Via our partner Circulo de Credito, leading Mexican lenders and banks rely on Powens to reduce fraud and default rates, while providing an exceptional digital experience.
Instantly retrieve a PDF document with previous month history of employers, dates of employment, and declared income.
Send both one-shot requests for underwriting, then ensure a continuous risk monitoring with auto-refresh.
To ensure data privacy compliance, Powens does not store IMSS data. Each request is dynamically performed and ensures the data provided is always the latest.
We process 30M requests per year, with up to 8M a month and 200/minutes at peak. Our conversion rate averages 90%+.
Deliver instant credit experiences, increase loan acceptance while reducing fraud, arrears and defaults.
Providing instant loan decisioning solution to leading lenders in MX.
With 30M requests per year, up to 8M a month and 200/minutes at peak, Powens is the leading provider of IMSS data in Mexico.
Powens respects users’ data privacy and ensures bank and lenders can enforce their privacy policies with confidence. We only retrieve data upon user request and do not store it permanently.
Some providers rely on past user data that was stored months ago. Powens always retrieves the data dynamically at request, to ensure our customers make accurate lending decisions.
Powens connects directly to Mexico’s Instituto Mexicano del Seguro Social (IMSS). The user authenticates with their CURP (Mexican personal ID number), and Powens retrieves their official employment and income data — including salary history, employer records, and social security contributions — in a structured, digital format ready for integration into your application
Data is retrieved in real time directly from the IMSS government system — not from cached databases or user-uploaded documents. This eliminates the risk of forged or outdated payslips and ensures that income and employment information reflects the latest official records.
Employment Verification data provides verified salary history, employment stability (tenure with current and past employers), and contribution regularity — all of which are strong predictors of repayment capacity. This is especially valuable in Mexico where many borrowers have thin credit bureau files. Lenders can use IMSS data alongside or in place of traditional credit scoring to expand lending to underserved segments while controlling risk.
Yes. Powens delivers Employment Verification data through its standard REST API in structured JSON format. Employment records, salary figures and contribution histories are returned as normalised data fields that can plug directly into your scoring engine, CRM, or back-office system without manual parsing.