Financial Innovation Lab
The Experimental Areas
Intelligent Machines / The Virtual Financial Ecosystem / The Open Sandbox / The Living Lab
The Lab runs on four experimental areas — 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 exercised against a simulated financial ecosystem — before all of it is validated where it finally matters: with people.
Intelligent Machines — the physical lab
The latest generation of ATM/ITM and self-service hardware, enabled and enhanced with artificial intelligence — real machines 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 Virtual Financial Ecosystem — two branches
The Virtual Financial Ecosystem has two branches: the Transactional Ecosystem, a digital twin of the financial ecosystem that runs today, and the Economic Mirror, a simulation of an economy and its capital market, in development.
Branch 1 — the Transactional Ecosystem: a digital twin of the financial ecosystem
Simulated banks, the Central Bank’s rails — the LBTR and the instant-payments system SGPI — card networks and acquirers, electronic-payment entities, credit bureaus, identity, regulators and the financial-intelligence unit. All of them speak real formats, keep real state and obey the Reglamento de Sistemas de Pago, so an application runs a whole process end to end without touching a single real institution.
Today this is a simulation, not a digital twin in the strict sense: there is not yet a finished system to be a twin of, since the instant-payments system is being built now. Our aim is to become the true digital twin of the Dominican financial ecosystem as it takes shape, following the work and guidelines of the Central Bank, the Superintendencia and the industry.
One synthetic population moves through every counterpart, so a process that crosses six organizations is exercised as one process, under the rules that will apply when it is real: onboarding to settlement, a card cycle, a suspicious-transaction report. No real people, no real money — and an instrumented report at the end.
- Central Bank
- LBTR
- SGPI · instant payments
- Banks
- Electronic-payment entities
- Acquirers & sub-acquirers
- Card networks
- Credit bureaus
- Identity
- Regulators
- Financial-intelligence unit
Ready for 2027, today.
Branch 2 — the Economic Mirror In development
A simulation of an economy and its capital market, designed to model the impact of financial operations, policy and regulatory changes — a capital-market reform, the interoperability of stock exchanges, mergers of institutions, new securities products — on the economy’s indicators and sectors, and to measure the accuracy of its own predictions. It is in development: there is no model yet, and it produces no results today. Its future home is mirror.financialecosystem.io.
The Open Sandbox — the software environment
Cloud and on-premise environments of platforms, APIs, frameworks, web services, integrations and Anti-Money-Laundering compliance systems — plus agents, skills, plugins, data connectors, wrappers and enterprise capabilities — where products and solutions are tested, interconnected, integrated and showcased before anyone signs anything.
Live in the Open Sandbox today: Financial Services AI Toolkit — 40+ agents, skills, plugins, connectors and integrations · CEMI Cumplimiento — AML compliance platform (PLAFT/PADM)
The Lab is the integration of four experimental areas; two of them are software: the simulated ecosystem, and the Open Sandbox — 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 experimental area
People are the fourth experimental area. The Living Lab is where technology meets its users under real conditions — social inclusion, capacity building, educational programs and user engagement. Programs already run here today; the floor is laid for customer-experience testing, user awareness and onboarding research.
Financial Health (Salud Financiera) · Finance for Women (Finanzas para Mujeres) · Financial Calculators
