DTX (Design Thinking + Experience) is Innova Black's proprietary method. It covers the three levels of credit production — Origination, Operation and Administration — under a single design framework, with AML/CFT compliance embedded and an AI-native stack on Anthropic Claude. It materializes into seven modular services that apply according to each institution's stage and regulatory figure.
Producing profitable, well-governed credit has three phases. Each level has its own stages, its own systems and its own regulatory risks. DTX connects them — from the first lead to the last peso recovered — with process discipline and regulatory traceability.
How clients enter your institution, how you know them and how you decide to lend. Here the design determines speed, cost per loan originated and the quality of the file that reaches the committee — and the regulator.
Multi-channel marketing, tracking by officer and source, lead scoring from the first contact.
Validation against SAT/RENAPO/CURP, restricted-persons lists, transactional profile and signed digital file.
Automated quantitative scoring for volume or assisted qualitative underwriting for high-ticket. The business model defines the mix.
Packet built with complete evidence, committee with live dashboard, automated generation of the offer instrument.
How you formalize the loan, disburse the money and book it accounting-wise. Here every error is legal contingency or an accounting deviation discovered months later — and always costs more than avoiding it would have.
Generation of contract, promissory note and collateral constitution from file data. Advanced electronic signature.
SPEI transfer or bank wire with automatic confirmation and immediate reconciliation against the ledger.
Booking under Mexican NIF standards, active portfolio registration and follow-up file opening — no manual capture.
How the portfolio is monitored, collected, reported to the regulator and risk-governed. The most expensive phase when done badly and the most profitable when done well — and where CNBV and UIF watch closely every close.
IFRS 9 staging, expected loss provisions, early-warning alerts and real-time dashboards for risk and management.
Automated generation at month-end with correct calculation of interest, default interest, fees and VAT. Integrated electronic invoice.
R01, R04, R10, R12, R13 generated from the live portfolio. No spreadsheet wrangling at close, no recurring observations.
Automated transactional surveillance, periodic watchlist review, ROR/ROI/ROIP generation to UIF via SITI.
Segmentation by delinquency scoring and origination cohort, documented restructures, escalation to judicial recovery.
Traditional consulting delivers documents: diagnostics, manuals, opinions. DTX delivers production architecture — systems running, files signed, reports generated from the live portfolio. If at project close there is nothing running, we are not done.
In consulting, the legal team reviews what the tech team built at the end — and gaps appear. In DTX the CNBV/UIF requirement is a design input from day one: every flow is built to survive a regulatory visit, not to be patched after.
Hourly fees reward slowness and leave the client with no predictability. DTX is quoted by project with scope, deliverables and price signed before we start. After go-live, DTX Retainer covers continuous operations with a fixed monthly fee.
Consulting ends with the handoff and leaves the client looking for an implementer. DTX covers the complete cycle — design, build and operations — with the same team. That eliminates the handoff, the "that was not in scope" and the risk of the system degrading in six months due to lack of qualified technical maintenance.
DTX is not a single product: it is a catalog of seven services built to combine according to the institution's current maturity, its stage in the cycle and the regulatory figure it operates. This table shows when each one applies.
| Capability | Function | Stage | When it applies |
|---|---|---|---|
| DTX Audit | Complimentary 45-minute diagnostic | Entry point | When you need an objective map of your technology maturity before committing budget. |
| DTX Launch | Greenfield regulatory technology stack | Greenfield stack | For new SOFOMs, SOFIPOs or IFPEs in formation that need a production architecture and CNBV authorization. |
| DTX Compliance | Automated AML/CFT compliance engine | AML/CFT engine | When your AML monitoring and UIF/SITI reporting no longer scale manually and you need auditable traceability. |
| DTX Intelligence | Data, analytics and AI agents platform | Data and AI agents | When your portfolio has enough volume to extract scoring, live regulatory dashboards and default prediction. |
| DTX Scale | Payments and processing rails | Payment rails | To integrate SPEI disbursement, automated reconciliation and recurring collection processing at scale. |
| DTX Upgrade | Legacy systems migration | Legacy migration | When a critical system (core, files, reporting) is throttling growth and needs non-destructive replacement. |
| DTX Retainer | Dedicated external team post-implementation | Continuous operations | After go-live: a dedicated external technology team to maintain, calibrate and update your stack against CNBV/UIF changes. |
DTX distributes compliance across two critical points in the cycle: client onboarding and continuous monitoring of activity. Alive in the system, instantly auditable, ready for any CNBV inspection or UIF request.
Initial KYC: identification, watchlist screening, transactional profile, signed digital file from day one.
Cross-validation: KYC data flows into contract, disbursement and accounting. No double capture, no discrepancies.
Continuous monitoring: automated transactional surveillance, watchlists reviewed periodically, ROR/ROI/ROIP reporting to UIF.
Compliance aligned with LFPIORPI (Mexican AML statute), Article 115 LIC and CNBV AML/CFT provisions — operating live, not as dead paperwork.
A 45-minute session with a senior consultant who maps your Origination, Operation and Administration today — and delivers an executive report with maturity scoring, sector benchmark and 90-day plan. No cost. No commitment. The report stays with you, whether or not you engage us.
