{"id":23630,"date":"2025-08-26T03:13:21","date_gmt":"2025-08-26T07:13:21","guid":{"rendered":"https:\/\/factorit.com\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/"},"modified":"2025-09-29T12:38:35","modified_gmt":"2025-09-29T15:38:35","slug":"santander-and-openai-towards-the-first-native-artificial-intelligence-bank","status":"publish","type":"post","link":"https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/","title":{"rendered":"Santander and OpenAI: towards the first native artificial intelligence bank"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"23630\" class=\"elementor elementor-23630 elementor-23228\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3485f34 e-con-full e-flex e-con e-parent\" data-id=\"3485f34\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1030121 e-con-full e-flex e-con e-child\" data-id=\"1030121\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-35cc468 e-con-full e-flex e-con e-child\" data-id=\"35cc468\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0b609a5 e-con-full e-flex e-con e-child\" data-id=\"0b609a5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_effects_offset&quot;:100,&quot;sticky_on&quot;:[&quot;widescreen&quot;,&quot;desktop&quot;,&quot;laptop&quot;,&quot;tablet_extra&quot;,&quot;tablet&quot;,&quot;mobile_extra&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t<div class=\"elementor-element elementor-element-3232421 e-con-full e-flex e-con e-child\" data-id=\"3232421\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80ef297 elementor-widget elementor-widget-theme-site-logo elementor-widget-image\" data-id=\"80ef297\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-site-logo.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/factorit.com\/en\/\">\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"265\" height=\"207\" src=\"https:\/\/factorit.com\/wp-content\/uploads\/2024\/07\/Logo.png\" class=\"attachment-full size-full wp-image-20264\" alt=\"\" \/>\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-afd0723 e-con-full e-flex e-con e-child\" data-id=\"afd0723\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1257d07 elementor-nav-menu__align-center elementor-nav-menu--dropdown-mobile elementor-widget-laptop__width-inherit elementor-widget-tablet_extra__width-inherit elementor-widget__width-inherit elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"1257d07\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; class=\\&quot;e-font-icon-svg e-fas-angle-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;layout&quot;:&quot;horizontal&quot;,&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Men\u00fa\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-none\">\n\t\t\t\t<ul id=\"menu-1-1257d07\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-21928\"><a href=\"#\" class=\"elementor-item elementor-item-anchor\">Services<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-21922\"><a href=\"https:\/\/factorit.com\/en\/strategic-consulting\/\" class=\"elementor-sub-item\">Strategic Consulting<\/a>\n\t<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21903\"><a href=\"https:\/\/factorit.com\/en\/data-protection-act\/\" class=\"elementor-sub-item\">Data Protection Act<\/a><\/li>\n\t<\/ul>\n<\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21923\"><a href=\"https:\/\/factorit.com\/en\/support-and-continuity\/\" class=\"elementor-sub-item\">Support and Continuity<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21905\"><a href=\"https:\/\/factorit.com\/en\/digital-transformation-and-development\/\" class=\"elementor-sub-item\">Digital Transformation and Development<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21902\"><a href=\"https:\/\/factorit.com\/en\/data-analytics\/\" class=\"elementor-sub-item\">Data &amp; Analytics<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-21929\"><a href=\"#\" class=\"elementor-item elementor-item-anchor\">Industries<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21924\"><a href=\"https:\/\/factorit.com\/en\/telecommunications\/\" class=\"elementor-sub-item\">Telecommunications<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21907\"><a href=\"https:\/\/factorit.com\/en\/financial-services\/\" class=\"elementor-sub-item\">Financial Services<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21920\"><a href=\"https:\/\/factorit.com\/en\/retail\/\" class=\"elementor-sub-item\">Retail<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21918\"><a href=\"https:\/\/factorit.com\/en\/natural-resources\/\" class=\"elementor-sub-item\">Natural Resources<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21916\"><a href=\"https:\/\/factorit.com\/en\/logistics\/\" class=\"elementor-sub-item\">Logistics<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21909\"><a href=\"https:\/\/factorit.com\/en\/government\/\" class=\"elementor-sub-item\">Government<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21906\"><a href=\"https:\/\/factorit.com\/en\/education\/\" class=\"elementor-sub-item\">Education<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21901\"><a href=\"https:\/\/factorit.com\/en\/cpg-consumer-packaged-goods\/\" class=\"elementor-sub-item\">CPG (Consumer Packaged Goods)<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-24610\"><a href=\"https:\/\/factorit.com\/en\/use-cases\/\" class=\"elementor-item\">Use Cases<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24611\"><a href=\"https:\/\/factorit.com\/en\/audio-analytics-for-operational-improvement\/\" class=\"elementor-sub-item\">Audio Analytics for Operational Improvement<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24612\"><a href=\"https:\/\/factorit.com\/en\/routing-optimization-and-intelligent-tracking\/\" class=\"elementor-sub-item\">Routing Optimization and Intelligent Tracking<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24613\"><a href=\"https:\/\/factorit.com\/en\/virtual-coaching-tool-for-agents\/\" class=\"elementor-sub-item\">Virtual Coaching Tool for Agents<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-21913\"><a href=\"https:\/\/factorit.com\/en\/insights\/\" class=\"elementor-item\">Insights<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-21930\"><a href=\"#\" class=\"elementor-sub-item elementor-item-anchor\">Tendencies<\/a>\n\t<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-22538\"><a href=\"https:\/\/factorit.com\/en\/responsible-ia-ethics-and-privacy-by-design\/\" class=\"elementor-sub-item\">Responsible IA: Ethics and Privacy by Design<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21911\"><a href=\"https:\/\/factorit.com\/en\/how-intelligent-monitoring-is-revolutionizing-the-customer-experience-in-retail-and-banking\/\" class=\"elementor-sub-item\">How Intelligent Monitoring is Revolutionizing the Customer Experience in Retail and Banking<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21917\"><a href=\"https:\/\/factorit.com\/en\/microservices-and-artificial-intelligence-revolutionizing-e-commerce-and-beyond\/\" class=\"elementor-sub-item\">Microservices and Artificial Intelligence: Revolutionizing E-Commerce and Beyond<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21915\"><a href=\"https:\/\/factorit.com\/en\/legacy-application-modernization-key-to-agility-and-scalability-in-digital-transformation\/\" class=\"elementor-sub-item\">Legacy Application Modernization: Key to Agility and Scalability in Digital Transformation<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21919\"><a href=\"https:\/\/factorit.com\/en\/qa-automation-in-digital-transformation-ensuring-quality-in-agile-development\/\" class=\"elementor-sub-item\">QA Automation in Digital Transformation: Ensuring Quality in Agile Development<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21904\"><a href=\"https:\/\/factorit.com\/en\/digital-experience-and-ux-ui-design-creating-connections-that-drive-user-loyalty\/\" class=\"elementor-sub-item\">Digital Experience and UX\/UI Design: Creating Connections that Drive User Loyalty<\/a><\/li>\n\t<\/ul>\n<\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-21931\"><a href=\"#\" class=\"elementor-sub-item elementor-item-anchor\">Events<\/a>\n\t<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21908\"><a href=\"https:\/\/factorit.com\/en\/fourth-cybersecurity-championship\/\" class=\"elementor-sub-item\">Fourth Cybersecurity Championship<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21910\"><a href=\"https:\/\/factorit.com\/en\/great-conversations-in-an-experience-with-good-friends\/\" class=\"elementor-sub-item\">Great conversations in an experience with good friends<\/a><\/li>\n\t<\/ul>\n<\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23968\"><a href=\"https:\/\/factorit.com\/en\/blog\/\" class=\"elementor-sub-item\">Blog<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21927\"><a href=\"https:\/\/factorit.com\/en\/who-we-are\/\" class=\"elementor-item\">Who we are<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21914\"><a href=\"https:\/\/factorit.com\/en\/join-the-team\/\" class=\"elementor-item\">Join the team<\/a><\/li>\n<li class=\"menu-item wpml-ls-slot-135 wpml-ls-item wpml-ls-item-en wpml-ls-current-language wpml-ls-menu-item wpml-ls-last-item menu-item-type-wpml_ls_menu_item menu-item-object-wpml_ls_menu_item menu-item-has-children menu-item-wpml-ls-135-en\"><a href=\"https:\/\/factorit.com\/en\/\" aria-current=\"page\" aria-expanded=\"false\" aria-controls=\"wpml-ls-submenu-wpml-ls-135-en\" class=\"elementor-item\"><img decoding=\"async\"\n            class=\"wpml-ls-flag\"\n            src=\"https:\/\/factorit.com\/wp-content\/plugins\/sitepress-multilingual-cms\/res\/flags\/en.svg\"\n            alt=\"English\"\n            loading=\"lazy\"\n            width=25\n            height=25\n    \/><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item wpml-ls-slot-135 wpml-ls-item wpml-ls-item-es wpml-ls-menu-item wpml-ls-first-item menu-item-type-wpml_ls_menu_item menu-item-object-wpml_ls_menu_item menu-item-wpml-ls-135-es\"><a href=\"https:\/\/factorit.com\/\" title=\"Switch to Spanish\" aria-label=\"Switch to Spanish\" class=\"elementor-sub-item\"><img decoding=\"async\"\n            class=\"wpml-ls-flag\"\n            src=\"https:\/\/factorit.com\/wp-content\/plugins\/sitepress-multilingual-cms\/res\/flags\/es.svg\"\n            alt=\"Spanish\"\n            loading=\"lazy\"\n            width=25\n            height=25\n    \/><\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-1257d07\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-21928\"><a href=\"#\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Services<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-21922\"><a href=\"https:\/\/factorit.com\/en\/strategic-consulting\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Strategic Consulting<\/a>\n\t<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21903\"><a href=\"https:\/\/factorit.com\/en\/data-protection-act\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Data Protection Act<\/a><\/li>\n\t<\/ul>\n<\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21923\"><a href=\"https:\/\/factorit.com\/en\/support-and-continuity\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Support and Continuity<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21905\"><a href=\"https:\/\/factorit.com\/en\/digital-transformation-and-development\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Digital Transformation and Development<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21902\"><a href=\"https:\/\/factorit.com\/en\/data-analytics\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Data &amp; Analytics<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-21929\"><a href=\"#\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Industries<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21924\"><a href=\"https:\/\/factorit.com\/en\/telecommunications\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Telecommunications<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21907\"><a href=\"https:\/\/factorit.com\/en\/financial-services\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Financial Services<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21920\"><a href=\"https:\/\/factorit.com\/en\/retail\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Retail<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21918\"><a href=\"https:\/\/factorit.com\/en\/natural-resources\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Natural Resources<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21916\"><a href=\"https:\/\/factorit.com\/en\/logistics\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Logistics<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21909\"><a href=\"https:\/\/factorit.com\/en\/government\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Government<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21906\"><a href=\"https:\/\/factorit.com\/en\/education\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Education<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21901\"><a href=\"https:\/\/factorit.com\/en\/cpg-consumer-packaged-goods\/\" class=\"elementor-sub-item\" tabindex=\"-1\">CPG (Consumer Packaged Goods)<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-24610\"><a href=\"https:\/\/factorit.com\/en\/use-cases\/\" class=\"elementor-item\" tabindex=\"-1\">Use Cases<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24611\"><a href=\"https:\/\/factorit.com\/en\/audio-analytics-for-operational-improvement\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Audio Analytics for Operational Improvement<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24612\"><a href=\"https:\/\/factorit.com\/en\/routing-optimization-and-intelligent-tracking\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Routing Optimization and Intelligent Tracking<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-24613\"><a href=\"https:\/\/factorit.com\/en\/virtual-coaching-tool-for-agents\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Virtual Coaching Tool for Agents<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-21913\"><a href=\"https:\/\/factorit.com\/en\/insights\/\" class=\"elementor-item\" tabindex=\"-1\">Insights<\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-21930\"><a href=\"#\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Tendencies<\/a>\n\t<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-22538\"><a href=\"https:\/\/factorit.com\/en\/responsible-ia-ethics-and-privacy-by-design\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Responsible IA: Ethics and Privacy by Design<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21911\"><a href=\"https:\/\/factorit.com\/en\/how-intelligent-monitoring-is-revolutionizing-the-customer-experience-in-retail-and-banking\/\" class=\"elementor-sub-item\" tabindex=\"-1\">How Intelligent Monitoring is Revolutionizing the Customer Experience in Retail and Banking<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21917\"><a href=\"https:\/\/factorit.com\/en\/microservices-and-artificial-intelligence-revolutionizing-e-commerce-and-beyond\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Microservices and Artificial Intelligence: Revolutionizing E-Commerce and Beyond<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21915\"><a href=\"https:\/\/factorit.com\/en\/legacy-application-modernization-key-to-agility-and-scalability-in-digital-transformation\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Legacy Application Modernization: Key to Agility and Scalability in Digital Transformation<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21919\"><a href=\"https:\/\/factorit.com\/en\/qa-automation-in-digital-transformation-ensuring-quality-in-agile-development\/\" class=\"elementor-sub-item\" tabindex=\"-1\">QA Automation in Digital Transformation: Ensuring Quality in Agile Development<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21904\"><a href=\"https:\/\/factorit.com\/en\/digital-experience-and-ux-ui-design-creating-connections-that-drive-user-loyalty\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Digital Experience and UX\/UI Design: Creating Connections that Drive User Loyalty<\/a><\/li>\n\t<\/ul>\n<\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-21931\"><a href=\"#\" class=\"elementor-sub-item elementor-item-anchor\" tabindex=\"-1\">Events<\/a>\n\t<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21908\"><a href=\"https:\/\/factorit.com\/en\/fourth-cybersecurity-championship\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Fourth Cybersecurity Championship<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21910\"><a href=\"https:\/\/factorit.com\/en\/great-conversations-in-an-experience-with-good-friends\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Great conversations in an experience with good friends<\/a><\/li>\n\t<\/ul>\n<\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-23968\"><a href=\"https:\/\/factorit.com\/en\/blog\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Blog<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21927\"><a href=\"https:\/\/factorit.com\/en\/who-we-are\/\" class=\"elementor-item\" tabindex=\"-1\">Who we are<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-21914\"><a href=\"https:\/\/factorit.com\/en\/join-the-team\/\" class=\"elementor-item\" tabindex=\"-1\">Join the team<\/a><\/li>\n<li class=\"menu-item wpml-ls-slot-135 wpml-ls-item wpml-ls-item-en wpml-ls-current-language wpml-ls-menu-item wpml-ls-last-item menu-item-type-wpml_ls_menu_item menu-item-object-wpml_ls_menu_item menu-item-has-children menu-item-wpml-ls-135-en\"><a href=\"https:\/\/factorit.com\/en\/\" aria-current=\"page\" aria-expanded=\"false\" aria-controls=\"wpml-ls-submenu-wpml-ls-135-en\" class=\"elementor-item\" tabindex=\"-1\"><img decoding=\"async\"\n            class=\"wpml-ls-flag\"\n            src=\"https:\/\/factorit.com\/wp-content\/plugins\/sitepress-multilingual-cms\/res\/flags\/en.svg\"\n            alt=\"English\"\n            loading=\"lazy\"\n            width=25\n            height=25\n    \/><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item wpml-ls-slot-135 wpml-ls-item wpml-ls-item-es wpml-ls-menu-item wpml-ls-first-item menu-item-type-wpml_ls_menu_item menu-item-object-wpml_ls_menu_item menu-item-wpml-ls-135-es\"><a href=\"https:\/\/factorit.com\/\" title=\"Switch to Spanish\" aria-label=\"Switch to Spanish\" class=\"elementor-sub-item\" tabindex=\"-1\"><img decoding=\"async\"\n            class=\"wpml-ls-flag\"\n            src=\"https:\/\/factorit.com\/wp-content\/plugins\/sitepress-multilingual-cms\/res\/flags\/es.svg\"\n            alt=\"Spanish\"\n            loading=\"lazy\"\n            width=25\n            height=25\n    \/><\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a0023b e-flex e-con-boxed e-con e-parent\" data-id=\"2a0023b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-258c322 e-con-full e-flex e-con e-child\" data-id=\"258c322\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-160a68e e-con-full e-flex e-con e-child\" data-id=\"160a68e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-176f708 e-con-full e-flex e-con e-child\" data-id=\"176f708\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26f713b elementor-widget elementor-widget-heading\" data-id=\"26f713b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Explore:<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35a1cb3 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"35a1cb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook-f elementor-repeater-item-3d4d16f\" href=\"https:\/\/web.facebook.com\/FactorITLatam\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook-f<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-facebook-f\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M279.14 288l14.22-92.66h-88.91v-60.13c0-25.35 12.42-50.06 52.24-50.06h40.42V6.26S260.43 0 225.36 0c-73.22 0-121.08 44.38-121.08 124.72v70.62H22.89V288h81.39v224h100.17V288z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-b9433ea\" href=\"https:\/\/www.instagram.com\/factorit.latam\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-instagram\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.1 141c-63.6 0-114.9 51.3-114.9 114.9s51.3 114.9 114.9 114.9S339 319.5 339 255.9 287.7 141 224.1 141zm0 189.6c-41.1 0-74.7-33.5-74.7-74.7s33.5-74.7 74.7-74.7 74.7 33.5 74.7 74.7-33.6 74.7-74.7 74.7zm146.4-194.3c0 14.9-12 26.8-26.8 26.8-14.9 0-26.8-12-26.8-26.8s12-26.8 26.8-26.8 26.8 12 26.8 26.8zm76.1 27.2c-1.7-35.9-9.9-67.7-36.2-93.9-26.2-26.2-58-34.4-93.9-36.2-37-2.1-147.9-2.1-184.9 0-35.8 1.7-67.6 9.9-93.9 36.1s-34.4 58-36.2 93.9c-2.1 37-2.1 147.9 0 184.9 1.7 35.9 9.9 67.7 36.2 93.9s58 34.4 93.9 36.2c37 2.1 147.9 2.1 184.9 0 35.9-1.7 67.7-9.9 93.9-36.2 26.2-26.2 34.4-58 36.2-93.9 2.1-37 2.1-147.8 0-184.8zM398.8 388c-7.8 19.6-22.9 34.7-42.6 42.6-29.5 11.7-99.5 9-132.1 9s-102.7 2.6-132.1-9c-19.6-7.8-34.7-22.9-42.6-42.6-11.7-29.5-9-99.5-9-132.1s-2.6-102.7 9-132.1c7.8-19.6 22.9-34.7 42.6-42.6 29.5-11.7 99.5-9 132.1-9s102.7-2.6 132.1 9c19.6 7.8 34.7 22.9 42.6 42.6 11.7 29.5 9 99.5 9 132.1s2.7 102.7-9 132.1z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-82a6cda\" href=\"http:\/\/www.linkedin.com\/company\/factorit\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0faad5b e-con-full e-flex e-con e-child\" data-id=\"0faad5b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-395ffdc elementor-widget elementor-widget-image-box\" data-id=\"395ffdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Santander and OpenAI: towards the first native artificial intelligence bank<\/h4><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e2fe0c elementor-widget elementor-widget-image-box\" data-id=\"7e2fe0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-description\"><u><b>Banco Santander<\/b> <\/u>has just taken a decisive step in its technology strategy: a partnership with OpenAI to accelerate its transformation into an \"AI-native bank\". With 15,000 employees in Europe and the Americas already using ChatGPT Enterprise in their daily tasks - one of the fastest deployments in the world - the Spanish bank is looking to make artificial intelligence not just another tool, but the core of its operations. Its ambition: for every decision, process and banking interaction to be powered by data and artificial intelligence (source: Expansi\u00f3n, August 2025).  <\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e19d7ae elementor-widget elementor-widget-image-box\" data-id=\"e19d7ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">The agreement with OpenAI and the new working model<\/h4><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0e9a98 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget-laptop__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b0e9a98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Santander, chaired by Ana Bot\u00edn, signed a collaboration agreement with the creator of ChatGPT to integrate generative AI into its day-to-day business. Ricardo Mart\u00edn Manj\u00f3n, Global Head of Data and AI (ex-BBVA), leads the strategy, reporting directly to the Chairman. <\/p><p>In just two months, <strong>15,000 employees in various areas &#8211; from marketing to software developers and commercial bankers &#8211; are already using ChatGPT Enterprise<\/strong>, with the goal of reaching 30,000 by the end of 2025, which will represent around 15% of the global workforce. According to the executive, these tools increase productivity by <strong>20-30% in specific tasks<\/strong>, save time and free up human capital for higher-value work. <\/p><p>The financial impact is already tangible: in 2024, the application of AI initiatives allowed Santander to <strong>save more than \u20ac200 million and free up more than 100,000 hours per year<\/strong> that are now redirected to strategic processes. The bank is committed to making AI increasingly &#8220;invisible&#8221; to the user, integrated naturally into the banking experience. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4cc3e5 elementor-widget elementor-widget-image-box\" data-id=\"c4cc3e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">The global wave: banks already putting AI at the core<\/h4><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54c78cd elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget-laptop__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"54c78cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Santander&#8217;s move is not isolated. Globally, large banks are vying to become AI-powered institutions: <\/p><ul><li><strong>JPMorgan Chase (USA)<\/strong> employs AI in fraud detection and automated financial advice.<\/li><li><strong>HSBC (UK)<\/strong> integrates predictive models to manage risk and personalize digital experiences.<\/li><li><strong>BBVA (Spain\/Mexico\/Turkey)<\/strong> expands its &#8220;AI factory&#8221; to new markets and experiments with generative AI in internal processes.<\/li><li><strong>Asian banks (China, Japan, India)<\/strong> lead in the use of intelligent agents and advanced chatbots, with strong investment in automation of critical processes and customer experience.<\/li><\/ul><p>International consulting firms (McKinsey, Deloitte, BCG) project that by <strong>2030 banks will be &#8220;AI-native&#8221;,<\/strong> where all operations &#8211; from risk management to customer service &#8211; will be powered by intelligent models (sources: Funds Society, Oracle, ITSitio, ALS Innovation, BBVA, August 2025). <\/p><p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afb2c7f elementor-widget elementor-widget-image-box\" data-id=\"afb2c7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">  Impacts and lessons learned for Latin America<\/h4><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-917e804 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget-laptop__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"917e804\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Santander is a player with a strong presence in Latin America, and its strategy sets a precedent for the region. Latin American banking has already advanced in digitization, but AI still lags behind: less than 40% of banks have actually implemented it (source: Infocorp, Uruguay, 2025). Here, Santander&#8217;s learnings can accelerate the curve:  <\/p><ul><li><strong>Measurable productivity<\/strong>: 20-30% increases in internal processes.<\/li><li><strong>Financial efficiency<\/strong>: savings of hundreds of millions of euros.<\/li><li><strong>Change management<\/strong>: gradual incorporation of employees to new tools, with impact metrics.<\/li><\/ul><p>In Latin America, fintechs in Mexico, Colombia and Brazil are already exploring generative AI for microcredit, customer service and alternative scoring. However, barriers persist: resistant organizational culture, poorly adapted regulatory frameworks, legacy systems and a shortage of AI talent. Santander can become a catalyst by sharing best practices and learnings from its global deployment.  <\/p><p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2df856 elementor-widget elementor-widget-image-box\" data-id=\"d2df856\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Strategic recommendations from consulting firms<\/h4><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d3c71c elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget-laptop__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6d3c71c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>According to McKinsey, Deloitte and BCG, accelerating AI adoption in banking requires:<\/p><ul><li><strong>Cultural transformation<\/strong>: fostering a digital and innovative mindset throughout the organization.<\/li><li><strong>Flexible technological infrastructure<\/strong>: modernize banking cores with modular and cloud architectures.<\/li><li><strong>Specialized talent<\/strong>: train and retain experts in data, MLOps and AI ethics.<\/li><li><strong>Strategic alliances<\/strong>: working with technologies such as OpenAI, Microsoft and Google to accelerate secure and scalable deployment.<\/li><li><strong>Balanced regulation<\/strong>: regulatory frameworks that protect data and consumers, but do not stifle innovation.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8dd0996 elementor-widget elementor-widget-image-box\" data-id=\"8dd0996\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">The bank of the future<\/h4><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f3acf6 elementor-widget__width-inherit elementor-widget-tablet__width-inherit elementor-widget-laptop__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2f3acf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Santander-OpenAI alliance is not just an efficiency project: it is the basis of a <strong>new banking model<\/strong> where artificial intelligence becomes organizational DNA. For the region, the case reinforces a clear lesson: <strong>AI is not an add-on, it is the next critical infrastructure of the financial system<\/strong>. <\/p><p>At FactorIT we observe that projects of this magnitude only prosper when they are managed with a holistic vision: technology, culture, regulation and processes must move forward in sync. The future of banking will be AI-native, and those who make the early leap will define the standards of the next decade. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-428d81e e-con-full e-flex e-con e-child\" data-id=\"428d81e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4197be elementor-widget elementor-widget-heading\" data-id=\"f4197be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Explore:<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2782211 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"2782211\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook-f elementor-repeater-item-3d4d16f\" href=\"https:\/\/web.facebook.com\/FactorITLatam\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook-f<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-facebook-f\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M279.14 288l14.22-92.66h-88.91v-60.13c0-25.35 12.42-50.06 52.24-50.06h40.42V6.26S260.43 0 225.36 0c-73.22 0-121.08 44.38-121.08 124.72v70.62H22.89V288h81.39v224h100.17V288z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-b9433ea\" href=\"https:\/\/www.instagram.com\/factorit.latam\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-instagram\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.1 141c-63.6 0-114.9 51.3-114.9 114.9s51.3 114.9 114.9 114.9S339 319.5 339 255.9 287.7 141 224.1 141zm0 189.6c-41.1 0-74.7-33.5-74.7-74.7s33.5-74.7 74.7-74.7 74.7 33.5 74.7 74.7-33.6 74.7-74.7 74.7zm146.4-194.3c0 14.9-12 26.8-26.8 26.8-14.9 0-26.8-12-26.8-26.8s12-26.8 26.8-26.8 26.8 12 26.8 26.8zm76.1 27.2c-1.7-35.9-9.9-67.7-36.2-93.9-26.2-26.2-58-34.4-93.9-36.2-37-2.1-147.9-2.1-184.9 0-35.8 1.7-67.6 9.9-93.9 36.1s-34.4 58-36.2 93.9c-2.1 37-2.1 147.9 0 184.9 1.7 35.9 9.9 67.7 36.2 93.9s58 34.4 93.9 36.2c37 2.1 147.9 2.1 184.9 0 35.9-1.7 67.7-9.9 93.9-36.2 26.2-26.2 34.4-58 36.2-93.9 2.1-37 2.1-147.8 0-184.8zM398.8 388c-7.8 19.6-22.9 34.7-42.6 42.6-29.5 11.7-99.5 9-132.1 9s-102.7 2.6-132.1-9c-19.6-7.8-34.7-22.9-42.6-42.6-11.7-29.5-9-99.5-9-132.1s-2.6-102.7 9-132.1c7.8-19.6 22.9-34.7 42.6-42.6 29.5-11.7 99.5-9 132.1-9s102.7-2.6 132.1 9c19.6 7.8 34.7 22.9 42.6 42.6 11.7 29.5 9 99.5 9 132.1s2.7 102.7-9 132.1z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-82a6cda\" href=\"http:\/\/www.linkedin.com\/company\/factorit\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-65eadcd e-con-full e-flex e-con e-child\" data-id=\"65eadcd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-02fd949 e-con-full e-flex e-con e-child\" data-id=\"02fd949\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8faf9f5 elementor-widget elementor-widget-heading\" data-id=\"8faf9f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">More Articles:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf16868 elementor-grid-1 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"cf16868\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;classic_row_gap_widescreen&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-24051 post type-post status-publish format-standard has-post-thumbnail hentry category-sin-categoria\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/factorit.com\/en\/november-28-2025-are-your-systems-ready-for-a-glitch-free-black-friday-how-observability-can-save-millions-in-latam\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"2048\" height=\"578\" src=\"https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/1-compras_Mesa-de-trabajo-1_compressed.jpg\" class=\"attachment-full size-full wp-image-24062\" alt=\"\" srcset=\"https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/1-compras_Mesa-de-trabajo-1_compressed.jpg 2048w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/1-compras_Mesa-de-trabajo-1_compressed-300x85.jpg 300w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/1-compras_Mesa-de-trabajo-1_compressed-1024x289.jpg 1024w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/1-compras_Mesa-de-trabajo-1_compressed-768x217.jpg 768w\" sizes=\"(max-width: 2048px) 100vw, 2048px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/factorit.com\/en\/november-28-2025-are-your-systems-ready-for-a-glitch-free-black-friday-how-observability-can-save-millions-in-latam\/\" >\n\t\t\t\tNovember 28, 2025: Are your systems ready for a glitch-free Black Friday? How observability can save millions in LATAM\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Explore: Facebook-f Instagram Linkedin November 28, 2025: Are your systems ready for a glitch-free Black Friday? How observability can save millions in LATAM The countdown has begun On **November 28, 2025**, millions of Latin American consumers will once again flood digital platforms in search of<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/factorit.com\/en\/november-28-2025-are-your-systems-ready-for-a-glitch-free-black-friday-how-observability-can-save-millions-in-latam\/\" aria-label=\"Read more about November 28, 2025: Are your systems ready for a glitch-free Black Friday? How observability can save millions in LATAM\" tabindex=\"-1\" >\n\t\t\tRead More \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-24093 post type-post status-publish format-standard has-post-thumbnail hentry category-sin-categoria\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/factorit.com\/en\/eipd-in-chile-a-brake-or-an-accelerator-of-innovation-this-is-how-companies-are-preparing-for-2026\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"2048\" height=\"578\" src=\"https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/5-Eipd_Mesa-de-trabajo-1_compressed.jpg\" class=\"attachment-full size-full wp-image-24070\" alt=\"\" srcset=\"https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/5-Eipd_Mesa-de-trabajo-1_compressed.jpg 2048w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/5-Eipd_Mesa-de-trabajo-1_compressed-300x85.jpg 300w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/5-Eipd_Mesa-de-trabajo-1_compressed-1024x289.jpg 1024w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/5-Eipd_Mesa-de-trabajo-1_compressed-768x217.jpg 768w\" sizes=\"(max-width: 2048px) 100vw, 2048px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/factorit.com\/en\/eipd-in-chile-a-brake-or-an-accelerator-of-innovation-this-is-how-companies-are-preparing-for-2026\/\" >\n\t\t\t\tEIPD in Chile: a brake or an accelerator of innovation? This is how companies are preparing for 2026\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Explore: Facebook-f Instagram Linkedin What is already being done (and works) El 1 de diciembre de 2026 marcar\u00e1 un momento decisivo para las empresas chilenas: entrar\u00e1 en plena vigencia la Ley 21.719 de Protecci\u00f3n de Datos Personales (LPDP). Falta poco m\u00e1s de un a\u00f1o para<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/factorit.com\/en\/eipd-in-chile-a-brake-or-an-accelerator-of-innovation-this-is-how-companies-are-preparing-for-2026\/\" aria-label=\"Read more about EIPD in Chile: a brake or an accelerator of innovation? This is how companies are preparing for 2026\" tabindex=\"-1\" >\n\t\t\tRead More \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-24086 post type-post status-publish format-standard has-post-thumbnail hentry category-sin-categoria\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/factorit.com\/en\/the-domino-effect-of-december-2026-chile-faces-new-data-protection-standard\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"2048\" height=\"578\" src=\"https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/4-Domino_Mesa-de-trabajo-1_compressed.jpg\" class=\"attachment-full size-full wp-image-24068\" alt=\"\" srcset=\"https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/4-Domino_Mesa-de-trabajo-1_compressed.jpg 2048w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/4-Domino_Mesa-de-trabajo-1_compressed-300x85.jpg 300w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/4-Domino_Mesa-de-trabajo-1_compressed-1024x289.jpg 1024w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/4-Domino_Mesa-de-trabajo-1_compressed-768x217.jpg 768w\" sizes=\"(max-width: 2048px) 100vw, 2048px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/factorit.com\/en\/the-domino-effect-of-december-2026-chile-faces-new-data-protection-standard\/\" >\n\t\t\t\tThe domino effect of December 2026: Chile faces new data protection standard\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Explore: Facebook-f Instagram Linkedin The domino effect of December 2026: Chile faces new data protection standard December 1, 2026 will mark a decisive moment for Chilean companies: Law 21.719 on Personal Data Protection (LPDP) will come into full force and effect. It will be just<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/factorit.com\/en\/the-domino-effect-of-december-2026-chile-faces-new-data-protection-standard\/\" aria-label=\"Read more about The domino effect of December 2026: Chile faces new data protection standard\" tabindex=\"-1\" >\n\t\t\tRead More \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-24079 post type-post status-publish format-standard has-post-thumbnail hentry category-sin-categoria\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/factorit.com\/en\/the-panic-algorithm-how-alert-fatigue-threatens-technology-resilience-in-latam\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"2048\" height=\"578\" src=\"https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/3-Problemas_Mesa-de-trabajo-1_compressed.jpg\" class=\"attachment-full size-full wp-image-24066\" alt=\"\" srcset=\"https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/3-Problemas_Mesa-de-trabajo-1_compressed.jpg 2048w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/3-Problemas_Mesa-de-trabajo-1_compressed-300x85.jpg 300w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/3-Problemas_Mesa-de-trabajo-1_compressed-1024x289.jpg 1024w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/3-Problemas_Mesa-de-trabajo-1_compressed-768x217.jpg 768w\" sizes=\"(max-width: 2048px) 100vw, 2048px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/factorit.com\/en\/the-panic-algorithm-how-alert-fatigue-threatens-technology-resilience-in-latam\/\" >\n\t\t\t\tThe Panic Algorithm: How Alert Fatigue Threatens Technology Resilience in LATAM\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Explore: Facebook-f Instagram Linkedin The cost of looking the other way En los centros de operaciones de TI de la regi\u00f3n, hay un enemigo silencioso que crece cada d\u00eda: la fatiga por alertas. Lo que en ingl\u00e9s se conoce como alert fatigue est\u00e1 llevando a<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/factorit.com\/en\/the-panic-algorithm-how-alert-fatigue-threatens-technology-resilience-in-latam\/\" aria-label=\"Read more about The Panic Algorithm: How Alert Fatigue Threatens Technology Resilience in LATAM\" tabindex=\"-1\" >\n\t\t\tRead More \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-24072 post type-post status-publish format-standard has-post-thumbnail hentry category-sin-categoria\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/factorit.com\/en\/cloud-invoices-inflated-by-up-to-300-lack-of-observability-hits-companies-in-latam\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"2048\" height=\"578\" src=\"https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/2-nube_Mesa-de-trabajo-1_compressed.jpg\" class=\"attachment-full size-full wp-image-24064\" alt=\"\" srcset=\"https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/2-nube_Mesa-de-trabajo-1_compressed.jpg 2048w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/2-nube_Mesa-de-trabajo-1_compressed-300x85.jpg 300w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/2-nube_Mesa-de-trabajo-1_compressed-1024x289.jpg 1024w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/09\/2-nube_Mesa-de-trabajo-1_compressed-768x217.jpg 768w\" sizes=\"(max-width: 2048px) 100vw, 2048px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/factorit.com\/en\/cloud-invoices-inflated-by-up-to-300-lack-of-observability-hits-companies-in-latam\/\" >\n\t\t\t\tCloud invoices inflated by up to 300%: lack of observability hits companies in LATAM\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Explore: Facebook-f Instagram Linkedin Cloud invoices inflated by up to 300%: lack of observability hits companies in LATAM The cloud has established itself as the great promise of elasticity and efficiency for enterprises. But when the bill arrives, CFOs and CTOs face an uncomfortable question:<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/factorit.com\/en\/cloud-invoices-inflated-by-up-to-300-lack-of-observability-hits-companies-in-latam\/\" aria-label=\"Read more about Cloud invoices inflated by up to 300%: lack of observability hits companies in LATAM\" tabindex=\"-1\" >\n\t\t\tRead More \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-23624 post type-post status-publish format-standard has-post-thumbnail hentry category-sin-categoria\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/factorit.com\/en\/automation-ai-and-data-the-new-technological-core-of-latin-american-retail-by-2026\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"2048\" height=\"578\" src=\"https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/126758-2.webp\" class=\"attachment-full size-full wp-image-24227\" alt=\"\" srcset=\"https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/126758-2.webp 2048w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/126758-2-300x85.webp 300w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/126758-2-1024x289.webp 1024w, https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/126758-2-768x217.webp 768w\" sizes=\"(max-width: 2048px) 100vw, 2048px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/factorit.com\/en\/automation-ai-and-data-the-new-technological-core-of-latin-american-retail-by-2026\/\" >\n\t\t\t\tAutomation, AI and data: the new technological core of Latin American retail by 2026\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Explore: Facebook-f Instagram Linkedin Automation, AI and data: the new technological core of Latin American retail by 2026 Retail in Latin America is undergoing a profound digital transformation. The integration of artificial intelligence (AI), big data, automation and omnichannel strategies is redefining the region&#8217;s competitiveness<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/factorit.com\/en\/automation-ai-and-data-the-new-technological-core-of-latin-american-retail-by-2026\/\" aria-label=\"Read more about Automation, AI and data: the new technological core of Latin American retail by 2026\" tabindex=\"-1\" >\n\t\t\tRead More \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-744bae6 e-con-full e-flex e-con e-child\" data-id=\"744bae6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-226fcb3 elementor-widget elementor-widget-heading\" data-id=\"226fcb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Send us a message<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a1b4ed elementor-button-align-end elementor-widget elementor-widget-form\" data-id=\"3a1b4ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\" aria-label=\"New Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"23630\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"3a1b4ed\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Santander and OpenAI: towards the first native artificial intelligence bank - FactorIT\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"23630\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tFull Name\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Full Name\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tPhone  \t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Phone  \" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Only numbers and phone characters (#, -, *, etc) are accepted.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-field_1 elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_1\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[field_1]\" id=\"form-field-field_1\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-long-arrow-alt-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M313.941 216H12c-6.627 0-12 5.373-12 12v56c0 6.627 5.373 12 12 12h301.941v46.059c0 21.382 25.851 32.09 40.971 16.971l86.059-86.059c9.373-9.373 9.373-24.569 0-33.941l-86.059-86.059c-15.119-15.119-40.971-4.411-40.971 16.971V216z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Send to<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d856bde e-flex e-con-boxed e-con e-parent\" data-id=\"d856bde\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56c29d7e elementor-widget elementor-widget-post-navigation\" data-id=\"56c29d7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-navigation.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-post-navigation\" role=\"navigation\" aria-label=\"Post Navigation\">\n\t\t\t<div class=\"elementor-post-navigation__prev elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/factorit.com\/en\/latin-american-retail-towards-2026-ai-automation-and-data-as-new-competitive-core\/\" rel=\"prev\"><span class=\"post-navigation__arrow-wrapper post-navigation__arrow-prev\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-angle-left\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.7 239l136-136c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9L127.9 256l96.4 96.4c9.4 9.4 9.4 24.6 0 33.9L201.7 409c-9.4 9.4-24.6 9.4-33.9 0l-136-136c-9.5-9.4-9.5-24.6-.1-34z\"><\/path><\/svg><span class=\"elementor-screen-only\">Prev<\/span><\/span><span class=\"elementor-post-navigation__link__prev\"><span class=\"post-navigation__prev--label\">Previous<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-post-navigation__next elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/factorit.com\/en\/cloud-invoices-inflated-by-up-to-300-lack-of-observability-hits-companies-in-latam\/\" rel=\"next\"><span class=\"elementor-post-navigation__link__next\"><span class=\"post-navigation__next--label\">Next<\/span><\/span><span class=\"post-navigation__arrow-wrapper post-navigation__arrow-next\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-angle-right\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><span class=\"elementor-screen-only\">Next<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<footer class=\"elementor-section elementor-top-section elementor-element elementor-element-5b9462c2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b9462c2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-21f05625\" data-id=\"21f05625\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3e01be34 elementor-widget elementor-widget-theme-site-logo elementor-widget-image\" data-id=\"3e01be34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-site-logo.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/factorit.com\/en\/\">\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"265\" height=\"207\" src=\"https:\/\/factorit.com\/wp-content\/uploads\/2024\/07\/Logo.png\" class=\"attachment-full size-full wp-image-20264\" alt=\"\" \/>\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b560fae elementor-widget-laptop__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6b560fae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our mission is to drive innovation and growth for your business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-794e749d elementor-shape-square elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"794e749d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook-f elementor-repeater-item-3d4d16f\" href=\"https:\/\/web.facebook.com\/FactorITLatam\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook-f<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-facebook-f\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M279.14 288l14.22-92.66h-88.91v-60.13c0-25.35 12.42-50.06 52.24-50.06h40.42V6.26S260.43 0 225.36 0c-73.22 0-121.08 44.38-121.08 124.72v70.62H22.89V288h81.39v224h100.17V288z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-b9433ea\" href=\"https:\/\/www.instagram.com\/factorit.latam\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-instagram\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.1 141c-63.6 0-114.9 51.3-114.9 114.9s51.3 114.9 114.9 114.9S339 319.5 339 255.9 287.7 141 224.1 141zm0 189.6c-41.1 0-74.7-33.5-74.7-74.7s33.5-74.7 74.7-74.7 74.7 33.5 74.7 74.7-33.6 74.7-74.7 74.7zm146.4-194.3c0 14.9-12 26.8-26.8 26.8-14.9 0-26.8-12-26.8-26.8s12-26.8 26.8-26.8 26.8 12 26.8 26.8zm76.1 27.2c-1.7-35.9-9.9-67.7-36.2-93.9-26.2-26.2-58-34.4-93.9-36.2-37-2.1-147.9-2.1-184.9 0-35.8 1.7-67.6 9.9-93.9 36.1s-34.4 58-36.2 93.9c-2.1 37-2.1 147.9 0 184.9 1.7 35.9 9.9 67.7 36.2 93.9s58 34.4 93.9 36.2c37 2.1 147.9 2.1 184.9 0 35.9-1.7 67.7-9.9 93.9-36.2 26.2-26.2 34.4-58 36.2-93.9 2.1-37 2.1-147.8 0-184.8zM398.8 388c-7.8 19.6-22.9 34.7-42.6 42.6-29.5 11.7-99.5 9-132.1 9s-102.7 2.6-132.1-9c-19.6-7.8-34.7-22.9-42.6-42.6-11.7-29.5-9-99.5-9-132.1s-2.6-102.7 9-132.1c7.8-19.6 22.9-34.7 42.6-42.6 29.5-11.7 99.5-9 132.1-9s102.7-2.6 132.1 9c19.6 7.8 34.7 22.9 42.6 42.6 11.7 29.5 9 99.5 9 132.1s2.7 102.7-9 132.1z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-82a6cda\" href=\"http:\/\/www.linkedin.com\/company\/factorit\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-47f6c91a\" data-id=\"47f6c91a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-479ab7a4 elementor-widget elementor-widget-heading\" data-id=\"479ab7a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Our Services<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2cbd48e6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2cbd48e6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-33b57088\" data-id=\"33b57088\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11e3a92c elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"11e3a92c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/factorit.com\/en\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Services<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/factorit.com\/en\/who-we-are\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Who we are<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/factorit.com\/en\/join-the-team\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Join the Team<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/factorit.com\/en\/contact-us-at\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-right\" viewBox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Contact us at  <\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5883f116\" data-id=\"5883f116\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41b8c475 elementor-widget elementor-widget-heading\" data-id=\"41b8c475\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Contact<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-634ab1cd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"634ab1cd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1747d5b1\" data-id=\"1747d5b1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49b93943 elementor-widget elementor-widget-etherium_special_text\" data-id=\"49b93943\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"etherium_special_text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"special-text-wrapper\"><div class=\"special-text special-text-effect-fill\">\u00a0<span style=\"text-decoration: underline\"><strong>contacto@factorit.com<\/strong><\/span><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/footer>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Explore: Facebook-f Instagram Linkedin Santander and OpenAI: towards the first native artificial intelligence bank Banco Santander has just taken a decisive step in its technology strategy: a partnership with OpenAI to accelerate its transformation into an &#8220;AI-native bank&#8221;. With 15,000 employees in Europe and the&#8230;<\/p>\n","protected":false},"author":1,"featured_media":24233,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-23630","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Santander and OpenAI: towards the first native artificial intelligence bank - FactorIT<\/title>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Santander and OpenAI: towards the first native artificial intelligence bank - FactorIT\" \/>\n<meta property=\"og:description\" content=\"Explore: Facebook-f Instagram Linkedin Santander and OpenAI: towards the first native artificial intelligence bank Banco Santander has just taken a decisive step in its technology strategy: a partnership with OpenAI to accelerate its transformation into an &#8220;AI-native bank&#8221;. With 15,000 employees in Europe and the...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/\" \/>\n<meta property=\"og:site_name\" content=\"FactorIT\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-26T07:13:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-29T15:38:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"578\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Factor-IT\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Factor-IT\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\\\/\"},\"author\":{\"name\":\"Factor-IT\",\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/#\\\/schema\\\/person\\\/c0d1acc95e6a643274f9a18d5728ba18\"},\"headline\":\"Santander and OpenAI: towards the first native artificial intelligence bank\",\"datePublished\":\"2025-08-26T07:13:21+00:00\",\"dateModified\":\"2025-09-29T15:38:35+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\\\/\"},\"wordCount\":777,\"publisher\":{\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/factorit.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/304995.webp\",\"articleSection\":[\"Sin categor\u00eda\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\\\/\",\"url\":\"https:\\\/\\\/factorit.com\\\/en\\\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\\\/\",\"name\":\"Santander and OpenAI: towards the first native artificial intelligence bank - FactorIT\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/factorit.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/304995.webp\",\"datePublished\":\"2025-08-26T07:13:21+00:00\",\"dateModified\":\"2025-09-29T15:38:35+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/factorit.com\\\/en\\\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\\\/#primaryimage\",\"url\":\"https:\\\/\\\/factorit.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/304995.webp\",\"contentUrl\":\"https:\\\/\\\/factorit.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/304995.webp\",\"width\":2048,\"height\":578},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/factorit.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Santander and OpenAI: towards the first native artificial intelligence bank\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/factorit.com\\\/en\\\/\",\"name\":\"FactorIT\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/factorit.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/#organization\",\"name\":\"FactorIT\",\"url\":\"https:\\\/\\\/factorit.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/factorit.com\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/Logo.png\",\"contentUrl\":\"https:\\\/\\\/factorit.com\\\/wp-content\\\/uploads\\\/2024\\\/07\\\/Logo.png\",\"width\":265,\"height\":207,\"caption\":\"FactorIT\"},\"image\":{\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/factorit.com\\\/en\\\/#\\\/schema\\\/person\\\/c0d1acc95e6a643274f9a18d5728ba18\",\"name\":\"Factor-IT\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/311f11428828445366bf4c316e6c8271ef532ec6d461fb20d20e019032c8e75c?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/311f11428828445366bf4c316e6c8271ef532ec6d461fb20d20e019032c8e75c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/311f11428828445366bf4c316e6c8271ef532ec6d461fb20d20e019032c8e75c?s=96&d=mm&r=g\",\"caption\":\"Factor-IT\"},\"sameAs\":[\"https:\\\/\\\/factorit.com\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Santander and OpenAI: towards the first native artificial intelligence bank - FactorIT","robots":{"index":"noindex","follow":"follow"},"og_locale":"en_US","og_type":"article","og_title":"Santander and OpenAI: towards the first native artificial intelligence bank - FactorIT","og_description":"Explore: Facebook-f Instagram Linkedin Santander and OpenAI: towards the first native artificial intelligence bank Banco Santander has just taken a decisive step in its technology strategy: a partnership with OpenAI to accelerate its transformation into an &#8220;AI-native bank&#8221;. With 15,000 employees in Europe and the...","og_url":"https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/","og_site_name":"FactorIT","article_published_time":"2025-08-26T07:13:21+00:00","article_modified_time":"2025-09-29T15:38:35+00:00","og_image":[{"width":2048,"height":578,"url":"https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995.webp","type":"image\/webp"}],"author":"Factor-IT","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Factor-IT","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/#article","isPartOf":{"@id":"https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/"},"author":{"name":"Factor-IT","@id":"https:\/\/factorit.com\/en\/#\/schema\/person\/c0d1acc95e6a643274f9a18d5728ba18"},"headline":"Santander and OpenAI: towards the first native artificial intelligence bank","datePublished":"2025-08-26T07:13:21+00:00","dateModified":"2025-09-29T15:38:35+00:00","mainEntityOfPage":{"@id":"https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/"},"wordCount":777,"publisher":{"@id":"https:\/\/factorit.com\/en\/#organization"},"image":{"@id":"https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/#primaryimage"},"thumbnailUrl":"https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995.webp","articleSection":["Sin categor\u00eda"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/","url":"https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/","name":"Santander and OpenAI: towards the first native artificial intelligence bank - FactorIT","isPartOf":{"@id":"https:\/\/factorit.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/#primaryimage"},"image":{"@id":"https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/#primaryimage"},"thumbnailUrl":"https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995.webp","datePublished":"2025-08-26T07:13:21+00:00","dateModified":"2025-09-29T15:38:35+00:00","breadcrumb":{"@id":"https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/#primaryimage","url":"https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995.webp","contentUrl":"https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995.webp","width":2048,"height":578},{"@type":"BreadcrumbList","@id":"https:\/\/factorit.com\/en\/santander-and-openai-towards-the-first-native-artificial-intelligence-bank\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/factorit.com\/en\/"},{"@type":"ListItem","position":2,"name":"Santander and OpenAI: towards the first native artificial intelligence bank"}]},{"@type":"WebSite","@id":"https:\/\/factorit.com\/en\/#website","url":"https:\/\/factorit.com\/en\/","name":"FactorIT","description":"","publisher":{"@id":"https:\/\/factorit.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/factorit.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/factorit.com\/en\/#organization","name":"FactorIT","url":"https:\/\/factorit.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/factorit.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/factorit.com\/wp-content\/uploads\/2024\/07\/Logo.png","contentUrl":"https:\/\/factorit.com\/wp-content\/uploads\/2024\/07\/Logo.png","width":265,"height":207,"caption":"FactorIT"},"image":{"@id":"https:\/\/factorit.com\/en\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/factorit.com\/en\/#\/schema\/person\/c0d1acc95e6a643274f9a18d5728ba18","name":"Factor-IT","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/311f11428828445366bf4c316e6c8271ef532ec6d461fb20d20e019032c8e75c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/311f11428828445366bf4c316e6c8271ef532ec6d461fb20d20e019032c8e75c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/311f11428828445366bf4c316e6c8271ef532ec6d461fb20d20e019032c8e75c?s=96&d=mm&r=g","caption":"Factor-IT"},"sameAs":["https:\/\/factorit.com"]}]}},"rttpg_featured_image_url":{"full":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995.webp",2048,578,false],"landscape":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995.webp",2048,578,false],"portraits":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995.webp",2048,578,false],"thumbnail":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-150x150.webp",150,150,true],"medium":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-300x85.webp",300,85,true],"large":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-1024x289.webp",1024,289,true],"post-thumbnail":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-1340x578.webp",1340,578,true],"etherium_post_thumbnail_mobile":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-535x242.webp",535,242,true],"etherium_post_thumbnail_tablet":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-951x430.webp",951,430,true],"etherium_post_thumbnail_full":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-1340x578.webp",1340,578,true],"etherium_post_grid_2_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-960x578.webp",960,578,true],"etherium_post_grid_3_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-640x457.webp",640,457,true],"etherium_post_grid_4_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-480x343.webp",480,343,true],"etherium_post_grid_5_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-384x274.webp",384,274,true],"etherium_post_grid_6_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-320x229.webp",320,229,true],"etherium_portfolio_thumbnail":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-650x578.webp",650,578,true],"etherium_portfolio_grid_1_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-1340x578.webp",1340,578,true],"etherium_portfolio_grid_2_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-960x578.webp",960,578,true],"etherium_portfolio_grid_3_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-640x578.webp",640,578,true],"etherium_portfolio_grid_4_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-480x480.webp",480,480,true],"etherium_portfolio_grid_5_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-384x384.webp",384,384,true],"etherium_portfolio_grid_6_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-320x320.webp",320,320,true],"etherium_portfolio_masonry_1_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-1920x578.webp",1920,578,true],"etherium_portfolio_masonry_2_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-1920x578.webp",1920,578,true],"etherium_portfolio_masonry_3_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-960x578.webp",960,578,true],"etherium_portfolio_masonry_4_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-960x578.webp",960,578,true],"etherium_portfolio_masonry_5_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-768x578.webp",768,578,true],"etherium_portfolio_masonry_6_columns":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-640x578.webp",640,578,true],"etherium_team_thumbnail":["https:\/\/factorit.com\/wp-content\/uploads\/2025\/08\/304995-572x456.webp",572,456,true]},"rttpg_author":{"display_name":"Factor-IT","author_link":"https:\/\/factorit.com\/en\/author\/factor-it\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/factorit.com\/en\/category\/sin-categoria\/\" rel=\"category tag\">Sin categor\u00eda<\/a>","rttpg_excerpt":"Explore: Facebook-f Instagram Linkedin Santander and OpenAI: towards the first native artificial intelligence bank Banco Santander has just taken a decisive step in its technology strategy: a partnership with OpenAI to accelerate its transformation into an &#8220;AI-native bank&#8221;. With 15,000 employees in Europe and the...","_links":{"self":[{"href":"https:\/\/factorit.com\/en\/wp-json\/wp\/v2\/posts\/23630","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/factorit.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/factorit.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/factorit.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/factorit.com\/en\/wp-json\/wp\/v2\/comments?post=23630"}],"version-history":[{"count":3,"href":"https:\/\/factorit.com\/en\/wp-json\/wp\/v2\/posts\/23630\/revisions"}],"predecessor-version":[{"id":24466,"href":"https:\/\/factorit.com\/en\/wp-json\/wp\/v2\/posts\/23630\/revisions\/24466"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/factorit.com\/en\/wp-json\/wp\/v2\/media\/24233"}],"wp:attachment":[{"href":"https:\/\/factorit.com\/en\/wp-json\/wp\/v2\/media?parent=23630"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/factorit.com\/en\/wp-json\/wp\/v2\/categories?post=23630"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/factorit.com\/en\/wp-json\/wp\/v2\/tags?post=23630"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}