Bajaware

What Bajaware does

Bajaware (legal name: Consultores y Soluciones Bajaware, S. de R.L. de C.V.) is a privately-held Mexican RegTech company founded in 2000, headquartered in Tijuana with a secondary office in Mexico City. The company develops and sells the Reportware platform — an integrated regulatory reporting system that automates the calculation, validation, generation, and delivery of reports required by Mexico's CNBV (Comisión Nacional Bancaria y de Valores) and Banco de México across multiple regulated entity types, including Banca Múltiple, Banca de Desarrollo, Casa de Bolsa, SOFOM, SOFIPO, Fondos de Inversión, Grupos Financieros, and Instituciones de Tecnología Financiera (Fintech entities under Ley Fintech). Built around 21+ years of accumulated regulatory interpretation, the platform supports an extended lifecycle (Reportware 5.0 supported through 2032, Reportware 6.0 through 2036) and is modularized to include the SICC portfolio rating system (CNBV Expected Loss / IFRS9 methodology), ACLME/ICAP/CCL indicator calculators with scenario simulation, a Key Risk Indicator (KRI) management module aligned with CNBV CUB security regulations, and a Data Analytics dashboard layer.

The company's commercial model combines recurring software licensing and platform subscriptions with professional services — including regulatory interpretation, technical architecture advisory, and training — sold via direct enterprise sales and consultative engagement. Bajaware reports that 2 of 3 banks in Mexico and 80% of Banca de Desarrollo institutions are its clients, and 100% of new international banks entering Mexico have resolved regulatory compliance requirements with its solutions. The active base spans 60+ financial institutions across Mexico and Central America. The company operates with a 11–50 employee headcount out of Tijuana (HQ: Paseo de los Héroes 9188 Int 501, Zona Urbana Río) and Mexico City (Paseo de la Reforma 389 Piso 15, Cuauhtémoc), engages through industry events such as ABM Banking Conventions and RegTech Rising, and maintains an ecosystem partnership with Asociación Fintech México dating to 2019. Leadership includes Omar Lozano (Director General / CEO), Gustavo Guevara (Co-founder), Christian Muriedas (Director Comercial), Fernando Saavedra (Director de Conocimiento Regulatorio), and Gines Rivero (Director de Ingeniería). The company has been organically funded since inception with no disclosed external investment rounds.

Name

Bajaware

Legal name

CONSULTORES Y SOLUCIONES BAJAWARE, S. DE R.L. DE C.V.

Website

https://bajaware.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Bajaware provides regulatory compliance software and consulting services to financial institutions in Mexico and Central America. Its Reportware platform automates the calculation, validation, and submission of CNBV and Banco de México regulatory reports across multiple institution types.

Ownership category

akta.pro rank

Product category

Regulatory Compliance Software

NAICS

Software Publishers (513210), Other Scientific and Technical Consulting Services (54169)

SIC

Services-Computer Processing & Data Preparation (7374)

akta.pro primary industry

Transaction Reporting & Trade Surveillance Controls (MiFID/MiFIR, CAT, EMIR, SFTR) (FSAFAKAD)

akta.pro secondary industry

Regulator/Authority-Operated Reporting Systems & Portals (FSAFAJAJ)

Keywords

• Regulatory reporting software
• Compliance management solutions
• Banking risk analytics
• Financial consulting services
• Regulatory technology

Headquarters

HQ city

Cuauhtémoc

HQ country

Mexico

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Software Licensing and Platform Subscriptions: Revenue from Reportware platform licensing with version support (e.g., Reportware 5.0 with support until 2032, Reportware 6.0 with support until 2036). Platform includes regulatory reporting, portfolio rating, and indicator calculation modules.
2. Consulting Services: Regulatory consulting and training services including control and management of technical architecture of regulatory platforms, training on information processing and reporting, and consultancy on interpretation and implementation of new regulations.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Bajaware sells the Reportware integrated regulatory reporting platform and supporting modular software (SICC portfolio rating, ACLME/ICAP/CCL calculators, KRI management, data analytics) used by financial institutions in Mexico and Central America to calculate, validate, generate, and deliver reports required by CNBV and Banco de México. The company also provides regulatory consulting and training services for implementing new regulations and managing technical architecture.

Product overview

Bajaware offers Reportware, an integrated regulatory reporting platform with modular add-on components. The core platform provides calculation, validation, generation, and delivery of regulatory reports for CNBV and Banco de México. Supporting modules include SICC for loan portfolio classification, ACLME/ICAP/CCL regulatory indicator calculators, KRI management, Data Analytics dashboards, and consulting services. The company has operated since 2000 and serves 2 out of 3 banks in Mexico and 80% of Development Banking institutions.

Differentiator

Problem solved

Functional benefit

Brands

• Reportware: Integral platform for calculation, generation, and validation of regulatory reports for CNBV and Banxico
• SICC

Products and services

• Reportware Integrated regulatory reporting platform that automates the calculation, validation, generation, and delivery of regulatory reports required by Mexico's CNBV and Banco de México. Supports multiple institution types including Banca Múltiple, Banca de Desarrollo, Casa de Bolsa, SOFOM, SOFIPO, Fondos de Inversión, Grupo Financiero, and Fintech ITFs, covering report series R01-R32, RC, ACMLE, CCL, and ICAP.
• SICC - Sistema Integral de Calificación de Cartera Comprehensive loan portfolio rating system that performs classification and reserve estimation calculations for commercial, consumer, and mortgage credit portfolios in compliance with CNBV Expected Loss methodology and IFRS9 standards.
• Módulo de Cómputo y Simulador del ACLME Automated solution for managing Assets and Liabilities in Foreign Currency in compliance with Banco de México requirements for daily liquidity in foreign currency, including daily ACLME form calculation, submission, and scenario simulation.
• Módulo de Cómputo y Simulador del ICAP Tool for calculating the Capitalization Index (ICAP) that enables financial institutions to measure impacts of operations on their capitalization ratio using inputs from Banco de México Rc forms.
• Módulo de Cómputo y Simulador del CCL Liquidity Coverage Ratio calculator that tracks evolution of liquid assets, cash inflows, and outflows over 30 days, enabling scenario modeling for market conditions and regulatory requirements.
• Gestión de KRIs Solution for automated management of Key Risk Indicators (KRIs), incidents, and information security alerts in compliance with CNBV CUB regulations on Information Security.
• Data Analytics Data analytics portfolio providing indicators and analysis through multiple dashboards to help financial institutions gain insights into their operations and market positioning for strategic decision-making.
• Consultoría Regulatoria Regulatory consulting and training services including control and management of technical architecture for regulatory platforms, training on information processing and reporting, and consultancy on interpretation and implementation of new regulations for financial institutions.

Quantifiable outcome

• 2 out of 3 Mexican banks use Bajaware solutions
• +3 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• Asociación Fintech MéxicocoreGTM or Marketing Partner · 1 January 2019Active member of Asociación Fintech México since 2019. Bajaware has collaborated with the association to deliver webinars focused on regulatory requirements for Technology Finance Institutions under the Ley Fintech. The partnership involves organizing training courses on calculation of provisions for credit risks, workshops on regulatory change harmonization (IFRS 9, Regulatory Indicator Calculation), and reviewing draft regulatory changes issued by authorities.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• BearingPoint RegTech: BearingPoint's RegTech division sells the ABACUS platform for regulatory reporting and analytics to financial institutions, with a long-established presence in Europe and Latin America. It is comparable to Bajaware because it targets the same compliance/finance buyer and bundles software with advisory services for new rule interpretation.
• Moody's Analytics (AxiomSL / Regulatory Reporting): Moody's Analytics offers an enterprise regulatory reporting platform that automates calculation and submission of capital, liquidity, and transaction reports to multiple global regulators. It serves the same buyer (banking risk and compliance teams), solves the same problem (regulator-ready report generation), and would be a natural Latin America entrant competing against Bajaware.
• Infoview / Regulatory Reporting Software Vendors (e.g., Vermeg / Acadia): Vermeg (which acquired Lombard Risk's regulatory reporting business, rebranded as Acadia) is one of the closest pure-play regulatory reporting platforms to Bajaware, used by banks across Europe and increasingly other regions. It competes head-on in the calculation, validation and submission of regulator-mandated reports.
• Wolters Kluwer (OneSumX for Regulatory Reporting): Wolters Kluwer's OneSumX is one of the leading global regulatory reporting platforms serving banks and broker-dealers across multiple jurisdictions. It directly competes with Reportware in the automated calculation, validation and submission of regulator-required reports, making it the most analogous global peer to Bajaware.

Broad incumbents

• Finastra: Finastra's banking platform suite includes regulatory reporting, liquidity, capital and risk modules used by banks globally. Although it is a broad incumbent banking software vendor rather than a RegTech pure-play, the regulatory modules overlap with Bajaware's portfolio and could be deployed into Mexican banks.
• Oracle Financial Services Regulatory Reporting: Oracle's Financial Services Regulatory Reporting application sits on top of its broader banking data warehouse stack and addresses the same enterprise reporting and compliance use cases that Reportware covers. It is a broader incumbent rather than a niche specialist, but competes directly for the same wallet share of bank finance/risk buyers.
• FIS (Fidelity National Information Services) Regulatory Reporting: FIS offers regulatory reporting and risk modules as part of its core banking and capital markets technology stacks, often sold to mid-to-large banks. As a broad incumbent in bank technology, FIS represents an enterprise-scale competitor that could localize its offering into Mexico and challenge Bajaware's niche.
• SAS Institute (Compliance & Risk Analytics): SAS provides an enterprise analytics platform widely used for risk, regulatory reporting and AML use cases in financial institutions. It competes for the same regulatory risk and reporting budget that Bajaware targets, and is sometimes deployed alongside or against specialized regulatory platforms.

Others

• Mambu: Mambu is a cloud-native core banking platform used by neobanks and fintechs in Latin America to launch regulated deposit-taking and lending products. It is comparable as an ecosystem participant (disclosed Bajaware technology partner) addressing the same ITF/IFPE-regulated fintech clients that Reportware's Fintech segment serves.

Emerging players

• TASF (Tecnología Aplicada en Servicios Financieros): TASF is a Mexican financial technology firm whose CAUDEX product manages administration and control of products offered by financial entities under CNBV regulations. It is an emerging local competitor with overlapping regulatory coverage and was disclosed as an active Bajaware partner.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/bajaware
• Facebookfacebook.com/ConsultoresBajaware
• LinkedInlinkedin.com/company/bajaware

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bajaware