The departure of the stocks, mergers and acquisitions
Scope talked with three great “players” of the national market on how the business board is reconfigured. The current context exposes the limits of the traditional Alycs model: If they cannot climb, add added value or sustain your word, survival becomes uncertain.
In this regard, Martín Sánchez Bazáncommercial director of individuals in Balanz Capital, In dialogue with this medium, he explains that The departure of the CEPO starts a new stage For the Argentine capital market.
In recent years, exchange restrictions and proliferation of regulations generated a complex context that promoted the Operation of the MEP as the only legal option for buy or sell dollars And, with her, a boom in the opening of camper accounts. But, as Sánchez Bazán points out, “That scenario was exceptional.” “Today the challenge of every financial entity is to evolve towards a more genuine industry, focused on the added value to the client, whose pillars are the excellence of the service, technological support and investment proposals according to each investor profile,” he says.
The exchange gap will no longer be a differential. Yes, it will be the ability to offer personalized advice, financial education, innovative products and technology that facilitates the “User Experience” for the investor.
Sánchez Bazán argues that in the broker he represents many years ago he is invested in technology as a priority, in the development of new investment alternatives (they are Asset Managers with open architecture), both local and international, and in promoting the value proposition through financial advisors. “Here we understand that the focus is in the handling of assets with genuine financial advice, in addition to maintaining the growth rate with new customers.”
For Sánchez Bazán, “it is expected that the process of economic standardization generates a reconfiguration of the ALYCS map”, in which it does not rule out a process of Mergers and Acquisions (M&A) -fusions and acquisitions-. “From Balanz we see an opportunity to professionalize the sector and raise the standards. The Alycs with vision, focus on the client and solid technology have a clear path of growth,” he concludes.
The democratization of investments and the “word” in the stock market
For Juan Martín Aguadomanager of digital transformation and product in IEB+eThe traditional Alycs business is already the same. Explain that Simple intermediation (place a purchase order and one for sale) will become a commoditythat is, something basic, without a margin of differentiation. That’s why, That model alone will stop being viable in the future.
For Aguado, this implies that Many Alycs that do not have a clear strategy, Financial muscle or scalar ability will have to be converted, at best. When asked about how it is supported A business that does not charge commissions and “whose promise to stay in time No It is under discussion, “Aguado responds firmly:” Simply, the group can afford it. In the capital market, the most important thing is the word, and we fulfilled it“
Remember that IEB+ It is born as a “spin-off” of a holding with extensive trajectory in corporate and private banking. That allowed them to build reputation and solidity before launching the app, and not vice versa. As discussed, the group’s commitment is not the speed of growth, but the depth of the link with the user.
The premise is clear: democratize access to real investmentsbut with a key differential. It is not just about to buy dollar MEP or operate from an app, but about building knowledge and trust. In Aguado’s words: “We want users to understand fundamental concepts such as risk, diversification, temporal horizon or emotional control.”
This is done with concrete tools, and mentions some: “From a daily research and recommended portfolios to training programs in universities and custom content according to each profile.” Aguado ensures that in its strategic architecture, Technology is the channel, not the end. It happens that the platform was designed to climb without losing customization. Combine user experience, content and accompaniment.
“This logic translates into an investment app with wallet functions, and not vice versa. While many wallets incorporate investment tools late, IEB+ part of the capital market and then add functionalities such as payments with QR, transfers or banking integration,” concludes Aguado.
All roads lead to Rome: financial transformation
From Capital coconutsthe firm of Ariel Sbdar and Nicolás Mindlinthey explained to this medium that the company was born with a disruptive proposal: “Simplify the financial life of the Argentines through an integral super app.”
The broker ensures that, since its inception, it focused on building a fluid and accessible experience for any user, that is, “without the need for technical knowledge.” Therefore, the platform allows from buy dollars to invest in common fundspay abroad or use a frictionless debit card.
This daily user vision, enhanced by agile execution and a clear value proposal, positioned coconuts among the first places of the byking of Byma in volume operated. The key to its strategy is in the integration of financial and consumer services in a single application, with focus on the scale and intensive use.
They also emphasize that their fort does not go through the MEP for a long time. “This summer completely transformed the experience of tourists in Brazil: It was one of the few platforms that allowed paying in the country neighbor through Pix. Since the launch of this alternative, it became the company with the highest growth in opening accounts and payments, adding more than 380,000 new accounts in just three months and processing 45 thousand payments a day in high season. “
Thus, it can be concluded that all platforms coincide in their commitment to technological innovation and financial inclusion, But they differ in your business visionits accompaniment model and its growth logic. It should be remembered that the company announced days ago that the operations tariff updated and two key aspects stand out: first, the new values will enter into force in 60 days, near June 14, 2025; And second, most of the operations for human people will see a reduction in their rate, lowering 0.45% to 0%.
However, Not only do different models embody Within the Fintech ecosystem, but a shared mission on how to transform the Argentine financial system. At the end of the day, It is the investor who decides that Broker operatesand usually bowed to the proposal that best solves your needs.
Source: Ambito
I am a 24-year-old writer and journalist who has been working in the news industry for the past two years. I write primarily about market news, so if you’re looking for insights into what’s going on in the stock market or economic indicators, you’ve come to the right place. I also dabble in writing articles on lifestyle trends and pop culture news.
