AI for banks and cooperatives in Ecuador

Ready for a pilot?

Tick what you already have; heavier items stall a pilot more. Nothing is sent.

Pilot readiness for a bank or cooperative

0 % · 0 of 6 controls that applyFirst missing: process measured and compliance sign-off

Not yet: the basics for testing with real data are missing.

Higher-risk controls weigh more in the score.

We know how many files or complaints arrive per month and how long each takes.
Compliance and risk approved what data the AI sees and what a person decides, under our supervisor’s rules.
There is a read-only path to the core or a copy, without touching production.
We have 100 real anonymized cases to test before going live.
Every action is logged with date, user and version, as evidence for the Superintendency of Banks or SEPS, as applicable.
A named manager is accountable for the pilot.

What it costs and when it pays back

Hours freed by AI minus what it costs to run. Examples are marked; public prices link to their source.

Files or complaints per month800

Minutes of work per file today70 min

Minutes per file with AI (example)15 min

AI model

Cost per hour (USD)

Estimated floor: the 2026 SBU (USD 482, Ministry of Labor) ÷ 173.33 h (40 h × 52 weeks ÷ 12) ≈ USD 2.78. Typical real cost (example): ×2.5, a salary of two basic wages plus employer contributions and bonuses. Source

Today933 h/month

Automated200 h/month

Value of hours freed per month733.3 h × USD 2.78: USD 2,039
AI model public price800 files × USD 0.0040 (example: 30,000 input + 2,000 output tokens; gpt-6-luna at USD 0.10 / 0.50 per million) · OpenAI · API pricing: −USD 3.20
Platform, monitoring and support exampleTypical monthly range: −USD 300 to −USD 800
Net savings per month: USD 1,235 to USD 1,735
Core read access, compliance rules, testing and pilot typical range · exampleOne-off, up front: USD 8,000 to USD 20,000
Months to pay back the investment: 4.6 to 16 months

Tokens: the unit AI providers bill for the text the model reads (input) and writes (output). OpenAI puts 100 tokens at about 75 English words.

Range: the lower figure uses low costs, the higher one high costs. Public prices checked on 11 Oct 2026.

estimated

4-week pilot

A typical plan; real timing depends on your systems.

Pilot · weeks 1 to 4

Week 1Pick and measureOne process (credit file or complaints) and its baseline of time and errors.KPI: Signed baseline
Week 2Rules and accessCompliance defines what the AI sees under its supervisor; read-only access and logging.KPI: Access approved
Week 3Test on casesAI assembles 100 real anonymized files; the team corrects every difference.KPI: Correct fields (example target: 95%)
Week 4Scoped real useOne branch or team uses the flow and it is compared to the baseline.KPI: Minutes per file vs. baseline

Before you start

Supervisor identified (Superintendency of Banks or SEPS) and its rules reviewed by legal
Process chosen and monthly volume measured
Written rules: what the AI sees and what a person decides
Read-only access to the core or a copy
100 real anonymized cases and every action logged with user, date and version
Pilot owner and success metric agreed

Frequently asked questions

Can the agent approve credit?

We do not propose delegating credit approval to a model. Scope focuses on document and operations assistance; decisions remain with authorized people and processes.

Must the banking core be changed?

We do not assume so. We review interfaces and permissions for a bounded layer. If no safe integration exists, scope is reduced or stopped.

How is sensitive data handled?

Define which data is necessary, who can access it and where it is processed. Implementation requires security and data-owner approval; a technology alone does not establish compliance.

Do banks and cooperatives share the same rules?

Do not assume so. We check entity type and supervisor against official sources and the legal team before designing the workflow.