Industries

AI for financial services:
from origination to portfolio.

Ditempo's founding team has spent more than 20 years in Colombian financial services. We automate the credit cycle end to end — origination, disbursement and portfolio — speaking the regulator's language.

Where we intervene

The credit cycle,
without dead time.

Origination

Complete, validated files before they reach the analyst.

  • Intake and classification of applicant documents
  • Statement and payslip extraction for payment capacity
  • Documentary identity validation (KYC)
  • Automatic requests for missing documents
  • Cycle acceleration — 4x pilot underway

Disbursements

The communication arrives in minutes, not days.

  • Automatic generation of post-disbursement letters and communications
  • From 1–3 business days to minutes in customer delivery
  • Complete, traceable disbursement documentation

Portfolio

Collections prioritized by data, not by arrival order.

  • Classification of portfolio email: payment requests, agreements, inquiries
  • Prioritization by status and risk
  • Automatic inputs for reports
Real results

Related case studies

In productionFinancial institution — disbursements

Post-disbursement welcome letters: from 8 hours a week to 30 minutes

A financial institution automated post-disbursement welcome letters: from 8 person-hours a week to 30 minutes, with delivery in minutes instead of days.

8 h → 30 minweekly team effort1–3 days → 1–120 minletter delivery to the customer
Read the case
In validationFinancial institution — credit origination

AI payment capacity analysis: from days to minutes

Concept under validation: AI extraction of bank statements and pay stubs to analyze payment capacity before the file reaches the analyst.

Days → minutesdocumentary payment capacity analysis100%files with supporting documents validated before the analyst
Read the case
In validationRegulated entity — compliance

Regulatory reporting: inputs ready in hours, not days

Concept under validation: automatic preparation of inputs for regulatory reports, with cross-source consistency checks and data traceability.

Days → hoursinput preparation per report100%data with a traceable source
Read the case
See all case studies
FAQ

What we get asked
before starting

Does the solution comply with sector regulation?

We work with full traceability and validations aligned to regulated processes (KYC, SARLAFT). The diagnosis includes mapping the regulatory requirements of the process being automated.

Does it integrate with our core banking system?

Yes, via API, and where the core has constraints we work in stages: classification, extraction and validation run outside and deliver ready data to the core.

What does the 4x acceleration mean?

It's the projection of the ongoing pilot on the credit origination cycle: the time from application to decision-ready file. We'll publish the final measured figure when the pilot closes.

Your operation has dormant time.
Let's wake it up.

Book an initial diagnostic. We leave the meeting with at least one concrete improvement opportunity identified.