Abner Ballardo

Exploring AI-Native Ventures | Former CIO, Scotiabank Peru | Technology, Business & Architecture | Educator

Exploring AI-native ventures.
Connecting technology to business outcomes.

My next focus is to test how a business can work when AI agents, shared context, and human judgment are part of its design from the beginning.

I bring more than two decades of hands-on experience across banking, fintech, and digital products, including serving as CIO of Scotiabank Peru and building technology organizations and platforms from inception.

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Digital Innovation Journey

Digital Innovation Journey

Most digital products fail not by breaking, but by locking leaders into irreversible decisions.