The Future of Banking: How to Balance Technology and Humanization, according to Julián Colombo, CEO of N5
During the largest innovation congress in Latin America, held in Miami, N5 and Fintech Americas launched an exclusive podcast to explore the ideas, trends, and people who are transforming the global financial future.
In this episode, Julián Colombo, CEO and founder of N5, shares deep reflections on the future of the financial industry. He highlights the importance of human relationships in banking, the conscious application of artificial intelligence, and the critical role of financial inclusion.
Watch the full interview here:
Episode Topics and Key Insights:
1. Digital Transformation vs. Human Connection
Historically, banking digitalization has prioritized transactional processes, often neglecting the value of human advice in complex decisions like investments or mortgages. Julián argues that the sector’s future lies in a deeper integration between technology and human interaction—a vision that shapes N5’s mission.
2. Strategic Vision for Banking and N5’s Role
Traditional banks remain vital as part of complex ecosystems that cannot be fully replaced by 100% digital models. N5 positions itself as a strategic ally, leveraging deep industry expertise to enhance customer experience and improve operational efficiency.
3. Entrepreneurship Rooted in Deep Knowledge
A former executive at top-tier banks like Santander, Julián Colombo explains how he founded N5 based on his profound understanding of the financial sector. He advises that entrepreneurship requires passion, resilience, and a strong sense of purpose—since the entrepreneurial path is extremely challenging.
4. Purpose-Driven Artificial Intelligence
Colombo criticizes the “trivialization” of AI, often reduced to basic chatbots or superficial tools. He insists that AI should amplify human capabilities, empowering people to become true “commanders” of artificial intelligence, not just passive users. He also predicts that AI’s impact will be even more disruptive than the invention of the automobile.
5. Financial Inclusion as a Mission
Over 100 million people remain outside the global financial system. Colombo emphasizes financial education, technological infrastructure—such as Pix in Brazil—and smart regulation as key pillars to bridge this gap. N5 is committed to improving both access to and the efficiency of financial services, also supporting bankers in leading more fulfilling professional lives.
6. N5’s Business Model and Organizational Culture
From day one, N5 adopted a fully remote model, with talent distributed across more than 70 cities. To scale without sacrificing quality, the company built a network of top-tier strategic partners, including integrators like Capgemini. Its organizational culture is rooted in autonomy, commitment, and deep banking expertise.
7. A Unique Competitive Edge
N5’s deep specialization in the financial sector is its greatest strength. The team averages 11 years of banking experience, and the company works exclusively with financial institutions. Thanks to its highly technical and customer-centric approach, N5 has earned recognition and awards in multiple markets.
