Davivienda

Davivienda is the Colombian bank people often think of for retail banking that feels a little more consumer-facing than the oldest incumbents. By our assessment, its strength is the mix of everyday accounts, cards and digital access, backed by a brand that is widely known in Colombia. The trade-off is still the same one for a large bank: more structure, more rules and less of the frictionless feel of a pure app service. In practice it is a bank of ordinary financial life, with branches and online channels doing different parts of the job. It sits among Colombia’s major banks, but with a more modern public image than some of the older names. The catalogue marks it for Colombia, and that is the market where its brand matters most.