Solutions
Use Cases
Success Case Compartamos
Compartamos Banco reduces reconciliation time by 94%
7 critical reconciliations automated, Excel eliminated, and complete auditability for SBS
94%
reduction in operational time
7
critical reconciliations automated
3x
greater control frequency
About Compartamos
Compartamos Banco is a Peruvian financial institution, subsidiary of Gentera, specialized in microfinance. With over 33 years in the market, more than 1.2 million customers, and presence in 22 departments through 117 branches, it offers credit, savings, insurance, and payment services. In 2025, it obtained SBS license to operate as a bank.
Compartamos Challenge
Compartamos operated multiple reconciliation processes manually, with dependence on spreadsheets, operational tickets, and prolonged wait times. Each reconciliation was built from scratch.
Manual and fragmented processes
Hours in manual downloads, cross-checks, and reconciliations from scratch increasing risk.
Ticket and wait time dependency
Each certification required 2 tickets and 2 days of wait before starting validation.
Lack of auditable traceability
Excel calculations without integrity or traceability, compromising reliability with SBS.
Insufficient control frequency
Controls such as insurance premiums were executed quarterly, limiting timely detection.
Results achieved
Compartamos eliminated Excel dependency and reduced time by up to 94% across 7 reconciliations.
Before Simetrik
- Reconciliations built from scratch in Excel
- 2 tickets + 2 days wait + 5 hours per certification
- Quarterly insurance premium control (3 business days)
- Teams dedicated to preparing information, not analysis
After Simetrik
- 7 reconciliations automated across 5 operational domains
- 0 tickets, 0 wait, execution in 1-1.5 hours (94% reduction)
- Monthly premium control in 1 business day
- Team focused on exception analysis and decisions
How was it solved?
With its transformation from financial institution to bank and SBS regulation, Compartamos needed daily controls and auditable evidence. With Simetrik, it transformed 7 processes into robust, flexible financial infrastructure ready to scale.
How the solution was structured
Compartamos operates credit, savings, insurance, and payments under SBS regulation with multiple internal systems. Simetrik structured control across 5 domains, from transaction to auditable evidence.
Cash In
Immediate transactions (STI)
High-volume reconciliation with early discrepancy detection, alerts, and complete audit traceability.
Cash Out
Deferred transfers and debit card
Daily control of settlements with visibility of differences and operation expirations.
Fees & Billing
UBA Commissions
Automated controls on data quality, missing information, and reduced duplicate risk.
Claims & Chargebacks
Credit life insurance premiums
Control over expirations and refunds. From quarterly to monthly, reducing reprocessing and untraceable adjustments.
Accounting Operations
Accounting movements and certification
Automation of monthly adjustment entry with ERP integration and transactional-level reconciliation.
Reporting & Regulations
Traceability for SBS audits
Evidence and complete traceability for internal audits, SBS reviews, and certifications.
