13% of The SNR Users Obtain their Certificate Online Thanks to Kushki

Thanks to Kushki's digital solution for the Superintendency office, Ownership History and No-Lien Certificates can now be downloaded in the comfort of users' own home in less than a minute.

The Superintendence of Notary and Registry (SNR, in Spanish) is a governmental organization and the supreme authority for real estate registry in Colombia. They serve a large number of citizens who want to obtain their Ownership History and No-Lien Certificate (CTL, Certificado de Tradición y Libertad), and issue around 23,000 to 75,000 CTLs every day.

This document contains all the historical information of a property and its owners and it is in a high demand because it is required to buy or sell real state, apply for mortgage credits, perform structural changes in properties, support revenues, and even for resolving legal disputes.

Previously, the only existing payment method for this procedure was cash. As a result, users had to go to a Public Instruments Registry Office (ORIP, in Spanish), with the property registration number and pay to obtain their document. This made the process slow and tiresome for users, because it took up a lot of time and money for transportation, they had to make long lines, and there were informal advisors who resold CTLs at a very high price.

An Ally for Progress --------------------

Some traditional or governmental companies do not have the possibility of opening certain channels or launching some initiatives, because of the multiple priorities and responsibilities they have to deal with. This without mentioning the cost and training that digital transformation requires, complicating technology management for some of them.

The SNR belonged to this group of organizations. However, (and despite these limitations) they wanted to improve their services and the general experience for both their users and their employees. In this case, Kushki took the control of the process from end to end, simplifying it, making these services provision digital and generating new payment methods.

Results -------

Once [Kushki](https://kushkipagos.com) created a payment channel for credit cards and PSE (payment method by wire transfer and checking account), new doors were opened for SNR´s users. Now, the whole process to obtain an Ownership history and no-lien Certificate can be done online, and it takes only one minute. In total, 13% of the certifications are generated through this platform, thus reducing in-person procedures at the Superintendency of Colombia offices.

Additionally, real estate agencies and private entities can request multiple certificates at once quickly and easily, simplifying the process for them as well. In this way, many of them decide to opt for massive downloads, using the credit card payment benefit.

Ownership history and no-lien Certificates can be obtained at [www.certificadotradicionylibertad.com](https://www.certificadotradicionylibertad.com/)

This results in a more fluid and efficient work for the SNR, and increases benefits for their users, as they don't have to resort to informal channels, and have a greater control over their time. Likewise, the process is more convenient, because it can be performed from anywhere, and it offers multiple payment options: credit card or wire transfer through the SNR's page, or cash for those people who still decide to go to the SNR offices.