About Us


Access to credit changed considerably in the aftermath of the 2008 recession: 1) More regulation to mortgages, credit cards, consumer finance… 2) Financial institutions pulled back and performed more conservative underwriting; and 3) Many people had a negative impact on their credit scores because of unemployment, foreclosures, repossessions… Today there are more than 70 million people in the U.S. whose financial needs are not being adequately covered.


In MAS EFECTIVO, we aim at making traditional banking less cost intensive and much faster. The traditional branch banking model is obsolete and does not meet the needs of the new digital lifestyle. We rather believe that the new banking experience should be done in one place, but without banks. With the use of big data, algorithms, and automated processes, MAS EFECTIVO will satisfy the basic banking needs of millions of people.