| 1. Proactive & Empathetic Debt Management Solutions |
Rising delinquency rates (Consumer NPLs +27% YoY, SME & microcredit stress). Increased debt burden. Risk-conscious borrowing. Customer perception of stigma and lack of guidance in current renegotiation. Banks bolstering provisions and tightening underwriting. Potential for AI. |
COP 32.3 trillion to COP 96.9 trillion (estimated value of the loan portfolio segments that could benefit from these solutions). Actual revenue would be a fraction of this, via fees or improved recovery. |
| 2. Hyper-Inclusive Digital Onboarding & Micro-Finance |
~40% adults unbanked/underbanked. Exclusion of rural, informal workers, migrants, women micro-entrepreneurs. Government/NGO digital wallet programs. e-KYC reliance on urban databases. Proliferation of SEDPEs/Fintechs for underserved. Daviplata success (18.5M users). |
Reaching 50% to 80% of the ~40% of Colombian adults currently unbanked or underbanked. Represents multi-millions of individuals. Revenue from micro-transactions, micro-loans, and service fees for this large user base. |
| 3. Agile & Affordable SME/Micro-Enterprise Financing |
High borrowing costs & limited long-term funding for SMEs/microenterprises. SMEs are 46% of credit stock. Collateral requirements exclude asset-light businesses. Slow appraisal times. Anticipated cheaper credit. Emergence of supply-chain finance platforms globally. |
COP 21.5 trillion to COP 53.9 trillion (estimated value of SME/microcredit loan portfolio segments that could shift to or be better served by innovative solutions). Potential to expand financing to more of the 1.7 million microenterprises. |
| 4. Unified & Personalized Omnichannel Banking |
Fragmented customer journeys, inconsistent service quality. "Service re-engineering" top 2025 bank priority. Consumer expectation of hyper-personalization. Digital-first banking mainstream. Banks signaling investment in UI/UX, data analytics. Availability of CDP/AI tech. |
18 million to 40 million bank customers (estimated number of multi-channel users). Value from enhanced loyalty, increased product adoption, and operational efficiencies. |
| 5. Trust-Centric Digital Banking for Vulnerable Users |
Cybersecurity concerns & fraud fear are barriers. Uneven digital access/literacy. New users need safety education. Customers feel unsupported post-fraud. Banks investing in biometrics but gaps in user support/education. Potential for low-bandwidth modes, telco partnerships. |
Reaching 50% to 80% of the estimated 20% to 40% of Colombian adults facing digital trust or literacy barriers in banking. Value from expanding digital user base and transaction volumes among this segment. |
| 6. Innovative Real-Time Payment Solutions & Services |
Bre-B launch (May 2025) for 24/7 instant transfers. Customer expectation of immediate credit. Business need to adapt cash management. Central bank promotion of Bre-B for inclusion/fintech. Opportunity for new cash management products. |
Vast, encompassing virtually all digital transactions and impacting multi-millions of digital banking users and businesses. Value primarily from fees for value-added services (real-time treasury, P2M/P2P services) built on Bre-B. |
| 7. Value-Added Digital Payment Ecosystems |
Shift to cashless payments, e-commerce growth. Merchants need tools beyond payment acceptance. Consumers use digital wallets, expect integrated experiences. Bank/fintech competition for interchange/fees/data. Potential for advanced merchant acquiring solutions. |
Involves a large base of digital banking users (estimated 25 million to 35 million) and a significant number of merchants. Value from integrated services like merchant analytics, loyalty, and embedded finance. |
| 8. Mainstream Sustainable Finance Products & Advisory |
Growing corporate/consumer interest in sustainability. Banks like Davivienda growing sustainable loan portfolios (e.g., COP 24.7T). Increased ESG focus. Banks signaling ESG commitment. Opportunity for green loans, ESG funds, advisory. |
COP 71.8 trillion to COP 215.4 trillion (estimated potential value of the sustainable loan portfolio). Additional value from ESG investment products and advisory services (not quantified from text). |