The perfect combination between the traditional financial sector and technological innovations. A blend that is consolidating itself as one of the most important events with the greatest positive impact in recent years. Not only in business terms, but also in social terms. In addition to supporting their own growth, banks and fintechs play a key role in financial inclusion.
The market niche that has opened up is very powerful. The digital transformation of banking expanded the possibilities for many people to access this type of services for the first time. Accounts can be opened in just a couple of clicks anywhere in the world. Including, of course, remote locations where it did not make commercial sense to open a physical store.
There are still bills to be settled, of course. Low banking penetration rates in Latin American countries remain a constant concern. But trends indicate that as the digitization of banking services continues to advance, financial inclusion will be boosted. And, with it, a greater economic and social development of the entire region.
Emerging technologies for the financial market fintech observability

The impact of digitization on financial inclusion was clear from the pandemic in 2020. But that was just the beginning. The technology behind this revolution is progressing, evolving and creating new opportunities.
Thanks to the application of cutting-edge technologies such as generative artificial intelligence (AI), the application and launch of products and services is being streamlined. The very foundations of data architecture also play an important role in this. As they are coupled into virtually all structures of financial companies (human resources, administration, customer service), they make it possible to leave everything at the click of a button.
Internally, automation is key. It contributes to reducing time and increasing the efficiency of all processes. Good management of big data in turn contributes to the knowledge of the customer and their consumption habits. In this way, it provides patterns that make it possible to establish their needs with greater certainty.
Customer experience for financial inclusion
Consumer-facing technologies are fundamental to achieve digitalization for financial inclusion. For example, tools that improve the customer experience (CX).
These make it possible to move forward with credit studies and online approvals or make disbursements of resources in seconds. They are also useful for cross-checking information and completing queries quickly. For example, it is possible to analyze a client’s debt capacity in a short period of time.
Each of the tools that make up the world of technology and AI contribute to an efficient and secure ecosystem. The integration of different innovations, in turn, helps to improve the use and adoption of different services.
Specific tools for banks and fintechs
The number of tools that banks and fintechs could implement in their digitization journey for financial inclusion are multiple and diverse.
Microsoft’s Copilot and AWS’s Bedrock, for example, are very useful options when it comes to finding vulnerabilities in applications. They also help to enhance the app experience and functionality. They help with conversational support to answer user questions with greater certainty and agility.
Copilot plays an important role in simplifying compliance-related tasks. And, of course, to automate activities, analyze data, and produce reports in different industry-related fields.
Bedrock, meanwhile, can be a key ally in rapidly launching high-value-added generative AI applications for the business.
Conclusions
All the tools mentioned above, plus the traditional data lake architecture, are a powerful combination for the financial sector.
They facilitate the work for both companies and users and generate benefits for all parties. In particular, they continue to improve banking inclusion, so necessary for the economic and social growth and development of Latin America.
Having the support of a technological partner, such as Nubiral, is key for two reasons. First, for the companies in the banking industry to obtain the maximum value from the technology. Also, and more importantly, for them to multiply their social impact.
We look forward to hearing from you to plan together how these technologies can help you transform your business: Schedule your meeting!
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