“Can Peru's largest microfinance bank modernise its core technology stack fast enough to deepen financial inclusion for micro and small enterprises across Latin America while defending against digital-native challengers?”
Mibanco – Banco de la Microempresa S.A. is Peru's largest microfinance bank and Latin America's largest microfinance lender, operating under the Credicorp group (which also owns BCP). It serves over 1.9 million active customers with a focus on micro and small enterprise credit. In 2022, it significantly upgraded its credit decisioning infrastructure using FICO Platform. In 2026, it announced a major core banking modernisation initiative with Temenos SaaS, signalling a shift from legacy infrastructure toward cloud-native operations to accelerate product launches and digital experiences.