Why MO?

We develop, grow, and optimize financial solutions through disruptive technologies (ML & AI) and software development. We’re a modular SaaS tech company that enhances financial decisioning and management.

Our reason why

The Digital Lending Platform

Our platform comprehensively covers the end-to-end needs of a credit lifecycle value chain. Our solution covers the full lending cycle including: digital onboarding and credit core management, integration with CRM…

The Alternative Scoring and Analysis

Through our proprietary risk models leverage the latest ML and AI modeling methodologies and rely on ingesting our standard and premium KPIs for above industry average approval rates. 

The Complementary Data

The alternative data aggregates, consolidates and geo references data sources with a single integration. The standard indexes provide value on their own by filling our client’s data deficiency gaps needed by their risk…

Why MO —

How we got here.

Our team is a combination of traditional corporate experience and an entrepreneurial spirit. A diverse and multidisciplinary group fosters a creative culture to propose disruptive ideas with high impact. More than 60% of our employees belong to the data and engineering teams, reaffirming our tech core.

MO, a word that in roman dialect means «now» or «at this moment», a word that represent speed and simplicity, characteristics that define MO: an easy and innovative technology company all cloud based.

Our timeline


Years after starting her professional life, Veronica Crisafulli landed at a major financial services corporation. It was there where she discovered her love for payments, digitization, and the importance of financial inclusion. Here she understood that the way to financial inclusion was mixing two passions: technology and finance/payments. This, mixed with Paolo Fidanza‘s passion for entrepreneurship and knowledge in technology, marked the beginnings of MO.

First live project. 

  • Office in Miami.
  • Operations in Colombia.
  • First seed investment.
  • Series A investment.

Expanding to LATAM.

  • Operations in Mexico.
  • Operations in Ecuador.
  • 6 live projects.

A leap to the world.

  • Operations in Myanmar.
  • Operations in Peru.
  • Operations in Dominican Republic.
  • 7 live projects.

Scaling up.

  • Office in Madrid.
  • Operations in Argentina.
  • Operations in Jamaica.
  • Joined Mastercard Start Path.
  • Joined AWS Activate Program.
  • Partnered with Google.
  • 16 live projects.
We invest in technology.

Innovative and patented technologies are our tools to build the future of data, analytics, and financial management.

We cultivate client relations.

Through a collaborative approach we help our clients use our technology to capitalize underserved financial opportunities.

We empower our people.

Our MOvers hatch disruptive ideas capable of revolutionizing the industry.

Our patents
  • Behavioral Score.

    This patent covers MO's core credit scoring technology based on determining the behavioral profile of a consumer. This invention encloses the system and method for issuing a loan to a consumer determined to be creditworthy and generates a consumer's behavioral profile.

  • Bad Debt Forecast.

    This patent covers MO's Artificial Intelligence Default Prediction System. This proprietary technology is applicable to the issuance of loans to businesses and consumers considered creditworthy through a bad debt forecast system.

Our scope —

From traditional banks to fintech companies.

Dozens of companies in 3 continents use MO’s technology to streamline their financial operations and tap into new markets.

Alliances & Partnerships —

Trusted by world-class brands through global alliances and partnerships that help us scale our business and boost our growth.

Global Alliances & Programs
Cloud-based infrastructure partners

Our infrastructure is leveraged on world class cloud providers that enable scaling and ease of integration.

Our technology —

Moving technology for a more inclusive digital and seamless financing.

Spreading technology through the world

MO provides services and solutions to corporate clients on a global scale. We are a global company with a global goal.









Dom. Rep.



Costa Rica

Top-notch team of leaders

Veronica Crisafulli

CEO & CO-Founder

Javier Díaz-Cely

CAO – Chief Analytics Officer

Elena Shtonova

COO – Chief Operations Officer

Levi Velázquez

CTO – Chief Technology Officer

Become a MOver

At MO, our people come first. MOvers come first. We believe in the power of teamwork, the humanity beyond every solution, and the impact we make in achieving financial inclusion.

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Veronica Crisafulli

CEO & CO-Founder

Meet Veronica


A creative mind that focuses on innovation in the digital space and financial inclusion. Business Administrator from Bocconi University in Milan. Veronica obtained her master’s degree in International Management from the ESADE Business School in Barcelona and the Copenhagen Business School. In addition, she studied at the University of Havana in Cuba and at the Carlos III University of Madrid, Spain for periods.

Veronica worked as a strategic consultant for more than 15 years for important consulting companies dedicated to TMT and financial services, such as Bain & Company, Delta Partners, and Mastercard Advisor, where she led projects in South Africa, Argentina, United Kingdom, Brazil, Turkey, Czech Republic, Spain, and Colombia. As of July 27th, 2021, Veronica was appointed CEO at MO.

She has been named one of the 10 Most Successful Businesswoman to Watch 2020 by CIOlook, and recently highlighted as one of the 10 Most Inspiring Businesswomen Making a Difference, 2021. Beyond Exclamation also named her one of the 10 Most Successful Women Renewing the Future in Technology, 2021.

Fun fact

Veronica has lived in more than 9 countries, including South Africa and loves kitesurfing!

Javier Díaz-Cely


Chief Analytics Officer

Meet Javier


Computer Engineer from the Pontificia Universidad Javeriana, Cali, Colombia with a master’s degree in Artificial Intelligence, Pattern Recognition and Applications, Ph.D. in computer science from the Pierre et Marie Curie University (Sorbonne), Paris, France, and a master’s degree in Corporate Finance from the Conservatoire National des Arts et Métiers, Paris, France.

With more than 15 years of experience in the field of Artificial Intelligence in France and Colombia, Javier has accumulated considerable experience in applying Machine Learning to real-world problems in various sectors, such as banking and finance, telecommunications, retail, healthcare, and education.

Fun fact

Javier is a doctor! He has a Ph.D. in Computer Science from the Sorbonne in Paris, and he is also a musician, who loves to play the guitar!

Elena Shtonova


Chief Operations Officer

Meet Elena


Management consultant with more than 15 years of experience in the telecommunications and digital industries, leading new company launches on four continents.

Fun fact

Elena has a degree in Journalism, loves scuba diving and the city of Barcelona.

Levi Velázquez


Chief Technology Officer

Meet Levi


Levi has been CTO of two startups, he is currently Engineering Director at Fintech MO Technologies. He has been building digital platforms for more than 10 years using cutting-edge technologies. Levi has always focused on building scalable systems to solve real-world problems. The last five years he has focused on implementing solutions for the financial sector, mainly in financial inclusion.

Fun fact

Levi enjoys writing poetry in his free time and has a tech channel on YouTube, go check him out!