Banking & Fintech

It's not the core that stops your bank. It's everything around it.

Opening accounts, verifying identities, moving payments and meeting regulatory demands all depend on dozens of integrations around the core. That is where we work: making everything around it reliable, traceable and auditable.

Let's talk about your case

Prefer email? Write to us at hola@habil.mx

Trusted by organizations where continuity and security are non-negotiable

  • BanCoppel
  • Zurich
  • Allianz
  • GNP Seguros
  • MetLife
  • Costco
  • Seguros Multiva
  • Aserta
  • Bx+
  • Veolia
  • Truper
  • Argos

A poorly built banking integration doesn't crash: it becomes an audit finding

It responds correctly, stores the wrong data, and no one notices until the regulator's review or a customer complaint. That is why we work in the layer that connects the core to channels, payments and identity — and we don't sell any of those pieces.

Symptoms your operation already recognizes

Each symptom hurts one department first.

  • “Opening an account takes days.”

    Documents sent by email, manual data entry and checks that depend on one person.

    Salescustomers who leave before they finish.

  • “We don't know why we rejected that customer.”

    Rules scattered across several systems, with no trail of the decision.

    Compliancea complaint that cannot be explained with evidence.

  • “The charge went through twice.”

    Retries that create duplicates and reconciliations balanced by hand.

    Financerefunds, chargebacks and closings that get reopened.

  • “Every channel asks for its own password.”

    Portals, apps and vendors with separate logins.

    Technologysecurity risk and support that doesn't scale.

  • “No one dares to touch that interface.”

    Untested legacy integrations holding up critical processes.

    Executive managementevery regulatory change turns into a months-long project.

Why now?

Requirements for identity verification, data protection and traceability keep rising, and each one lands on the same integrations.

What we offer

  • Branchless account opening.

    Your customer opens an account from their phone: we confirm they are a real person, match their face against their ID and validate their data against official sources such as Mexico's national electoral ID registry (INE) and population registry (RENAPO). Doubtful cases are handed to a person.

  • Decisions that explain themselves.

    Every approval or rejection comes with its reason and the rule that produced it, ready for the customer, for Compliance and for the regulator.

  • Reconciled payments.

    Collections and direct debit with automatic reconciliation: every retry is identified before charging again, and exceptions reach your team before they become a complaint.

  • One access.

    Your customers and your people sign in with a single identity across all your channels, with control kept in your security team.

  • Legacy, in stages.

    The interfaces no one dares to touch move to a layer with tests and a full trail, without shutting down operations.

  • AI under control.

    The AI you already pay for, or one that runs on your own infrastructure, connected to your operations with permissions, rules and human review.    Hábil AI

Further reading

How we work

In stages, with operations running. First we measure what each integration does today; then we replace one segment at a time, and each segment is tested before it replaces the previous one, with an agreed rollback. Operations keep running.

What we've already built

  • Digital customer onboarding at a bank

    reading the official ID, face matching, a one-time code and an online check against the official identity registry.

  • Second-factor authentication by voice call

    for customers who don't receive text messages.

  • Disputes over unrecognized charges, under a regulatory deadline

    a portal that brings together in a single request the evidence spread across live systems and historical backups, with a log of every lookup.

  • Seven years running a bank's cloud

    with a private link to its data center, then handing it over in good order to its internal team.

  • Releases with security by design

    build and deployment pipelines with security scanning and signing of every artifact, handed over fully documented.

  • Foreign exchange and remittances at the price agreed on the spot.

    A financial company sold remittances and foreign currency from its CRM and, separately, bought currency in large volumes; its margin was the difference between the two. We built the middleware that carried each transaction between the CRM and the currency-purchasing system, with the live exchange rate to lock in the price at the moment of sale.

  • Intelyvale

    single sign-on to the voucher portal with a client's corporate account.
    See the case

  • A financial institution had to prove to the banking regulator that its technology was compliant. We audited its transaction core, its anti-money-laundering controls and its disaster recovery, and we led the technical side during the certification visits. The regulator accredited it, and our support continued for another year.

The assessment, at two levels

  1. First conversation, at no cost.

    A map of the integrations around your core and the three points where you are most likely losing time, money or traceability.

  2. In-depth assessment, with an agreed scope.

    Which regulatory and operational risks to address first, and a staged roadmap.

Who reviews your assessment: We work with a small number of clients at a time: whoever reviews your assessment stays with your project to the end.

Frequently asked questions

Do you replace our core banking system?
No. We work around it — whether your core is Temenos, FLEXCUBE, Bantotal, Topaz or another — so that channels, payments and identity connect with a clear trail.
How do you handle what Mexico's banking regulator (CNBV) requires?
We design every integration to leave the evidence your Compliance team needs. The account tier and the requirements of your operation are reviewed in the assessment.
Can you work with the vendor we already have?
Yes. We first measure what each integration does today, regardless of who built it.
Do we need to stop operations?
No. The work is done in stages, with operations running.

Start by finding out what is holding your operations back

Message us on WhatsApp and tell us which systems surround your core.

Let's talk about your case

Prefer email? Write to us at hola@habil.mx

Do the digital onboarding and the access of your customers and employees need a single control?

Control who has access

Products and pricing through configuration

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