Ginko Financial Solutions

What Ginko Financial Solutions does

Ginko Financial Solutions S.A.S BIC is a Colombian-headquartered (Bogotá) software and services company founded in 2013 that builds digital banking technology for banks, cooperatives, and fintechs across Latin America. Its core offering is GINKO Digital Banking Platform (GDBP), a modular, cloud-native SaaS/PaaS platform composed of four proprietary modules: Connect Hub (API-first integration layer), Customer Lens (AI-powered personalization and behavior analytics), Live UI (no-code interface design), and Service Grid (operations and workflow orchestration). The platform is deployed on AWS and designed to connect to legacy core banking systems without requiring migration, with GINKO claiming a 60-day time-to-launch for new digital channels.

Beyond GDBP, the company runs a Core Banking Services practice implementing and supporting Apache Fineract as an open-source core, plus a portfolio of specialized professional squads covering full-stack development, DevOps, cloud, database and architecture diagnostics, and AI-augmented development. Revenue is generated through modular SaaS subscriptions billed annually, project-based and dedicated-team professional services engagements, and ongoing managed services for core banking environments.

The company sells exclusively through direct, consultative enterprise sales, targeting mid-to-large banks and cooperatives as its primary segment and fintechs/neobanks as a secondary segment. Named customers include Grupo Aval (where it operates the ICBS corporate banking portal handling +102,000 enterprise clients, +17M monthly transactions, and +99 billion pesos in monthly managed operations), Banco Santander Chile, BELAT, Banco de Occidente, Banco de Bogotá, AV Villas, and Banco Popular. GINKO is a subsidiary of SOLEM group, holds ISO 27001 certification, and has operated as a Sociedad BIC in Colombia since 2023.

Name

Ginko Financial Solutions

Legal name

GINKO FINANCIAL SOLUTIONS S.A.S BIC

Website

https://ginkofs.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Ginko Financial Solutions is a Colombian-headquartered software and services company that builds modular digital banking platforms, Apache Fineract core banking services, and specialized technology squads for banks, cooperatives, and fintechs across Latin America.

Ownership category

akta.pro rank

Product category

Digital Banking Platform

NAICS

Computer Systems Design and Related Services (54151), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)

SIC

Services-Computer Programming Services (7371)

akta.pro primary industry

Neobank Core Platform (Retail/SME Digital Bank) (FSAGAAAA)

akta.pro secondary industry

Low-Code/No-Code Application Platforms (HDAEAKAA)

Keywords

• Digital banking platform
• Core banking modernization
• Cloud-native fintech
• Banking software services
• Open source core banking

Headquarters

HQ city

Providencia

HQ country

Chile

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform Licensing / SaaS Subscription: GDBP is delivered as a modular SaaS/PaaS platform. Financial institutions license the platform components they need (Connect Hub, Customer Lens, Live UI, Service Grid) and pay on a subscription basis. Implementation is included as part of the engagement, with ongoing platform access billed recurring.
2. Professional Services & Specialized Squads: GINKO deploys specialized squads (fullstack development, DevOps, Cloud, architecture diagnostic, database) and consulting engagements to accompany financial entities through digital transformation. These are billed as professional services engagements, typically project-based or through dedicated team contracts.
3. Core Banking Implementation & Managed Services: Apache Fineract implementation, parametrization, migration, and ongoing managed services for core banking. Includes continuous technical support, updates, optimization, and strategic accompaniment for the core's long-term growth.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

GINKO provides a modular, cloud-native digital banking platform (GDBP) that enables financial institutions to launch digital banking channels — web, mobile, corporate, and crowdlending — in approximately 60 days without rebuilding their existing core. Built on Apache Fineract and deployed on AWS, the platform is composed of configurable modules (Connect Hub, Live UI, Customer Lens, Service Grid) and is delivered alongside Apache Fineract implementation, modernization, and dedicated development/DevOps/cloud squad services.

Product overview

Ginko Financial Solutions offers a portfolio of three core solution areas. The primary platform is GINKO Digital Banking Platform (GDBP) — a modular, white-label SaaS/PaaS solution for digital banking channels (web, mobile, corporate, crowdlending) that can be launched in 60 days. GDBP is composed of four integrated modules: GINKO Connect Hub (API-first integration and connectivity hub), GINKO Customer Lens (AI-powered analytics and personalization), GINKO Live UI (no-code UI design tool), and GINKO Service Grid (operations orchestration and workflow management). The second offering is Core Banking Services by GINKO — specialized implementation and support services for Apache Fineract as a modern open-source core banking system. The third is a suite of technical services including specialized development squads (Financial Development, Full Stack, DevOps, Cloud), architecture and database diagnostics, modular architecture design, and AI-powered development and testing services. These three pillars work together to deliver end-to-end digital transformation for banks, cooperatives, and fintechs across Latin America.

Differentiator

Problem solved

Functional benefit

Brands

• GINKO Digital Banking Platform (GDBP): Modular white-label platform for modern, secure, and customizable digital banking channels
• GINKO Connect Hub
• GINKO Customer Lens
• GINKO Live UI
• GINKO Service Grid
• Core Banking Services by GINKO

Products and services

• GDBP (Ginko Digital Banking Platform)
• Apache Fineract Implementation and Modernization Services

Quantifiable outcome

• Launch new digital banking products and channels in 60 days
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability5 records

Feature6 records

Partnerships

Five partnerships are on record, tiered minor and core.

• Colombia FintechminorOthersGINKO is an active member of Colombia Fintech, the leading Colombian fintech association. Membership provides networking, industry visibility, regulatory dialogue, and ecosystem integration within Colombia's financial technology sector.
• FinteChileminorOthersGINKO holds membership in FinteChile, the principal Chilean fintech association. Membership signals industry credibility in Chile and supports market presence alongside documented client relationships (e.g., Banco Santander Chile).
• Solem GroupcoreOthersGINKO Financial Solutions is a company belonging to the Solem Group. Solem is identified as the parent corporate group, indicating GINKO operates as a subsidiary or business unit within a larger holding structure.
• AWS (Amazon Web Services)coreTechnology or IntegrationGINKO's cloud infrastructure and the BELAT digital ecosystem are built on AWS. AWS provides the underlying cloud platform (compute, storage, managed services) that powers GINKO's SaaS/PaaS delivery model and the fully automated cloud architecture deployed for clients.
• Apache Software Foundation (Apache Fineract)coreTechnology or IntegrationApache Fineract is the open source core banking platform that GINKO implements, parametrizes, and supports for financial institutions. GINKO offers end-to-end services around Fineract including implementation, integration with GDBP, migration from proprietary cores, ongoing maintenance, and evolution. Fineract serves as the foundational technology layer for core banking modernization engagements.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Temenos: Temenos is a large incumbent banking software provider offering both core banking and digital channel solutions globally. It competes with GINKO at the digital banking platform layer but as a broad portfolio vendor rather than a specialized regional platform.

Direct peers

• Mambu: Mambu provides a composable, cloud-native SaaS banking platform for retail, SME, and corporate lending. It is the closest direct peer to GINKO's GDBP in delivery model (SaaS, API-first, modular) and target buyer (banks, fintechs, neobanks), and competes for the same digital transformation budgets in LatAm.
• Thought Machine: Thought Machine provides a cloud-native, API-first core banking platform (Vault) targeting Tier-1 and Tier-2 banks globally. It is comparable to GINKO's Core Banking Services (Apache Fineract) in offering modern core replacement and competes for the same LatAm bank modernization mandates.
• Backbase: Backbase offers a digital banking platform for banks and credit unions focused on customer engagement and digital channels. It directly overlaps with GINKO's GDBP offering (web/mobile banking, corporate banking portals) and competes in similar Latin American bank RFPs.
• Pismo: Pismo is a LatAm-focused cloud-native banking and payments infrastructure platform serving issuers, acquirers, and digital banks. It is comparable to GINKO as a regional SaaS infrastructure provider for financial institutions operating across Latin America.
• Kushki: Kushki is a LatAm payments and banking infrastructure company providing APIs and orchestration for digital financial services. Comparable to GINKO as a regional fintech infrastructure provider serving banks and fintechs across multiple LatAm markets.
• Mifos Initiative: Mifos Initiative is the open-source community and platform derived from Apache Fineract, focused on microfinance and banking. It is directly comparable to the open-source core banking layer that GINKO's Core Banking Services wraps and supports for institutional clients.
• Pomelo: Pomelo provides a banking-as-a-service platform enabling fintechs and corporates to launch financial products across Latin America. Comparable to GINKO's fintech/neobank customer segment and modular platform approach, though with stronger BaaS focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ginko-financial-solutions
• Xx.com/ginkofinancial1

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Ginko Financial Solutions