```json { "title": "To pay, a key instance", "url": "https://energiaenmovimiento.com.ar/to-pay-a-key-instance/", "datePublished": "2019-05-14", "dateModified": "2020-03-04", "language": "es" } ``` # To pay, a key instance ![image](http://energiaenmovimiento.com.ar/wp-content/uploads/2019/05/adc_group-1-art-decode-1024x581.png) Bills that do not arrive, crowded commercial offices, limited schedule and the call center with which it is difficult to communicate. Paying a bill then can become a great Odyssey for a user of service companies. Nowadays, the user’s experience and the perception they have of each company is essential. Any company-user contact is a key moment. If an organization provides a poor user’s attention, everything achieved vanishes at once.   “I didn’t get the bill and the second due date is over. Now I have to go to an office to pay it but to do this, I have to ask for permission at work”. “I was half an hour calling 0800 to pay with the card but I couldn’t get through” ”They didn’t send me the bill and it is me who has to look for a way to go to a branch to pay it”  These are some of the users’ complaints that have revealed the fact  that the companies are not doing their best to make paying a bill , regardless of their state, a simple task. The collection, time to pay, can not be unaware of the user’s experience and the costs that a bad or poor solution can increase.  Over the last years, the companies have included different collection entities, widening in this way the clients’ choices and even extending the opening hours  at non-banking entities. Later on, the digital collection area started, as with  PayMyBills that widened the possibility of paying to 7x24 during the 365 days of the year, at least for bank users (only 48 % out of the population over  18 years ). However, all these possibilities are not enough to meet the users’ needs and expectations. Gustavo García, con-founder of [ArtdeCode](http://innovaccs.com./?utm_source=energia%20en%20movimiento&utm_medium=nota&utm_campaign=innovaccs#/),  explains that the information of each user’s debt is sent to the collection entities, generally offline (files or bar codes of the invoice). Then, they inform the payment to the companies, once it has been collected, offline too, so that it is usual a 49-72 hours delay for the company to know about the payment made  at an external collection point. It can raise different problems , for instance:       There are also some collection entities that support *online* and *partially online *operations. Both modalities greatly reduce the problems discussed by Gustavo García. They involve integrations between the commercial system of both the company and the collection entities. The *online* *operation* requires that the entity invoke a service that provides the documents or invoices  that inform the user’s current debt and then, after the payment , informs the milestone to the company immediately so that it impacts on the commercial system and , if it is necessary any arrears action or service cut can be avoided. In contrast, in the *partially online* operation, only the payment milestone is informed at once, Emilio Alberdi, founder member of Artcode, tells us.       When the user becomes the focus and the client is the center of a company, it has to think about each of the actions and contacts with the user. At this time, the problems brought about by the offline operation must be taken into account and a decision to face the change must be made. This means a resounding improvement in its users’ experience, in the company’s image  they have made up. Simultaneously, great economic benefits for the organization are generated, by reducing costs in their internal processes. This is the moment when “the company meets the problem that each entity deals with a different integration protocol, as regards messaging and accountability and liquidation files. This implies that it has to develop, test, standardize and monitor as many integrations as payment entities it decides to include. For larger companies, it might make an economic sense but for the smaller ones it is more complex. Anyway ,in both cases it ends up being an implementation project of about 6 and 12 months, as long as it can rely on resources trained on Systems to do the integrations”, Gustavo García explains.       In view of this situation and with the previous experience of having been working in service companies, Gustavo García and Emilio Alberdi, ArtdeCode founders, developed ***[Innova CCS](http://innovaccs.com./?utm_source=energia%20en%20movimiento&utm_medium=nota&utm_campaign=innovaccs#/)*** (Customer Centric Solutions). It stands as the solution to reduce the current frictions between the user of public service and the companies with the resulting improvement of the rates of satisfaction and service quality. At the same time, costs are reduced and the processes for the company are improved. This platform, cloud-based software, is made up of the following solutions: Android app and IOS.            The last solution , *[Innova Cash Connector & Control](http://innovaccs.com./?utm_source=energia%20en%20movimiento&utm_medium=nota&utm_campaign=innovaccs#/)* has two main components : a payment hub  (*Cash Connector*) and a conciliator (*Cash Control*).            *Innova Cash Connector* simplifies the integration to operate online against the collection entities and speeds up the implementation process, reducing the integration to only one, that is, the commercial system of the company with *Innova Cash Connector*.             Its ideal complement is “*[Innova Cash Control](http://innovaccs.com./?utm_source=energia%20en%20movimiento&utm_medium=nota&utm_campaign=innovaccs#/)*” by which the processes of accountability and liquidation are streamlined for both online and offline operations as it is shaped to have the accountability and liquidation files (email, FTP, web site, etc ) for its automatic process. Once it has been obtained, after being validated the different conciliations are carried out  making it possible the complete traceability between the accounting entries and the associated transactions or vouchers. It also has graphics and reports for a better tracking of errors found in the accounting for their resolution by the entities.           In short, *[Innova Cash Connector &](http://innovaccs.com./?utm_source=energia%20en%20movimiento&utm_medium=nota&utm_campaign=innovaccs#/)*[http://innovaccs.com./?utm_source=energia%20en%20movimiento&utm_medium=nota&utm_campaign=innovaccs#/](http://innovaccs.com./?utm_source=energia%20en%20movimiento&utm_medium=nota&utm_campaign=innovaccs#/)*[Control](http://innovaccs.com./?utm_source=energia%20en%20movimiento&utm_medium=nota&utm_campaign=innovaccs#/)* allows companies to start operating online quickly. It implies a reduction of costs of other internal processes, like early delay or reconnection management. It also improves the user’s experience and perception they have of the company and optimizes accounting processes.           “As we know , there are different realities in this type of companies, some of them are bigger whereas others are smaller, but we have shaped a marketing scheme that allows all of them to have access and benefit from it having the advantages provided by Innova [Cash connector ](http://innovaccs.com./?utm_source=energia%20en%20movimiento&utm_medium=nota&utm_campaign=innovaccs#/)*[& Control](http://innovaccs.com./?utm_source=energia%20en%20movimiento&utm_medium=nota&utm_campaign=innovaccs#/)*”, Emilio concludes.