Obtén Más
Obtén Más is a revolutionary digital wallet designed to simplify financial management for individuals and small businesses. This free app centralizes gift cards, social program benefits, and QR-based payments, enabling users to add beneficiaries, track expenses, and process transactions securely. Its intuitive interface and zero commission fees make it ideal for merchants and beneficiaries alike, ensuring seamless financial operations.
Features of Obtén Más:
1. Unified Card Management: Store gift cards, social program cards, and payment methods in one place.
2. QR Payment System: Generate and scan QR codes for instant, fee-free transactions.
3. Beneficiary Integration: Easily add and manage beneficiaries for streamlined fund distribution.
4. Expense Tracking: Monitor spending and transaction history in real time.
5. Business-Friendly Tools: Accept scholarship or social program payments directly via QR codes.
6. Offline Accessibility: Perform basic functions without constant internet connectivity.
Advantages of Obtén Más:
1. Zero Costs: No registration, subscription, or transaction fees.
2. Rapid Activation: Set up a business account in three simple steps.
3. User-Centric Design: Intuitive interface for tech novices and professionals.
4. Security: Encrypted transactions and PIN authorization protect user data.
5. Community Focus: Encourages local economic growth by keeping funds within neighborhoods.
Disadvantages of Obtén Más:
1. Regional Limitations: Primarily available in São Paulo, restricting broader adoption.
2. Narrow Payment Options: Supports only QR-based transactions, excluding card-to-card transfers.
3. Occasional Bugs: Users report sporadic app crashes during updates.
Development Team:
Developed by a São Paulo-based fintech startup, Obtén Más leverages partnerships with local financial institutions. The team emphasizes accessibility, focusing on unbanked communities and small businesses. Though newer to the market, their agile approach integrates user feedback for iterative improvements.
Competitive Products:
- Nequi: Offers broader banking features but charges fees for business transactions.
- PicPay: Popular for retail payments but lacks social program integration.
- Mercado Pago: Robust for e-commerce but complex for small-scale merchants.
Obtén Más stands out with its zero-cost model and community-driven focus but trails in global features.
Market Performance:
Ranked 4.3/5 on app stores, Obtén Más boasts over 150,000 downloads, predominantly in Brazil. Users praise its simplicity and fee-free model, while criticisms highlight regional restrictions and occasional glitches. Small businesses rate it highly for its quick setup and QR efficiency.
