CURRENT THESIS

AI does not fix a bad
operating model.
It makes it faster.

Models, decisions and applied technology connected to measurable business outcomes.

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Bee in flight as a metaphor for systems, coordination and execution
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Latest thinking

Microcredit field relationship in a rural Latin American setting

MICROCREDIT

Where does the product actually make money?

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Contactless card payment representing credit card economics

CREDIT CARDS

What really moves issuer profitability?

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Vehicle on a mountain road representing vehicle finance

VEHICLE FINANCE

When does more origination become more risk?

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Connected financial network representing API economics

API ECONOMICS

What is an API actually worth?

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FEATURED MODEL

Microcredit Operating Model

From field reality to unit economics, operating decisions and P&L impact.

01Product economics.
02Operating decisions.
03Financial impact.
Open simulator →
Microcredit advisor and client in a rural productive setting

FROM FIELD TO FINANCIAL IMPACT

01
Field reality
02
Operating model
03
Financial impact

SIMULATOR / ILLUSTRATIVE SCENARIO

Yield

28.4%

Cost / loan

−12.7%

PBT impact

+18.3%

APPLIED AI

What changes when AI stops assisting and starts executing?

The operating question begins where recommendation becomes action.

Explore AI agents →
Executive observing an AI agent and decision architecture

INSIGHT IN 90 SECONDS

The hardest number is not modernization cost. It is the cost of keeping.

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Strategist facing a digital and economic architecture

OBSOLESCENCE → COST → CAPITAL → DECISION

“Technology changes fast. Economics endures. Design for the latter.— José Ñáñez

Recent work

AUG 31

Mortgage Operating Model

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AUG 27

Clients & products per employee

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AUG 26

API Monetization Model

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AUG 24

Governance for AI in regulated environments

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