Global Task, New York, NY (2025)

04/22/2022

Pago con Cripto para B2C y B2B

Cripto está en todos lados. Desde pago de transferencias internacionales hasta trading de para aquellos que ingresan al mundo de las finanzas, e incluso llegar convertirse en una moneda de curso legal, como sucede en El Salvador.

¿Va el cripto camino a revolucionar los negocios de todas las industrias? ¿Ya estamos surfeando la primera ola de esa transformación?

Aprovechemos para hablar hoy sobre pago con cripto. ¿Qué es?

¿Cuáles son sus beneficios en relación al efectivo y a las tarjetas de crédito y débito? Y vayamos un poco más allá: ¿cuáles son los riesgos de no incorporar una buena estrategia de pagos con cripto para nuestro negocio?

¿A qué nos referimos cuando hablamos de pago con cripto?

Muchas personas y empresas holdean criptomonedas. Otros minan o se inclinan por el mint o el stake. Otros intercambian para obtener ganancias. Al 6 de abril de 2022, los 3 principales activos cripto (Bitcoin, Ethereum y BNB) alcanzan un valor de mercado cercano a los 1.3 billones de dólares, mientras que las stablecoins (USDT, USDC, BUSD o UST) - con respaldo del dólar estadounidense - se utilizan significativamente más, lo que evidencia el uso de cripto en nuevos campos.

El pago con cripto está en ascenso por muchas razones. Por un lado, cada vez hay más personas accediendo, comercializando, usando, holdeando e invirtiendo en criptomonedas. Eso hace que la demanda de poder utilizarlas en el comercio tradicional sea cada vez mayor. Por otro lado, los comerciantes están padeciendo el incremento de fraudes, el aumento de los costos de procesamiento de las principales tarjetas de crédito, y de nuevas regulaciones que afectan sus libertades. Por tanto, el pago con cripto aparece como una alternativa (complementaria) de pago para los clientes actuales, y atraer nuevos.

Para algunas empresas, las fluctuaciones diarias de las criptomonedas generan riesgos. Sin embargo, existen opciones que permiten a las empresas ofrecer pago con cripto a sus clientes y a su vez recibir los fondos ###x o en una stablecoin. A su vez, peligros similares existen cuando se ofrecen los pagos en multimoneda en el mundo de las tarjetas de crédito y débito.

¿Quién está usando pago con cripto actualmente?

La lista de empresas que ofrecen pago con cripto a sus consumidores es largo y aumenta día a día. Sorpresivamente, no solo incluye negocios B2C sino también grandes jugadores de pagos globales como Mastercard, que está desarrollando su programa ‘Start Path Crypto’ que va a permitir incorporar más y más crypto wallets a la red de comercios, que van a poder recibir fondos en moneda fiduciaria.

Desde Global Task ayudamos a instrumentar la implementación del pago con Crypto para uno de los principales Retail de México, que permite a sus clientes pagar con bitcoin en el e-commerce y en las tiendas físicas, abriendo camino a la generación de nuevos públicos que estaban por fuera de su alcance.

Otras empresas que permiten el pago con crypto son Microsoft, Tesla, Starbucks y AXA Assistance.

Si estás interesado en alguna de estas soluciones, para ofrecer nuevas alternativas de pago a tus clientes, nos encantará ayudarte.

Escríbenos por DM para reservar una cita con nuestros especialistas, que tienen el conocimiento y la experiencia para ayudarte a escalar tu negocio.

04/22/2022

Crypto Payments for B2C and B2B

We all see them in the media. Crypto is everywhere. International transfer settlement, crypto trading for those entering the finance world, becoming a fiat currency (as in El Salvador), everywhere.

Crypto is the next big thing that will disrupt all businesses in all industries? Well…is it the next big thing? Or can we consider that we are already surfing its first wave?

Let’s spend some time today talking about crypto payments. What are they? What are the benefits versus cash and credit/debit cards? And to end: what could be the risks of not approaching a good crypto payment strategy for my business?

What do we speak about when talking about crypto payments?

Many individuals and companies hold cryptocurrencies. Some others mint, mine, or stake in crypto. Some others trade them for profit. The top 3 crypto assets (Bitcoin, Ethereum, and BNB) hold a circulating value of 1.3 trillion US dollars as of April 6, 2022, while stablecoins following the US dollar (as USDT, USDC, BUSD, or UST) are significantly more traded, showing the usage of crypto for new aspects.

Crypto payments are on the rise due to many factors. On one side, we have more individuals accessing, trading, using, holding, or investing in crypto. So, the demand for adding more case uses for these assets exist. On the other side, merchants are suffering from increased fraud, increased processing costs from the major credit card schemes, and increased regulation in the available markets. Therefore, crypto payments might appear as an alternative -still being a complementary option- payment method for their customers and to attract a new type of customers.
For some companies, cryptocurrency daily fluctuations generate risks, but there are options where the company offers crypto payments to their customers while still receiving your funds in a fiat currency or in a stablecoin. Also, similar risks exist when offering multi-currency payments in the credit/debit card world.

Who is using crypto payments currently?

The list of companies offering crypto payments to their consumers is long and increasing day by day. Surprisingly, the list not only includes B2C merchants but also big global payment schemes such as MasterCard which is developing its own program ‘Start Path Crypto’ to add more and more crypto wallets to it where funds are converted to a fiat currency before generating the payment to the merchant.

At GlobalTask we have been instrumental in the implementation of crypto payment features for one of Mexico’s biggest retailers. By using QR codes on the checkout page, the shopping cart can be paid with the consumer’s BTC wallet, opening the way to an increased wave of consumers with a preference for these assets instead of banking assets.

Other companies allowing crypto payments include Microsoft, Tesla, Starbucks, and AXA Assistance.

How to increase the consumer’s payment choices with a lower cost of processing

Let us help you, reach out to us by DM.
We have the experience, knowledge, and support you need to make it happen.

04/08/2022

We're excited to announce that Global Task has officially reached 100 employees across the globe.
It's a moment for some of us to look back and see how far we've come. For others, this milestone helps to generate excitement for what is to come in the future. For the rest, it’s a new reason to celebrate.
We’re proud of how far we’ve come, and we’re looking forward to the next 100. Let's keep growing. Let's keep co-creating the future of financial technology.

04/05/2022

Esta semana, Ariel Saban, CEO de Global Task, escribe sobre Onboarding y KYC, dos tácticas para escalar el negocio de las fintechs.

Onboarding & KYC: cómo escalar tu negocio

Cada día se crean nuevas empresas fintech y paytech. Su mera razón de existir es la de ayudar al mundo mediante el desarrollo de soluciones que resuelven problemas para los consumidores que las compañías clásicas no fueron capaces de realizar a tiempo o de manera óptima

Una de las principales preocupaciones de estas nuevas compañías es cómo escalar su negocio y evitar los cuellos de botella que impiden su crecimiento sostenido. Hoy nos enfocaremos en dos de ellos: el onboarding de nuevos clientes y los procesos KYC (know your customer).

Onboarding

¿Recuerdas cómo era abrir una cuenta bancaria hace 5 o 10 años? Necesitabas completar - en papel por supuesto- infinitos formularios, repitiendo la misma información, firmarlos y llevarlos en persona a la sucursal, donde una persona los recibía, los sellaba y los enviaba al equipo interno de onboarding. Ahí lo revisaban, cargaban la información en un ordenador (offline o conectado a un servidor interno) y enviaban la aprobación a la sucursal, que se comunicaba contigo por teléfono o por carta para informarte que tu cuenta había sido concedida. Esto era solo para abrir una cuenta; pedir un préstamo implicaba mucho más papelerío, tiempo, esfuerzo y dinero.

Para escalar, las empresas fintech deben optimizar sus procesos de Customer Due Diligence (CDD), evitando repetir los errores que cometieron las empresas clásicas. Para estas, en cambio, observando el emerger de las empresas fintech, la decisión de cambiar sus procesos es trascendental. Según un estudio, se necesita un promedio de 5 veces más clics para abrir una cuenta bancaria en una compañía clásica en comparación con los nuevos bancos, y 18 veces más tiempo para tener las cuentas activas. Se trata de adaptarse o morir.

KYC

¿Cómo sabemos con quienes estamos haciendo negocios? Como compañía debemos asegurarnos que todas las regulaciones y los aspectos financieros están cubiertos a través del KYC (Know Your Customer). Esto incluye la recolección de información específica como el nombre completo, teléfono, ID, pasaporte o licencia de conducir, entre otros. A su vez para mitigar los riesgos de lavado de dinero, las empresas deben documentar de manera fehaciente el origen de los recursos de sus clientes. La clave es el cómo.
Como cliente, ¿elegirías hacer negocios con una empresa que te solicita llevar documentos impresos a una sucursal física, o con aquella que permite que lo hagas a través de su web o app móvil, ofreciéndote una confirmación en menos de 24 horas? La respuesta es obvia.
El recorrido y la experiencia de usuario son las claves del éxito.

Permítenos ayudarte.

Desde hace muchos años desde Global Task trabajamos en la co-creación del futuro de la tecnología financiera, colaborando con las empresas en la transformación de sus servicios. KYC y onboarding forman parte de nuestro core de servicios, con una vasta experiencia en el desarrollo de este tipo de soluciones para grandes clientes de la región.

En caso de requerir más información sobre estos servicios específicos, escríbenos por DM y nos comunicaremos contigo.

04/05/2022

This week , Ariel Saban, CEO of Global Task, wrote an article about how to scale fintech business through onboarding and KYC.

Onboarding & KYC: how to scale up

New fintech and paytech companies are created each day. Their sole reason to exist is to help the world by developing solutions that solve problems to consumers that legacy companies are (were) not able to capture in time, or at its best.
Strangely, one of the key concerns that these new companies have is how to scale themselves. And that is because they find bottlenecks in several processed when not tackled in the best way. Today we will focus on two of them: the onboarding of new clients, and KYC (know your customer) processes.

How much does it take to get a new user on board? Onboarding best practices

Do you remember how it was to open a bank account 5 or 10 years ago? You would need to fulfill – in a paper, of course – several forms, in many cases replicating the same information several times, sign them, and take them in person to a branch, where a human would receive the info, stamp it and send it to their internal onboarding team, who would read it, perhaps type some of its info into a computer (probably offline, or connected to an internal server at its best), finalize the process and send a paperback to the branch, where they would communicate by phone or in a paper letter that your account was granted. And that was just to open an account, taking a loan would imply significantly higher paperwork, time, effort, and money.

To scale up, fintech companies need to streamline their processes concerning Consumer Due Diligence (CDD) to avoid these legacy concepts being part of their spirit. For a ‘legacy’ company, instead, by looking at what fintech companies do, you need to understand that changing your old processes is only a matter of time. Their choice is: adapt or die.

To scale up, fintech companies need to streamline their processes concerning Consumer Due Diligence (CDD) to avoid these legacy concepts being part of their spirit. For a ‘legacy’ company, instead, by looking at what fintech companies do, you need to understand that changing your old processes is only a matter of time. According to a study, it can take up to 5x more clicks to open a bank account in a legacy merchant versus the new banks, and 18x more time to have the accounts active. Their choice is: adapt or die.

KYC

How do we know who we are doing business with? As a company, we need to make sure all the regulatory and financial aspects are covered on the get-to-know your customer (KYC). This includes collecting specific information like the full name, phone numbers, national ID, passport, driver's license amongst others. Also, from an Anti-Money Laundering (AML), to mitigate money laundering risks, as a company you should have well documented the origin of the sources of your consumers. But then the how to do it is key.

As a consumer, would you rather decide to do business with a company that requires you to show printed documents into a physical store, or would you rather prefer to do it within their website, their app, and get a confirmation in less than 24 hours?

The consumer journey and the user experience (UX) in this case are the drivers of success.

Let us help you

For many years, the team of GlobalTask is co-creating the future of financial technology by helping companies transform their financial services. With regards to the topics mentioned covered here, Onboarding and KYC transformation support is part of our core advisory values as a company, with a strong track record of expertise in this matter.

Let us help you, reach out to us by DM.

03/25/2022

His name is Martin Taibo. But as soon as you gain confidence you are going to call him Tincho. 👋

Our 33-year-old CPO is the head of human resources at Global Task.

He comes from working for more than 6 years at one of the leading companies in our industry. 🚀

Miro's father, Mora's husband, and owner of Beto, their French bulldog. Together they make up a lovely family. 👪🐶

He is Argentina's No. 1 fan in all sports. Soccer, basketball, rugby, athletics ... It doesn't matter what time it is, when a national team plays, there he is, in front of the TV.

MBA. His day is not 24 hours long, like the rest of the earthlings’.👨‍🎓

Food? Excellent to taste. Don't ask him to cook. Except for barbecues. There, he rocks.

He loves to travel and know new places. 🧳

His favorite planet, Saturn. 👨‍🚀

03/25/2022

¿Cuáles serán las tendencias en medios de pago para las Fintechs en 2022?

Durante el último año, el ecosistema fintech global ha experimentado el crecimiento y la consolidación de un gran número de proyectos: desde la expansión del BNPL (Buy Now Pay Later) en Estados Unidos y Europa, hasta el desarrollo de soluciones para que cualquier empresa se transforme en una fintech (servicio de finanzas embebidas y estructura fintech). ¿Qué podemos esperar para 2022?

Expansión de servicios de valor agregado.

El 2021 trajo consigo la expansión de los servicios BNPL a prácticamente todas las regiones del mundo donde los “pagos en meses” no eran frecuentemente utilizados (por ejemplo Latinoamérica). En Estados Unidos se destacaron las soluciones de VISA y Paypal mientras que en Europa fueron Klarna, AfterPay y Luybuy los responsables de innovar en este área a través de servicios que mejoraron la experiencia del consumidor. La clave para que estos desarrollos traspasaran el nicho y se convirtieran en experiencias de uso masivo consistió en que sus impulsores fueron más allá de la experiencia de pago y se adentraron en las necesidades del consumidor.

A su vez, en 2021, numerosas empresas de tecnología ingresaron en el negocio fintech como proveedores de infraestructura, a través de embedded finance, ofreciéndole a las compañías sistemas legacy para reinventarse a través de la transformación digital.

Qué esperar para 2022.

Crypto. Está en todos lados. Las tres grandes (BTC, ETH y XRP), además de las stablecoins, se han convertido en una alternativa relevante para la inversión, el comercio y el new banking a través de las finanzas descentralizadas. El gran desafío para las crypto este año sera convertirse en un método de pago masivo.

Como explica com precisión Angela Strange, en los próximos años toda empresa se transformará en una fintech. Lanzar productos y servicios al mercado de forma rápida, sobreponiéndose a la complejidad de los ecosistemas, ayudando a reducir los costos de mantenimiento de los viejos sistemas legacy. Al adoptar un enfoque B2B2C, los socios tecnológicos pueden aprovechar la relación existente con sus clientes, agregando nuevas capas a los servicios ofrecidos mientras impulsan el crecimiento de sus empresas.

Qué hacer para ser exitoso

El pilar estratégico para las empresas y bancos que aspiren a crecer durante 2022 será encontrar las empresas adecuadas para trabajar. La planificación de proyectos largos y tediosos en plataformas legacy será difícil de implementar, y la velocidad de comercialización es clave. BNPL ha enseñado que los primeros en ofrecer soluciones disruptivas liderarán la expansión del mercado.

Encontrar el socio adecuado con conocimiento en crypto pagos, aprovechando el enfoque en la transformación digital de las empresas y con una mentalidad fintech será la clave del éxito.

03/25/2022

What's next in fintech payments in 2022?

During last year, the global fintech ecosystem has seen the rise and consolidation on a significant number of projects: from BNPL (Buy Now Pay Later) expansion into the US and Europe to the development of a new set of “all company will become a fintech” solutions like embedded finance and fintech infrastructure as a service. What can we expect for 2022?

Expansion of value-added services

2021 brought the expansion of BNPL services in almost every region of the world where installment payments were not commonly used -i.e. LATAM-. Big players as Visa shouted out for BNPL, PayPal launched the ‘Pay in 4’ in the US while new solutions were brought in Europe by Klarna, AfterPay, or Laybuy, showing the room for incorporating a new set of value-added services from a consumer standpoint. Going beyond the payment experience and into the consumer needs is what turned these solutions to go beyond the niche and become massively used experiences.

Also, in 2021 several tech companies have entered the fintech business as fintech infrastructure providers through embedded finance and fintech as a service, offering the companies legacy systems to reshape themselves through digital transformation.

What to expect during 2022

Crypto. It is everywhere now. Everyone speaks crypto, holds, or heard about it and is all over the news. The big three (BTC, ETH, and XRP) plus the stable coins have become a relevant spot for investment, trading, and new banking through DeFi (Decentralized Finance). The big step for crypto will be this year to move towards payments and jump from trading into becoming a -currently undersized- payment method.

As explained with perfection by Angela Strange, in the next few years every company will become a fintech company. Launching products and services to the market quickly and overcoming the complexity of the ecosystems, and heavily reducing their costs on maintenance of old legacy systems. By taking a B2B2C approach, tech partners can leverage the existing customer base relationship of the companies they work with, by adding new layers to services offered while boosting and securing the growth of their companies.

By 2022 it is expected to see a continuous expansion of product-led growth strategies in different sectors, focusing on the customer experience and taking a phased approach to build up new products, offering payment methods, and making simple the complexity of the ecosystem.

What to do to succeed

The strategic pillars of growth during 2022 for companies and banks will be to find the right companies to work with. Long and tedious project planning on legacy platforms will be difficult to implement, and the speed to market is key. BNPL has taught that the first ones to offer disruptive solutions will lead the market expansion.

Finding the right partner with knowledge in crypto payments, leveraging the focus on the digital transformation of companies, and with a fintech mindset will be the key to success.

01/18/2022

Join the mission: let´s co-create the future.

12/31/2021

In 2021 we've all faced complex situations and unimaginable challenges years ago.

Together, in Global Task , we've managed to adapt quickly , become closer as a team, and overcome all the obstacles on the way.

We want to thank all of our clients as well as everyone in Global Task for a great year with the highest growth in the history of the company.

Let's continue making an impact on millions of people and co-creating the future of the industry.

Happy New Year.

12/22/2021

The end of the year is coming, and at Global Task we have plenty of reasons to celebrate:

- Duplication of company headcount.
- Billing increase of 115%
- New clients who trusted us to carry out their projects.
- Expansion to new markets.

The most important of all, however, is not something that can be shown in numbers.
It’s about the formation of a great work team, something unthinkable when the pandemic started and we decided that the company would become 100% remote.

However, despite the physical distance, we managed to continue growing with the Global Task DNA: commitment, responsibility, teamwork and good energy.

These attributes are reflected in each work day, and they were crowned in the remote end-of-the-year meeting that we held with all the taskers who work from different parts of Latin America.

We are very happy with what has been done, and very excited about the long road ahead that we have to travel.

To continue co-creating, together, the future.

10/19/2021

Today we introduce you to Alejandro Molho, the CFO of GlobalTask. We all call him Ale. 👋

With Hendrix as a reference, he played the guitar for many years. He was part of different bands; he even played concerts. 🎸

Before joining Global Task, he worked in a risk consultant for banks and energy companies, with which he traveled throughout Central and Latin America. Then he worked in the investment and strategic planning areas of the Government of the City of Buenos Aires.

He is a super restless person. He is always teaching himself new things.

He has been living with his girlfriend for 2 years, and they are expecting a daughter who will be born in the next few months. 🐣

He´s fan of good food. Sweet or savoury, it doesn't matter. He doesn’t only enjoy tasting the food, he also relishes the preparation. Ale stands out in the kitchen.

His favorite books are "Fahrenheit 451", "Sapiens, from animals to gods", and "The Four Agreements". 📚

His favorite planet, Jupiter. 🪐

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