Connect. Unlock. Transform

Financial Business to Scale up,

with Bank DNA & Fintech agility.

IKIEXPERTS, is a strategic partner that unlocks value and transforms potential into measurable, concrete results

We integrate global hands-on expertise in banking, fintech, and technology to activate new capabilities.

We drive solutions with tangible impact for people and financial institutions across Latin America.

Our Products

New Financial Business

We identify local opportunities, apply global benchmarks, and build flexible businesses.

Business Optimization

We unlock the latent value of operations to accelerate business transformation, aligning segment, product, channel, and BSC.

Ecosystems

We orchestrate the implementation of omnichannel ecosystems: we enrich data and connect B2B partners.

Credit Risk, Collection & Intelligent Scores

We design and implement end-to-end digital risk and collections strategies, as well as Scores-as-a-Service solutions powered by machine learning and artificial intelligence.

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We develop solutions tailored to the vision, timing, and strategic capabilities of the financial institution.

Productos

Our services

We operate with a fractional, modular, and adaptive model, led by a senior business executive who ensures end-to-end execution, under a Banking Team-as-a-Service approach.

Design

We identify and co-design business cases with actionable strategies and clear roadmaps.

Implementation

Conectamos directivos con tecnología aplicada: diseñamos momentos y eventos ad-hoc, alineados al contexto del negocio.

Academy

We co-operate businesses according to the roadmap, orchestrating B2B partners to scale efficiently

Servicios

Equipo

Leadership

“Global, multidisciplinary, and hands-on teams with real experience in banking, fintech, and technology.”

José Espiritu

Managing Partner - Founder
New Business Development & Financial Structuring

Expert in leading modernization portfolios (US$600M) and fintech partnerships. Leadership roles in digital banking, strategy, finance, corporate banking, and risk management for Scotiabank Group (Mexico & Peru)

Erika Postel

Partner & Principal – Operating Model, Compliance & Customer Lifecycle

Global expert in leading transformation projects for Scotiabank. Implemented ecosystems for retail banking and compliance models across Canada, LATAM, and the Caribbean.

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Ana Jacobo

Partner – Credit Risk & Collections Strategy & AI Implementation

Digital risk and collections executive with a strong performance track record at AT&T and Scotiabank. Led data science and generative AI initiatives to increase market share, reduce delinquency, and optimize cost efficiency.

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Carlos Salazar

Strategic Technology Advisor to Financial Institutions / Fractional CTO

Expert in leading IT project implementations. At Tata Consulting, he served as Head of Delivery for infrastructure, operations, and IT services projects. At Credicorp, he managed IT outsourcing projects totaling USD 150M.

Ariadna Cuesta

Digital Marketing / Commercial Distribution Advisor

Expert in the creation and operation of retail financial products, as well as distribution strategy across physical and digital channels. Strategic roles at Toyota, BMW, Ford, General Motors, Mastercard, and AMEX in Mexico and LATAM.

Rafael Ramo

Data Science & ML / Scores as a Service Advisor

Fintech expert in credit risk and fraud, with models that impacted 100 million users across LATAM. Executive roles implementing data science areas for fintechs and hi-tech companies such as Clara and Bemobi.