración con Fintechs y Bancos
Uno de los pilares del éxito de Pix ha sido la colaboración entre bancos, fintechs y entidades regulatorias**. Esta alianza estratégica permitió una integración eficiente del sistema, alcanzando a millones de usuarios en poco tiempo. México puede fortalecer CoDi haciendo alianzas similares con plataformas tecnológicas que faciliten su integración en apps de uso cotidiano y que promuevan su adopción entre usuarios jóvenes y tecnológicamente activos.
El Potencial de CoDi para la Inclusión Financiera
El Banco de México ha dado pasos importantes hacia la digitalización de la economía a través de CoDi, pero el camino hacia la masificación del sistema aún está en construcción. A medida que el país avanza hacia un futuro sin efectivo, las plataformas de pagos digitales como CoDi se convierten en herramientas esenciales para promover la inclusión financiera y cerrar la brecha económica.
STP, que ofrece la integración con Banxico a más de 1,500 empresas, ve un gran potencial en CoDi. “Aprender del éxito de Pix en Brasil y adaptar esas estrategias efectivas podría posicionar a México como líder en pagos digitales en América Latina”, afirma Márquez.
El reto está en fortalecer la confianza de los usuarios y en diseñar una estrategia integral que promueva la adopción de CoDi en todos los sectores. La clave será ofrecer una plataforma accesible, segura, y beneficios tangibles para quienes decidan utilizarla, tanto a nivel personal como empresarial.
Conclusión:
México está en una posición estratégica para consolidar a CoDi como un referente en pagos digitales, siguiendo los pasos del éxito que Brasil ha tenido con Pix. Con una combinación de educación financiera, incentivos atractivos y una colaboración sólida entre actores del ecosistema financiero, CoDi puede ser el motor que impulse la inclusión financiera y la digitalización económica del país.
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