Blend partnered with AWS to help Progresión implement a mass payment and collection system that automates payroll, supplier disbursements, and receivables at scale. The solution leverages unique transaction references to enable real-time reconciliation while embedding identity controls, API protection, encryption, and fraud monitoring to ensure the security and reliability of large-scale financial operations. By modernizing payments infrastructure, Progresión expanded secure digital access for businesses and underserved communities while reducing costs and accelerating cash flow.

• Manual Matching: Managing thousands of small payments across multiple banks required manual reconciliation, creating delays, errors, and heavy administrative overhead.
• Reconciliation Gaps: Missing or inconsistent payment references limited financial visibility and audit readiness.
• ACH Dependence: Reliance on Colombia’s ACH system delayed cash flow and increased operational costs, restricting real-time liquidity management.
• Security Vulnerabilities: Without automated identity controls, encryption, API protection, and fraud monitoring, mass collections faced risks in accuracy, integrity, and regulatory compliance.

The new AWS-powered platform allowed Progresión to streamline payment operations and expand financial access across multiple channels:

• Eliminated settlement delays, enabling payments to clear in near real time.
• Simplified micro-payment management, freeing resources for higher-value activities.
• Ensured continuous access to financial services across peer-to-peer and retail environments.
• Expanded secure access to digital payments for underserved and unbanked communities.
• Built trust through embedded identity controls, encryption, API protection, and fraud monitoring.