Introduction
In the latest episode of the Slice of Technology podcast, host Jared S. Taylor welcomed Juan Pablo Ortega, Co-Founder and CEO of Yuno, to discuss the company’s transformative work in global payment infrastructure. From his early days at Rappi to leading innovation at Yuno, Juan shared insights into the complexities of Payments 3.0 and how AI is at the core of simplifying payments worldwide.

From Rappi to Yuno: The Journey
Juan’s experience as a merchant at Rappi revealed significant gaps in payment systems, inspiring the creation of Yuno. Yuno addresses the challenges of integrating multiple payment providers and alternative payment methods (APMs) such as Venmo, Cash App, and regional digital wallets. With a vision to abstract the complexity of global payments, Yuno enables businesses to focus on growth without the burden of managing fragmented systems.

Revolutionizing Payments with AI
AI plays a pivotal role in Yuno’s operations:

1. Developer Efficiency: AI tools accelerate coding processes, automate unit testing, and reduce integration times.
2. Transaction Routing: Machine learning ensures transactions are directed to the most efficient processor, improving approval rates.
3. Customer Support: Yuno recently introduced an AI-powered agent to assist users with declined transactions, enhancing user experience while reducing operational costs.

These innovations exemplify how AI is reshaping not only the payments industry but also the customer experience.

Understanding Payments 3.0
According to Juan, Payments 3.0 represents the evolution from simple credit card transactions (Payments 1.0) and early online payment systems (Payments 2.0) to a multifaceted ecosystem supporting various payment methods. With the rise of APMs and the need for streamlined integration, Payments 3.0 emphasizes adaptability and scalability, enabling businesses to cater to diverse consumer preferences without additional complexity.

Global Expansion and Challenges
Yuno is making significant strides in global markets, particularly in APAC, Europe, and the Middle East. Juan reflected on the early challenges of expanding into Asia, such as navigating cultural nuances and time zones. However, with a robust team and strategic investments, Yuno is poised to become a global leader in payment orchestration.

The HumanX Conference
Juan expressed excitement about the upcoming HumanX Conference, describing it as a unique opportunity for decision-makers and practitioners to share practical AI applications. He envisions the conference as a platform for exchanging ideas and fostering innovation across industries.

Conclusion
Juan Pablo Ortega’s insights reveal Yuno’s mission to simplify global payments through innovation and AI. With ambitious expansion plans and a commitment to solving real-world problems, Yuno is at the forefront of Payments 3.0. Whether you’re a business leader or a tech enthusiast, the future of payments as envisioned by Yuno promises inclusivity and efficiency on a global scale.