Publicación de Juan José Ramírez

For the past few weeks, I've been working on @kovo.cobros 📱 (on Instagram), a mobile app tailored for the Chilean market aimed at helping individuals and small businesses stay on top of pending transactions. While the U.S. market has apps like Venmo, Zelle, and Cash App to tackle this issue, Chile has versions like Mach and Tenpo. Yet, they've struggled to catch on 🤔. With Martin Alamos, we took a step back to figure out why. Here's what we found: - People are hesitant to download apps just to pay, especially when both parties need the app. - Chilean bank transfers are convenient, instant, and often free, making them the go-to choice for many. Small businesses also encounter similar obstacles. Consider my sister, who sells avocados locally. Here's a snapshot of her challenges: - Difficulty tracking payments: She needs help keeping tabs on who paid and who still needs to. - Reminders can be tricky: It's okay the first time, but it starts feeling awkward with repeated reminders, especially after the second or third attempt. That's why we created Kovo – a user-friendly mobile app to manage pending transactions with hassle-free reminders and no download needed on the other end 🚀. We're gearing up to launch the Beta version soon. Curious to see it in action? Stay tuned for our demo video! 🎬

🎉𝐄𝐱𝐜𝐢𝐭𝐢𝐧𝐠 𝐍𝐞𝐰𝐬 𝐟𝐫𝐨𝐦 𝐈𝐦𝐩𝐞𝐫𝐢𝐚𝐥 𝐈𝐓 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬! 🎉 We’re proud to announce the launch of the online payments feature in the 𝐃𝐞𝐬𝐢𝐔𝐊𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐚𝐩𝐩, developed by our team. This new addition means no more hassle in managing your payments – all debit/credit cards and wallets are now accepted. Here’s the scoop: ✅Simple and secure payments with all major cards and wallets. ✅Please be aware of an 𝐨𝐧𝐥𝐢𝐧𝐞 𝐩𝐫𝐨𝐜𝐞𝐬𝐬𝐢𝐧𝐠 𝐟𝐞𝐞 , as we’re utilizing Stripe, a trusted third-party payment processor. Our goal is to make transactions as seamless as possible for both communities and service providers. With online payments, managing your bookings is now easier than ever. Got events to promote? 𝐑𝐞𝐚𝐜𝐡 𝐨𝐮𝐭 𝐭𝐨 𝐃𝐞𝐬𝐢𝐔𝐊𝐂𝐨𝐧𝐧𝐞𝐜𝐭 𝐚𝐧𝐝 𝐠𝐞𝐭 𝐲𝐨𝐮𝐫 𝐞𝐯𝐞𝐧𝐭𝐬 𝐟𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐨𝐧 𝐭𝐡𝐞 𝐚𝐩𝐩. We’re excited to see how this new feature enhances your experience! Warm regards, 𝐓𝐡𝐞 𝐈𝐦𝐩𝐞𝐫𝐢𝐚𝐥 𝐈𝐓 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐒𝐨𝐥𝐮𝐭𝐢𝐨𝐧𝐬 𝐓𝐞𝐚𝐦 💫 #mobileapp #mobileappdevelopment #digitalmarketinguk #digitalmarketing #mobileappdesign #app #indianapp #android #applestore #mobileappdesign #mobileapplication #androidapp #iapp #startup #communityapp

Have you started investing yet?? 😱 Mobile Apps have become your Passport to Easy Investing ✨ It would be safe to say that in today's digital age, mobile apps have revolutionized the way we invest, making it more accessible and user-friendly than ever. Whether you're a seasoned investor or just starting out, the power of the smartphone is your greatest ally in building your financial future. Being a product manager I happend to have explored how mobile apps have changed the game, with examples like Groww, India, Zerodha, ET Money, and Paytm Money leading the charge. 1. Simplified Access: Apps like Groww, India have transformed the investment landscape, providing a user-friendly platform to explore and invest in mutual funds, stocks, and more. With intuitive interfaces, they've made investing a breeze. 2. Cost-Efficiency: Zerodha, a pioneer in discount broking, has slashed brokerage costs, democratizing trading and investing for everyone. 3. Data-Driven Decisions: Apps like ET Money offer a wealth of data and insights, empowering users to make informed decisions. From tracking expenses to real-time market data, it's all at your fingertips. 4. Diversification: These apps offer diverse investment options, allowing you to tailor your portfolio to your financial goals and risk tolerance. 5. On-the-Go Access: With mobile apps, you can manage your investments from anywhere. Your portfolio is in your pocket. The bottom line: Mobile apps have democratized investing, breaking down barriers and putting the power of wealth creation in your hands. I work at LXME, where we are empowering women to take control of their finances through inclusive and user-friendly investment tools, fostering financial independence and security. Explore these apps to begin your investment journey. Your financial future has never been more accessible. 📈💼 #product #productmanagement #investing #mobileapps #financialinclusion #Groww #Zerodha #ETMoney #PaytmMoney #LXME

Can the "super app" model work in North America? Super apps act as a one-stop-shop for, well everything. They provide multiple services within one app, becoming a self-contained platform for commerce and communication. You can book a ride, order takeout, buy entertainment, food and essentials, and pay or donate without switching from app to app. There are quite a few around, particularly in the Middle East, Africa and Asia. WeChat, AliPay, Grab… One that’s growing at some speed is Careem (owned by Uber). Within one year, the super app recorded 97m rides and 26x growth in grocery orders. Its digital payment platform, Careem Pay, launched in April last year and already has over 2.9m users too. I wonder if there’s a place for super apps in North America right now. I personally don't like them. I much prefer a marketplace of single-purpose apps, a multitude of services offered by different companies, rather than a massively centralized one. There are also concerns about regulatory issues... It’ll be interesting to see how Musk plays it with X. Do you think there’s a place for super apps here? #ecommerce #superapps #appdevelopment

iMobile, BHIM Axis Pay, BHIM SBI Pay, Pay Zapp Why is every company making its UPI app even when there are no charges on UPI payments? Creating UPI apps allows companies to offer a convenient and seamless payment experience to their users. While there may be no charges for UPI transactions, companies can integrate these apps into their ecosystem, enhancing user engagement and providing additional services, ultimately contributing to their overall business strategy and competitiveness in the market. In addition to this, there are various other avenues for monetizing UPI apps which we will discuss in next post. Stay tuned...... #upi #paymentindustry #paymentinfrastructure #linkedinforcreators

The Google Wallet app is now downloadable from the Google Play Store, its availability remains restricted as the rollout is currently limited It appears that the Google Wallet listing included screenshots showcasing the app's features tailored for the Indian market Google Wallet offers a comprehensive solution for managing various forms of payment methods, including debit cards, credit cards, loyalty cards, gift cards, and digital currencies #startupnews #indianstartupnews #fundingalert #Acquisitionalerts #funding #startupsucess #startupbusiness #startupchallenge #startup

Check out my new column in Funds Society magazine about “Financial Digitalization, Trends, and Challenges”, and gain insights into: 📱 The challenges of building #Fintech apps, including requirements and security considerations 👍 The importance of offering clients user-friendly #apps for convenient financial access 💡 How cross-platform technologies like #Flutter can speed up development, saving time and money Thanks Funds Society for providing me with this valuable platform to discuss such a vital topic for the #Finance industry. The magazine's dedication to providing insights and fostering knowledge is truly impressive! The full column is available in Spanish here👇

💸 Attention All UPI Users! Big Change Makes Payments Even Easier for You! Did you know? The RBI's new UPI rule lets you use your PhonePe balance (or any other wallet!) on any UPI app! This means more choice and convenience for everyday payments. This means: 🔹More Choice: Pay bills, send money, or shop online through your favorite UPI app, regardless of where your funds are parked. 🔹Greater Convenience: No more juggling multiple wallets! Manage everything seamlessly from the app you already love. 🔹Potential for Better Deals: Competition is healthy! This rule could lead to more user-friendly features and promotions across UPI apps. This is a game-changer for everyday transactions! What are your thoughts on this change? How to leverage this for wider customer reach? #UPI #Fintech #DigitalPayments #DigitalWallet #UPIRules

April 2022 There was a problem in the market with no solution. The original idea was that there are all these different payment platforms, you have Venmo, PayPal, Cash App, etc The reality is that oftentimes, the way you want to pay doesn't always match up with the other’s desired method. We set out to build a platform that allows you to pay however you want and the person you're paying to receive it however they want. Example - Someone can pay you in Venmo and you can receive it in CashApp. We spent a year validating this idea with minimal investment, We built the tech, But, there were still two major roadblocks stopping us … Which led to our pivot. The pivot that birthed our current product, The Anywaypay that can be found on your App store, today. PS, this is part 1 of the 2-post origin story.