About simplifying complexity to make a real impact on people. And that’s what we shared at the 5B Digital Summit, organized by ATEFI in Guatemala City, where our Chief Commercial Officer, Francisco Marambio, represented the company before leaders from across the region.
His presentation, Evolving the payment infrastructure: simple, agile, and customer-centric, connected with a challenge we face every day in the industry: how to modernize our platforms without shutting down operations and, above all, without losing sight of those on the other side of the transaction.
Who hasn't had a bad payment experience?
Francisco Marambio opened the conversation with an everyday example. Everyone, even those of us who work in payment methods, has experienced failures when paying in a physical or digital store. While the user experience advances, many of the platforms that support it remain anchored in legacy models.
At CLAI PAYMENTS® Technologies, we are clear about one thing: payment infrastructure is no longer a technical issue, but a competitive advantage. And those who are not willing to transform it run the risk of being left out of the game.
Click here to watch Francisco Marambio from CLAI PAYMENTS® Technologies speak at the 5B Digital Summit.
In his speech at the 5B Digital Summit, Francisco Marambio, CCO of CLAI PAYMENTS® Technologies,, presented a clear vision of the challenges and opportunities of modernizing the payment infrastructure in Latin America. Using real-life examples, he discussed how simplifying architectures, adopting modular models, and aligning business and technology allows operations to scale without compromising continuity or customer experience.
Latin America is changing. Payments are too
During the presentation, we also shared figures that demonstrate the rapid change in consumer habits in our region: the growing importance of digital wallets, sustained growth in e-commerce, and the rise of account-to-account payments, as demonstrated by the case of PIX in Brazil.
In this context, the question is no longer “Should we modernize our platforms?” but rather “How do we do so without losing agility, security, or operational continuity?”
Transform without shutting down engines
Modernizing a payment platform is, as Francisco said, like changing an airplane’s engine in mid-flight. And we know what that entails. Business areas need to launch products faster, get there before the competition, and offer superior experiences. Meanwhile, technology areas must ensure that everything works, with no room for mistakes.
We understand that tension. That’s why we support our clients with a progressive, modular, proven, and secure approach. We design solutions that enable innovation without compromising current operations.
The pain points are clear, and so are the solutions
Today, financial institutions in the region face four major structural challenges:
1. Fragmented systems that hinder traceability and increase the risk of errors.
2. Low interoperability, which makes each new integration more expensive.
3. Manual processes that limit scalability and efficiency.
4. Traditional cryptography, with low levels of traceability and security.
Our proposal: simplify to scale
In each project, we propose a transformation based on three pillars:
- Simple architectures, which favor faster and less costly integrations.
- Modular platforms, which allow for step-by-step progress without relying on complex, unified processes.
- Real alignment between business and technology, because that is the only way to achieve sustainable impact.
This approach has already enabled our customers to:
- Reduce the time required to enable new channels by more than 40%.
- Implement immediate digital issuance and tokenization in minutes.
- Incorporate cryptography as a service, reducing operating costs by up to 50%.
- Automate testing and scale new services more quickly.
Today more than ever, we are committed to building a simpler, more agile, and more human payment ecosystem for Latin America. And events like the 5B Digital Summit inspire us to continue collaborating with all stakeholders who share this purpose. If you are interested in our solutions and simplifying the operation of your payment infrastructure, please leave your details below and a specialized agent will contact you.
