Minimum viable stack for a SOFIPO in Mexico.
The technical blueprint of the SOFIPOs that are actually scaling: stack by layer, reference costs, in-house vs outsourcing comparison and implementation roadmap. Built for general managers, compliance officers and CTOs who need to bring a defensible technical proposal to the board.
The mandatory layers of the regulated stack for a viable SOFIPO.
The document breaks down each layer with owners, vendor options, selection criteria, cost ranges and regulatory dependencies. Essential for building a technology roadmap that can withstand a CNBV visit.
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Layer
Digital onboarding and KYC
Biometrics, document verification, restricted lists, signed file.
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Layer
Financial core
Products, NIF accounting, reconciliation, general ledger and closes.
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Layer
AML/CFT compliance
Transactional monitoring with scoring, actionable alerts, live case files.
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Layer
Regulatory reporting
UIF (ROU/ROP/ROIP) and CNBV regulatory reports automated from the live portfolio.
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Layer
Intelligence and data
Credit scoring, regulatory dashboards and non-performing prediction.
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Layer
Customer service
AI agents, omnichannel and self-service on top of the unified file.
A PDF with the full blueprint.
- The mandatory layers of the regulated stack
- Comparison table of tech vendors (KYC, AML, core, scoring)
- Who does what: in-house vs outsourced by layer
- Realistic cost estimates and timelines
- Implementation roadmap
Prefer a personalized diagnostic? Initial diagnostic.
A working session with a senior consultant. We map the stack you already have (or the options you are evaluating), identify regulatory gaps and deliver an executive report with a near-term plan. The report stays with you, whether or not you engage us.