Executive session
Banking, Fintech and Neobanos: new financial confidence
What are the three models really different about and why do they all converge to the same standard of evidence?
Traditional banking, fintech and neobanks co-exist in the Mexican financial ecosystem but they do not operate under the same logic and face the same risks. That session starts with a question that looks simple: are they competing or converting? The answer changes everything.
Each financial model has its own risk map and the regulation follows. The banking operates under the most robust framework of CNBV and Banxico. Fintech under the Fintech Act of 2018 with obligations that escalate according to their volume. Neobanks under figure ranging from their own banking license to Banking as a Service. What they all share, without exception, is an obligation to build verifiable evidence that his KYC was run correctly.
Dr. David Merino with direct experience at Mexico's fifth GAFI review and monitoring CNBV, identifies at this session the three gaps that are repeated in the three models: an incomplete or outdated client file, an electronic signature with no evidentiary traceability and a lack of auditory evidence about the onboarding process. None of these three problems are unique to a model - and all three can be solved before an audit arrives.
The onboarding is the point where digital confidence is built or destroyed. A bad fact isn't just an experience problem - it's a legal problem. If you haven't properly checked your client's identity at that time, anything you sign after can be questioned.
Solutions JAAK for this topic
What you describe at this session, JAAK It's been solved.
Identification check with face biometrics
Valids your client's identity in seconds with biometrics, liveness detection and anti- INE/RENAPOThe file will be sealed with NOM-151 first step.
See solution →Advanced signature with probative traceability
Electronic signature with legal value NOM-151Each signed document generates evidence of identity, integrity and temporality - ready to support an audit.
See solution →What you'll learn in this session
- 1Why banking, fintech and neobanks aren't playing the same regulatory game - and what that means for each model
- 2What specific obligations each type of institution has with respect to CNBVand the Fintech Act
- 3Why onboarding became the first and most critical moment of confidence with the client
- 4What's the difference between a KYC manual and a KYC with an experimental biometric
- 5What's his KYC continuous and why an discharged check isn't good enough for your client's whole life
- 6How to detect if your file has actual evidence or only files that would have an audit
- 7What makes an onboarding generate high conversion and high protection at the same time - they are not opposite targets
Index of themes
Click a theme to expand
presenters
Dr. David Merino
Doctor of Law. Founding of Top Compliance. Vice President of World Compliance Association Mexico. Consultant at UIF, SAT and FGR. Participated in Mexico's fifth GAFI Review Round. Federal Congress Advisor on Digitization. Training by the FBI and U.S. National Security Department in digital evidence.
Arianna quezada
CEO of JAAK. 100% Mexican company specialized in digital identity, biometric monitoring, electronic signature and auditory archives with presence in fintech, real estate, automobile, credit and human resources.
Do your onboarding process generate evidence - or just complete release?
The difference between meeting and being able to prove this begins at the first step of the process. JAAK builds the digital file from the moment of onboarding.
Agenda a demo →