Digital Transformation for Fintech
We combine artificial intelligence, cloud infrastructure and specialized talent so your fintech scales with confidence.
Los 3 retos tech de Fintech
Financial regulation that changes every quarter
PCI-DSS, Open Banking, SARLAFT, Habeas Data. Every regulatory change forces updates to infrastructure, data flows, and access controls. A single audit finding can delay a launch 90 days.
Real-time fraud detection with zero user friction
Fraud patterns mutate within weeks. Static rules fail; slow models block good users. Sub-100ms scoring with auditable human fallback is required.
Transaction spikes on payroll days and month-end closings
5–10× load concentrated in 2 hours. Takes down critical endpoints, triggers cloud cost spikes, and generates timeouts that translate into abandonment. Scaling ahead of time is not a cost-effective option.
Legacy core that cannot be shut down
The mainframe or banking monolith remains the system of record. Modernizing on top—without a big-bang migration—requires anti-corruption layers, event streaming, and strict data governance.
KYC Onboarding That Converts
Each additional verification step costs 10–15% conversion. Liveness, document OCR, bureau validation, and AML must occur in <90 seconds without compromising compliance.
Cómo el marco I+C+S resuelve esto
AI for Fintech
Credit scoring models, real-time fraud detection and virtual assistants.
Cloud for Fintech
Serverless and multi-AZ architectures that scale automatically, meeting PCI-DSS standards.
Staffing for Fintech
Senior engineers with digital banking and payments experience, integrated in under 10 days.
Industry challenges
Financial regulation that changes every quarter
PCI-DSS, Open Banking, SARLAFT, Habeas Data. Every regulatory change forces updates to infrastructure, data flows, and access controls. A single audit finding can delay a launch 90 days.
73% of fintechs in LATAM cite compliance as the #1 barrier to growth.
Real-time fraud detection with zero user friction
Fraud patterns mutate within weeks. Static rules fail; slow models block good users. Sub-100ms scoring with auditable human fallback is required.
Digital payment fraud grew 28% YoY in 2024 (source: Chainalysis, Felaban).
Transaction spikes on payroll days and month-end closings
5–10× load concentrated in 2 hours. Takes down critical endpoints, triggers cloud cost spikes, and generates timeouts that translate into abandonment. Scaling ahead of time is not a cost-effective option.
Legacy core that cannot be shut down
The mainframe or banking monolith remains the system of record. Modernizing on top—without a big-bang migration—requires anti-corruption layers, event streaming, and strict data governance.
KYC Onboarding That Converts
Each additional verification step costs 10–15% conversion. Liveness, document OCR, bureau validation, and AML must occur in <90 seconds without compromising compliance.
Only 45% of users who start a digital account onboarding complete it.
Regulatory frameworks we operate under
Payment Card Industry Data Security Standard
Mandatory standard for any system handling card data. Requires network segmentation, immutable logging, and tokenization.
Anti-Money Laundering and Counter-Terrorism Financing Risk Management System
Anti-money laundering and terrorism financing prevention. Reporting to UIAF and continuous transaction monitoring.
Habeas Data Colombia
Consent, right to deletion, and incident reporting to the SIC.
Service Organization Control 2
Annual audit of security, availability, and confidentiality controls.
Circular 004 Banco de la República
Standardized APIs to share financial data with customer authorization.
SFC Cybersecurity
Financial Superintendency: cyber-risk management, incident reporting within 24h.
How we implement in this industry
Real patterns we have delivered, not theoretical slides.
Alternative Scoring with Non-Traditional Data
Models that use digital behavior, utility payment history, and open banking signals to assess risk for customers without traditional credit history.
Outcome: 2.3× higher approval rate in underbanked segments while maintaining controlled delinquency rate.
Fraud detection with gradient boosting + rules
Real-time feature pipeline on Kafka, model served in <80ms, rules engine editable by the fraud team without redeploy.
Outcome: 38% fewer false positives, without increasing chargebacks.
Legacy core migration with strangler pattern
Anti-corruption layer between the legacy core and new microservices. Modules are decommissioned month by month, never in a big-bang.
Outcome: 3 digital products launched in parallel without touching a single line of the original core.
Digital onboarding in 90 seconds
Liveness with regional provider, on-device OCR, parallel bureau validation, and AML with restrictive list screening. Drop-offs monitored by step.
Outcome: From 45% to 71% completion rate in account opening.
Our playbook for this industry
A repeatable method refined across 13 years and 7 countries.
Regulatory and risk assessment
We map current controls against regulatory requirements. Output: prioritized remediation plan.
Event-driven architecture with embedded compliance
Immutable logging, tokenization, and network segmentation are designed from day 1. Not bolted on later.
Incremental delivery with biweekly demos
Each sprint produces something auditable. You never see a big-bang; you can always stop without losing your investment.
Operations with FinOps and real handover
We transfer runbooks, dashboards, and ownership to your team. The code is 100% yours.
Industry signals you should know
Common tech stack
Questions from companies in this sector
Yes. The teams we assign to PCI projects work in isolated environments with access controls and code review according to the client's scope. We participate in SOC 2 Type II renewal audits with our banking clients.
We present candidates within 5 business days. For profiles touching core banking systems we require proven experience in Java/Spring, Kafka and transactional databases. Full integration into the client's team takes 6–10 days.
Yes. We have implemented Open Banking APIs under Circular 004 in Colombia and equivalent standards in Mexico and Chile. We know the consent flows, revocation timelines, and electronic signature requirements.
Yes, we use the strangler pattern with an anti-corruption layer. Our most recent reference is Grupo Bolívar: 3 digital products launched without touching the original core. Shutdowns are gradual and always with rollback capability.
Three options: (1) Monthly Staff Augmentation per engineer, (2) Fixed-price project with closed scope, (3) Fee + success based on measurable KPIs (cloud savings, onboarding conversion, fraud reduction). We choose with the client based on the shared risk that makes sense.
Does your fintech need to scale without losing compliance?
Conversemos sobre cómo la tecnología puede impulsar tus resultados.