The adoption of technologies capable of modernizing and simplifying the dynamics of organizations’ securities transactions is increasingly emerging as a competitive differentiating factor on which these companies depend to stand out from the rest. Latin America has always been a step behind in the number of purchases made over the Internet, either because of the limitations of investing faster in online platforms or because of the low level of digitalization of the population which, although already connected, still has little access to digital banking services. However, the pandemic may be the missing push to bridge the gap and could do for the region what SARS-CoV did for Chinese e-commerce in early 2000.
The increase in the number of new providers in the instant payment industry will force the establishment to adopt rules and regulations that protect the consumer and free competition in the market. With the growth of the payment ecosystem and the arrival of Real Time Payment (RTP), methods of payment are undergoing an unprecedented transformation. The new demands in banking transactions are practicality, convenience and speed, which lead to new business opportunities by offering diversified services, the possibility of strategic alliances and advantages that were previously not very feasible for users and companies. This strategy has become best practice for the payment industry, one that is being adopted not only by more traditional companies but also by governments and central banks trying to secure a place in the digital era. In this new reality of payment processing through different systems and IT environments, the orchestration of containers and the Kubernetes ecosystem (open source technology) are fundamental to be able to scale and manage services without sacrificing quality.