Technology Solutions for Financial Services
We modernize financial institutions with core banking, payment gateways, AI fraud detection, automated regulatory compliance and advanced analytics. CNBV, PCI DSS, Fintech Law and AML/KYC compliance. Powered by ARIA.
ARIA — Automated Resource Intelligence Agent
Regulatory Framework & Compliance
In financial services, compliance is not optional. Every solution we build integrates regulatory compliance from the architecture:
CNBV
National Banking and Securities Commission. Compliance with general provisions applicable to credit institutions, credit auxiliaries and development organizations. Automated regulatory reporting.
CONDUSEF
National Commission for the Protection and Defense of Financial Service Users. Transparency in products, contracts and fees. Integrated user service portals.
PCI DSS v4.0
Payment Card Industry Data Security Standard. Network segmentation, cardholder data encryption, vulnerability management, access control and continuous suspicious activity monitoring.
Fintech Law
Law to Regulate Financial Technology Institutions. Regulatory framework for FTIs, novel models, regulatory sandbox, open APIs and capital requirements. Compliance from architecture.
AML / KYC
Anti-Money Laundering and Know Your Customer. Digital onboarding with biometric verification, blacklist screening (OFAC, PEPs, UIF), real-time transaction monitoring and suspicious operation reports.
SOX / NIIF
Sarbanes-Oxley and International Financial Reporting Standards. Automated internal controls, immutable audit trails, segregation of duties and standardized financial reporting.
Sub-Verticals We Serve
Deep expertise in every segment of the Mexican financial sector, with solutions adapted to each business model and regulatory framework:
Commercial Banking
Core banking modernization, digital banking, corporate portals, automated commercial lending, treasury and corporate client relationship management. Integration with SPEI, CODI and correspondents.
Insurance
Policy issuance platforms, claims management, digital actuarial, agent portals and predictive risk models. CNSF compliance and full insurance lifecycle automation.
Fintech
Native fintech platform development: lending, neobanks, crowdfunding, remittances and BNPL. Cloud-native architecture, open APIs, regulatory sandbox and scalability for millions of users.
Payments / SPEI
Omnichannel payment gateways, direct SPEI/CODI integration, card processing, digital wallets, automated reconciliation and real-time fraud prevention for every transaction.
Wealth Management
Digital financial advisory platforms, robo-advisors, investment portals, portfolio management and personalized reporting. Risk profiling and suitability compliance for CNBV.
Microfinance
Microloan origination and administration systems, alternative scoring with non-traditional data, intelligent collections, solidarity group management and credit bureau reporting.
The Problem
The critical challenges financial institutions face in Mexico. If you identify with 2 or more, we need to talk:
Obsolete core banking
Core systems from 20+ years ago in COBOL or AS/400 that dont support modern digital products. Each new product takes months of development and risks system stability. Maintenance costs exceed innovation costs.
Real-time fraud
Fraud schemes evolve faster than static rules. Without machine learning, institutions lose millions in undetected fraud or block legitimate transactions that frustrate customers.
Manual and costly compliance
Entire teams dedicated to manual regulatory reporting to CNBV, CONDUSEF and UIF. Constant risk of fines from human errors, missed deadlines and lack of traceability in suspicious operations.
Poor digital experience
Customers migrate to fintechs offering 5-minute onboarding, while traditional banking requires branch visits and multi-day processes. 67% of Mexican millennials prefer 100% digital banking.
Data silos
Customer information fragmented across core banking, CRM, insurance and cards. Without a 360 client view, its impossible to offer personalized products, detect cross-fraud or efficiently comply with KYC.
Limited SPEI/CODI integration
Batch processing of transfers instead of real-time. Manual movement reconciliation, payment application errors and lack of end-to-end traceability in fund flows.
Our Solutions: 10 Key Capabilities
Comprehensive solution suite for financial institutions, from transactional core to advanced analytics:
Core Banking Modernization
Gradual migration from legacy systems to microservices architectures. Decoupling of products, channels and rules engine. Zero-downtime transition to avoid impacting operations.
Payment Gateways
Omnichannel payment processing with cards, SPEI, CODI, digital wallets and BNPL. PCI DSS tokenization, 3D Secure 2.0, automated reconciliation and T+0 settlement.
Regulatory Compliance
Automated reporting engine for CNBV, CONDUSEF, UIF and Banxico. R01-R36 generation, unusual operation alerts, digital KYC and immutable audit trails.
AI Fraud Detection
Machine learning models analyzing transactional patterns in real-time. Per-transaction risk scoring, anomaly detection, dynamic rules and 60% false positive reduction.
Financial Analytics & BI
Executive dashboards with KPIs for profitability by product, funding cost, delinquency, CAC/LTV, ROA/ROE and digital channel metrics. Predictive churn and cross-sell models.
Digital KYC Onboarding
Biometric identity verification, AI-powered INE/passport validation, PEP/OFAC list screening, advanced electronic signature and account opening in under 5 minutes.
SPEI / CODI Integration
Direct Banxico connection for real-time transfers. 24/7 processing, automatic reconciliation, push notifications and complete fund flow traceability.
Alternative Credit Scoring
Scoring models integrating traditional data (bureau) with alternative data: utility payment history, transactional data, digital footprint and financial behavior to expand credit access.
Financial Cybersecurity
Zero-trust architecture, WAF, HSM encryption, adaptive multi-factor authentication, 24/7 SOC monitoring and periodic penetration testing. PCI DSS v4.0 and NIST CSF compliance.
Open Banking & APIs
Open API platform compliant with the Fintech Law. Financial services marketplace, third-party integration, data monetization and technology partner ecosystem.
ARIA in Financial Services
Our proprietary artificial intelligence platform accelerates financial modernization with built-in compliance, specialized testing and critical zero-downtime deployments.
Technology Due Diligence
Evaluates current core banking architecture, maps dependencies, identifies compliance risks and generates a digital maturity assessment with prioritized roadmap. Reduces diagnostics from 4 weeks to 7 days.
Regulated Scaffolding
Generates base architecture with built-in compliance: PCI DSS structure, CNBV reporting data models, Fintech Law-compliant APIs and KYC pipelines. Your team starts with regulation already solved.
24/7 Financial Testing
Runs numerical precision tests, balance reconciliation, regulatory reporting validation, transactional load stress tests and SOX control verification on every deployment.
Critical Zero-Downtime Deploy
Orchestrates canary deployments for critical financial systems. Automatic rollback if balance discrepancies or transactional anomalies are detected. Zero-minute maintenance windows.
+ Ops Agent: 24/7 continuous monitoring with transactional anomaly detection, compliance alerts and auto-scaling for processing peaks.
6-Phase Methodology
A specialized process to transform financial institutions without disrupting operations or compromising security:
Regulatory Assessment
Comprehensive digital maturity evaluation, compliance gap analysis against CNBV/PCI DSS/Fintech Law, legacy system mapping and quick wins definition. ARIA Discovery Agent analyzes current architecture.
Solution Architecture
Target architecture design with built-in compliance: microservices, event sourcing for auditing, HSM encryption and environment segregation. Blueprint validated with IT, compliance and business.
Secure Development
2-week sprints with security code review on every PR. First transactional core and compliance, then digital channels and analytics. SAST/DAST on every build.
Critical Integrations
Connection with SPEI/Banxico, credit bureaus, PACs, biometric KYC providers, card switches and legacy systems. Data migration with penny-level integrity validation.
Canary Go-Live
Progressive launch: first a controlled client segment, then gradual expansion. ARIA Deploy Agent monitors balances, transactions and performance metrics in real-time during transition.
Stabilization & Optimization
12-week intensive post go-live monitoring. Fraud model tuning, query optimization, regulatory alert refinement and advanced training for compliance and operations teams.
Tech Stack
Financial-grade technologies for each solution layer:
| Layer | Technologies |
|---|---|
| Core Banking | MambuTemenosCustom CoreEvent SourcingCQRS |
| Payments | SPEI/CODIStripeConektaProsaOpenPay |
| Security | Thales HSMVaultWAFSIEMMFA Adaptive |
| Cloud | AWS (GovCloud)AzureKubernetesIstioRedis Cluster |
| Data / AI | SnowflakeApache KafkaTensorFlowMLflowdbt |
| Integrations | MuleSoftREST/gRPCISO 8583ISO 20022Webhooks |
Success Stories
Real results from financial transformations we have led in Mexico:
Banco Azteca Digital
Core banking transformation to microservices
For Banco Azteca, we led the modernization of their transactional platform migrating from a legacy monolith to a microservices architecture. The project enabled new digital products, reduced time-to-market from months to weeks and scaled to support 15M+ daily transactions.
Kueski
AI credit scoring engine
We developed for Kueski a machine learning-based credit scoring engine integrating traditional bureau data with alternative data. The model reduces delinquency risk by 38% and enables credit decisions in under 3 seconds, enabling instant loans.
Clip
Reconciliation and anti-fraud platform
For Clip, we built an automated reconciliation platform processing millions of daily transactions and a real-time fraud detection engine. The system reduced chargebacks by 52% and automated 95% of the reconciliation process that was previously manual.
Finance with iTechDev vs Traditional Approach
The difference between modernizing with world-class technology and continuing to operate with legacy systems:
| Aspect | Traditional | iTechDev + ARIA |
|---|---|---|
| Core Banking | COBOL/AS400 monolith | Cloud-native microservices |
| Fraud detection | Static rules, manual review | Real-time ML, dynamic scoring |
| Compliance | Manual reporting, error-prone | Automated, pre-submission validated |
| KYC / Onboarding | In-person, 3-5 days | Digital, biometric, 5 minutes |
| Payment processing | Nightly batch | Real-time 24/7 with SPEI |
| Implementation time | 18-24 months | 6-9 months with ARIA |
| Open Banking | Not available | Fintech Law-compliant APIs |
| Scalability | Hardware-limited | Elastic cloud auto-scaling |
Included Deliverables
Every financial transformation project includes these deliverables. Your institution owns 100% of the solution:
Segments We Serve
Financial technology experience for the most regulated and demanding segments in Mexico:
Frequently Asked Questions
How long does it take to modernize a core banking system?
A complete modernization takes 9-15 months depending on scope. We do gradual migration by products/channels with partial go-lives. From month 4-5 there are already modernized components in production. The legacy system operates in parallel until migration is complete.
How do you guarantee PCI DSS compliance?
We implement PCI DSS v4.0 from the architecture: network segmentation, cardholder data tokenization, HSM encryption, role-based access control, immutable logging and quarterly penetration testing. Our team includes certified QSAs.
Does it integrate with SPEI and credit bureaus?
Yes. We have proven integrations with SPEI/Banxico, CODI, Circulo de Credito, Buro de Credito, Prosa, E-Global and major card switches. Typical SPEI integration takes 4-6 weeks including certification.
How do you handle fraud detection?
We combine configurable business rules with machine learning models that analyze patterns in real-time. The system continuously learns from new fraud patterns, reduces false positives by 60% and processes each transaction in under 50ms.
What about the Fintech Law and open banking?
We design all platforms with open APIs compliant with the Fintech Law. We include OpenAPI 3.0 documentation, third-party sandbox, consent management and API monetization. If you are an FTI, we meet the requirements to operate in CNBVs regulatory sandbox.
Do you offer post-implementation support?
Yes. For financial services we offer 12 weeks of intensive post go-live support with a dedicated team and 15-minute response SLA for critical incidents. After that, 24/7 support plans with continuous fraud model evolution and regulatory updates.
Modernize Your Financial Institution
Schedule a free 30-minute consultation. We evaluate your current architecture, identify compliance risks and give you a modernization roadmap — no commitment.
Backed by ARIA, our AI platform that accelerates every phase of financial transformation with built-in compliance.
Guaranteed response in under 24 hours. No commitment. 100% confidential.