We Believe Holding, which is the parent company of the popular financial companies (sofipos) We believe you and CAMEand soon from Smiths Benchexpects to reach 10 million customers by 2026 with digital services, assured its CEO Jorge Kleinberg.
In an interview, Kleinberg spoke about how the two sofipos of TeCree Holding have begun their digitization process and for which they rely on the banking core of the firm Mambu, which gives them the possibility of operating their services in the cloud and in line with the requirements of the National Baking and Stock Commission.
“We are going to seek to deepen our presence in the market much more. Physically we have a presence throughout the country, but that does not mean that there is no need to go deeper… We bring a project to reach at least 10 million customers served for the next four years,” said Kleinberg, who added that this plan could be complemented if the acquisition of Banco Forjadores is completed in its entirety.
Currently, both the sofipo TeCree and CAME together serve more than 1 million customers, especially with savings and microcredit services. In this scenario, Kleinberg recognized that, given the challenges of the new reality, where digitization has gained momentum, it is necessary to start offering services beyond the traditional, so his alliance with Mambu will serve that purpose.
“Clearly our objective is to go to a process where we can have our banking core in the cloud, to have the capacity and speed of response and growth that the cloud gives you and, on the other hand, the versatility of modern connectivity that allows you to make communication with your customers much more dynamic”, Kleinberg pointed out.
According to the executive, the process of adopting a new banking core does not consist in a migration of operations, as is traditionally the case, but in the adoption of this tool for the origination of new services. “We are not migrating operations, but we are connecting to Mambu and we are beginning to originate both new credits and new savings on a very dynamic digital platform.”
A few days ago, Kleinberg presented Techreo, which is an application supported by CAME to offer digital financial services to small and medium-sized businesses in the country. “We are gradually developing a new set of products and services. More than inventing things, it is a new way of how we can serve customers, it is to be able to provide services in the palm of the customer’s hand.”
Proximity of services
Although TeCree and CAME are consolidated entities in the microfinance market, for Kleinberg there is still a large potential market, especially at the base of the pyramid, where there are more than 75 million adults and many of them require financial services.
For Alejandro Masseroni, general manager of Mambu in Mexicosofipos play a very important role in bringing financial services closer to the population pyramid, especially with the issue of proximity, which is why their Software as a Service (SaaS) tool allows this type of institution to develop digital products and with greater flexibility.
“If the sofipos achieve closeness in terms of the type of institution they are for the profile of the client they have and then with the approach of technological tools, they will make a very big difference… The tool that we offer allows not only to choose how it goes evolving their offer, but also all the knowledge they adopt in terms of best practices. This gives speed and agility super important to this type of institution,” Masseroni said.
Kleinberg pointed out that the intention of this alliance will be to create credit and savings products and services and also adopt a transactional approach, where a person can digitally send and receive money from third parties, make payments for services and take out insurance.
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