The questions worth thinking through.Questions worth thinking through.
Editorial work on strategy, market structure and the practice of building businesses in Latin America. Published on no schedule, for the people thinking about the same problems we are.Strategy, market structure and business building in LATAM. No fixed schedule.
Applied AI with Real Return. The only filter that separates AI investments that pay back from PowerPoint slides.
ANDI reports 82.8% of companies investing in digital transformation do so for process automation. That figure sums up the problem. The difference between applied AI and performative AI is not model sophistication. It is measurable return in twelve months.
Read the article →Asobancaria's 2026-2030 Financial Agenda is not a framework. It is the list of capabilities your trust company has to close in 24 months.
Asobancaria's Digital Maturity Report is not recommended reading. It is a public benchmark against which Superfinanciera, reinsurers and institutional investors will measure every entity. The gap between tier-1 and mid-market is 18 to 24 months.
Read the article →September 2026 is not optional. The oil and gas operator that does not automate ANH monitoring loses the operational front.
ANH ordered online measurement and real-time monitoring with a September 2026 deadline. Average fines USD 250-800K. Consulting USD 80-150K. The asymmetry is 6 to 10x. The question is not whether to act, it is how much it costs to arrive late.
Read the article →Decree 0173 of 2026 is not a threat to the insurance sector. It is the filter that separates the insurers that modernize.
When Fasecolda and AIC backed the sector against Decree 0173, the mainstream reading was defense. The correct reading is different: the decree is the first regulatory mechanism that makes it expensive to keep operating the way the sector did a decade ago.
Read the article →The 2026 BIM Excellence Awards are the thermometer. The construction firm that does not apply likely will not make the mandate.
Camacol opened nominations. Participation is not about winning recognition. It is about confirming internally that your firm already has the technical maturity the 2026 mandate will require in the next six to eight months.
Read the article →Colombia 5.0 and the Digital Transformation Mission 2035. Why LIFE INCO operates the milestone that matters most for mid-market.
MinTIC launched Mission 2035: three milestones (Access, Productivity, Sovereignty). Milestone 2 is where mid-market competitiveness gets built. 4/10 Colombians in digital poverty. 60% with digital skills gaps. That is where we operate. By conviction, not marketing.
Read the article →BIM in Colombian construction 2026. The operating playbook before the public-tender mandate hits.
BIM becomes mandatory in 2026. Current adoption: 49%. Three expensive mistakes, what to do in six months, and why implementation needs three simultaneous fronts: technical, legal, and financial.
Read the article →Consulting for Colombian trust companies. The most exposed financial segment that almost no one serves.
27 trust companies manage COP 1,110 trillion. Three simultaneous fronts with no provider integrating them: operational (Superfinanciera reporting), legal (Asobancaria), and technological (AI applied to the contract corpus).
Read the article →Digital transformation in Colombian oil and gas. The operator who does not automate ANLA loses the license.
The regulatory front expanded 3x in five years. Average ANLA fines USD 250-800K. Integrated automation of ANLA plus ANH plus DIAN plus predictive maintenance costs USD 80-150K. Brutal math.
Read the article →Insurtech for mid-market Colombian insurers. IFRS 17 is the opportunity, not the threat.
Three technical levers ready: IFRS 17 transition, claims automation with computer vision, reinsurance automation. Insurers that close all three in 12-15 months capture 4-7 points of operating margin.
Read the article →Why 95% of AI projects fail in mid-market companies.
It is not the technology. It is how the project was scoped, who was hired, and what got measured. The pattern in five phases, the three root causes, and the four questions that separate the 5% from the 95%.
Read the article →Digital transformation versus digitization. The distinction that costs USD 480K.
Most mid-market companies say they are doing digital transformation. Most are doing digitization. Three questions that distinguish the two before approving the budget.
Read the article →Seven signs your mid-market company is already behind on AI.
By 2027 the gap between leaders and laggards will be structural, not cyclical. The seven indicators that tell you, today, which side you are on. If four or more are familiar, the next quarter is being decided now.
Read the article →In-house versus external consulting for mid-market. The math nobody runs.
Mid-market boards default to in-house when budget is tight. The math, when run honestly with the four embedded components, often points the other way.
Read the article →PwC, EY, Deloitte, KPMG, McKinsey. When the global firms are not the answer for mid-market.
It is not an attack. It is the description of a structural mismatch that mid-market boards keep encountering and keep ignoring. When tier-one is the right answer, and when it is not.
Read the article →The fractional executive. When senior capacity beats senior commitment.
Mid-market companies often need senior judgment by the hour, not by the headcount. The fractional model is mature, and the math is more favorable than most boards realize.
Read the article →The third quadrant: why mid-market LATAM lacks a true partner.
The market for strategic consulting in Latin America is sharply divided into two failure modes. The global firms operate at a scale that excludes mid-market businesses. The local agencies operate without the depth those businesses need. There is a third quadrant. Almost nobody occupies it.
Read the article →Strategy without execution is expensive friction.
Most strategy projects fail not for lack of insight but for lack of muscle. The slide deck lands. The decision is made. Then nothing happens. We unpack why this gap exists in mid-market businesses, and what it takes to close it.
Read the article →Alpha that survives the cycle is alpha that was structural to begin with.
A working hypothesis from the LIC Alpha Hunt research desk. Sustainable alpha in emerging markets does not come from speed. It comes from positioning around macro forces that operate on the scale of decades, not quarters.
Read the article →"We publish when we have something to say. Not before."
If a topic here resonates with what you're working through, that is usually a good sign for a conversation.If a topic resonates, that's a good sign for a conversation.