In a year that projects great challenges in macroeconomic matters, capitalization in dollars is positioned as an alternative for those who seek a way that their money does not lose so much value this year. While there is fear in the market, analysts argue that growth dynamics will not be lost.
In talk with Portfolio, Iván Torroledo, co -founder and financial manager of Littio, spoke about the projections of the dollar in Colombia by 2025 and the roads that investors can take to increase or protect their capital during validity in progress.
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How does 2025 start?
We project 2025 as a very interesting year, of great growth for the company and in general for the market that is related to foreign exchange, international financial products and international payments.
This is a year that comes with great movement and growth and additionally there are some market phenomena, for example, there is an economic policy of the United States and its countries that makes the dollar even more important and should be taken into account. That is why the market is very aware and will be buying and selling many currencies in the months to come.
Dollar.
EFE
Is it going to be a challenging year?
Yes, totally. This is a year marked by external pressures, both geopolitical and economic policy in several countries, especially in the United States. However, it also represents an opportunity for those who participate in the market, since volatility can be used to generate profits. In previous months it has been observed how, in periods of high volatility, opportunities arise to make strategic decisions and obtain favorable returns.
Of course, managing volatility will be an important challenge, but also a great opportunity. For the company, this implies the possibility of providing solutions to users, whether people or companies, which require access to dollars, international accounts or the ability to make international payments.
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But it brings its risks …
In that sense, the year presents a panorama full of opportunities for both the market and for the company. However, this scenario also involves the challenge of offering an efficient service in an environment of high volatility.
In these periods, some people may face difficulties in making coverage or evaluating their financial decisions and therefore, the commitment is to be available to accompany and provide support to companies and people who require guidance in the management of their international operations.
Iván Torroledo, co -founder and financial manager of Littio.
Courtesy – API
How to take advantage of the storm?
The strategy will depend on each business and each person. There are companies and individuals that, due to their operation model, require constant access to dollars, such as importers and exporters. In these cases, the best option is to make coverage, buy dollars averaged and maintain medium -term positions or sales. Given the context of volatility, the key is to protect and mitigate risks through adequate financial strategies.
However, for those who seek to take advantage of opportunities through the purchase and sale of foreign exchange or trading, it is essential to understand the macroeconomic panorama. It is key to analyze weekly the evolution of the economic policy of the United States, the behavior of the international oil market and the effects of commercial wars, especially between the United States and partners such as Canada or China. These factors directly affect the performance of currencies in Colombia.
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What to take care of?
It is essential to stay alert to the macroeconomic policy of the United States without losing sight of the local situation. In the last year, it has evidenced how Colombian government decisions significantly influence the behavior of the dollar.
Thus, to make informed decisions, it is essential to monitor both US and Colombian policies, in addition to the oil market and other key macroeconomic indicators.
Ready for Open Banking?
We are very attentive to the new interoperability scheme between banks that will come out. Our goal in Littio is always being at the forefront of the latest technological developments that allow us to operate more efficiently and offer a better service. I think that interoperability between banks will completely change the user experience and the financial products that companies have in Colombia.
Therefore, we have a development plan to adjust to this. The value proposition, at least of our company, is to offer the best service of international payments and payments in general, being rapid and efficient. And interoperability will allow us to be even faster. So, with this proposal, we continue to increase our user base.
Littio
Littio
How do this progress in Colombia?
I think we are on the right track. It has been more challenging than what happened in other places. We really like the example of Brazil, especially with regard to the development of financial infrastructure or financial products. Throughout the country, that revolutionized the market and allowed many companies to improve or create higher quality products for users.
In Colombia, this process has taken longer, perhaps because we are at a different time, where creating a novel solution has not been so direct. However, I believe that in the last year the process has been reviewed and now there is a greater alignment among all the market actors to achieve a solution this year. So, although it has been delayed, I think it will be very beneficial for companies this year.
Perspectives with BRE-B?
We operate as an entity through payment processors that allow us to be faster and more efficient in our business. The way in which we interact with BRE-B is through payments suppliers that have the appropriate infrastructure and financial entities that already have that infrastructure developed and that can be integrated. We leverage that infrastructure to do our service even easier and faster.
We do not do it directly because we use financial entities or payment processors, basically agents of the financial system, which allow us to connect with BRE-B in the future. Therefore, we hope that, as soon as the infrastructure comes out, we can use it for our services.
