Feb 25 2016

Seguridad versus MasterCard y Visa

Published by under Tecnología

Dos pasajeros bajan, sube un hombre apuntando con un arma al chofer, otro se le une y le exigen dinero, por protección propia y de los pasajeros no pone resistencia, los ladrones se llevan la espuma con las monedas, en la calle uno de ellos se voltea, le apunta y jala el gatillo, el arma se encasquilla, vuelve a apuntar, se vuelve a encasquillar y luego le dispara en varias oportunidades. El herido intenta conducir fuera de la zona de peligro pero pierde el conocimiento. Es llevado al hospital y lamentablemente fallece.

Los hechos narrados en el párrafo anterior corresponden a un asalto que consternó e indignó al país en fechas recientes, agitándonos como sociedad, debatiendo sobre la inflexión de retroceder en materia de derechos humanos por medio de la pena de muerte contra los criminales que actúan con total desprecio por la vida, la propuesta de armar a la población civil y quienes preferimos seguir confiando en la prevención e instituciones, pues creemos que la solución no puede estar en las balas.

dolaresEl origen del problema. La abundancia de efectivo en los autobuses es un blanco tentador para el hampa, algo que junto al BCIE señalamos a principios de siglo buscando una solución tecnológica: cambiar el menudo por el uso de dispositivos de pago electrónico en puerta, eliminando el efectivo, sus altos costos de manipulación, reduciendo hasta en un 80% el tiempo de ingreso, generando una mejora en la seguridad y el servicio. ¿Buena idea? Para todos excepto, aparentemente, para MasterCard y Visa, quienes lo convirtieron en quimera al presionar para que se hiciera solo con sus tarjetas, impidiendo la innovación.

Entonces así el problema de inseguridad se agravó por un interés particular de transnacionales financieras y los banqueros criollos que las representan.

Solución.

Década y media después la población se ha acostumbrado a tecnologías modernas de pago, tanto así que ya no solo en autopistas sino también en parqueos se ha hecho hábito el ágil pago mediante dispositivos inalámbricos de corta distancia y prepago.

En esta línea caminan en la actualidad importantes proyectos guiados por el viceministro de Transportes, Sebastián Urbina, y el ministro de Ciencia y Telecomunicaciones, Marcelo Jenkins, encomendados al Gobierno Digital para que estas tecnologías sean utilizadas masivamente en los autobuses, como ya ocurre en algunas rutas urbanas.

Lo anterior es nuevamente estorbado, en apariencia, por MasterCard y Visa, quienes proponen y presionan para que el pago se haga con datáfono, tarjeta tradicional y consulta en línea, lo cual empeorará la situación actual no solo con los tiempos de abordaje sino que generará infinidad de problemas con la conexión a Internet o telefónica en horas de alto tránsito y demanda.

Además de incrementar el costo del sistema, ya que las transnacionales cobrarían comisión (sin aportar ningún valor agregado) que podría alcanzar los ¢320 millones al mes, ¡sí, al mes!

No podemos rezagarnos anclados al pago con menudo o dar un falso paso de innovación al pago con datáfono para felicidad de los emisores de tarjetas tradicionales, nuestra única opción es utilizar la accesible tecnología de primer mundo, que ya cuenta con desarrollos nacionales 100% operativos que trabajan con y sin conexión en línea.

Esperemos que el “lobby” bancario fracase para que la seguridad, racionalidad, conveniencia, lógica y confort del usuario del transporte público triunfe.

Publicado en Diario Extra el Miercoles 24 Febrero, 2016

41 responses so far




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