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MIBOLSILLO · FOUNDER CASE STUDY

From personal finance to financial access.

Built MiBolsillo from 0→1 as a consumer fintech product, combining personal financial management, connected financial data, and a marketplace of third-party financial services — later extending the model into white-label experiences for financial institutions.

Founder · B2C Fintech · Open Finance · Marketplace · LATAM

Co-Founder & CEO · May 2019 – Dec 2023 · Techstars '21 · Delaware / Latin America

MiBolsillo financial-advisor experience showing a savings goal, a financial tip and an advisor prompt.
MiBolsillo financial-advisor experience

Financial access starts with understanding the customer.

MiBolsillo began with a simple premise: helping people understand their financial lives could also create a better path to relevant financial products. The product combined personal financial management with connected financial data and access to third-party financial services.

From financial context to financial access.

Personal financial management screen showing available balance, income, expenses, monthly spending categories and recent transactions.

01 — UNDERSTAND

Personal financial management

MiBolsillo white-label marketplace showing loans, prepaid cards, investments and insurance.

02 — DISCOVER

Financial-services marketplace

Open Finance account connection screen with a bank search and financial institution choices.

03 — CONNECT

Open Finance data

Product capabilities illustrated through the MiBolsillo white-label experience.

Turning financial data into personalized journeys.

continuous loop↺01 CONNECT02 UNDERSTAND03 PERSONALIZE04 MATCH05 ACCESS06 LEARNCredit dataUser-provided dataBank-account dataOpen Finance data
  1. 01

    CONNECT

    Financial accounts + user inputs + financial context

  2. 02

    UNDERSTAND

    Build a richer financial profile

  3. 03

    PERSONALIZE

    Translate financial context into relevant journeys

  4. 04

    MATCH

    Identify relevant financial products

  5. 05

    ACCESS

    Connect users with third-party financial providers

  6. 06

    LEARN

    New behavior and financial data improve future context

From consumer product to embedded financial experience.

  1. CONSUMER PFM

    Understand personal finances

  2. FINANCIAL DATA

    Connected accounts + financial context

  3. MARKETPLACE

    Access third-party financial services

  4. WHITE-LABEL

    Financial institutions deliver the experience to their customers

Taking the model beyond the consumer app.

The same product logic was later extended into white-label experiences, allowing financial institutions to offer personal-finance and financial-services journeys through their own customer relationships.

MiBolsillo white-label financial health screen with upcoming payments and a personalized motorcycle credit offer.
Financial health and personalized offers
Loan simulation result with an invitation to share bank data through Open Finance.
Credit journey connected to Open Finance
Successful financial-data sharing confirmation with an option to view credit offers.
Better financial services offers

What I owned.

PRODUCT

0→1 product strategy, customer experience, roadmap, and evolution of the platform.

BUSINESS MODEL

Connecting financial engagement with a marketplace of third-party financial services.

PLATFORM

Financial-data aggregation, Open Finance integrations, and white-label product evolution.

SCALE

Building and expanding the product across Latin American markets.

Also: fundraising and partnerships, growth, monetization, and operations — from early discovery through product-market fit, multi-country expansion, and acquisition. Head of Product as well as Co-Founder & CEO.

Outcomes

500K+

USERS

+25%

ACCESS TO CREDIT

Alternative underwriting on financial and behavioral data, not only traditional credit bureaus.

~1/3

ACQUISITION COST

About a third of the acquisition cost of traditional channels.

5

LATAM MARKETS

Scaled across five Latin American markets.

Techstars 2021 · reached break-even · then acquired.

What came next.

MiBolsillo revealed a broader opportunity: the same combination of financial data, contextual journeys, and access to financial products could become infrastructure for financial institutions themselves.

MIBOLSILLO

Consumer financial experience

CONECTA PRO

Institutional financial-journey platform

What I learned.

START WITH THE CUSTOMER'S FINANCIAL CONTEXT

Relevant financial products become easier to surface when the product understands what the customer is trying to accomplish.

DATA SHOULD REMOVE WORK

Connected financial data matters when it reduces friction, improves context, or makes the next action easier.

PRODUCT AND BUSINESS MODEL CAN EVOLVE TOGETHER

What began as a consumer financial-management experience eventually revealed opportunities for marketplaces and institutional distribution.