La importancia de ser ágiles

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Rafael López
Business Analyst Lead Payments @ Kushki
mayo 25, 2020
Lectura de 2 minutos
La importancia de ser ágiles

Quizás alguna vez has escuchado que crisis en japonés significa oportunidad, lo cual, en parte, es cierto. Realmente la traducción de crisis a nuestro idioma es: riesgo y oportunidad. Así, lo que nos pretende decir esta cultura milenaria es que, la crisis es el momento para atreverse, sacar provecho y evolucionar frente a los retos que nos impone el presente.

Para aprovechar las oportunidades hay que ser ágiles. Esto implica estar atentos a los cambios y listos para afrontar situaciones adversas sin que estas lleguen a impactarnos más de lo previsto. Lo que a su vez, facilita la toma de decisiones con la confianza de tener el respaldo de un equipo comprometido. Es indudable el temor que genera para algunas organizaciones implementar la cultura del agilismo, pero este se puede reducir al contar con los aliados estratégicos indicados, que aporten valor y complementen con la experiencia que se requiere.

“La transformación digital no es una opción, es una obligación”

Hemos visto día tras día cómo las empresas están evolucionando porque el mercado así lo exige, y quedarse por fuera de esta transformación llevará al camino de la extinción. El comercio digital se encuentra en auge y se fortalece más cada día que transcurre. Los hábitos de compra de las personas están migrando al consumo a través de internet, donde contar con una pasarela de pagos segura puede hacer la diferencia para un negocio.

Por esto, Kushki, garantiza que todas las transacciones cumplan con el estándar máximo de seguridad, al contar con la certificación PCI-DSS Nivel 1 propia e infraestructura robusta. Brindado así, tranquilidad a los compradores, al asegurar que sus pagos no estarán expuestos a fraudes, lo cual, lastimosamente es uno de los mayores riesgos de este mercado.

En Kushki somos una familia 100% ágil que conoce las exigencias del ecosistema digital donde día a día surgen nuevas necesidades que nos obligan a estar listos para llevar soluciones factibles en tiempo y costo.

Metodologías Kushki

En esta era, todo negocio que desee tener éxito debe mantenerse ágil. Pues, la agilidad crea una cultura empresarial transparente, donde todo el equipo se involucra generando una rápida capacidad de adaptación.

Por otro lado, para generar resultados de calidad, las organizaciones requieren enfocarse en la mejora continua, a través de esfuerzos progresivos, tal como lo define el término japonés Kaizen, a fin de cambiar el status quo. Esto se logra mediante un mejoramiento continuo a través de pequeñas y grandes acciones de forma diaria. Es un concepto individual y grupal que lleva a cambiar la mentalidad de los miembros del equipo. Por lo que, constantemente inspeccionamos nuestros procesos para identificar oportunidades de mejora.

Para asegurar agilidad en los procesos, existe una gran variedad de metodologías, entre ellas: Scrum, Crystal, XP, Kanban, etc. Cada una de ellas tiene sus propias características y puntos en común, pero lo más importante es que se pueden adaptar según las necesidades de la empresa o proyecto. Todas promueven valores como comunicación, compromiso, seguimiento y empatía en los miembros del equipo. Después de todo, un equipo unido y motivado genera grandes resultados.

Todas las estrategias que puedan tomar las organizaciones encaminadas a mejorar la productividad son importantes, pero sin duda el agilismo es una opción que aporta grandes beneficios. Este requiere compromiso, ya que no es algo que se implemente de la noche a la mañana, sino una cultura que se construye día a día.

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In the land of coronavirus, technology rules

Adapting to technology: a new challenge for businesses Today, citizens' health and protection have prevailed over all other variables, stopping industries and processes. Their digital transformation has steadily become (and will be, even more) a strategic ally to increase the awareness that the value chain of enterprises (whether digitally or non-digitally native) does not need to be limited to the physical world for their transactional development. After we have got over this situation, consumers will change their habits and behaviors, and companies will have to adapt quickly. Public services are not and will never be external to these changes in consumers' behaviour. We have Colombia as an example, where the SNR (Superintendency of Notary and Registry, in Spanish) understood the need for citizen-focused adaptability (as well as for ensuring operational efficiency and transactional transparency), and increased formal integration with online payment companies to leverage the opening of high-traffic channels for the issuing of certificates and the payment of taxes by citizens. In a digital, efficient way, and without generating operational costs for development, they made feasible their digital transformation, adapting to their users, opening themselves to finding the correct allies, those who understood the value proposition of their business and their consumers. This effort by a public institution such as the SNR allowed for the massive increase of IT outsourcing by an institution that seeks to serve the greatest number of citizens, and also allowed them to maintain their growth ratio by reducing user traffic at their physical offices by more than 35% (through an exclusive platform, Kushki became the main certificate seller for the SNR in Colombia, and sold more than 180,000 certificates every month for the benefit of citizens) and reducing by 7% the issuing of physical certificates. This is an indicator of the citizens' open-mindedness about using new channels with a value proposition that adapts to his/her needs. This also requires an open mind from public institutions, but also a constant work, and support from the strategic partners who always have in mind who is facing the citizen. Transaction security, coordination, and adaptability for understanding the operational flow of public institutions, as well as constant feedback to manage UX flows in these processes, are part of the transformation process in efforts such as this one. The circumstances we're living in today will, without a doubt, set a precedent in the consumption habits and business models of some institutions. Today, they have had to speed up their digital transformation processes and modify their product development strategies, all because of a scenario that changed many business strategic plans that had been established in 2019. Never before, digital transformation has had a more aggressive sponsor, and this can be seen in the reaction that each of us has shown to advance our businesses, understanding that adaptability in times of crisis involves a development work and a constant learning, which will prepare us for post-pandemic businesses.
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Oscar Salas
Country Head @ Kushki Perú
abril 24, 2020

What is Tokenization and How Does it Work?

The purchase and payment of products and services online, is becoming more and more common and it will continue to increase. But where money goes, the criminals follow. For this reason, to reduce the possibility of fraud, chips are incorporated into credit and debit cards, making it more difficult for criminals to duplicate card data in payment points (POS, Points of Sale); and tokenization is used to protect credit card credentials when used for digital payments. Basically, tokenization is a method that converts the number of a card (PAN, Primary Account Number), into a code generated using random characters (token), to protect the payment credentials of a customer. This prevents hackers from stealing and using the information to commit fraud. Tokens protect the account number and credit card number in a virtual vault that can be transmitted without additional unnecessary risks. In order to operate, there has to exist a payment gateway that stores sensitive data, so that tokens can be generated. To that effect, payment gateways that perform tokenization, such as Kushki, must also hold a PCI DSS Level 1 certification: The highest level of compliance with the requirements established by the Payment Card Industry Data Security Standard (PCI DSS). This ensures that companies that process, store or transmit credit card data, maintain information in a secure environment. Advantages of Tokenization Tokenization eliminates or minimizes the risk of fraud and theft of the customer's private information when paying with a credit card. Tokens do not hold sensitive data, and cannot be used by any entity other than the one that stored bank credentials; so, even if tokens were stolen, they would be useless for a criminal. They preserve businesses service quality and their reputation, as they can offer security to customers when they pay. Tokens save capital and effort for businesses because they don't have to implement information controls or protection for tokens, because they do not hold sensitive data. Tokens increase trust among the general public when buying items online. If you run an e-store or are considering receiving payments online, we suggest you to seek a platform that provides your business with the necessary protection. For this, select those options that include tokenization and that possess the PCI DSS Level 1 certification. At Kushki, we maintain the highest security standards so that you can provide the best experience to your customers.
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Stella Vargas
Líder de contenido @Kushki
febrero 04, 2020

Step-by-Step Guide for Receiving Payments with Kushki

Would you like to know how to integrate Kushki to your business? Here we'll show you how to do it. Kushki is a technology platform for money transactions online. Basically, we provide you with the tools to sell online, throughout Latin America, using a single API. In this way, you will be able to use modern, efficient and secure online payment systems. Our flexible and robust platform will help you to manage one-time payments, card tokenization and automatic recurring charges, all in a single integration. In addition, you will be able to accept national and cross-border payments by collecting money locally, all with just one integration. You will also have the option of receiving payments in cash, with credit and debit cards, and by wire transfers. These payments can be made from websites, applications, social media or in-person, giving your business a great operational freedom and facilitating its expansion. If you decide to join us, the process of affiliation to our services works as follows: Open a test account With your test account, you will familiarize yourself with the platform and start your integration process. Integration The integration process varies according to the payment methods and the conditions under which the user wishes to operate. For this, you will have the support of our integration team, who will guide you in the process. We recommend you to read our documentation, since our guidance is based on that information. Starting to receive real payments From the back office, you can access this option to start the process from test to production. Complete the registration form To make your step to production, you must complete a form with the information and documentation of your company, in addition to selecting the model and the payment methods with which you want to operate. This will help us to validate your business and offer you greater security. Validate business information Our operations team receives the filled in form, and after reviewing the information, they will contact you to inform you whether the documents were accepted or rejected. Certification and security rules If you already completed your integration, you must contact integraciones@kushkipagos.com to start your certification process. Once certified, the setting process of security rules will begin; you will have to approve or reject our team's proposals. Credentials for access to a productive account Once you are integrated, certified, and have approved our security rules, you will receive your access credentials for your productive account. Card registry The last step to start receiving actual payments is registering a credit card, so that we can make a monthly charge. If, after reading this article, you still have any questions, please write us to sopport@kushkipagos.com and we will be pleased to answer your questions.
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Stella Vargas
Líder de contenido @Kushki
diciembre 24, 2019
La importancia de ser ágiles