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"More companies in Colombia right now are becoming mutlilatinas," says Carlos Ferrer of Unisys, "and we are identifying many more opportunities to provide those global solutions."

Jaime Peláez of Internexa says "banks have an enormous challenge ahead" to both improve their own security and teach users how to safeguard themselves.

"Not everybody in Colombia has access to the modern economy, and that in itself is an important inequality that needs to be addressed," said Deaton.