They determine some pointers to generally be executed by banking companies. This is the other of how I function and what I preach in my articles, which produced the discussion very interesting.
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The cell phone number which they question you to send out the payment to differs through the a single they use to communicate with you.
Until finally a yr back, Bizum only experienced 3 employees. The remainder of the people, Primarily the engineers, both worked for Redsys or maybe the banking companies. With that schema, they're going to reach twelve million end users in Spain by the top of 2020.
This is actually the concern that triggered my curiosity in chatting with someone from Bizum. On my job, I really have to align people today from distinct nations so we could establish one products which can be 95% the identical for all.
The advisor as well as the banking companies determined to prepare by themselves in Operating teams to align and make the proposals on the board. They made the legal, organization, operational, marketing and advertising, and specialized Functioning groups.
They make use of the telephone number to be a proxy to transfer funds instantly involving lender accounts. If here I'll send out a Bizum from my BBVA account to my Buddy's account in Santander, BBVA asks Bizum to translate my Mate's cell phone number to his checking account range, and it sends him the moment transfer.
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Sending, obtaining, and requesting cash within a make any difference of seconds has several benefits, but Additionally you need to have to grasp its limits Before you begin using it.
Paypal has grown slowly but surely but steadily in Spain, capturing part of the industry share in payments to organizations and freelancers, particularly in e-commerce. They now have above 5M users in Spain following 13 years. Banking institutions consider it a competitor to beat in e-commerce.
And they selected Redsys (One more payment System owned by Spanish banking companies) to create the System, host it, and certification the banking companies. Redsys was a fantastic choice since it currently had the integrations Using the financial institutions, which manufactured it less difficult and speedier to launch Bizum.
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The development and operation of a common directory in which IBAN numbers of financial institution accounts are associated with an identifier