cifra
SUCCESS STORIES

Banks and issuers operating today.

Production deployments where the bank issues the complete program — issuing, processing and controls — to its corporate and government clients, under its own brand.

GOVERNMENT BANK · PANAMA

A public-sector travel-and-expense program, operated by a government bank on Cifra.

CONTEXT

A ministry of finance needed to replace petty cash and cash-based travel advances across its agencies. The issuing bank evaluated building internally and ruled it out on cost + time. An external fintech partner wasn't viable due to brand, fund custody and public-sector traceability requirements.

THE APPROACH

The issuing bank launched a corporate-card and controlled-dispersion program under its brand, operated on the Cifra platform. Each beneficiary gets a card with rules by agency, MCC, geography and period. Reconciliation exports directly to the comptroller's office system.

RESULTS · 18 MONTHS IN PRODUCTION
497K

MONTHLY TRANSACTIONS

59K

ACTIVE CARDS

>60%

PETTY-CASH INCIDENT REDUCTION

100%

AUTOMATED RECON TO COMPTROLLER

"Cifra let us stand up a modern corporate product under our own brand — without pulling the bank's platform team into a three-year project."

Corporate Banking Team of the issuing bank

ISSUERS IN PRODUCTION AND IMPLEMENTATION

5+ issuers in production and implementation across LatAm. Named references available under NDA.

Tier-1 banks in discovery — references available under NDA.

See the issuing bank case

Case study with detailed numbers, implementation architecture, comptroller integrations and live SLA. Under NDA.

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