Case Study: Data Governance Transformation of a Leading FinTech

Enterprises are increasingly searching for ways to quantify the ROI of data lineage, observability, and data governance initiatives. This case study highlights how Decube’s Data Trust Platform helps organizations save thousands of engineering hours, reduce compliance costs, and build AI-ready pipelines. By unifying metadata, lineage, quality signals, and auditability into a single context layer, Decube delivers measurable operational efficiency and long-term financial value.

By

Richard

Updated on

December 8, 2025

Executive Summary


Transforming Financial Services Through Data Trust. The company is one of Mexico’s leading fintech companies, serving over 50,000 SME customers with a valuation estimated of around USD 1.3 billion and operating as a fully regulated financial institution. With a growing product portfolio—including working capital loans, corporate credit cards, payments, and developing banking services—the company processes millions of data points and resources at terabytes levels monthly.
The company’s mission is to empower small and medium enterprises (SMEs) through streamlined, AI-powered and fully digital financial services. But as product offerings and user adoption scaled, so did the complexity of its underlying data operations.
Operating under stringent oversight from CNBV, Banxico and Condusef mandates, and the internal demand for AI-driven services, the company needed more than just a data visualization tool. It needed a foundation for trusted data—an intelligent layer that could unify, govern, monitor, and future-proof its data landscape.

That’s when the company partnered with Decube.

Decube gave us clarity in our chaos, and hope with trust and automation. It replaced spreadsheets and hard-coded SQL documentation.

Decube’s Value Proposition for Financial Institutions

Why Traditional Data Governance Falls Short

Most data governance initiatives fail not because teams don’t care—but because they’re:

  • Too manual: Weeks spent mapping lineage or preparing audits
  • Too disconnected: Engineering builds, Risk governs, Business waits
  • Too reactive: Issues discovered when it’s too late—during outages or fines

Decube: Built for Real-World Data Chaos

Decube is not a traditional catalog or compliance tool. It is a Data Trust Platform that:

  • Automatically discovers and documents data flows and dependencies
  • Detects anomalies, drifts, and schema changes before damage is done
  • Catalogs assets with rich metadata and business definitions
  • Provides audit-readiness and policy enforcement aligned to regulations
  • Bridges Engineering, Risk, and Business with one single source of truth

Built for the Regulatory Landscape

Decube enables financial institutions to align with:

  • CNBV (Mexico) – Full lineage, consent enforcement, and auditability
  • LGPD (Mexico) – Role-based access, data classification, retention rules
  • BANXICO (Mexico) – Traceability and real-time operational visibility
  • Open Finance (Mexico) – Consented sharing with audit trails across APIs and systems

This foundation allowed the company to shift from defensive data posture to strategic enablement.

Use Cases & ROI Breakdown

Use Case 1 – Automated Data Lineage & Audit Readiness

Challenge: Due to multiple application producers, complex data ETLs and database destinations for 20+ systems with lacking documentation and controls, analyze and map data lineage was an activity requiring 336 hours/month approximately, and still failed to meet real-time traceability needs.

Solution: Decube’s automated lineage system provided live, ERD diagrams, and column-level mapping of data flows with built-in audit trails.

Impact:

  • 336 hours/month saved
  • $35/hr × 336 = $11,760/month or ~$141,000/year in productivity
  • Enhanced audit confidence and reduced risk of compliance delays

Use Case 2 – Data Catalog for Business Enablement

Challenge: Analysts spent 40+ hours/month on average to manually query data sources, reviewing SQL logic, and responding to data access requests from product, operational, compliance and audit teams.

Solution: With Decube’s catalog, business teams located datasets, understood usage context, and validated definitions without involving engineers.

Impact:

  • 480 hours/year saved
  • $45/hr × 480 = $21,600/year in analyst productivity
  • Faster experimentation and decisions by product managers, compliance, fraud and other operating teams.

Use Case 3 – Observability & Data Anomaly Detection

Challenge: Recurring monthly ETLs and data flows failed or had data inconsistencies, which required escalation to multiple engineers and data engineers to recover and have digested data available for daily operations. Delayed resolution times causing issues and wrong data to customers and operations teams.

Solution: Decube proactively flagged schema changes, missing values, and volume anomalies upstream through alerts and automations.

Impact:

  • 20 hours/month + 3-engineer incident avoidance (8 hours each)
  • $1,540/month in avoided costs → ~$18,500/year
  • Improved system stability, trust in dashboards, and operational resilience

Use Case 4 – AI Enablement & Model Deployment

Challenge: ML projects often stalled due to unclear data provenance and inconsistent data documentation stored only in SQL.

Solution: Decube provided pre-validated, trusted datasets with metadata, enabling faster model onboarding.

Impact:

  • 6 hours saved/use case × 8 projects = 48 hours/year
  • $45/hr (MLOps) × 48 = $2,160/year
  • Higher success rate for AI pilots, shorter experimentation cycles

Strategic Gains & Risk Avoidance

Avoiding the High Cost of Non-Compliance

For financial institutions like the company, the cost of poor governance can be staggering:

  • Estimated regulatory penalty exposure: $1M–$10M per incident
  • Legal defense, audit remediation, and reputation recovery can further compound losses

By implementing Decube:

  • The company closed critical lineage gaps identified by internal audit
  • Reduced regulatory reporting cycle time by over 50%
  • Strengthened internal controls to meet CNBV and LGPD expectations

Easy, Flexible Integration Across Legacy and Cloud Systems

One of Decube’s most powerful enablers of rapid time-to-value is its plug-and-play integration model. Financial institutions often operate with:

  • On-premises data stores from legacy architectures
  • Modern cloud databases across AWS, GCP, or Azure
  • Data lakes and pipelines in SQL, XML, CSV, JSON, and mixed formats

With Decube, integration is straightforward:

  • Assign a read-only service account with connection credentials
  • Use Decube’s native connectors for SQL engines (PostgreSQL, MySQL, Oracle, SQL Server, etc.), file formats (Parquet, CSV, XLSX), and hierarchical data (XML, JSON)
  • Deploy either in cloud-native or hybrid environments, depending on compliance and latency needs

This flexible architecture enabled the company to connect over 30 databases and file sources in just weeks, without re-architecting pipelines or writing custom code.

Conclusion – From Reactive to Strategic Data Culture

The company’s journey is not just about tools—it’s about a shift in mindset:

  • From firefighting to proactive monitoring
  • From tribal knowledge to structured metadata
  • From compliance as burden to data as an enabler

Decube made that journey possible.

And now, this foundation is enabling the next generation of the company products—AI-driven lending, dynamic credit models, embedded APIs—built not on guesswork, but on trusted data.

To learn more or begin your own data trust journey, visit decube.io or contact our LATAM team.

Prepared by: Richard Hechenbichler, ex-VP Technology & Engineering, Konfio / Business Development LATAM, Decube

What is a data definition example?
A data definition example could be: “Customer: a person or entity that has made at least one purchase within the past year.” It clearly sets business meaning and inclusion criteria.
Why is data definition important in data governance?
It ensures everyone interprets data consistently, reducing ambiguity and improving compliance, reporting, and collaboration.
Who should own data definitions?
Ownership should be shared between business domain experts (for context) and data stewards (for technical accuracy).
How often should data definitions be reviewed?
Ideally quarterly or whenever there’s a structural change in business logic, data models, or product offerings.
What’s the difference between data definition and data catalog?
A data catalog inventories data assets; data definition explains what those assets mean. Combined, they create full visibility and trust.
Why is Data Lineage important for businesses?
Data Lineage provides transparency and trust in your data ecosystem. It helps organizations ensure data accuracy, simplify root-cause analysis during data quality issues, and maintain compliance with regulations like GDPR or SOX. By understanding data flows, teams can make faster, more reliable decisions and improve overall data governance.
What are the key components of Data Lineage?
The main components of Data Lineage include: Data Sources: Where the data originates (databases, APIs, files). Transformations: How data is processed or modified. Data Pipelines: The tools or systems that move data. Destinations: Where the data is stored or consumed (dashboards, reports, models). Metadata: The contextual details that describe each step in the data’s lifecycle.
How does Data Lineage support Data Governance and AI readiness?
Data Lineage acts as the foundation for strong data governance by providing visibility into data ownership, transformation logic, and usage. For AI initiatives, lineage ensures that models are trained on accurate and traceable data, making AI outputs more explainable and trustworthy. Platforms like Decube’s Data Trust Platform unify lineage with data quality and metadata management to help enterprises achieve AI readiness.
What tools are commonly used for Data Lineage?
Several tools help automate and visualize data lineage, such as Decube, Atlan, Alation, Collibra, and OpenLineage. These tools connect to data warehouses, ETL pipelines, and BI tools to automatically map relationships between datasets — saving time and reducing manual effort.
What is Data Lineage?
Data Lineage is the process of tracking how data moves and transforms across an organization — from its origin to its final destination. It shows where data comes from, how it changes through different systems or pipelines, and where it ends up being used. In short, data lineage helps you visualize the journey of your data.
What does “data context” mean?
Data context refers to the semantic, structural, and business information that surrounds raw data. It explains what data means, where it comes from, who owns it, and how it should be used.
What is a centralized LLM framework?
It’s an enterprise-wide system where all departments access AI through a shared platform, equipped with guardrails, context layers, and multimodal capabilities.
What are guardrails in AI?
Guardrails are controls—policies, access restrictions, and compliance checks—that ensure AI outputs are secure, ethical, and aligned with enterprise goals.
How does data context affect ROI in AI?
Models trained or prompted with contextualized data deliver outputs that are relevant, trustworthy, and actionable—leading to faster adoption and higher business value.
What is MCP (Model Context Protocol) and why does it matter?
MCP defines how models interact with external tools and data sources. Feeding it with strong context ensures the AI agent can act accurately and responsibly.
What is a Data Trust Platform in financial services?
A Data Trust Platform is a unified framework that combines data observability, governance, lineage, and cataloging to ensure financial institutions have accurate, secure, and compliant data. In banking, it enables faster regulatory reporting, safer AI adoption, and new revenue opportunities from data products and APIs.
Why do AI initiatives fail in Latin American banks and fintechs?
Most AI initiatives in LATAM fail due to poor data quality, fragmented architectures, and lack of governance. When AI models are fed stale or incomplete data, predictions become inaccurate and untrustworthy. Establishing a Data Trust Strategy ensures models receive fresh, auditable, and high-quality data, significantly reducing failure rates.
What are the biggest data challenges for financial institutions in LATAM?
Key challenges include: Data silos and fragmentation across legacy and cloud systems. Stale and inconsistent data, leading to poor decision-making. Complex compliance requirements from regulators like CNBV, BCB, and SFC. Security and privacy risks in rapidly digitizing markets. AI adoption bottlenecks due to ungoverned data pipelines.
How can banks and fintechs monetize trusted data?
Once data is governed and AI-ready, institutions can: Reduce OPEX with predictive intelligence. Offer hyper-personalized products like ESG loans or SME financing. Launch data-as-a-product (DaaP) initiatives with anonymized, compliant data. Build API-driven ecosystems with partners and B2B customers.
What is data dictionary example?
A data dictionary is a centralized repository that provides detailed information about the data within an organization. It defines each data element—such as tables, columns, fields, metrics, and relationships—along with its meaning, format, source, and usage rules. Think of it as the “glossary” of your data landscape. By documenting metadata in a structured way, a data dictionary helps ensure consistency, reduces misinterpretation, and improves collaboration between business and technical teams. For example, when multiple teams use the term “customer ID”, the dictionary clarifies exactly how it is defined, where it is stored, and how it should be used. Modern platforms like Decube extend the concept of a data dictionary by connecting it directly with lineage, quality checks, and governance—so it’s not just documentation, but an active part of ensuring data trust across the enterprise.
What is an MCP Server?
An MCP Server stands for Model Context Protocol Server—a lightweight service that securely exposes tools, data, or functionality to AI systems (MCP clients) via a standardized protocol. It enables LLMs and agents to access external resources (like files, tools, or APIs) without custom integration for each one. Think of it as the “USB-C port for AI integrations.”
How does MCP architecture work?
The MCP architecture operates under a client-server model: MCP Host: The AI application (e.g., Claude Desktop or VS Code). MCP Client: Connects the host to the MCP Server. MCP Server: Exposes context or tools (e.g., file browsing, database access). These components communicate over JSON‑RPC (via stdio or HTTP), facilitating discovery, execution, and contextual handoffs.
Why does the MCP Server matter in AI workflows?
MCP simplifies access to data and tools, enabling modular, interoperable, and scalable AI systems. It eliminates repetitive, brittle integrations and accelerates tool interoperability.
How is MCP different from Retrieval-Augmented Generation (RAG)?
Unlike RAG—which retrieves documents for LLM consumption—MCP enables live, interactive tool execution and context exchange between agents and external systems. It’s more dynamic, bidirectional, and context-aware.
What is a data dictionary?
A data dictionary is a centralized repository that provides detailed information about the data within an organization. It defines each data element—such as tables, columns, fields, metrics, and relationships—along with its meaning, format, source, and usage rules. Think of it as the “glossary” of your data landscape. By documenting metadata in a structured way, a data dictionary helps ensure consistency, reduces misinterpretation, and improves collaboration between business and technical teams. For example, when multiple teams use the term “customer ID”, the dictionary clarifies exactly how it is defined, where it is stored, and how it should be used. Modern platforms like Decube extend the concept of a data dictionary by connecting it directly with lineage, quality checks, and governance—so it’s not just documentation, but an active part of ensuring data trust across the enterprise.
What is the purpose of a data dictionary?
The primary purpose of a data dictionary is to help data teams understand and use data assets effectively. It provides a centralized repository of information about the data, including its meaning, origins, usage, and format, which helps in planning, controlling, and evaluating the collection, storage, and use of data.
What are some best practices for data dictionary management?
Best practices for data dictionary management include assigning ownership of the document, involving key stakeholders in defining and documenting terms and definitions, encouraging collaboration and communication among team members, and regularly reviewing and updating the data dictionary to reflect any changes in data elements or relationships.
How does a business glossary differ from a data dictionary?
A business glossary covers business terminology and concepts for an entire organization, ensuring consistency in business terms and definitions. It is a prerequisite for data governance and should be established before building a data dictionary. While a data dictionary focuses on technical metadata and data objects, a business glossary provides a common vocabulary for discussing data.
What is the difference between a data catalog and a data dictionary?
While a data catalog focuses on indexing, inventorying, and classifying data assets across multiple sources, a data dictionary provides specific details about data elements within those assets. Data catalogs often integrate data dictionaries to provide rich context and offer features like data lineage, data observability, and collaboration.
What challenges do organizations face in implementing data governance?
Common challenges include resistance from business teams, lack of clear ownership, siloed systems, and tool fragmentation. Many organizations also struggle to balance strict governance with data democratization. The right approach involves embedding governance into workflows and using platforms that unify governance, observability, and catalog capabilities.
How does data governance impact AI and machine learning projects?
AI and ML rely on high-quality, unbiased, and compliant data. Poorly governed data leads to unreliable predictions and regulatory risks. A governance framework ensures that data feeding AI models is trustworthy, well-documented, and traceable. This increases confidence in AI outputs and makes enterprises audit-ready when regulations apply.
What is data governance and why is it important?
Data governance is the framework of policies, ownership, and controls that ensure data is accurate, secure, and compliant. It assigns accountability to data owners, enforces standards, and ensures consistency across the organization. Strong governance not only reduces compliance risks but also builds trust in data for AI and analytics initiatives.
What is the difference between a data catalog and metadata management?
A data catalog is a user-facing tool that provides a searchable inventory of data assets, enriched with business context such as ownership, lineage, and quality. It’s designed to help users easily discover, understand, and trust data across the organization. Metadata management, on the other hand, is the broader discipline of collecting, storing, and maintaining metadata (technical, business, and operational). It involves defining standards, policies, and processes for metadata to ensure consistency and governance. In short, metadata management is the foundation—it structures and governs metadata—while a data catalog is the application layer that makes this metadata accessible and actionable for business and technical users.
What features should you look for in a modern data catalog?
A strong catalog includes metadata harvesting, search and discovery, lineage visualization, business glossary integration, access controls, and collaboration features like data ratings or comments. More advanced catalogs integrate with observability platforms, enabling teams to not only find data but also understand its quality and reliability.
Why do businesses need a data catalog?
Without a catalog, employees often struggle to find the right datasets or waste time duplicating efforts. A data catalog solves this by centralizing metadata, providing business context, and improving collaboration. It enhances productivity, accelerates analytics projects, reduces compliance risks, and enables data democratization across teams.
What is a data catalog and how does it work?
A data catalog is a centralized inventory that organizes metadata about data assets, making them searchable and easy to understand. It typically extracts metadata automatically from various sources like databases, warehouses, and BI tools. Users can then discover datasets, understand their lineage, and see how they’re used across the organization.
What are the key features of a data observability platform?
Modern platforms include anomaly detection, schema and freshness monitoring, end-to-end lineage visualization, and alerting systems. Some also integrate with business glossaries, support SLA monitoring, and automate root cause analysis. Together, these features provide a holistic view of both technical data pipelines and business data quality.
How is data observability different from data monitoring?
Monitoring typically tracks system metrics (like CPU usage or uptime), whereas observability provides deep visibility into how data behaves across systems. Observability answers not only “is something wrong?” but also “why did it go wrong?” and “how does it impact downstream consumers?” This makes it a foundational practice for building AI-ready, trustworthy data systems.
What are the key pillars of Data Observability?
The five common pillars include: Freshness, Volume, Schema, Lineage, and Quality. Together, they provide a 360° view of how data flows and where issues might occur.
What is Data Observability and why is it important?
Data observability is the practice of continuously monitoring, tracking, and understanding the health of your data systems. It goes beyond simple monitoring by giving visibility into data freshness, schema changes, anomalies, and lineage. This helps organizations quickly detect and resolve issues before they impact analytics or AI models. For enterprises, data observability builds trust in data pipelines, ensuring decisions are made with reliable and accurate information.

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