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Blog
Open Banking
In this section of the WAU blog, we explore how open banking is reshaping the financial industry. From API integrations and enhanced data access to personalized customer experiences, our articles provide insights into leveraging open banking to create value-driven ecosystems. Discover how businesses can stay competitive by embracing transparency, innovation, and seamless collaboration within the financial sector.
CoDi and DiMo: Why Digital Collections Haven't Taken Off in Mexico
CoDi and DiMo promised to kill cash and stalled. The problem isn't the QR code or Banxico—it's the banks' core. Real numbers vs. PIX and what to do.
WAU Marketing
7 days ago5 min read
Decoupling a Critical System Without Stopping Operations: The Rollback Plan That Saved Us
Modernizing a legacy system wired into the core isn't replacing an app. It's operating on a living piece of the business without the business ever going down. Here's how a well-prepared rollback plan made all the difference.
WAU Marketing
Jun 264 min read
Agentic AI and its Impact on the Modernization of Core Finance with WAU
La IA agéntica emerge como una solución que no solo mejora procesos, sino que también impulsa la modernización del Core, permitiendo a las instituciones competir en un mercado cada vez más dinámico.
WAU Marketing
Jun 223 min read
Remittances & Cross-Border Payments: Modernize the Core to Capture the Flow
Mexico received $64.7B in remittances in 2024 and 99% arrived digital. Why a legacy core loses that flow and how a modern one captures it.
WAU Marketing
May 124 min read
Real-Time Reconciliation: The Hidden Challenge of Instant Payments
24/7 instant payments break overnight batch reconciliation. Why your legacy core falls out of balance with SPEI and PIX, and how to reconcile in real time.
WAU Marketing
Apr 144 min read
API-First Banking: The Technical Foundation of Open Finance
Open Finance is, by law, sharing data via APIs. Why putting a gateway on your legacy core doesn't make you API-first, and what actually does.
WAU Marketing
Mar 174 min read
ISO 20022: Why Your Core Must Speak the New Language of Payments
Since November 2025, cross-border payments speak only ISO 20022. Why your legacy core truncates data, and what to do so you're not left out.
WAU Marketing
Feb 174 min read
Open Finance in Mexico: What the Fintech Law Demands of You
Open Finance has been law in Mexico since 2018—yet the key secondary rules are still missing. What the Fintech Law requires today and how to ready your core.
WAU Marketing
Jan 203 min read
Banking Onboarding: From Problem to Opportunity with eKYC
68% of users abandon banking onboarding if it’s slow or complex. This article shows how eKYC enables banks to offer fast, secure, and compliant digital onboarding — reducing costs, preventing fraud, and building customer trust through seamless mobile-first experiences.
Juan Carlos Garavito
Oct 5, 20252 min read
From Bottleneck to Breakthrough: How AI Is Redefining Payments
AI is turning payments into a competitive advantage—faster, smarter, and more human. Discover how it’s reshaping digital finance.
Juan Carlos Garavito
Sep 19, 20253 min read
Mastercard Launches On-Demand Decisioning: The Future of Authorization Control?
Mastercard’s On-Demand Decisioning gives banks real-time control and agility in payment authorization—reshaping digital finance.
Juan Carlos Garavito
Sep 12, 20252 min read
Stablecoin Regulation Has Arrived—What’s Next for Banks?
Stablecoin regulation is reaching the U.S. Learn how banks can strategically adopt them to drive efficiency and business value.
Juan Carlos Garavito
Sep 3, 20253 min read
The Wau Factor. Temp 2 | ep 2 | Payment Gateways: The Silent Engine Driving the New Digital Economy
Discover how payment gateways drive sales, financial inclusion, and security in the new Latin American digital economy.
WAU Marketing
Aug 11, 20254 min read
The 5 Key Banking Features You Must Offer in 2025
5 banking features for 2025: instant payments, AI personalization, API-first architecture, and advanced security to stay competitive.
Juan Carlos Garavito
Aug 6, 20252 min read
Real-Time Payments and the Future of Cross-Border Transactions: What Businesses Need to Know
From days to seconds: discover how real-time payments boost liquidity, cut costs, and open global markets for your business.
Juan Carlos Garavito
Jul 21, 20254 min read
Understanding AMLA and the Strategic Role of AI in the Fight Against Money Laundering
AMLA and AI are transforming AML compliance. Learn how to modernize your core and stay ahead of the regulatory curve.
Juan Carlos Garavito
Jul 14, 20254 min read
Understanding PCI DSS, PSD2, PSD3, and AML in Payment Processing: A Practical Guide
Learn how PCI DSS, PSD2, PSD3, and AML shape secure payment processing and help your institution build trust and stay ahead of regulations.
Juan Carlos Garavito
Jul 8, 20254 min read
The Real Truth About Core Banking Modernization: Lessons from The Wau Factor Season 1.
The Real Truth About Core Banking Modernization,
Discover the hidden complexities of core banking modernization. Learn how leadership, not just technology, drives successful transformations in the banking sector.
WAU Marketing
Jun 22, 202511 min read
The Digital Wallet Revolution: Transforming Payments and Consumption
Modernization of banking infrastructures is essential to sustain this new digital pace, something we at WAU have seen when supporting financial institutions in transforming their legacy systems. This transformation makes them more agile, secure, and interoperable, enabling them to easily integrate with wallets, open APIs, and new digital interaction models.
Juan Carlos Garavito
Jun 17, 20255 min read
How to Implement Banking APIs Securely: 2025 Practical Guide
Discover how to implement banking APIs securely with our 2025 practical guide. Learn best practices, common risks, and essential technical controls.
WAU Marketing
Jun 3, 20255 min read
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