Bancoomeva quiere capitalizar el crecimiento fintech en Colombia con nuevo canal tecnológico
Scalo es el nuevo nodo tecnológico de Bancoomeva que ofrecerá servicios financieros vía APIs a fintechs colombianas que quieren ofrecer productos de captación y colocación de créditos. ... Leer más...
Scalo es el nuevo nodo tecnológico de Bancoomeva que ofrecerá servicios financieros vía APIs a fintechs colombianas que quieren ofrecer productos de captación y colocación de créditos. ... Leer más...
La entrada Bancoomeva quiere capitalizar el crecimiento fintech en Colombia con nuevo canal tecnológico se publicó primero en IUPANA.
En contexto
- Tema: Banca y Fintech — Banca digital, pagos, open banking y regulación financiera.
- Fuente: iupana
- Publicado: 18/09/2026
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Why it matters
Financial services has one characteristic that makes it unlike every other sector: it can fail on experience and survive, but it cannot fail on trust. That is why moves that look slow from the outside are usually prudent from the inside.
I separate what improves the customer's life from what improves the bank's margin. Sometimes they coincide, and those are the good projects. When they do not, it is worth saying so out loud in committee, because a project that only improves margin shows up in customer satisfaction sooner than people expect.
What usually goes wrong
The mistake that repeats is testing only the happy path. It gets validated that the transaction works, not that the reversal works, that duplicates are caught, that a power cut mid-operation leaves everything consistent. Those cases are ninety per cent of the real work and ten per cent of the testing.
What to watch
- How daily reconciliation is left, which is where the cases nobody modelled show up.
- What the local regulator requires and by when, because the deadline is usually the real constraint.
- How money is returned when something fails, and how fast the customer sees it.
How I read this entry
If this came into an institution, I would look at reconciliation first. Everything new in payments looks fine until the day has to balance, and that is when the cases nobody modelled appear: reversals, duplicates, half-completed transactions. That boring work decides whether the product is sustainable.
The original story is published in another language; the excerpt is quoted as the publisher delivers it and the commentary is written in English.
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Living through this in your own team?
Open the chat and tell me how you're handling it. I'm interested in comparing notes.
