Real-Time Decision Engine
The Real-Time Decision Engine (RTD) is a technology built exclusively for the banking sector. It interprets the customer’s transactional context in real time and automatically activates the next best action at the right moment and with the right relevance. Whether it is a product recommendation or a security alert, the communication is always useful and valuable for the customer.
Trusted by Banks
Real-Time Decision Engine
Turn every transaction into a decision
Our engine is built on an Event-Driven Architecture (EDA) that interprets and transforms transactional events into automated decisions 0.0x seconds. A single rules engine centralizes all notifications and optimizes the bank’s communications.
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Next Best Action (NBA) at the exact moment
Act proactively in 0.0x seconds based on transactional events and execute the next best action at the right moment — whether it’s a contextual offer or a security verification.
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Geolocation and hyper-personalization
Make decisions based on the customer’s profile, financial activity, and geolocation during the transaction, activating relevant communications through the most appropriate and available channel.
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Autonomy for business teams
Provide banks with the autonomy to implement NBAs that drive conversion, reducing the workload on technical teams, accelerating time-to-market, and optimizing resources.
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Transform the bank–customer relationship
Customers value and appreciate communications that deliver real value. Spam creates distance; relevant content builds trust and loyalty.
The moment your bank can make the right decision — or miss the opportunity.
Send hyper-personalized communications
Optimize your time-to-market and save resources
Transform the customer experience
Trabajan con nosotros
“A positive service experience is at the core of the relationship we are building with our customers. Every touchpoint with them is some sort of moment of truth, so each and every message we send is of capital importance Being accurate in these communications will help us to strengthen the relationship with our clients, as well as to develop a positive service experience that becomes a competitive advantage for the bank”
Carlos Marcuello
CIO
“Banco Industrial is an innovation-driven institution, with its customers being the cornerstone of the business. We have chosen Latinia’s solution to ensure that our communication with them is both the most efficient and effective”
Carlos Vides
Digital Banking Manager
“At Banco Agrícola we keep innovating for our clients, so we are very excited to work side by side with Latinia, a global leader in its product category, with whom we will refocus our multichannel notification strategy”
Claudio Góchez
Channel Strategy Manager
“Latinia’s solution is strategically aligned with our bank’s current and future needs, both in terms of technology and business. We’re living in a world where more contact points demand more convenience on the customer side, as much as a greater complexity to be managed by the bank. We believe that Latinia will help us thriving with that goal”
Guillermo Güemez
Deputy General Manager of innovation
Thanks to LATINIA’s LIMSP©, we are able to real-time alert our users when their transactions take place, providing a greater security environment to all of us
Jaime González
Chief Information Officer
The evolutionary roadmap of the bank determined that it was necessary to bet on a platform that integrates the 360º view of the customer in terms of their relationship with the bank. The functionality that Latinia offered us fit perfectly with the bank’s digital transformation roadmap
Kyra Arcia
Head of Marketing and Innovation
Getting to the point: a a nearby bank is one that offers its customers the right channel at the right time That’s why mobile banking and more especially banking based on notifications are nowadays a must for Banco Popular, so what a better partner than LATINIA?
Celia Alonso
Multichannel Banking Director
For our financial notifications strategy we needed a product to grow with us; scalable, robust, highly specialized, and what’s more, with the ability to adapt and reuse our current business logic layer. We wanted a partner, not just a vendor, and there it was LATINIA
Valentin Echeverry
Vice President of Technology and Operations
LATINIA’s infrastructure products , are robust, flexible and scalable to the core, and perfectly fit to our new Omnichannel architecture; that’s what we where exactly looking for.
Martín Cabrera
Chief Technical Officer at Banco de Crédito e Inversiones
Faq's
How does Latinia transform banking events into business opportunities (NBA)?
Latinia analyzes every transactional action in real time — such as a payment, transfer, or card usage — and evaluates whether that action meets the conditions defined by the bank. If so, a contextualized Next Best Action (NBA) is automatically triggered, turning an everyday operation into an immediate commercial opportunity.
What is the difference between a standard notification and a Next Best Action?
A standard notification is informational or security-related (OTP, fraud alert, account activity).
A Next Best Action (NBA) is triggered after analyzing the customer’s context and behavior, generating a personalized proposal at the most relevant moment.
How does Latinia’s RTD engine help banks become more proactive with their customers?
Through the RTD engine and Next Best Actions (NBA), banks can adopt a proactive approach toward their customers. Based on predefined rules and conditions, the system analyzes customer actions and automatically triggers loyalty notifications or personalized offers when the defined criteria are met.
This allows the bank to engage customers at the most relevant moment — even when they are outside the bank’s digital channels and more likely to interact.
How does Latinia help avoid “spam”?
Latinia prevents customer overexposure by combining saturation control, priority levels based on criticality, and activation rules based on real-time transactional context and customer behavior.
Unlike Marketing Automation platforms, communications are only sent when relevant conditions are met, while also respecting the subscription preferences defined by the customer through their banking app or digital banking channels.
How is the success and effectiveness of NBA strategies measured?
Latinia provides different analytics and reporting tools that allow banks to analyze the performance of NBAs, evaluate results, and adjust strategies whenever necessary.
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