Abner Ballardo | Exploring AI-Native Ventures

Former CIO, Scotiabank Peru | Enterprise technology, architecture & transformation

About me

I work where business choices become technology systems—and where those systems shape what an organization can do next.

For more than two decades, I have moved between hands-on architecture, digital-product development, technology leadership, and teaching. Across those roles, my work has centered on connecting business priorities with architecture, team design, automation, investment choices, and accountability.

At BCP, I led technology for Yape's first MVP, which we built in 16 weeks. As CTO of OKA, I built the technology organization and platform from scratch for a fintech offering Buy Now, Pay Later and cash loans. Most recently, I served as CIO of Scotiabank Peru, leading technology across the bank in a regulated financial-services environment.

Those experiences taught me to look beyond whether a system can be delivered. I am interested in what it costs to operate, how well it can adapt, where decisions belong, and what people must be able to understand before they can take responsibility for an outcome.

My next step is AI-native venture building. I want to learn by building, starting with simple business problems and testing where AI agents can take on work, where shared context improves coordination, and where human expertise and judgment remain essential. My early work with generative AI includes systems that help me organize information, challenge ideas, and prepare decisions; it is a starting point, not proof of a finished model.

This site is the durable home for what I learn from that work and from the experience that came before it. I write about technology strategy, architecture, operating models, digital-product decisions, and the relationship between technical choices and business consequences. I will share useful decisions, experiments, and lessons with their context—including what works, what does not, and what remains uncertain.

I also teach at Pacífico Business School, using practical problems to help professionals connect business questions with technology and implementation choices.

For teaching, executive education, speaking, or selective advisory conversations about technology strategy, architecture, and connecting business priorities with execution, connect with me on LinkedIn and include a little context.