# Latinia

> Latinia is a decision-centric banking communication software company headquartered in Barcelona, Spain. Latinia's platform enables banks and financial institutions to transform real-time banking transactions into intelligent, compliant and personalized communications. The platform processes banking events in 0.0x seconds, delivers an average 150% ROI on communications investment, and accelerates time-to-market 3x compared to custom development. Latinia is trusted by financial institutions across Latin America, Europe and the Middle East, including Banco Sabadell, Banco Industrial (Guatemala), Banco Bolivariano (Ecuador) and Redeban (Colombia).

## Core Technology (Three Engines)

- [Real-Time Decision Engine](https://latinia.com/en/technology/real-time-decision-engine): Processes banking events in real time, applying business rules to detect cross-selling opportunities, fraud signals and regulatory triggers. Powers Next-Best-Action (NBA) strategies at the exact moment of the transaction.
- [Critical Alerts Engine](https://latinia.com/en/technology/critical-alert-engine): Manages and delivers mission-critical banking notifications — fraud alerts, OTP codes, payment confirmations — with guaranteed delivery, multi-channel orchestration and full regulatory traceability.
- [Alert Subscription Engine](https://latinia.com/en/technology/subscription-engine): Customer preference center that lets banking end users choose which alerts they receive, on which channel and at what frequency. Reduces opt-outs and improves engagement rates.

## Solutions

- [Profitability and Customer Experience](https://latinia.com/en/solutions/profitability-customer-experience): Converts banking transactions into cross-selling and loyalty opportunities using real-time Next-Best-Action intelligence. Clients achieve up to 150% ROI on their communications investment.
- [Security and Regulatory Compliance](https://latinia.com/en/solutions/security-and-regulation): Delivers critical security notifications and ensures compliance with PSD2, GDPR, local central bank regulations and financial consumer protection laws across multiple jurisdictions.
- [Operational Efficiency](https://latinia.com/en/solutions/operational-efficiency): Centralizes channel management for banks, eliminates information silos across departments and reduces per-message delivery costs at scale.

## Success Stories

- [Banco Sabadell reduces fraud by 40%](https://latinia.com/en/resources/case-study/banco-sabadell-success-story): Banco Sabadell deployed Latinia's Real-Time Decision infrastructure to protect millions of users from fraud in real time.
- [Banco Industrial — 12 years of banking innovation](https://latinia.com/en/resources/case-study/banco-industrial-success-story): The largest bank in Guatemala transformed its customer communications infrastructure with Latinia's platform.
- [Banco Bolivariano](https://latinia.com/en/resources/case-study/banco-bolivariano-success-story): Leading Ecuadorian bank modernised its notification infrastructure with Latinia.
- [Redeban](https://latinia.com/en/resources/case-study/redeban-success-story): Colombian payment network Redeban integrated Latinia for real-time transactional communication.

## Use Cases

- [How to monetize real-time banking alerts](https://latinia.com/en/cases/profitability-banking-communication): Turn the exact moment of a banking transaction into new cross-selling revenue.
- [How to comply with banking notification regulations](https://latinia.com/en/cases/banking-alerts-compliance): Ensure legal traceability and regulatory compliance in every message sent.
- [How to improve banking alert delivery](https://latinia.com/en/cases/improve-delivery-bank-alerts): Optimize alert delivery through the most effective channel for each banking customer.

## Resources

- [Resources Hub (EN)](https://latinia.com/en/resources): Guides, case studies, webinars and technical content for banking communications professionals.
- [Hub de Recursos (ES)](https://latinia.com/recursos): Guías, casos de éxito, webinars y contenido técnico para profesionales de comunicaciones bancarias.

## Partners

- [Find a Partner](https://latinia.com/en/partners-en/find-your-partner): Network of certified technology partners that complement and integrate with Latinia's platform.
- [Become a Partner](https://latinia.com/en/partners-en/become-partner): Strategic partner program for technology companies and system integrators serving the banking sector.

## Optional

- [Contacto / Contact](https://latinia.com/contacto)
- [Sitemap](https://latinia.com/sitemap_index.xml)