Keys to effective bank monitoring in Mexico

By 23 Mar 2022 MEXICO

Today it is impossible to conceive of a fully functional society without an economic and financial system in its structure. 

Banks, understood as the entities in charge of managing the money of a large percentage of the world's population, have long been the preponderant organisms for the control of economic capital in our times.

In line with this, and as a direct effect of the pandemic, in the last 24 months, various conditions have accelerated the use of electronic banking, payment applications and financial technology (fintech). These conditions have fostered and consolidated the digital payment culture in Mexico.

Although the digitisation of payments is still relatively new due to the technology gap, the health crisis, real-time transactions, traceability and lower fees have accelerated the process of virtual payments taking hold among Mexican users.

It is in the face of this challenge that bank monitoring companies have become key players in the mission to provide these institutions with the conditions that guarantee the highest security and the best banking experience. and the best experience in their digital services.


According to data from the Association of Banks of Mexico (ABM), digital banking operations showed a 21% growth between January and August 2021, compared to the same period last year. 

In the first two quarters of 2021, 1.048 billion transactions were conducted via internet banking. These figures support that the trend is set to increase by 2022. 

In the same year, ATM withdrawals fell by 21% between April and August, according to industry data. In contrast, digital interbank transfers increased by 62% between June and August. 

All this leads to greater trust in fintechs, as they have been the pioneers in promoting the digitalisation of finance, a trend that, to some extent, other traditional banks have joined. 


As institutions with huge sums of money in their care, banking institutions are highly susceptible to criminal attacks.

Banking institutions need to have solutions that enable risk prevention and optimal reaction to criminal incidents by integrating state-of-the-art technology and processes designed according to the specific characteristics and needs of each institution.

Today's banking facilities require, above all, the implementation of a monitoring centre that allows them to visualise the quality of their platforms. the quality of the platforms and integrates a set of relevant technologies to ensure the physical and electronic security of their operations.

This is implemented in order to provide its clients with the best service and confidence while protecting their economic capital.

 Likewise, a monitoring centre must ensure the optimal functioning of the systems it manages in a banking institution. 


Atentus, a company specialising in delivering metrics and indicators for the quality management of digital channels and technology infrastructure services, has begun to venture into the monitoring of banking in Mexico. after having a high participation in the retail sector.

With the knowledge of the experience and methodology it has developed since its founding in 2001, Atentus is clear about the six key points for monitoring digital channels:  

1. Measuring perceived quality quality of the digital channel. In the digital world we have what we call "incognito digital users", which is a synthetic monitoring technique that, depending on the tool and platform, can provide us with more or less information for a good and accurate diagnosis.

2. Monitoring of real users. This technique is known as RUM (Real User Monitoring) and can be implemented with invasive tools (that mark the user) and non-invasive tools (that measure on the server side). 

While this information is exploited by marketing and product areas, it is possible to add "quality of response" dimensions that provide valuable information for debugging applications.

3. Application Performance Monitoring. This is a software debugging technique that makes the behaviour of applications and their interactions visible, without intervening in their code. 

Using these tools Atentus can create service maps between applications, measure the performance of: databases, routines, queries, on-demand executions, services, etc. Although these tools make applications visible, their real power is used by software development teams, as they have debugging information in production.

4. Service Monitoring. Allows to visualise the status of each infrastructure service and the impact on each digital channel in production.

5. Server Monitoring. Allows you to visualise the status of each server, physical or virtual (on premise or in the cloud), of the entire infrastructure and the impact on each digital channel in production.

6. Data and Communications Network Monitoring. Allows visualisation of the status of the network and security components of the infrastructure as well as of the link and communications providers.

All these aspects are part of the variety of products that Atentus offers to its clients, to which banking will soon be added, and which will allow them to have a complete view of your digital channels when making important business decisions.

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