LATINIA
Latinia is a Barcelona-based banking software vendor founded in 1999 that provides an event-driven real-time decision and messaging platform to over 40 banks across Europe and Latin America, serving more than 170 million end customers through quote-based SaaS subscriptions.
- Company typePrivate
- Founded1999
- HeadquartersBarcelona, Spain
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What LATINIA does
Latinia Interactive Business, S.A. is a Barcelona-headquartered (Madrid-domiciled) private software vendor founded in 1999 that builds decision-centric banking infrastructure. Its platform is composed of three proprietary engines — a Real-Time Decision Engine, an Alert Subscription Engine, and a Critical Alerts Engine — running on an event-driven architecture that processes transactional events in approximately 0.02 seconds and orchestrates contextual customer communications across SMS, push, email, WhatsApp, and RCS. The platform is designed for compliance with PSD2, DORA, GDPR, and ISO 27001-aligned controls, and operates as an intelligence and governance layer that decouples communication logic from banking cores and channel providers.
The company generates revenue through a SaaS subscription model with quote-based enterprise pricing tailored to institution size and messaging volume. It serves more than 40 banks across Spain, the UK, and Latin America (Guatemala, Colombia, Ecuador, Mexico, and Central America), with cited reach into 170M+ end banking customers. Anchor customer relationships span nearly two decades (Banco Sabadell since 2005, Redeban since 2008, Banco Industrial for 12 years), and additional tier-1 references include BCI, Banorte, Caixabank, TSB, and Santander. Distribution is anchored by direct enterprise sales and an extensive partner ecosystem covering Tier-1 messaging providers (Twilio, Sinch, Infobip, META WhatsApp), cloud hyperscalers (AWS, Azure, IBM), and regional telcos (Movistar, Vodafone, MasOrange).
The most recent strategic emphasis is LatinIA LAB, a 2024-launched responsible AI initiative that embeds Intelligent Agents into the decision engines for next-best-action, anomaly detection, and automated orchestration. A 2025 Forrester Total Economic Impact study validated 162% ROI and sub-6-month payback for the platform, providing third-party economic evidence for enterprise sales cycles. Awards include CMMI Level 2 certification and IBM Partner World ADVANCED recognition.
LATINIA firmographics
Firmographics- Name
- LATINIA
- Legal name
- LATINIA INTERACTIVE BUSINESS, S.A.
- Website
- https://latinia.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Latinia is a Barcelona-based banking software vendor founded in 1999 that provides an event-driven real-time decision and messaging platform to over 40 banks across Europe and Latin America, serving more than 170 million end customers through quote-based SaaS subscriptions.
- Ownership category
- akta.pro rank
LATINIA industry classification
Industry- Product category
- Banking Communication Software
- NAICS
- Software Publishers (5132), Software Publishers (513210)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Services-Prepackaged Software (7372)
- akta.pro primary industry
- iBPMS (Intelligent BPM Suites) & Process Automation Suites (HDAEAHAG)
Keywords
Where LATINIA is headquartered
LocationHeadquarters
- HQ city
- Barcelona
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
LATINIA business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Operations, Marketing or Sales
Revenue model
- SaaS Platform Subscription: Latinia operates on a software-as-a-service model, providing cloud-based access to their real-time decision and messaging platform for financial institutions. The subscription model includes platform access, support, and ongoing updates.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
LATINIA product offering
Product offeringCore offering
Latinia is an independent software vendor that builds and licenses a decision-centric banking communication platform. The platform converts banking transactions into intelligent, contextual decisions and triggers personalised customer communications across multiple channels (SMS, push, email, WhatsApp, RCS) in real time. It is delivered to financial institutions as a SaaS subscription with three core engines (Real-Time Decision, Critical Alerts, Alert Subscription) and three solution packages covering profitability, security/regulatory compliance, and operational governance.
Product overview
Latinia is a decision-centric banking software provider offering a unified platform with three core engines: the Real-Time Decision Engine (Motor de Decisión en Tiempo Real), the Alert Subscription Engine (Motor de Suscripción), and the Critical Alerts Engine (Motor de Alertas Críticas). The platform analyzes transactional events and customer data in real time to trigger contextual, personalized communications across multiple channels (SMS, push, email, WhatsApp, RCS). Latinia complements its core engines with three solution areas: Profitability and Customer Experience (NBA/cross-selling), Security and Regulatory Compliance (fraud prevention, DORA/PSD2/GDPR alignment), and Governance and Operational Efficiency (multi-channel orchestration, provider failover). The architecture supports both Retail and Corporate Banking segments with independent configurations. LatinIA LAB represents the company's responsible AI initiative, integrating Intelligent Agents into its decision engines.
Differentiator
Problem solved
Functional benefit
Brands
- LatinIA LAB: Responsible AI development initiative within a governed decision framework for banking applications.
Products and services
- Real-Time Decision Engine (Motor de Decisión en Tiempo Real) Analyses transactional events and customer data in real time to trigger contextual, personalised communications at the optimal moment across SMS, push, email, WhatsApp and RCS; sold to retail and corporate banks as part of the Latinia SaaS platform.
- Critical Alerts Engine (Motor de Alertas Críticas) Ensures delivery of critical banking notifications (OTP codes, fraud alerts, security messages) via intelligent fallback, multi-channel routing and provider failover; targeted at banks that need guaranteed delivery of regulated and security alerts.
- Alert Subscription Engine (Motor de Suscripción) Allows end customers to control what alerts they receive, when they receive them and through which channel, while enforcing mandatory delivery of security notifications; used by banks to manage preference centres at scale.
- Profitability and Customer Experience Solution (Rentabilidad y experiencia de cliente) Solution package that turns banking alerts into a strategic asset for cross-selling, customer loyalty and revenue generation by acting on key transactional moments with personalised communications; sold to retail and corporate banks seeking to monetise communication events.
- Security and Regulatory Compliance Solution (Seguridad y cumplimiento normativo) Detects anomalous behaviour in real time, activates fraud-prevention alerts, and ensures full traceability, legal evidence and regulatory compliance with DORA, PSD2 and GDPR; targeted at banks' security, fraud and compliance teams.
- Governance and Operational Efficiency Solution (Gobernanza y eficiencia operativa) Governance layer for banking communications that centralises channel management, reduces delivery costs, eliminates information silos and provides 99.99% service continuity through automatic routing, failover and channel orchestration; aimed at banks' operations and IT leadership.
Quantifiable outcome
- 162% ROI validated by Forrester Total Economic Impact study
- +2 more outcomes
Companies that use LATINIA
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles1 record
LATINIA technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature4 records
LATINIA partnerships and signals
Strategic signalPartnerships
23 partnerships are on record, tiered core, regional and minor.
- Twiliocore
- Sinchcore
- Infobipcore
- Amazon Web Servicescore
- Microsoft Azurecore
- LinkMobilityregional
- Veritrancore
- Movistarregional
- Vodafoneregional
- MasOrangeregional
- META - WhatsAppcore
- Concepto Movilregional
- Cibernosregional
- Japifonregional
- Accion Pointregional
- Movitextregional
- Masivregional
- Aldeamoregional
- Alestraregional
- Auronixregional
- Ausumminor
- Celmediaregional
- ETBregional
Scale indicators3 records
Recent moves5 records
Expansion highlights6 records
LATINIA competitors and assessment
Company assessmentDirect peers
- Personetics: Personetics provides AI-driven customer engagement and personalized financial insights for banks, directly overlapping with Latinia's Next-Best-Action and real-time decisioning capabilities within banking communication workflows.
- Backbase: Backbase offers a digital banking platform with engagement orchestration layers; it competes with Latinia in the unified customer communication and journey-decisioning layer serving retail and corporate banks.
- Mambu: Mambu is a cloud-native core banking platform serving retail and corporate banks; it overlaps with Latinia where banks build communication and decisioning on top of composable banking infrastructure.
- Thought Machine: Thought Machine is a cloud-native core banking vendor whose modern banking platform competes with Latinia in enabling real-time, event-driven customer interactions inside tier-1 banks.
Broad incumbents
- Temenos: Temenos is a broad banking software incumbent with composable platforms that include customer engagement and notification modules, competing with Latinia as part of a wider banking technology portfolio.
- nCino: nCino provides a bank operating system spanning origination, onboarding, and customer management; its communication and workflow capabilities compete with Latinia's orchestration layer in financial institutions.
- Sinch: Sinch is a global CPaaS incumbent and Latinia's partner; it competes as a broad messaging provider that can extend upward into orchestration and decisioning, threatening Latinia's differentiation.
- Infobip: Infobip is a global CPaaS player and Latinia partner; its expanding communication platform and AI capabilities put it in direct competition with Latinia's channel-agnostic orchestration value proposition.
- Twilio: Twilio is a global CPaaS incumbent and Latinia partner; its scale, developer ecosystem, and adjacent Engage platform compete with Latinia's intelligent orchestration and decisioning layer.
- Pegasystems: Pegasystems provides BPM and customer engagement suites used by banks for real-time decisioning and case management, overlapping with Latinia's workflow automation and decision engine category.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
LATINIA social profiles
Digital presenceLATINIA compliance and trust
Trust signalCompliance5 records
LATINIA financial estimates
Financial estimateRevenue estimate
Valuation estimate
LATINIA leadership team
Management profileNumber of profiles
Profiles3 records
LATINIA funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LATINIA M&A and investment
M&A and investmentM&A
Investments6 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about LATINIA
What does LATINIA do?
Latinia is an independent software vendor that builds and licenses a decision-centric banking communication platform. The platform converts banking transactions into intelligent, contextual decisions and triggers personalised customer communications across multiple channels (SMS, push, email, WhatsApp, RCS) in real time. It is delivered to financial institutions as a SaaS subscription with three core engines (Real-Time Decision, Critical Alerts, Alert Subscription) and three solution packages covering profitability, security/regulatory compliance, and operational governance.
Is LATINIA a public or private company?
LATINIA is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was LATINIA founded?
LATINIA was founded in 1999. It employs 51 to 100 people.
Where is LATINIA based?
LATINIA is headquartered in Barcelona, Spain, in the Europe region.
How does LATINIA make money?
One revenue line is on record: saaS Platform Subscription.
Who are LATINIA's main competitors?
Direct peers on record are Personetics, Backbase, Mambu and Thought Machine. Broad incumbents are Temenos, nCino, Sinch, Infobip, Twilio and Pegasystems.
Does LATINIA have an API?
No public API is recorded for LATINIA.
What industry is LATINIA in?
LATINIA's product category is Banking Communication Software. Its primary akta.pro industry code is HDAEAHAG, iBPMS (Intelligent BPM Suites) & Process Automation Suites. Its NAICS code is 5132 and its SIC code is 7370.