kiban

Kiban operates as a financial technology infrastructure provider based in Cuauhtémoc, Mexico City, specializing in API-driven tools and workflow automation for credit-related businesses. Founded in 2008 by Alexandre Grin and Nebojsa Kovacevic, the company offers its kiban cloud platform that provides comprehensive solutions for the entire credit lifecycle, including loan origination, compliance, payment reconciliation, digital onboarding, and regulatory reporting. The company positions itself as a bridge between traditional financial processes and modern fintech capabilities, targeting businesses ranging from small ventures to large financial institutions. Kiban's flagship product, workfloo, is a no-code platform that enables businesses to create and automate loan origination processes without development resources. The platform integrates with Mexican credit bureaus including Buró de Crédito and Círculo de Crédito, and offers APIs for document verification, data retrieval, identity validation through CURP and INE, and anti-money laundering checks. Additional products include rekon for payment reconciliation and link, an API hub providing access to various financial data services including connections to Mexican tax authorities and government databases. The company serves notable clients including Nubank, Te Creemos Holding, Lime, Credicer, and Bien para Bien. Operating under the legal entity Nkonect S.A. de C.V., kiban employs between 11-50 people with offices in Mexico City and Paris. The company has been featured in Finnovista's Radar Fintech México for five consecutive years and has sustained operations for over a decade without external investment rounds. While kiban provides essential infrastructure for lending businesses, its core business model centers on delivering RegTech and fintech tools rather than directly offering credit products to consumers.