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El Economista
  • 7/11/2024
Las estrategias de innovación de la empresa para la búsqueda de un mundo y el sector financiero son los temas que Ken Moore, Chief Innovation Officer Mastercard, compartió para el público de El Economista. Conoce las #Innovaciones desarrolladas por #Mastercard para mejorar la vida de sus clientes #Innovacion #Tendencias #Banca #Bancadigital #Soluciones #Entrevista #Contenido

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Transcripción
00:00Gracias por estar en el Periódico del Economista. Soy Eduardo Huerta. Ahora estamos con Ken
00:08Moore, Chief Innovation Officer de Mastercard. Ken, thank you for being here.
00:13It's my pleasure. Thank you for having me.
00:16Innovation officer. What does it mean?
00:19I've got a really, really fun job, Eduardo. So what I do for Mastercard is I have to try
00:26and figure out where we think the world is going. So I've got to look at what does technology
00:32make possible tomorrow that's not possible today. I've got to look at changes in consumer
00:38trends and I've got to figure out what does that mean for the financial system, for the
00:42world of commerce. And then I've got to build the products and services against that that
00:47are going to make our customers successful. Because it's only if our customers are successful
00:53that Mastercard is successful. So I have one of the best jobs on the whole planet.
00:58I'm always looking at the future. I'm always playing with new technologies. But the company
01:05keeps it real because I've got to build the products and services as well.
01:08We're looking at trends and changes in consumer behavior. We're experimenting and prototyping,
01:15testing new technologies, seeing if they create value for us and for our partners. And then
01:21we're building the products and services in partnership with our customers. But we
01:26don't only just build. Today the world is moving too fast. We also have to partner.
01:33So also as Mastercard Foundry, we won one of the world's largest fintech partnership
01:40programs called StartPath, where we speak to hundreds and hundreds of venture capitalists
01:46every single year to try to figure out where is smart money being invested in the marketplace.
01:53Smart money. Where are smart people putting money into new ideas that can change the world
01:59of commerce. So we speak to hundreds and hundreds of venture capitalists around the world in
02:0460 or 70 different countries. We look at over 2,000 startups every single year from about
02:1260 countries. And we've brought 400 of them into Mastercard for us to partner with them
02:20to create solutions that our clients can use. So what does Mastercard Foundry do? Tries
02:26to figure out where the world is going, builds the products and services against that, but
02:31also uses partnerships because the world is moving so fast. We know we can't build it
02:37all ourselves.
02:38The future of commerce. Where does it go?
02:41Some of the things that we're seeing is the definition of money and of value is broadening
02:46to include a broader set of assets. Historically, it was the money in your pocket. A number
02:53of years ago, a lot of years ago, it was the balances held in a bank account accessible
02:58by a card or by something else. Today, we've got loyalty points that are considered as
03:04having value. We've got central bank issued digital currencies. We've got cryptocurrencies.
03:10And I would argue that data has value as well. So we have a broadening of things that
03:16are considered to have value, but they still need to be exchanged between each other with
03:21safety and with security and with consumers in control. So the first kind of big trend
03:26in commerce is this broadening of things that we see as actually having value in the world.
03:33I think a second big trend that we're seeing out there is really around hyper personalization.
03:40So this is markets of one. So if you're a consumer, it doesn't matter whether you're
03:46a small company, a medium company, you want products and services that are tailored for
03:50you. People want different. They want to feel that the product and service is tailored for
03:54them. So you see artificial intelligence, you see augmented reality, all being brought
04:00to bear to create really tailored experiences, not just in the digital stores, not just on
04:06e-commerce, not just on mobile apps, but even in physical stores themselves, right?
04:12Frictionless checkout, guides that help you navigate around a really large complex store
04:18to find the thing that you want. And we also see then lastly, a third big trend, we see
04:24consumers starting to care an awful lot more around causes. Increasingly consumers want
04:30to align with brands that represent the things that they really care about. So those three
04:35big trends, I think are playing out this broadening of money, this hyper personalization
04:41in everything that we buy and everything that we interact with. And this deep caring that
04:48exists in consumers who are becoming increasingly cause driven.
04:52Mastercard today is no longer just a cards company. It's not even a company that's just
04:57in payments. Of course we're in those things. We're proud to be in those things, but we're
05:02a much broader technology company today in commerce. People are really excited about
05:08these new digital experiences that they can have, but they also know that people can use
05:13technology, bad actors can use technology to do bad things. That's why you've seen so
05:19much focus from us on the use of artificial intelligence to actually fight fraud, to fight
05:26bad actors.
05:28This is something that concerns me and I think a lot of people, security.
05:33So I'll give you one example. So we process at the moment about 143 billion transactions
05:40a year. At the moment, we conduct analysis on all of them to try and identify fraudulent
05:47transactions. And we do that within 50 milliseconds of the transaction starting.
05:56And we look at 1 trillion data points annually to figure out whether a transaction is going
06:03to be good or whether it's going to be bad. This year alone, we have prevented $20 billion
06:10of fraud, of fraudulent transactions through our security solutions.

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