Key insights on digital transformation, innovation, and tech integration in the financial sector.
During the largest innovation conference in Latin America, held in Miami, N5, together with Fintech Americas, hosted an exclusive podcast series to explore the ideas, trends, and people shaping the future of global finance.
In this episode, we sit down with Fernando Pezzimenti, Corporate Product Manager at Banco Macro. We discuss innovation, digital transformation, and the evolving corporate customer experience.
Drawing on his extensive experience, Fernando shares the strategies Banco Macro is implementing to position itself as a true technology partner for its clients.
Watch the full interview here:
Episode Topics and Insights:
1. From Financial Provider to Technology Partner
Banco Macro has repositioned itself to become a technology partner for corporate clients, going beyond traditional financial services. The bank is heavily investing in digital solutions for treasury efficiency, automated reconciliation, and integrated financial management.
2. Digital Transformation Following the Merger
The merger with Itaú brought a series of best practices that strengthened Banco Macro’s digital strategy. The bank embraced a culture of continuous improvement, integrating the best elements from the acquired institutions while maintaining a strong focus on innovation and efficiency.
3. Fully Digital Onboarding and Scoring
Banco Macro developed a digital onboarding process for businesses, allowing companies to open accounts and request loans on the same day. They also implemented an alternative, fully automated credit scoring model, expanding access to financing for a broader range of companies.
4. Anticipating Customer Needs
The priority is to create proactive, not reactive, customer experiences. This involves identifying pain points, analyzing data, and offering personalized solutions. Concrete examples include “MacroSoluciones”—a portal that integrates collections, last-mile payments, and supplier platforms.
5. Data Management: A Strategic Challenge
Fernando acknowledged that corporate banking data management is still in its early stages. Banco Macro is currently building capabilities in data governance, business intelligence, and ERP system integration to strategically leverage information.
6. ‘Apification’ and Open Platforms
“Apification” refers to making a company’s services available through APIs (Application Programming Interfaces) for seamless integration with external systems. Banco Macro is actively “apifying” its products to allow direct integration with client systems. One of the key projects underway is a new SME payment gateway, directly connected to ERP management systems.
7. Leveraging AI for Fraud Prevention
Artificial intelligence is becoming a critical ally in strengthening cybersecurity. Banco Macro is implementing robust authentication solutions, predictive behavior analysis, and early fraud detection systems, all in line with current regulatory frameworks.
