{"id":13877,"date":"2025-04-16T10:57:32","date_gmt":"2025-04-16T13:57:32","guid":{"rendered":"https:\/\/blog.n5now.com\/fintalks-powered-by-n5-entrevista-con-laercio-fogaca-de-mambu\/"},"modified":"2025-04-16T11:05:19","modified_gmt":"2025-04-16T14:05:19","slug":"fintalks-powered-by-n5-entrevista-con-laercio-fogaca-de-mambu","status":"publish","type":"post","link":"https:\/\/blog.n5now.com\/en\/fintalks-powered-by-n5-entrevista-con-laercio-fogaca-de-mambu\/","title":{"rendered":"FinTalks powered by N5: Interview with Laercio Foga\u00e7a from Mambu"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Perspectives on how cloud computing, artificial intelligence, and Open Banking are redefining the future of the financial industry.<\/h2>\n\n\n\n<p>During the largest financial innovation congress in Latin America, held in Miami, N5 \u2014 in collaboration with Fintech Americas \u2014 produced an exclusive episode of the FinTalks podcast. The goal: to explore the ideas, trends, and people transforming the global financial future.<\/p>\n\n\n\n<p>In this episode, we speak with Laercio Foga\u00e7a, Director of Solution Engineering at Mambu, who shares his perspective on the true drivers of digital transformation in banking. According to him, it\u2019s more than just technology \u2014 it\u2019s a strategic journey. It\u2019s about understanding how each advancement \u2014 from cloud computing to artificial intelligence and Open Banking \u2014 can create real value for both customers and institutions. And those who can navigate this new landscape with foresight will undoubtedly take the lead.<\/p>\n\n\n\n<p>Watch the full interview now:<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"FinTalks Powered by N5. Hoy, Laercio Fogaca, Solution Engineering Director en Mambu!\" width=\"696\" height=\"392\" src=\"https:\/\/www.youtube.com\/embed\/H2X1V6YHio0?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><strong>1. The challenges of traditional banking<\/strong><br>One of the biggest obstacles to digital transformation in banking is technological legacy. Old, monolithic systems hinder the adoption of emerging technologies like artificial intelligence and prevent real-time operations. This rigidity makes innovation difficult, increases operational costs, and significantly affects the customer experience.<\/p>\n\n\n\n<p><strong>2. Modern architectures and value generation<\/strong><br>Modernizing tech architecture is not just a technical task \u2014 it&#8217;s a strategy focused on business outcomes. Foga\u00e7a emphasizes that the goal is to make banks more agile, efficient, and personalized. Tech transformation only makes sense when it results in concrete benefits for customers and tangible value for daily operations.<\/p>\n\n\n\n<p><strong>3. Cloud and AI: What\u2019s next<\/strong><br>&nbsp;Cloud adoption has already become a foundational step in banking digitalization. The next phase \u2014 already underway \u2014 is the widespread integration of artificial intelligence. However, to unleash AI\u2019s full potential, real-time data is essential. Without it, AI\u2019s ability to improve customer experiences and support decision-making becomes limited.<\/p>\n\n\n\n<p><strong>4. Real-life impact of modernization<\/strong><\/p>\n\n\n\n<p>Foga\u00e7a shares real examples of how a modern banking core transforms operations. In legacy systems, changing a customer\u2019s status from \u201cSilver\u201d to \u201cGold\u201d could take hours or even days. With a modern architecture, the change happens instantly, directly enhancing the user experience. Fraud prevention and credit duplication can also be avoided, thanks to integration with decision engines and Open Banking platforms.<\/p>\n\n\n\n<p><strong>5. Open Banking in Latin America<\/strong><br>Brazil leads the region with an Open Banking model inspired by the UK system. Countries like Chile, Colombia, and Argentina are also making rapid progress. The expectation is for future regional convergence that will scale the fintech ecosystem across Latin America, enabling greater interoperability among national financial systems.<\/p>\n\n\n\n<p><strong>6. Measuring technological success<\/strong><br>According to Foga\u00e7a, the success of a digital transformation should not be measured by the technology itself, but by its real impact on business. Improvements in customer experience, increased profitability, service personalization, and meeting goals within time and budget \u2014 these are the true indicators. Architecture is just the means; what matters is the final result.<\/p>\n\n\n\n<p><strong>7. Advice for industry professionals<\/strong><br>For those working \u2014 or aiming to work \u2014 in financial services innovation, Foga\u00e7a recommends studying both the technology and the business it supports. Real value is generated when technical knowledge is paired with a deep understanding of how each solution impacts the end customer.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Discover insights from Laercio Foga\u00e7a of Mambu on digital transformation, artificial intelligence, and Open Banking \u2014 the cornerstones of a new era in financial innovation.<\/p>\n","protected":false},"author":2,"featured_media":13890,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[217],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.n5now.com\/en\/wp-json\/wp\/v2\/posts\/13877"}],"collection":[{"href":"https:\/\/blog.n5now.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.n5now.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.n5now.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.n5now.com\/en\/wp-json\/wp\/v2\/comments?post=13877"}],"version-history":[{"count":2,"href":"https:\/\/blog.n5now.com\/en\/wp-json\/wp\/v2\/posts\/13877\/revisions"}],"predecessor-version":[{"id":13884,"href":"https:\/\/blog.n5now.com\/en\/wp-json\/wp\/v2\/posts\/13877\/revisions\/13884"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.n5now.com\/en\/wp-json\/wp\/v2\/media\/13890"}],"wp:attachment":[{"href":"https:\/\/blog.n5now.com\/en\/wp-json\/wp\/v2\/media?parent=13877"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.n5now.com\/en\/wp-json\/wp\/v2\/categories?post=13877"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.n5now.com\/en\/wp-json\/wp\/v2\/tags?post=13877"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}