Banking is no longer defined by a branch, but by the customer experience. AI will free it from its traditional limits,” said Julián Colombo, CEO of N5
N5 defines itself as the software factory built for the financial industry—available to all. It offers clients comprehensive expertise, data security, real-time big data processing, and multichannel management for financial businesses.
We spoke with Julián Colombo, CEO of N5, during his visit to Argentina. Although Argentine himself, he lives in Brazil and leads the company from there.
We asked him about employment and the impact of AI.
JC: I don’t believe AI will eliminate jobs. What will disappear are specific tasks, and that will unleash true human potential. Regarding the future of employment in the industry, the new financial professionals will be “artificial intelligence supervisors”—people who understand both the customer and the algorithm equally well.
At N5, we see every day how our teams accomplish more, better, and faster thanks to intelligent tools. Today, the company has 323 employees supporting our clients. Argentina is one of the main countries in terms of talent. Many Argentinians don’t live in the country—they are in Spain, Venezuela, Brazil… like me, I’m Argentine but I live in São Paulo.
How do N5’s AI tools support the financial sector?
N5 is an Argentine-born fintech with a global presence, developing artificial intelligence (AI) solutions.
“Humans are seen as commanders of artificial intelligence,” says Colombo. “So, the role we foresee for many people currently working with banking clients is to supervise autonomous AIs. These will eventually become indistinguishable from human interactions—though today they’re not yet there. We’re working on it. We’re advancing in parallel, and we’ll converge—like Napoleon’s five-column strategy: we must arrive at the battle together, on the same day and at the same time, but via different routes to ensure positioning and process speed.”
We’ve developed:
- Alfred, a productivity assistant;
- PEP, which trains financial teams through simulations of real customer conversations, including emotional or complex claims—it enables learning in hours what used to take weeks, acting as a virtual coach that replicates top performers;
- and Singular, a real-time data analysis engine.
All are designed to tackle the current challenges of banks and insurers: from customer service to multichannel management and regulatory compliance.
“Banking is no longer defined by a branch, but by the customer experience. And today, that experience is only made possible through AI that is genuinely integrated and useful—not just futuristic promises.”
In a world where AI is advancing at breakneck speed, the financial sector is facing one of its greatest challenges and opportunities in decades.
Will N5 acquire companies in Argentina or follow the partner model used in other markets?
JC: This company builds software for banks because that’s what I know. I’ve developed very specific knowledge over the past 30 years—knowledge that’s hard to come by.
So, the idea of buying a company and making it work better myself feels unnatural.
Instead of growing through acquisitions, N5 has chosen a model based on strategic partnerships with major implementers, such as EY and Capgemini.
“I don’t believe in buying companies because one believes they are ‘better’. I believe in adding capabilities without friction. That’s what gave us speed, focus, and scalability.”
Colombo also revealed that N5 is finalizing a partnership with a local company in Argentina.
What’s changing in the financial sector with AI?
According to Colombo, N5’s model is based on replicating the precision, speed, and scalability of technology without losing deep business understanding.
He sums up his vision with a phrase:
“AI is not going to replace banking—it’s going to free it from its traditional limits.”
The transformation is complete. AI allows banking to stop being a physical building and become a fluid, predictive, and personalized experience. Today, it’s possible to anticipate needs, respond in real time, create new products and services, and automate processes—without sacrificing quality.
