Roger Sosa, chief operations and technology officer at Banco Davivienda International, continues to push tech boundaries in banking as of August 2025. From his early days installing a single PC in a loan department to leading digital transformations in Miami, Sosa drives innovation that blends operations with cutting-edge tools, helping the bank thrive in a fast-changing global market.
From Humble Tech Starts to Banking Leader
Sosa’s journey began in the late 1980s in New Jersey, where he moved from Cuba as a toddler. He installed that first computer for an entire loan team, a machine with less power than today’s basic smartphone.
This early hands-on work sparked his passion for merging technology with banking operations. Over decades, he built expertise at firms like Coutts, Datapro, and Temenos, focusing on global software solutions.
His roles exposed him to diverse cultures, including leadership programs in the UK that gathered executives from around the world. These experiences shaped his view that tech must integrate deeply with daily operations.
Today, at Banco Davivienda International since 2019, Sosa applies this blend to Miami’s vibrant banking scene. The bank, part of Colombia’s Davivienda group, serves Latin America and beyond with innovative services.
Driving Innovation in a Digital Era
Banking has evolved rapidly, and Sosa stands at the forefront. He notes how operations and tech once operated in silos but now fuse for better efficiency.
In 2025, with digital banking booming, Davivienda reports a 49 percent rise in utilities, fueled by tech investments. Sosa’s leadership helps integrate tools like AI and blockchain, aligning with trends seen in reports on smarter tech spending in banking.
His work includes enhancing payment systems and sustainable finance options. For instance, the bank’s sustainable loan portfolio hit $27.3 billion, making up 18.8 percent of total assets.
Sosa’s international background aids in navigating Latin America’s diverse markets. Recent mergers, like the one with Scotiabank set for late 2025, expand Davivienda’s reach, and Sosa ensures tech supports seamless integration.
Under his guidance, the bank adopts real-time data analytics to improve customer experiences. This approach mirrors global shifts where banks use AI for personalized services, reducing wait times and boosting security.
Key Achievements and Milestones
Sosa’s career boasts several standout moments that highlight his impact on banking tech.
- Led software implementations at Temenos, improving efficiency for clients across Europe and Asia.
- Directed operations at Coutts, emphasizing people-focused tech strategies that enhanced global teamwork.
- At Davivienda, spearheaded digital platforms that supported a 66 percent utility increase in early 2025.
These efforts contribute to broader industry trends. In 2025, banking tech investments focus on resilience and innovation, as seen in events analyzing blockchain’s role in secure transactions.
Sosa’s philosophy stresses discipline and respect, learned from diverse training. He recalls executive sessions in castles, where global perspectives fostered innovative thinking.
His Miami base allows him to tap into the area’s tech hub status, collaborating with startups and fostering fintech partnerships.
Challenges and Future Outlook
No path is without hurdles. Sosa has navigated economic shifts, like those in Latin America, where digital infrastructure varies by country.
In 2025, with mergers on the horizon, integrating systems poses risks but also opportunities for growth. Davivienda’s digital push addresses this, aiming for a unified platform by year-end.
Looking ahead, Sosa envisions more AI-driven banking, from chatbots to predictive analytics. Industry forecasts predict banks investing billions in tech, with a focus on sustainability and inclusion.
He emphasizes adapting to user needs, such as mobile apps for underserved communities. This aligns with global efforts to build digital public infrastructure in regions like Mexico and Colombia.
Sosa’s team explores emerging tech like digital wallets and eco-friendly lending tools, positioning Davivienda as a leader in responsible innovation.
Impact on Customers and Industry
Sosa’s innovations directly benefit users. Enhanced digital services mean faster loans and better security, crucial in today’s cyber-threat landscape.
For example, Davivienda’s app now handles over half of transactions digitally, up from previous years. This shift saves time and reduces costs for customers.
In the bigger picture, his work influences banking standards. Here’s a quick look at key banking tech trends in 2025 influenced by leaders like Sosa:
| Trend | Description | Impact on Davivienda |
|---|---|---|
| AI Integration | Using artificial intelligence for personalized banking | Improved customer service with 24/7 support |
| Sustainable Finance | Loans tied to green projects | $27.3 billion portfolio, 45% annual growth |
| Blockchain Security | Secure transaction ledgers | Reduced fraud in international payments |
| Digital Mergers | Tech for seamless bank integrations | Preparing for Scotiabank merger |
These advancements solve real problems, like access in remote areas, and entertain with user-friendly interfaces.
As banking evolves, Sosa’s story inspires. Share your thoughts on tech in banking below, and spread this article if it sparked ideas for you.
