Santander Consumer
MiAuto
Finanzas Embebidas en la Industria Automotriz
MiAuto es una empresa de Grupo Santander Uruguay que tiene como principal objetivo gestionar el proceso completo de financiación de vehículos. Con el fin de desarrollar un nuevo modelo de negocio colaborativo, con concesionarias y plataformas de e-commerce, se identificó la necesidad de sumar a su sistema de core banking las capacidades digitales avanzadas que ofrecen las plataformas bancarias modernas, tales como manejo de datos, onboarding digital, y sistemas integrados de partners.
La integración tecnológica fue un punto clave en este proyecto. Se conectaron las capacidades digitales de la plataforma bancaria Bantotal con el sistema core legado de la institución financiera, abarcando también la integración con concesionarias, plataformas de e-commerce, servicios de evaluación de riesgo, proveedores de información del mercado automotriz, sistemas de valuación de automotores y otros sistemas de terceros.
País: Uruguay.
Sector: Retail Banking, Financiamiento Automotriz.
Solución: Préstamo Vehicular.
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“El proyecto MiAuto fue muy interesante porque no solo implicó facilitar el desarrollo de un modelo de negocios de finanzas embebidas, que involucra a empresas no financieras, sino que también incorporó el desafío de sumar capacidades digitales sobre el sistema core legado de la división Santander Consumer.”
Fernando Panizza,
CTO de Bantotal
Un Sistema Sólido y Adaptable
Sebastián Reinaldo, Gerente de MiAuto, destaca cómo Santander Consumer y Bantotal lograron adaptar sus sistemas a los requerimientos de los consumidores finales, facilitando la compra de vehículos y la gestión de créditos, de manera eficiente y segura.
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