Divergint
Industry

Consumer & Embedded Finance

Scaling financial products built into the consumer experience

Consumer lending platforms, BNPL providers, expense management companies, and embedded finance products face unique LatAm regulatory challenges around licensing, credit regulation, corporate spending, and customer onboarding — often without in-house LatAm regulatory expertise.

Industries/Consumer & Embedded Finance
consumer

Key Challenges in LatAm

  • Deposit-taking thresholds and micro-lending authorization requirements
  • Reverse solicitation doctrine for cross-border consumer product offers
  • GMF (4x1000) exemption structuring for expense management flows
  • Credit reporting obligations and consumer protection compliance
  • AML/KYC program design at high onboarding volumes
  • Tax treatment of credit products, prepaid balances, and cashback mechanics
Industry

Consumer & Embedded Finance

Scaling financial products built into the consumer experience

How We Help

01
Licensing Perimeter Analysis
Determine exactly when your consumer lending or spending product crosses into regulated territory — and how to structure it to operate without unnecessary licenses.
02
GMF Structuring
Design payment flows that qualify for financial transaction tax exemptions, reducing the cost burden on high-volume consumer product operations.
03
Scalable KYC/AML
Design AML programs and KYC frameworks that work at consumer volumes — including technology partner selection and SAGRILAFT compliance.
04
Cross-Border Product Launch
Advise on reverse solicitation, local entity requirements, and regulatory pathway for consumer products targeting Colombian and LatAm users from abroad.

Related Services

Strategy & PlanningTaxes & EfficiencyCompliance
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From Our Research

Research & Insights

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Research

3 Ways Fintechs Can Unlock Banking Access

Gaining banking access remains one of the biggest hurdles for fintech companies. Here are three strategic approaches to build the relationships that unlock growth.

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Case Study

From Rejection to Partnership: Banking Access for a Colombian Neobank

A Colombian fintech was repeatedly rejected by local banks due to AML gaps and unclear ownership structures. Here's how we restructured their compliance program and secured three banking relationships in 90 days.

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Work With Us

Operating in this space?
Let's talk.

We work with companies navigating consumer & embedded finance in Latin America at every stage — from initial market entry to ongoing regulatory compliance.

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