novae is a new answer to change, a global presence inspired by what’s next. A catalyst, a shaper, a non-settler; novae creates superior user experiences for a new era that craves new business models and technologies, the kind that only new partnerships can create.
Collaboration or nothing. We know no other path to innovation. We aim for nothing else but global disruption.
We’re novae. We’re DisrupTech.
Understanding consumer behavior has become increasingly complex. Manufacturers, distributors and service providers far and wide dedicate copious resources on R&D, forecasting and marketing, just so they can have a say, but it is the consumer who has the last word.
That last word, however, is deeply rooted in emotional reasons, something almost impossible to understand.
Enter behavioral economics, a relatively new practice, essential for organizations seeking to be one step ahead of the market. It is built atop collective psychological and cognitive data, mixed with conventional economic concepts to identify triggers, and anticipate the underlying biases and motivators that determine where people decide to spend their money.
This uncommon blend rapidly became our compass to navigate the world of finance, insurance and technology, for it reveals new horizons seeking new accelerated business models, user-centric solutions, disruptive user experiences and speed needs.
Satisfied and happy consumers.
We operate under the certainty that it is only a matter of time until invisible payments replace the act of swiping or inserting credit cards for good.
Largely seen as convenience, we see invisible payments for what they truly are: endless opportunities for incremental spending. By minimizing the psychological impact of unpocketing cash or swiping credit cards, consumers are no longer as concerned about cost. Their mental barriers are down, and for that they become more willing to consider larger and more frequent purchases on a daily basis.
Consumers are adopting invisible payments at a staggering pace, given its painless nature, and it should be no different than the transition from CD collections to digital music libraries.
novae’s higher purpose is to offer
visibly superior experiences with
invisible payments + assurance.
The DisrupTech mindset would not exist without diversity, experience and courage leading the way. Our leaders are more than decision makers; they are natural doers, tireless inventors, proven oracles, market whisperers, tech evangelists and thinkers alike.
novae has a disruptive circumnavigating organization, rather than a traditional horizontal or vertical structure.
A natural-born entrepreneur. A Fin&InsurTech pioneer, one of the first to focus his core businesses and partnerships on technologies for industries ripe for disruption. In 2018, he is celebrating the 40th anniversary of his first invention. Yes, you can do the math. He was hardly a teenager.
Product Development & Marketing. Global experience in the financial sector developing, launching and managing a broad range of groundbreaking payment and insurance products – Amex, Master Card and Cigna International.
Marketing & Global Banking. Global Payments Division for Banco Santander in Brazil, Mexico, Portugal, Venezuela, Puerto Rico, Spain and the U.K.
Tech Industry Leader. Software development, telecommunications, infrastructure, customer service and operations. Amadeus, Experian and various financial institutions.
A seasoned business executive with 20+ years of experience delivering transformative businesses and leading mayor strategic partnerships, alliances and commercial deals in the financial and payments space. Led the development and growth of 15+ markets at Amex, while leading cross-functional teams throughout various regions.
Strong experience with global brands such as Chase, Visa, Amex, AA, Western Union, Ford and Progressive Direct. Recognized at Cannes, Awwwards, FWA, Wave, Clio, Fiap, Ojo de Iberoamerica, Mercury, ADDYs, Effie Awards, among others.
This principle found in nature allows an organism’s working parts to thrive independently, ultimately favoring its success in the environment.
The phenomenon inspired us to create a structure that trades hierarchy for a common purpose: to provide true cross-functional services and end-to-end solutions for our partners and clients.
Each area at novae is able to create its own strategies and methods to work more efficiently, reduce costs and harness resources, all while engaging in constant communication with the other. In other words, we become a human network nurtured by knowledge, expertise and lean thinking.
Our unique cellular business model allows us to achieve the level of adaptability and flexibility required to react to and exploit market opportunities with customer-centric, channel-agnostic solutions.
By 2030, potentially 100 trillion sensors will make everything around us smart.
Both virtual and human support will eventually morph into artificial intelligence (AI) as a personal assistant.
“alle” is novae’s disruptive and simple AI solution that assembles human-centric functionalities into one simple SDK or app.
As algorithms get better at predicting behaviors and tailoring offers for consumers, in the near future the trends for financial and insurance services will come in the form of AI and wearable technologies, such as Apple’s HealthKit or Fitbit. These go beyond providing the user the right product and service at the right time, by wrapping their decisions in context and creating awareness of their own financial status.
17+ years in the payments ecosystem. Led business development at Amex plus merchant acquisition and network expansion strategies in different markets.
Managed Travel and Entertainment partnerships for Amex. Oversaw merchant relationships in Argentina and international go-to-market business strategies.
Multicultural marketing expert in loyalty programs, product line strategy, new product development, online marketing and card acquisition.
Global payments, financial and insurance guru. Managed end-to-end, large-scale programs internationally at ACE Group, Amex and Master Card.
Expert in the Travel & Leisure Industry, with tenures at Despegar.com, Sabre, and Expedia. Launched Travelocity’s merchant hotel sales internationally.
Top executive for the Experience Management and Contact Relationship fields, working at Sony, Kodak, Orange, Nextel, BellSouth and Despegar.com.
15+ years driving results in finance, project management, operations, business development, sales and compliance from various roles at Amex.
Experienced program manager. Developed mobile software throughout for the likes of Wells Fargo, Amex, JP Morgan Chase and Motorola.
Excel at branding and positioning products and services globally such as PepsiCo and AmEx. Enjoy promoting high-end worldwide experiences.
Investing in DisrupTech has become an essential strategy at novae, since trends and studies acknowledge consumption as the largest driver of economic growth – accounting for over two thirds of the economic growth worldwide.
Following the investment of CASEIF III LP (2016), a private equity fund, novae joined forces in 2018 with ExWorks Capital, based in Chicago and London, to create a uniquely dynamic finance model to complement our fast-paced and disruptive business expansion.
Currently, we rely on the unparalleled support of our CFO, John Sharpe, who oversees the synchronization between our raising capital efforts and business revenue.
As part of our financial transformation and international growth, a&a Co. – our global equity investment company, based in San Francisco – invested and executed an LBO of Handy U Inc. Additionally, ISSC took over the original operation in Colombia and established a Share Service Center that extended its services with hubs in Buenos Aires and London.