Ricardo Quiroz
Ricardo Quiroz is the Chief Commercial Officer at BackChannel, a B2B marketplace that helps leading brands monetize excess inventory through technology and data-driven solutions. With over 20 years of experience in commercial leadership, business development, and supply chain across Latin America, he works at the intersection of technology, artificial intelligence, and innovation, helping companies turn operational challenges into new growth opportunities.
The Impact of "Click to Buy" on Our Wallets (and the Economy)
The shift from cash to digital payments—driven by digital wallets, digital banks, QR codes, and instant transfers—has reduced friction, accelerated consumption, and made everyday transactions virtually invisible. At the same time, it has increased transaction traceability, personalized offers, and the use of data for credit and marketing. This panel explores how digital money has reshaped our perception of spending, debt, and value, and how financial platforms are influencing consumer behavior, financial inclusion, and economic control.