Banking & Neobanking
Building digital banking in markets where the rules are still forming
Digital-first banks and challenger banks entering LatAm must navigate SFC licensing, open banking frameworks, instant payment rail connectivity, and AML obligations — all while moving fast enough to beat well-capitalized incumbents.
Key Challenges in LatAm
- SFC licensing pathways (SEDPE, micro-lending, full bank authorization)
- Bre-B instant payment rail and EASPBV connectivity requirements
- Open banking API contracts under Circular 004/2024
- Banco de la República account opening requirements for fintechs
- PCI-DSS applicability and certification negotiation with banking partners
- Deposit-taking thresholds and reverse solicitation doctrine for foreign operators
Banking & Neobanking
Building digital banking in markets where the rules are still forming
How We Help
From Our Research
Research & Insights
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We work with companies navigating banking & neobanking in Latin America at every stage — from initial market entry to ongoing regulatory compliance.