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Three perspectives on the new business language

deercreekfoundation November 12, 2025
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From financial technology to transforming historic industries. The three leaders agree that change is not only inevitable, but necessary. Sebastian Boettcher, Commercial Director, Interbanking. Nadia Piskulich, Sales Director, Philip Morris Argentina. Sebastián Calens, vice president of Fiserv product development for Latin America, said: shared by Future Business Chapter 11Events sponsored by LA NACION, Our shared vision is to leverage technology to make an impact.

At the conference, moderated by journalist Carla Quiroga, executives shed light on how innovation is no longer the goal and is the driving force behind change.

Boettcher cited his company’s work as an example, mentioning Interbanking, a multi-bank platform aimed at allowing corporate treasury teams to manage collections and payments on a single platform. In recent years, there has been a cultural shift to focus on asking users (accountants) what their “problems” are and how they can save time.

Sebastian Boettcher, Commercial Director, InterbankingFabian Malavolta

In parallel, Mr. Currence revealed that: Fiserv’s main purpose is to develop technology and payment methods that accompany businesses. “We are the driving force behind everything that happens behind the scenes. We’re now looking at ways to deliver more value to commerce without adding more devices on the countertop.” he said.

Philip Morris is known as a company with innovation in its DNA, and in Piskulic’s words, it has decided to stop putting chips in the products that created its business. “Since 2016, we have been working towards a smoke-free world. And to achieve this, through science and innovation, we will provide users with far less harmful alternatives to cigarettes,” he reported.

They have been researching these new categories for almost 20 years, he revealed. “Currently, we have a vast portfolio of heated tobacco products and vapes to nicotine patches. This allows consumers to find the place they want to move to. ”

Nadia Piskulic, Sales Director, Philip Morris ArgentinaFabian Malavolta

Thanks to the fact that it connects all banks and companies in the country, Interbanking is in a privileged position in terms of information. “Three or four years ago, we launched the Interbank Index, which shows global numbers about every six months to understand how the markets were moving,” Boettcher explained.

Piskulic, who comes from a completely different industry but also benefits from data, revealed: “As a region, Latin America is a little behind other parts of the world such as Asia and Europe.”. He gave the example that in Sweden only 5% of consumers consume nicotine through cigarettes. “Today, this country has the lowest incidence of lung cancer in Europe. That’s what we want,” he declared.

Finally, in connection with Success of digital payment methodsKarens showed it Factors that facilitate this process include the fact that you have active money that won’t depreciate in value, and the practicality of being able to do it on your phone when you go to pay for something.. “Today, we may have gone the entire weekend without touching our bills, but this is happening at every level.”

Sebastián Calens, Vice President of Product Development, Fiserv for Latin AmericaFabian Malavolta

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