Phygital experiences
Interactive systems on real ATM/ITM hardware — one continuous experience across the screen in your hand and the machine on the street.
CEMI Labs · with IBizAI
Financial
Innovation Lab
Where financial technology stops being a slide and starts being a machine. A physical playground and software sandbox for testing the future of money on real hardware — real tools and platforms, real people, real conditions.
5+advanced ATM/ITM machines on the floor
9working areas
5programs, classroom to deployment
5live prototypes & programs you can visit
Where opportunities become pilots
This is where ideas and new technologies stop being opportunities and challenges — and become ready-to-market pilots, tested on real-life devices in controlled environments — accelerating innovation across the financial sector.
Ideas become projects: connected with partners, mentors and experts; tested across multiple scenarios; submitted to stress and security tests. And validated by users, vendors and providers on real platforms, devices and sandboxes — ATM, ITM, smartphones, cameras, wireless readers, APIs, web services and more.
One minute on the floor
Watch what the Lab is — narrated, in motion, in sixty seconds.
Explore the Lab
The Experimental Playground — The Intelligent Floor / The Open Sandbox / The Living Lab
The Lab runs on three playgrounds — interconnected, integrated, and at the service of the industry, stakeholders, partners and academia. Hardware experiments lean on the software rails, software experiments prove themselves on physical machines — and both are validated where it finally matters: with people.
The Intelligent Floor — the physical lab
Real hardware on a real floor. This is where our flagship Intelligent ATM Program operates.
Top-of-the-line ATM and ITM machines, wired for experimentation rather than production duty. They run face recognition, accept touchless cards, host interactive experiences, complete digital onboarding and close online purchases — and every interaction can be observed, measured and improved.
- Biometric flows tested on public-terminal hardware, not laptop webcams
- Contactless and card-present payment paths, end to end
- Onboarding a first-time user at a machine — the hardest UX in finance
- Purchases that begin online and finish at a terminal, or the reverse
The Open Sandbox — the software environment
Cloud and on-premise sandboxes of platforms, APIs, frameworks, web services, integrations and Anti-Money-Laundering compliance systems — where products and solutions are tested, interconnected, integrated and showcased before anyone signs anything.
Live in the Sandbox today: CEMI Cumplimiento — AML compliance platform (PLAFT/PADM)
The Lab is the integration of two playgrounds: the hardware floor, and these software sandboxes — APIs, frameworks, web services, integrations — where products and solutions are tested, interconnected, integrated and showcased — identity, payments, blockchain, AI services and data flows exercised against each other before anyone signs anything.
Test
Your product against realistic rails, data and adversaries.
Interconnect
Your APIs against other participants’ systems — the integration is the experiment.
Integrate
Into full journeys that end on the physical floor.
Showcase
To partners, sponsors and customers, on real machines instead of screenshots.
The Living Lab — the human playground
People are the third playground. The Living Lab is where technology meets its users under real conditions — social inclusion, capacity building, educational programs and user engagement. Three programs run here today; the floor is laid for customer-experience testing, user awareness and onboarding research.
Salud Financiera · Finanzas para Mujeres · Financial Calculators
Showcase — the Intelligent ATM Program
A live demo is public. No appointment, no sales call — the machine speaks for itself.
ibizai.ai/atm/launch → Nine working areas
Digital onboarding & identity
Face recognition, document capture and identity management tested where they are hardest: on a public terminal, with a first-time user.
Secure payments
Touchless cards, tokenization and blockchain settlement — exercised end to end on machines built to be attacked.
Financial inclusion
The bridge between banked and unbanked: assisted flows, low-literacy interfaces, cash-in/cash-out for people the system was not designed for.
Advisors, calculators & wizards
Financial guidance that meets people mid-transaction — on the terminal, in the browser, in the branch.
AI agents & agent swarms
Models, frameworks and multi-agent systems doing real financial work — and being measured while they do it.
Interconnection of systems & data
The unglamorous problem that decides everything else: making core systems, rails and data actually talk to each other.
Cybersecurity
Adversarial testing on the same floor where features are born — because a demo that has never been attacked is not a result.
Data protection
Personal and organizational data handled as a design constraint from the first sketch, not a compliance patch at the end.
Five programs, one floor
From a sketch to a deployment-grade pilot — and from a classroom to the floor — each door has a program, and each program ends with something you can show. Once a year, the whole floor becomes a racetrack.
Early Exploration
For ideas that deserve more than a document.
Turn a concept into a test pilot quickly: sketch the flow, mock what must be mocked, and put it on lab hardware in front of people. Learn whether the idea breathes before anyone builds it properly.
- Fast concept-to-pilot cycles on real machines
- Lab guidance on what to fake and what to build
- A clear go / pivot / stop signal at the end
Rapid Prototyping
For solutions that already work — somewhere safe.
Your product runs under real-life conditions: real machines, real integrations, unscripted users. The Lab instruments the whole run and hands you what a staging environment never can — evidence.
- Structured pilots on the ATM/ITM floor and in the sandboxes
- Security and data-protection review as part of the run
- A findings report you can put in front of a board or a regulator
FinLab Fellows
For business and academic researchers.
A residency with access to the floor, the sandboxes and anonymized interaction data. Study how people actually use financial technology — and publish. The Lab gets better questions; the field gets real answers.
- Research residencies for academia and industry
- Access to machines, sandboxes and observational data
- Publication encouraged — findings belong to the field
Internships
For undergraduate and technical-career students.
The Lab opens its floor to students on two paths: bring a project of your own and build it on technologies, software and devices no classroom has — or step into a live Lab project with real tasks, real roles and real responsibility. Either way, the practical hours your academic program requires get earned on working machines, not simulated ones.
- Your own project, on real equipment
- Assigned roles inside live Lab projects
- Practical hours certified for your academic program
The Annual Championship
For teams of students, professionals and organizations.
Once a year, the Lab sets a financial-innovation challenge and teams race it — closer to Formula 1 than to a hackathon. Each team is paired with or sponsored by a fintech startup, a financial institution or another organization, and builds toward a real, viable solution on the Lab’s machines and sandboxes.
- Teams backed by real sponsors, racing a real challenge
- Not a make-a-thon: nobody leaves with just a slide deck
- Every team crosses the line with a ready-to-market program, pilot or plan — everyone wins, including those who don’t
Join the Financial Innovation Lab — work with us
Partners
Bring your technology to the floor. Hardware, identity, payments, AI, security — integrate with the rest of the stack and be part of every pilot that touches your layer.
Sponsors
Back a bench, a zone or a named challenge. Your brand stands where the industry comes to test — and the results carry your name with them.
Customers
Banks, cooperatives, fintechs and retailers: commission private pilots, pre-deployment testing and proof-of-concept runs, with the Lab’s machines and instrumentation at your service.
Stakeholders
A door of its own for those the system must serve: small startups — fintechs, insurtechs, regtechs — testing technology they could never afford a floor for; and social and civic associations bringing consumer rights, privacy, accessibility and inclusion into the room where the technology is decided.
Existing and running programs
The Lab is not a promise — five working prototypes and programs are live and open to visit right now — one for each playground, and more: the Intelligent ATM above, the AML compliance platform, and these three.
Intelligent ATM Program
The flagship: interactive applications, e-commerce, onboarding and account opening, card issuance and AI on real machines — live demo above.
See the showcase ↑AML Compliance Platform
CEMI Cumplimiento: Anti-Money-Laundering compliance tools (PLAFT/PADM) — the Open Sandbox’s live project, operating today.
compliance.ibizai.ai →Salud Financiera
A financial-health learning experience on aiLearning’s Smoother platform — personal finance taught as capability, not lecture.
experiences.ailearning.global →Finanzas para Mujeres
A learning series on finance for women — financial inclusion as a program people actually complete, not a slogan.
experiences.ailearning.global →Financial Calculators
Twelve free calculators — mortgages, loans, savings, retirement, business planning — running entirely in the browser, explained in plain language.
ibizai.ai →Questions, answered
What exactly is the Financial Innovation Lab?
A physical playground plus software sandboxes, operated by CEMI with its IBizAI initiative. The floor holds advanced ATM/ITM machines wired for experimentation; the sandboxes let products connect, integrate and be showcased. Technology gets tested on real machines, with real people, under real conditions.
What can I actually test on the machines?
Face recognition, touchless cards, digital onboarding, interactive on-screen experiences, online-purchase flows that finish at a physical terminal, and the security around all of it. If your product touches the moment where money meets a machine, it can probably be tested here.
Who is the Lab for?
Banks, cooperatives, fintechs and retailers testing before deployment; researchers from business and academia studying how people really interact with financial technology; and builders with an idea that deserves a pilot rather than a slide.
Which program is for me?
Early Exploration turns an idea into a test pilot quickly, prototyping directly on lab hardware. Rapid Prototyping takes a solution that already works and runs it under real-life conditions on real machines, ending in a findings report. FinLab Fellows hosts business and academic researchers for deeper, longer questions. And Internships bring in undergraduate and technical-career students — on their own projects with real equipment, or in assigned roles inside Lab projects, earning the practical hours their academic programs require. And once a year, the Annual Championship pits sponsored teams of students, professionals and organizations against a financial-innovation challenge — every team finishing with a ready-to-market program, pilot or plan.
Is there a demo I can try right now?
Yes — the interactive ATM experience is public at ibizai.ai/atm/launch. It shows the bridge the Lab is built around: physical and digital, online and in-person, banked and unbanked, as one continuous flow.
How do partners and sponsors take part?
Partners bring technology to the floor and integrate it with the rest of the stack. Sponsors back a bench, a zone or a named challenge. Customers commission private pilots and pre-deployment testing. The form below reaches the team for all three.
Do you handle real customer data?
The Lab runs on test data and consenting participants. Data protection is one of the working areas — treated as something to design and test for, not a disclaimer.
Where do I start?
Send the form below with the track that fits you, or write to us on WhatsApp at +1 (849) 265-2665. If you are near the Lab, ask for a floor visit — the machines make a better argument than any deck.
Contact us. Work the floor. Raise the bar.
Tell us which door you are knocking on — the team answers all of them.