Banking & Finance.
Cognitive customer service, data-driven decisions, and resilient operations for banking and financial services —on top of your core, with compliance and security.
Customers demand immediate answers, regulators demand control, and fraud never rests. SUMāTO brings AI, analytics, automation, and security to your financial operation without replacing your core.
12 ways Banking & Finance leverages our portfolio.
Assisted collections
Contacts the customer who has fallen behind through the channel they answer, offers the payment options your policy allows and records the agreement in the portfolio system. The agent steps in only where there is something real to negotiate, with the history in view.
Credit file analysis
Reads payslips, financial statements and deeds, and pulls out the data the analyst needs to decide, flagging what is missing or does not add up. The analyst spends their time assessing risk, not keying figures out of a PDF.
Fraud prevention
Learns how each customer normally operates and raises an alert when something departs from that pattern: an unusual amount, hour, place or device. The alert arrives while the transaction can still be stopped, with the reason explained.
Risk and credit decisions
Combines internal history with external information to rank applications by real risk, not only by what a bureau reports. Every decision keeps the factors behind it, which is what gets asked for when it is challenged.
Customer onboarding and verification
Onboarding moves without anyone pushing it: identity documents validated, the lists the rules require checked, the full file assembled. If something does not add up it stops and alerts, leaving a record of every check.
Reconciliations and regulatory reporting
Cross-checks movements between systems, sets differences aside with their reason, and builds each regulator's report in its format and on its schedule. The close stops depending on someone staying late.
Capacity for the peak and the new channel
Payday, a sales season or a digital channel launch stop requiring infrastructure sized for the worst day of the year. Capacity follows actual movement and spend follows demand, with the controls the sector requires.
Verified access and audit evidence
Nobody has access by default: every person and device is verified at each access, and all of it is logged. When an audit or a regulator's request arrives, the evidence of who did what and when is already gathered.
A secure desktop in branch and remote
The adviser opens their desktop from the branch, from home or from a contact centre, and customer data never rests on the machine. Joiners and leavers are provisioned in minutes, which is what an operation with turnover needs.
Running and monitoring the critical systems
Core, channels and payment rails watched continuously, with incident handling and maintenance windows agreed in advance. An outage during trading hours is resolved before it reaches the branch queue.
Architecture and a modernisation roadmap
We set out where the core is modernised and in what phases, what is integrated and what is left stable. The output is a plan the committee can approve, with the cost and risk of each stage visible.
What to modernise first, using the bank's own figures
We measure the real state of process, data, platform and governance before budget is committed, with the baseline taken from your systems. It ends with opportunities ordered by what they save and what they demand, and with what is better left for later.
Anti-money-laundering monitoring
Segments customers by actual risk rather than by product type, watches activity against that profile, and documents every alert with its outcome. The compliance officer reviews prioritised cases instead of emptying a queue of name matches.
Instant payments and their reconciliation
Immediate payment schemes move volume outside banking hours and their reconciliation does not wait for close. It automates matching against the scheme, classifies rejections by cause, and keeps refunds inside the window the regulation requires.
Continuous evidence for the supervisor
Regulatory reporting and control evidence are assembled today against the deadline. Gathering them continuously turns a review into a query, and stops it depending on two people remembering where each supporting document was.
How we ensure results in Banking & Finance.
Start with an assessment
Diagnose first and invest after: what is missing, what is urgent, and what it costs.
Build on what you already have
We work on your current systems, without replacing them.
Prioritize by impact
We rank the cases by what they save and by how easy they are to put in place.
Protected data, clear rules
Who can see what, a record of every access, and limits set from the start.
A person has the last word
Technology does the repetitive work; what needs judgment stays with your team.
Measure and improve
Indicators your committee reviews, so you can correct as you go.
The method we deliver with.
Diagnosis, strategy, execution, and resilience, applied to your industry's context.
Diagnosis (Assessments)
We evaluate readiness, maturity, and risk before we begin — see assessments.
Strategy & Architecture
IT strategic planning and enterprise architecture with TOGAF — learn more.
Project execution
PMI, Scrum, and Design Thinking depending on the challenge — agile projects.
Resilience
Continuity and recovery with DRP and BCP — see continuity.
Experience that spans industries.
We have delivered across very different sectors —banking, government, healthcare, telco, retail, energy— and that cross-industry learning accelerates every project and reduces its risk.
Mission-critical operations in LATAM
Experience in regulated, highly complex sectors.
The best technology for your case
We integrate our own software and our partners'; we do not tie you to one vendor.
We answer for the outcome
From strategy to 24/7 operations, a single firm is accountable.
AI, data, automation, and security
Capabilities that combine to fit what each industry needs.
What we learn in one sector serves another
What works in banking or telco accelerates healthcare, retail, or government.
Without replacing your systems
It protects your investment and reduces the risk of every project.
What Banking & Finance teams usually ask.
How can AI improve customer service at a bank without losing control?+
At SUMāTO we design conversational experiences that handle common inquiries, guide transactions, and escalate to a human advisor when the case requires it, always with traceability. We combine intelligent workflows with process automation in the back office to reduce response times. Analytics on every interaction let you understand customer intent and refine service continuously and under governance.
What approach do you take to fraud prevention in financial operations?+
We address fraud by combining business rules with analytics models that detect anomalous patterns in real time and prioritize alerts by risk. We integrate these signals with your transactional systems and with cybersecurity controls to act before the transaction settles. The goal is to reduce false positives, protect the end customer, and sustain trust across every channel of your institution.
How do you help meet the sector's regulatory and audit requirements?+
We start from an enterprise architecture that organizes data, processes, and controls so that compliance is verifiable rather than a manual burden. We record traces, evidence, and access logs that streamline reporting to regulators and internal audits. Our team works alongside your risk and compliance areas to translate current regulation into concrete, documented operational controls that are sustainable over time.
What does ensuring operational continuity of financial services involve?+
Continuity requires that your services remain available in the face of failures, attacks, or disasters. With Continuity & DR (DRaaS) we establish disaster recovery and data replication that reduce downtime. We define recovery objectives per service, test the plans periodically, and monitor the state of the infrastructure, so your institution responds in an orderly way to incidents and protects the operations of customers and partners.
How do you strengthen cybersecurity against today's sector threats?+
We treat cybersecurity as an ongoing practice: we assess your posture, harden configurations, manage identities, and monitor threats continuously. We align these controls with your risk strategy and regulatory requirements, so protection covers every channel and application. At SUMāTO we prioritize measures by business impact, to invest where it truly reduces exposure and protects your customers' information.
Where should banking core modernization begin?+
We recommend evolving the core in stages, avoiding full replacements that raise risk. With a clear enterprise architecture we decouple services, expose capabilities through interfaces, and modernize the highest-value areas first. Our AI Contact Center engagement model integrates consulting and technology in a single point of accountability, so your institution moves forward with visibility, without disrupting daily operations.
How we solve for Banking & Finance.
The capabilities with the most traction in this sector, and why.
Cybersecurity
high regulatory demands and fraud as a permanent threat, with an audit trail you must be able to prove.
Artificial Intelligence
fraud detection, credit scoring and automation of regulated processes.
Data & Analytics
risk, regulatory compliance and true profitability per client and product.
Automation (RPA)
onboarding, reconciliations and regulatory reporting that today consume entire teams.
Cybersecurity Assessment
In banking an incident is never just technical: it's regulatory and reputational. The assessment evaluates your posture against recognized frameworks and ranks gaps by real business risk.
Banking & Finance, in depth.
- WannaCry: lessons from the new era of ransomware — why patching is still the first line of defense.
- Data privacy and governance — what the new regulatory era demands.
- BPM vs. RPA: the difference and when to use each — the mistake of choosing the tool before the problem.
Let's bring this to your Banking & Finance operation.
Schedule a 90-minute assessment and we'll prioritize the highest-impact use cases for your organization.
Schedule an assessment (90 min) →