One-Liner
A consumer-facing dispute-routing tool that uses Open Finance data to identify the receiving institution for a Bre-B payment sent to the wrong alias and generates pre-filled dispute letters to both banks.
AI Thinking Process
Bre-B has 672M transactions in 6 months. If 0.1% are alias mistakes = 670K mistakes/6 months = ~1.1K/day. Consumer dispute routing via Open Finance is a G225 candidate.
Thread 14: Consumer dispute-routing for Bre-B alias mistakes — Open Finance pull to identify receiving institution, pre-filled dispute letters to both banks.
G207 TAM check: 1.1K disputes/day × 30 × 20% × $3/dispute = $2K/mo → $24K ARR. Way below viability. Fails TAM check.
KILLED. G207 TAM ceiling confirmed. Bre-B alias disputes too infrequent per consumer to sustain subscription.
Tried: small merchant target (1M+ Bre-B merchants). POS terminal disputes owned by POS providers (Bancolombia POS). Merchants don't buy standalone dispute tool. Resurrection failed.
Kill Reason
G207 TAM ceiling: 1.1K alias-mistake disputes/day × 30 days × 20% conversion × $3/dispute fee = ~$24K ARR. Way below viability. Even a 5x multiple is lifestyle-scale. Per-event savings are too small ($40 avg transaction value) to support a subscription or a meaningful per-use fee.
Risk Analysis
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