We design, integrate and run artificial intelligence for Ecuador's financial system.
Who to lend to, and how much.
Who will pay, and who needs more time.
Whether the person on the other side of the screen is who they say they are.
Where the next attack could come from.
When those decisions rely on loose spreadsheets and manual reviews, the cost shows up months later: in past due loans, in an impersonation nobody caught or in an audit that is hard to explain.
We connect your data, your channels and your controls into flows that decide with clear rules, keep evidence of every step and bring in a person when the case calls for it.
What looked like noise becomes an ordered queue, with an owner and evidence.
Each dot is an application, a payment or a login. Simulation with sample data
The group
Each company in the group covers a different part of the financial and insurance system, with its own team. All of them follow the same rules for traceability and data protection.
Company · Warranties and assistance
Claims checked before the store steps in.
Runs warranty and assistance programs: it validates every claim, coordinates the stores and closes the accounts for each period.
Representation · Conversational AI
Conversational AI for financial services.
International conversational AI platform for financial services, which Certia represents, integrates and supports in Ecuador.
International representation. The platform belongs to its owner; Certia sells, integrates and supports it in Ecuador.
Product · Credit verification
Credit sources, gathered in one query.
B2B credit verification: it gathers several sources into one report per national ID or tax ID, with each data point's origin and date.
Start with the one you need most. The others build on the same data and controls later, without starting over.
All capabilities
Origination and serviceServe and originate credit on every channel, with a pre-analysis built on your rules.View capability
Smart collectionsPrioritize your portfolio daily and handle each case with the right tone and timing.View capability
Identity and fraudVerify every person at onboarding and catch impersonation before disbursement.View capability
Offensive cybersecurityTest your channels the way an attacker would, and fix what exposes you most first.View capability
Data and decisionsTurn your data into indicators your committee reads on Monday and uses that day.View capability
Technology operationsHand sensitive processes to a back office that grows or shrinks with your demand.View capabilityA rural cooperative and a fintech face different risks and answer to different regulators. We start from what weighs on yours.
View all industries
BanksAutomate channels with rules your committee approves.
Credit cooperativesGrow across channels while staying close to members.
InsurersHandle claims fast and stop the suspicious ones.
FintechsGrow fast without opening gaps in fraud or risk.
TelcosMass service and SIM changes with verified identity.
RetailPoint-of-sale credit for customers with no credit file.
Public companiesHigh-volume procedures with a full record of each case.
Your operationCredit, payments or identity decided by your own rules.Let's talkEvery flow is designed with confidentiality and traceability built in, in compliance with Ecuador's Personal Data Protection Law (LOPDP).
How we protect dataRole-based access and audit logs
Data encrypted in transit and at rest
Human review of sensitive decisions
Vetted vendors under confidentiality
Four stages, each with deliverables your committee can review and approve.
We review processes, data and risks with your teams and prioritize what weighs most on portfolio, fraud or cost.
We define flows, controls and indicators, and connect to your current systems without asking you to replace them.
We switch each capability on in stages, with controlled tests, training and a rollback plan for every change.
We measure results with your committee, review deviations and adjust rules and models without stopping operations.
Practical notes on risk, fraud, collections and data in Ecuador's financial system.
Go to the blog
How can a credit union detect early delinquency sooner without losing closeness with its members?How a credit union can spot early delinquency with data it already has and reach each member on time, with the right tone and without losing closeness.Read article
Which signals reveal identity impersonation before you open an account or disburse a loan?The signals you can already detect to stop identity impersonation at onboarding and before disbursement, without making life harder for honest customers.Read article
What should a financial institution in Ecuador review under the LOPDP before automating a process with AI?What a financial institution in Ecuador should review under the LOPDP before automating with AI: legal basis, vendors, decisions and records.Read articleIt is the group led by Certia that brings together Certia Asistencias, ScoreaFácil and the representation of Gail in Ecuador. Each has its own team, and all follow the same rules for traceability and data protection.
No. Gail is an international platform with its own owner. Certia represents it in Ecuador: it sells it, integrates it with each institution's systems and supports its operation.
We work with banks, credit cooperatives, insurers, fintechs and other regulated operations of different sizes. The scope adapts to each institution's maturity, and you can start with a single process.
We integrate with your core, your channels and your existing databases. We only suggest changing a platform when the assessment shows it is the best option, and that decision is yours.
Only where you define it. Rules, limits and the cases that go to a person are agreed with your committee, and every decision is logged with its data so it can be reviewed later.
Yes. Every flow we automate is also tested from an attacker's point of view, and the findings are fixed within the same work plan, by a single team that is accountable for both.
We process data for a defined purpose, keep only what is needed and sign a processing agreement with each institution. We apply role-based access, encryption and audit logs, as detailed on our data protection page.
A first conversation to understand your operation and tell you plainly where we can help, and where we can't.
We reply during Ecuador business hours.