Fintech Engineering in LATAM
Dedicated teams in Chile and LATAM for credit scoring, payments, BNPL, digital banking, and investment platforms. PCI-DSS compliance, US timezone overlap, regulatory expertise.
Why fintech chooses 23people
Financial institutions and fintechs can't afford slow teams, poor communication, or non-compliance. We operate with 1.6+ year average tenure, 85 eNPS, and 90 client NPS — and our team speaks the language of regulators, auditors, and technical stakeholders.
Fintech Engineering in LATAM: PCI-DSS Compliance, Credit Scoring & Financial APIs
Fintech engineering in LATAM demands three capabilities that rarely coexist in a single vendor: delivery speed, regulatory depth, and sub-second architecture. At 23people we operate on all three, with Chile-based teams that overlap US East Coast hours.
Our work in PCI-DSS compliance and regulatory development is built to survive audits. Every financial APIs implementation in Chile ships with segregation of duties from design, traceable audit evidence, and coverage of Chile's Ley 21.719 and regional equivalents. It cuts dependency on external consultants at every review cycle.
For credit scoring and risk platforms, we build APIs with sub-second latency, integrations with bureaus (Equifax, TransUnion, DICOM), and auditable data pipelines. Models ship with versioned feature stores and drift monitoring — not as notebooks that survive a single team.
If your fintech faces compliance debt, slow time-to-market from fragile integrations, or cloud costs eroding margins, we can help from Enterprise Integrations, Cloud Optimization, or Legacy Modernization.
External audits at 23people have validated financial integrations running at 99.8% uptime in production across full compliance cycles. Operational continuity — not the pitch — is the difference between a team that ships APIs and one that keeps them running in production.
Challenges we solve
Real-time credit scoring
Sub-second-latency scoring APIs, bureau integrations (Equifax, TransUnion), data pipelines, and auditable risk models.
PCI-DSS and regulatory compliance
Implementations compliant with PCI-DSS, Chile's Ley 21.719, and regional equivalents. Traceable audit evidence and segregation of duties from design.
Payments and transactions
Acquirer integration, payment gateways, card networks (Visa, Mastercard), PIX, SPEI, Webpay. Automated reconciliation and reliable settlement.
Digital banking and onboarding
Mobile apps, digital KYC, biometric auth, frictionless onboarding. User experience that meets regulation without sacrificing conversion.
Services for Fintech
Four service lines adapted to the state of your financial platform.
Financial integrations
We connect bureaus, core banking systems, payment gateways, and anti-fraud systems. Robust APIs with circuit breakers, retries, and observability.
Learn about IntegrationsPlatform modernization
We migrate legacy monoliths to cloud-native architectures incrementally — without pausing operations or missing a regulatory audit.
Learn about Legacy ModernizationCloud optimization
We cut cloud costs 7% to 15% without impacting performance — critical for fintechs running low-latency infrastructure.
Learn about Cloud OptimizationAI Engineering Training
We train your engineering team on your own repository, in a cohort format, with before/after metrics. For teams already using AI but lacking a consistent methodology.
Learn about AI Engineering TrainingFintech results
Equifax Chile
Modernizing the Platinum 360 Reporting Platform
We modernized a legacy credit reporting platform through agile sprint delivery, maintaining 100% uptime in production.
View full caseEquifax USA
Scaling the Santiago Technology Hub
From 2 to 6+ agile teams and 50+ professionals in under a year, managing credit scoring API integrations.
View full caseDoes your fintech need to scale technical teams?
Let's talk for 30 minutes about your roadmap. No pitch — we listen and tell you if we can help.