AI in fintech and payments in Mexico: the use case to start with and the one to defer
A support and operations agent with the brand’s voice; hardware placed on your site if it handles credit data.
High value, available data, no decisions about people
A support and operations agent with the brand’s voice, with a permissioned knowledge base of products, policies and procedures, and handoff to a person when an answer is not supported by sources.
Automated credit scoring as a first project.
What is already happening in the sector
77% of Mexican fintechs already use AI, up from 60% in 2025, and 45% use it in core processes (Finnovista, Fintech Radar Mexico 2026, 795 companies). Open finance rules remain undefined and the Bank of Mexico expects more supervision of non-bank institutions.
What the committee will review
Data the first use case touches
Products, policies and procedures. Customer data is consulted with permissions at answer time.
Regulator and obligation
The CNBV rules for financial technology institutions (Official Gazette, September 10, 2018, and amendments) require information security, third-party contracting rules, incident reporting and a compliance officer.
Who decides the purchase
Head of technology or risk, with the compliance officer.
Deployment option
C (hardware placed on your site, leased or on loan) for regulated fintechs with credit data that do not want to buy hardware; A when they do.
What fintech and payments leaders ask
Can a regulated fintech start with credit scoring?
It can, but it is not a good first project: it is an automated decision about people, with a right to object under the data protection law and oversight by Condusef. The first project starts with support and operations in the brand’s voice, and builds the evidence file that scoring will need later.
Other industries: Insurance · Financial services · Telecom and media · Auto finance
Discovery sessions, no commitment
With technology, compliance and two process owners. Includes an offline demonstration prepared for your sector, without using your company’s data.
Inventory and obligations
Data in four levels and a first review of what your sector requires.
Three candidate use cases
And the Assessment proposal. The Discovery is credited against the Assessment.
Founding clients program
Three seats, with an explicit discount in exchange for a publishable case and a reference.
Terms
Discovery and evidence pilot at no cost, Assessment at a discount, in exchange for a publishable case, a reference and feedback. Continuous operation is always paid at list price.