This is how to be an engineer in Kushki

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Magdalena Ovalle
Líder de Comunicaciones Internas @ Kushki
abril 27, 2021
Lectura de 2 minutos
This is how to be an engineer in Kushki

In Kushki we want to connect Latin America with payments, delivering safer, agile and well-designed payment methods. For that to happen, there is a whole engineering team behind which designs our products and cares about all details. In fact, our team is expanding and we recently went to news for trying to triple the number of engineers in our company during this 2021.

Today on the blog, we spoke with Jairo Vera, senior developer of the Final Products tribe and Iraida Barreto, software developer for Kushki's engineering team, respectively.

Jairo is a professional system engineer and its main activities are to implement new company requirements in code, review systems and correct failures that can affect company services.

Iraida, for its part, is an audiovisual and multimedia communicator and is currently completing the career in System Engineering. She is responsible for development stories or, “small parts that make up a product”, as it calls it, to be made reality through code. In addition, it carries a project in the company called Kushki Meetups: a digital space to share knowledge towards the Spanish-speaking tech community, which is transmitted through Kushki's YouTube channel.

A Multidisciplinary Challenge

For both work in Kushki has been a challenge in their careers, it has made them leave their comfort zone and learn a little more every day. “Being a development engineer in Kushki has been a professional and personal challenge, where daily and daily I find valuable lessons that are based on a knowledge based on collaboration, innovation and respect for a culture of development, which is reflected in each line of code,” explains Iraida.

For Jairo, new technologies have been key knowledge. “I have learned back-end using serverless or no server models, and also to manage me with Amazon Web Services that provides cloud services. In the short time I have in Kushki, I can say that you literally learn about everything,” he says.

Accelerated Growth

The engineering team in Kushki has been rapidly increasing its capacity. Today they are 117 and each week new people enter all countries where the company operates. “I feel a witness to a great story, because every time a new member enters it means that we are growing. This is something very positive for our region,” says Iraida.

For Jairo, a key point in Kushki work is that everyone on the team is supported to achieve the proposed goals. “At the beginning, it can be plaintiff because of the technologies used and architecture, but gradually the pace is grabbed,” he explains.

Both note that if you are willing to learn and let yourself be surprised by Latin American talent, entering Kushki can be the option for you. “You will work with the latest in software tools and technological infrastructure, which will allow you to accelerate and perfect your knowledge in technical equipment development and leadership processes. You will discover the day to day that is behind a payment platform, and how something that seems so fast and systematic, houses a large number of processes that give you a new vision of how the fintech world works,” says Iraida.

Jairo also highlights that Kushki always has new technologies and good practices to deliver quality products. “We never stay static at all,” he says.

These are only some of the features of working as an engineer in Kushki. A team that grows week to week with a common goal: developing the best possible products for the final customer.

We are constantly looking for new profiles. If you are interested in posting, check out the vacancies available in our Linkedin profile.

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In the digital transformation of telcos, payments gain prominence

In the digital transformation of telcos, payments gain prominence

Telecommunications or telco companies are known as some leading companies in the path of digital transformation. It is logical: They work with the Internet, with new technologies, helping that all productive sectors can connect at the speed of a click. Access to telcos' services is becoming more and more massive, because according toStatistathere are about 4.6 billion Internet users worldwide The International Telecommunication Union (ITU) ensures that around 97% of the world's population has access to a mobile cellular signal. A F5 Networks report ratifies it and says that telco companies are becoming the digital pioneers and transformers of the business world, with up to 80% of their professionals working on projects of this trend, compared to 69% of the other sectors. But the truth is that, according to experts, this sector also carries risks if not modernized integrally, especially in matters related to payments and with customer attention and satisfaction. The pandemic is not making the situation easier, with a planned growth of the sector that decreased from 6% to 3% with the health impact of the Covid-19. These reductions, according to IDC, could mean losses of up to USD 4 billion in connectivity for the whole of Latin America, only in 2020. Benefits of digital transformation In addition to jumping into the digitization bus, which is a tendency worldwide, it is estimated that a digital transformation process in telecommunications companies can improve EBITDA, that is, gross profit calculated before expenses, by more than 30%. The same happens with consumer satisfaction, which is also notoriously increased by about 30%. In terms of internal affairs of the company, employee satisfaction rises by 50% and reduces operational expenses by more than 50% when making more optimal and efficient use of resources. According to a survey conducted by EY, called Digital Transformation for 2020 and Beyond, 71% of those surveyed from telco companies, believe that process automation is what will guide the path for the digital transformation of their companies. Also, 51% believes that data analytics will be essential. In that, respondents themselves pointed out that legacy and lack of technical skills are the biggest hindrances of digital transformation in their companies. How can fintech and telcos collaborate? With the pandemic and saturation of its market, there is no doubt that telco companies are being challenged in multiple aspects. On the other hand, fintech is a sector that has demonstrated impressive potential, especially in the last year. With these two sectors collaborating, impact is safe. If telecommunications companies take advantage of fintech services and incorporate digital payments in different formats for their services, they can obtain profits in processing fees, operating costs, and even in currency conversions, in the case of companies with a presence in several countries of the globe. From the customer side, having digital payments allows the consumer to ensure the supply of telephone or internet services without being cut-off for forgetting a manual payment, having subscriptions accessing discounts, and defining which payment periodicity he/she prefers, among many other features. It sounds simple and obvious, but the customization of services is more relevant than we all believe, and subscriptions, through debit and credit cards, are gaining space in the world. Generation Z and new customers The consolidation as consumers of millennials, and the appearance of Generation Z (born from 1994 onwards) means that today, a large portion of the current customers of telecommunications companies are digital natives and large internet users. For the same reason, they tend to adopt new technologies early and almost automatically. That's why telcos cannot be allowed to lower the pace of innovation, since with the high competition, which will increase even more with the arrival of the 5G network, numerical portability, and all facilities for changing from a company today, it is not feasible to leave digital trends aside, because that would make them obsolete in the market rapidly quickly. It is proven that a good payment experience and good attention help to keep the customer happy and gain loyalty, so implementing a digital payment system that incorporates customizable subscriptions and recurrences is a good alternative for telcos. A gain for both sides In an industry such as telecommunications on is, where changes are constantly approaching, it is important to choose a good partner, that delivers the services necessary to not lose the customer. There, fintech have much to contribute to telcos, to be able to stay competitive, to improve the experience and go hand in hand with all the advances that are coming in the industry.
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Magdalena Ovalle
Líder de Comunicaciones Internas @ Kushki
abril 15, 2021
Progress of fintech bill in Chile

Progress of fintech bill in Chile

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Magdalena Ovalle
Líder de Comunicaciones Internas @ Kushki
marzo 01, 2021
Digital payments: An ally for the insurance industry

Digital payments: An ally for the insurance industry

Digital payments: a strategic ally for the insurance industry Last update: May 2025 Historically analog, the insurance industry has undergone a radical transformation thanks to technology. In particular, with the arrival of insurtech companies, which combine insurance with technological innovation to offer more agile, personalized, and digital experiences. This disruption has reshaped user expectations. According to the World Insurance Report 2024, the new equation of trust in the sector is based on two key factors: a seamless digital experience and recommendations from other users. In addition, there is a growing preference for non-traditional insurers, especially among younger, more digitally savvy generations. Why is this relevant? Globally, the insurance sector remains a key part of the economy. By 2024, the estimated value of the industry was US$6.2 trillion, with North America, Europe, and Asia leading the market. In Latin America, although penetration remains low in comparison (with average annual spending per capita of around US$320, according to Swiss Re data), growth opportunities are significant. The insurtech ecosystem in the region continues to strengthen. According to the Latam Insurtech Report 2023 by Digital Insurance LatAm, there are more than 450 active insurtech companies in Latin America, with Mexico, Brazil, Colombia, Argentina, Chile, and Peru as the main hubs of innovation. In addition, during 2023, US $9.3 billion was invested in insurtech globally, reflecting the continued interest in digitizing the insurance industry. Who will be the winners? Among the more than 800 active insurtech companies globally, three main models stand out: Enabler They provide B2B solutions to digitize processes within traditional insurance companies. From risk analysis platforms with artificial intelligence to APIs to integrate real-time payments. Partner They operate in partnership with established insurance companies. Insurtech companies provide the technology, and insurance companies provide operational and legal support. Challenger Licensed insurtech companies that offer products independently. They compete directly with traditional insurers, often with 100% digital offerings. Investment in technology has been key: in 2023, the industry allocated more than US$225 billion to digital transformation, prioritizing areas such as payments and automation. The importance of digital payments One of the most critical points in the customer experience continues to be the payment process. Insurers are focused on fully digitizing and automating this stage. According to Celent's Insurance Digital Payments 2024 report: 78% of insurers plan to automate their collection and payment processes by 2026. 61% prioritize eliminating the use of checks in the next 24 months. In addition, the payment experience directly affects customer loyalty. In a survey by VPay and PYMNTS.com, 97% of consumers said that speed and simplicity in payments are decisive factors in continuing with an insurance company or switching to another. There are also operational benefits: processing a check can cost between US$5 and US$18 per transaction, while digital payments can reduce costs by up to 60% and speed up response times by 80%. More risk, more policies Crises tend to trigger greater interest in insurance. During and after the pandemic, there was significant growth in health, life, mobility, and cybersecurity policies. Allianz Partners reported a 240% increase in demand for international health insurance between 2020 and 2023. In this context, insurers need to respond quickly. This is where digital payments play a central role: they enable policies to be issued in minutes, automate collection, and process reimbursements without friction. Conclusion The future of insurance in Latin America depends on its ability to digitize. And within that transformation, digital payments are a strategic necessity. Insurers that are committed to improving the user experience, optimizing their operational efficiency, and integrating modern payment solutions will be better positioned to gain market share, build trust, and retain their customers. Want to transform the payment experience at your insurance company? At Kushki, we help insurance companies in Latin America digitize and optimize their payment processes, improving the customer experience and reducing operating costs. Let's talk and discover how we can help you take your operation to the next level. 👉 Contact us here
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Magdalena Ovalle
Líder de Comunicaciones Internas @ Kushki
febrero 08, 2021