Innovation and Efficiency in Fintech: Toqio and Gradiant Leverage Advanced Data Technologies
Supported by AEI under the CPP 2021 call, Toqio’s project is set to revolutionize financial management.
The partnership between Toqio, a leading fintech company, and Gradiant, a prominent ICT technology center, aims to enhance data management within the financial sector. The main goal is to implement an advanced data architecture that transforms company operations with a data-driven approach. This will enable Toqio to optimize data quality and governance, providing mechanisms to support informed decision-making, address key business challenges, and improve competitiveness in the sector. The project utilizes innovations in data quality, lineage, data lakes, and AI applied to fraud detection, credit scoring, and customer retention.
Through this initiative, Toqio aims to build a robust and modern platform for more efficient data management and utilization, boosting its position as a leader in data-driven financial technology. This research project is supported by the State Research Agency (AEI) under the 2021 Public-Private Partnership Projects (CPP) call.
As Rafael Martínez, Technical Lead of Big Data Analytics at Gradiant, explains, “This collaboration is allowing us to understand and address the most pressing data challenges in the fintech sector today.”
Data Quality and Traceability
Currently, the project is in the phase of integrating data technologies. Gradiant and Toqio are focusing on embedding key technologies into the fintech’s operational environment, with a particular emphasis on monitoring data quality and traceability in daily processes.
So far, the project has provided a deep understanding of Toqio’s systems and specific needs, allowing for the development of use cases tailored to their real-world operations. This stage has enabled the implementation of innovative solutions that reinforce data quality, observability, and governance—crucial for fostering a data-driven business culture.
The final phase of the project will focus on maximizing the potential of the new data lake architecture. A data lake is a storage infrastructure that allows for the management and analysis of large volumes of data in various formats. This system facilitates the creation of machine learning (ML) models in critical areas such as fraud analysis and credit scoring. This approach will enable Toqio to enhance strategic decision-making, supported by high-quality data and advanced analytics.
