FINTECH ON DEMAND

Fintech On Demand is a regulated electronic payment funds institution (Institución de Fondos de Pago Electrónico or IFPE) based in Monterrey, Nuevo León. Founded in 2019 by Oscar Ramos Peart, the company specializes in providing B2B and B2C electronic payment solutions and digital financial services for businesses and individuals in Mexico. The company operates under the regulatory framework established by Mexico's 2018 Fintech Law, which governs electronic payment institutions in the country. Fintech On Demand's core offerings include Travex, an intelligent expense management platform designed for corporate travel and business expenses that enables companies to monitor employee spending in real time, manage per diem budgets, automate expense reporting through receipt capture technology, and ensure tax compliance with SAT validation. The platform addresses common corporate pain points by reducing manual administrative work, improving employee security through electronic payments instead of cash handling, and providing detailed consumption reports for better decision-making. The company also offers One Wallet, a personal finance management application that allows users to control and track their payment cards, manage card security settings, and monitor transactions for online and offline purchases. Additionally, Fintech On Demand provides business accounts and 24/7 customer support to facilitate efficient financial resource management for its clients. The company's services are accessible through mobile applications available on major platforms, targeting primarily middle-market businesses and individual consumers in urban centers. As a regulated IFPE, Fintech On Demand operates within Mexico's formal fintech ecosystem and must comply with regulatory requirements established by the National Banking and Securities Commission (CNBV) and the Bank of Mexico (Banxico).