AI in Financial Services · AI amplifies proprietary risk models but does not replace domain expertise in credit decisions

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itnig

Han financiado 1.000M$ sin una sola pérdida | Twinco Capital

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AI amplifies proprietary risk models but does not replace domain expertise in credit decisions

2026-07-09 · 2 company · 5 thematic

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speakers

sandra nolasco

Former Santander executive (equities, strategic investments, project finance in energy/infrastructure) who joined Twinco to combine technology innovation with social impact in emerging-market manufacturing finance. Portuguese background, experience at Fortis Bank in commodity finance.

carmen marín

Former BBVA international trade finance executive (commodities, project finance, supply chain finance) who left to build Twinco, a purchase-order financing platform for emerging-market manufacturers. 20+ years in trade finance.

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Purchase-order financing at scale creates new asset class with near-zero defaults in emerging markets

Financing from purchase order through delivery using proprietary transaction-data underwriting — instead of financial statements — structurally lowers credit risk in emerging-market manufac…

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First purchase-order securitization unlocks institutional capital for emerging-market manufacturing

Structuring purchase-order receivables into an EU-regulated SPV with first-loss equity from the originator and senior debt from Santander transforms fragmented trade receivables into invest…

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Real-time supply-chain transaction data replaces financial statements for credit underwriting in opaque markets

Daily purchase-order, shipment, and invoice flows provide a live, portfolio-level view of supplier performance that is far more predictive than annual audited financials in emerging markets…

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Sustainability criteria function as leading credit-risk indicators in supply-chain finance

Suppliers meeting ESG standards (labor, environmental, governance) show more stable long-term buyer relationships and lower default probability; embedding these criteria into pricing create…

AI in Financial Servicestailwindscore 7/10sandra nolasco

AI amplifies proprietary risk models but does not replace domain expertise in credit decisions

Generative AI and ML boost productivity in processing transaction data and generating risk signals, yet the core credit logic remains rooted in decades of trade-finance expertise — AI is an…