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001  /  Solutions  /  Financial Services

AI for banking, compliant by design.

Credit origination. KYC. Customer operations. Regulatory reporting. Production AI for banks, fintechs, and non-bank lenders across Latin America — under CNBV, BACEN, CMF, and the compliance frameworks that actually govern your book.

Regulatory surface
MEXICO
CNBV · CONDUSEF · Banxico
BRAZIL
BACEN · CVM
CHILE
CMF
COLOMBIA
SFC
REGIONAL
FATF · Basel III
002 / The Problem

Every bank in Latin America wants AI. Most cannot deploy it.

The models exist. The budgets exist. The executive mandate exists. What doesn't exist — at most banks in the region — is a compliance-grade path to production. Pilots stall in risk committee. Hyperscaler deployments fail residency review. Internal builds take eighteen months and ship capabilities the regulator won't approve.

The root cause is structural: global AI platforms are engineered for US and EU compliance first, with CNBV, BACEN, and CMF treated as localization problems. Saptiva AI is engineered the other way around.

01 / RESIDENCY
Data that cannot leave the country.
Cross-border data movement is either forbidden outright or requires lengthy authorization. Hyperscaler defaults don't satisfy the rule.
02 / AUDITABILITY
Every AI decision, defensible.
Regulators expect to see which model ran, on which data, under which policy, authorized by whom. Not a log file. A record.
03 / JURISDICTION
Local law, not foreign court.
Workloads running under CLOUD Act exposure create structural risk no compliance committee will accept permanently.
003 / Flagship

Bank Advisor. Market intelligence at prompt speed.

Built on Saptiva Studio. The first market-intelligence copilot that runs inside the bank's own perimeter — where the private data already is. Public sector data. Regulatory context. The bank's own portfolio. Three sources. One prompt.

Bank Advisor in use. A leadership prompt asks to compare cartera total across ten Mexican banks between January 2024 and January 2025, with INVEX marked in red. The right panel renders a horizontal bar chart showing portfolio variation per bank; the table below lists exact values from 23 billion MXN to 94 billion MXN.
The product · bankadvisor.saptiva.com
One prompt. Ten banks. Twelve months of market shift. The leadership asked for a cartera-total comparison across ten institutions, 2024 vs 2025 variation. The chart renders on the right. No analyst queue. No ticket. No week of waiting.
3–8Weeks of lag
Between the question the CEO asks and the market report that lands: up to eight weeks. By then the market moved. The analyst spent 70% of that time cleaning, joining, formatting. The data becomes context — never advantage.
Three sources · One context layer
01 / PUBLIC

The sector, ingested.

CNBV. Banxico. ABM. Credit bureaus. Portfolios, delinquency, rates, placement, deposits. The full public financial corpus — ingested, normalized, queryable.

02 / REGTECH

Bajaware makes it legible.

Regulatory taxonomy. Normative mapping. Live financial semantics. The context layer built by the RegTech that already serves the market — so the public data answers the questions a banker actually asks.

03 / PRIVATE

Your data never leaves.

Portfolio. Clients. Placement. Risk. Consulted in-place, with zero exfiltration. The model goes to the data, not the reverse. The bank's perimeter holds.

What the leadership asks — and gets answered, live.
Benchmarking
"Compare my credit-card portfolio against BBVA and Banorte. Last twelve months."
Sector evolution
"Mortgage portfolio evolution, 2025 vs 2024, by bank."
Risk & collection
"IMOR of the ten largest banks in the system. Flag deterioration."
004 / Use Cases

The workflows banking actually runs on.

Saptiva AI is deployed today against the highest-volume, highest-sensitivity workflows in a regulated financial institution. Each one is a Saptiva Studio application orchestrated through FrIdA under the customer's own compliance policy.

01

Credit origination and underwriting.

AI copilots that read the full application, pull supporting context, explain their recommendation, and log every step of the reasoning. Human credit officers stay in the loop. The decision is accelerated, not automated. Every recommendation is accompanied by a policy-approved rationale that compliance and audit can review.

CNBV APPROVEDHUMAN IN LOOPFULL AUDIT
02

KYC and customer onboarding.

Document extraction, identity validation, and compliance checks running on documents that never leave the jurisdiction. Exceptions route to human reviewers with structured reasoning attached. Built for the exact document types, formats, and regulatory expectations of LatAm financial institutions.

RESIDENCY ENFORCEDAML / FATFEXCEPTION ROUTING
03

Customer operations and conversational agents.

First-tier customer inquiries resolved automatically, complex cases escalated to humans with full context and conversation history attached. Compliance and tone guidelines enforced at the policy layer. Replacing first-tier call center volume is the most commonly requested initial deployment.

VOICE & CHATESCALATION LOGICFULL TRANSCRIPT
04

Regulatory reporting automation.

Structured reports prepared from transactional data, signed, and audit-ready. Removes the manual quarter-end scramble between source systems and the regulator's filing templates. The signed record, not the spreadsheet, is the deliverable.

CNBV FILINGSSIGNED OUTPUTSCHEDULED RUNS
05

Fraud monitoring and transaction review.

AI-assisted review of flagged transactions, suspicious activity reports, and pattern detection. Not an ML scoring black box — an explainable copilot that walks an analyst through the reasoning and keeps the human in the decision.

SAR PREPEXPLAINABLEANALYST ASSIST
06

Internal knowledge and policy copilots.

Private RAG systems trained on your policies, procedures, product documentation, and historical credit decisions. Role-based access, never leaves your environment, every retrieval logged. A knowledge layer that respects the information boundaries already inside the bank.

PRIVATE RAGROLE-BASEDON-PREM
005 / Reference Architecture

How a bank actually deploys Saptiva AI.

A typical deployment sits across two or three environments and is governed by a single bank-authored policy. The same policy applies whether the workload is credit, KYC, customer ops, or reporting. Change the model; the policy still holds. Change the cloud; the policy still holds.

01 · TYPICAL BANKING DEPLOYMENT TOPOLOGY
BANK WORKFLOWS FrIdA + BANK POLICY COMPUTE Credit originationSTUDIO · CREDIT KYC + onboardingSTUDIO · KYC Customer operationsSTUDIO · OPS Regulatory reportingSTUDIO · REG FrIdA BANK.POLICY · v2.4 CNBV · RESIDENT KEYS · CUSTOMER AUDIT · 7Y MODEL · APPROVED SIGNED · IMMUTABLE On-prem / MXCNBV · KYC + REG Sovereign cloudIN-COUNTRY · CREDIT Private cloud VPCOPS · NON-PII
006 / Customer

A Tier-1 Central American bank, in production today.

BANKING · CENTRAL AMERICA · ACTIVE

Largest financial group
in Central America

KYC, conversational agents, and AI-powered credit origination — replacing stalled hyperscaler pilots with deployments that finally cleared risk review.

For eighteen months before Saptiva, this bank's AI initiatives were stuck in the same loop most regulated institutions know too well — the technology could do the work, but the governance framework could not authorize it to run. Hyperscaler deployments failed residency review. Internal builds missed delivery windows. Every project became a one-off.

Saptiva AI replaced those stalled efforts with three Studio applications orchestrated through FrIdA under a single bank-authored policy. KYC document processing, conversational customer agents, and a credit origination copilot are active in production. The bank is currently evaluating the replacement of its first call center tier with Saptiva agents.

The unlock was not the model. It was the layer that made the model deployable.

Read the deployment →
007 / Get In Touch

Bring the deployment that stalled.

The pilot that failed residency. The credit copilot that couldn't clear audit. The KYC project that outgrew its hyperscaler region. If you're accountable for AI outcomes at a bank in Latin America, a Forward Deployed Engineer will respond within 48 hours.

Request a demo →