Ica box Bet on adolescent financial inclusion with a new savings product and foresees a better credit performance in 2025. Walter Leiva, central manager of the entity, provides the details.
Last year the Credit to the MyPE contracted, how does this year come?
Last year, the credit came with relatively slow growth, had some problem due to some internal and external variables, but this year we believe that it will have a substantial improvement. This due to the well -expected performance of macroeconomic variables.
What has been the evolution of savings captures?
In savings, 2025 is also showing an improvement compared to 2024. We have focused on small customers and, above all, on simple savings products. Not so much in fixed term deposits, and even less in CTS, because the latter has practically become a free availability account. In that context, we have prioritized current savings and, secondly, fixed -term deposits.
They have just launched a new savings product called Chill account. How does it fit into the box strategy?
In Caja Ica we have focused on meeting the specific needs of the market. We no longer develop new offers from transverse products, but we perform specific analysis per segment. In that process, we detect an important need among contemporary adults who have minor children, who could not access their own account due to the legal provisions in force. In that context, the Chill account was born, as a specific response to that need and as part of our financial inclusion strategy aimed at younger audiences.
What are the expectations?
Currently, we are in a first phase, with an initial approach. For example, a teenager can already have his own debit card, which is an international visa. With this card, teenagers can make purchases, transfers, payments and withdrawals, all within the legal framework. The account is opened by the father or guardian, but an additional card is assigned to the child. Then, this product contributes on three fronts: on the one hand, it generates financial inclusion; On the other, it promotes the culture of savings and strengthens the self -esteem and independence of the adolescent.
Is there a second stage?
Yes, phase two is focused on electronic wallets. Currently, for legal issues, minors cannot directly access savings accounts. However, under this new mechanism that we have created – and that is duly supported by current legal regulations – we are already working on it.
Is the product already operating at the national level?
Yes, the product is already in production since April 4. We have also started visiting some schools, and the expectation is to close this year with more than 5,000 open accounts and more than S/5 million in savings. We are not talking about a large volume in monetary terms, because we know they are small accounts, but the approach is in the number of accounts. Having 5,000 accounts is quite interesting, and for next year we project that figure.
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