Colombians Esteban Marín, Eduin H. Serna and machine generates inferences and enriches the Andrés Hernández founded DILE in September experience of clients, with no intervention by 2017, a company providing technology with a the human being in the process. platform offering financial solutions through predictive analysis of large non-structured Beyond a business intelligence data transforma- databases. tion development, DILE contributes to improve DILE efficiencies generating a Learning Capital. Following a B2B business model, the data entered www.dile.co by a bank to DILE is processed to produce the Regarding clients, DILE has two types of approach. findings in the reports, providing predictions. No On the one hand, it has the companies already individual intervenes; therefore, the client has with a specific need in their market; on the oth- to worry only about the information it feeds. In er hand, it works with the companies willing exchange for a monthly fee, access is given to to approach technology, but they do not know the platform, solving this process through algo- how technology can help them. Eduin H. Serna, rithms. This allows the enterprises/companies co-founder and CTO of DILE, explains that once affiliated to DILE to know their clients and predict they do the implementation and a hypothetical their behavior to offer them specific services. To pilot with outcomes, the client gives real data and develop in the future and prove its technology, the pilot is launched to know how effective the this FinTech also has pilot programs in other tool is. This stage is called “training” and efficiency sectors, such as retail, health, transportation of the company is not only in the results of its and telecommunications. AI, but in the delivery time, since, for example, while the financial institution performs a similar The idea of creating this company emerged after action within six to twelve months, DILE does detecting the need to transform the financial it within weeks. industry processes, left behind in technological innovation for the last fifty years. It appears from Although startups in the FinTech industry have this that DILE main innovation is the imple- the capacity to raise million dollars in risk capital mentation of the deep machine learning (DML) funds, DILE has tried to finance itself by itself, engine, AI based on reinforcement learning with with only a first investment of 3,000 dollars at the more than 700 machine learning (ML) models beginning. DILE currently operates with positive and evolutionary strategy, constantly improving flows and still finances technology development itself this way on the processed information. This from the income generated by its sales. is linked to another basic ML concept, known as “unsupervised learning”, this takes place when DILE is the way in Latin America to change the the machine is no longer taught, but the machine financial industry through artificial intelligence. learns by itself and, based on such learning the A TWO-WAY PATH 87