Brazil’s premier platform for AI-driven credit decisions and credit services
Our Technology Edge:
unique, AI-driven “lab to market” advantage
Continuous Learning System Results
- 0.79 AUC score (vs 0.77 Nubank)
- < 0.01% net fraud rate (vs 0.43% market)
- 4.0% delinquency (vs 7.0% market)
AI-Enabled Customer Analysis
- AI + 8 data sources to deliver Brazil’s lowest net fraud rates
- Onboard the preponderance of customers in < 3 minutes with no photo ID
- Verify identity with up 8 different sources
Onboarding & KYC
Proven to reduce net fraud to < 0.01%
- Brazil’s most accurate, AI-driven underwriting engine: AUC = 0.79+
- Proven to reduce delinquency by 50% at scale while growing exposure
- Credit line recommendations proven to deliver Brazil’s:
- Highest credit card cumulative first purchase rates, and
- Highest line utilization rates
Underwriting Acquisition
Acquire new customers more profitably than any other lender in Brazil
- AI-driven decisions for managing customers
- Optimize credit portfolios with optimally timed credit line increases and decreases
- Proven system for continuous and proactive customer line management
Customer Management
Turn an unprofitable lending portfolio into one of Brazil’s most profitable
AI-Enabled Customer Interaction
- AI + 8 data sources to deliver Brazil’s lowest net fraud rates
- Onboard the preponderance of customers in < 3 minutes with no photo ID
- Verify identity with up 8 different sources
Online Marketing
Reduce acquision costs while improving customer quality
- LATAM’s most extensible and easy to update credit card billing platform
- Deliver invoices by a variety of digital channels
- Integrate in days – not months
LATAM’s most versatile credit card invoicing platform
Acquire new customers more profitably than any other lender in Brazil
- 50% more efficient than other outsourced collections platform
- AI-driven decisions to decide contact channel, time of day and create customer offers
- Leverages WhatsApp, email, phone and social media to optimize customer contact success
Collections
Proven to increase collections rates at while reducing collection costs
Provide your customers Brazil’s most well-loved and profitable credit card
Credit card and app that contains all of Brazilian’s most loved features
Unique features to differentiate your card from others
Integration of AI at every step enables a faster cash payback period than any other card in Brazil
Online Marketing
Brazil’s only system for optimizing paid marketing by customer risk band
Onboarding & KYC
- Customer onboard in < 3 minutes without a photo ID
- Net fraud rate < 0.01%
Underwriting
& Customer
Management
- Proven to onboard more customers with Brazil’s lowest initial delinquency rates
- AI-driven customer credit limit increases
Invoicing
Flexible, multi-channel invoicing
Customer Support
- Brazil’s favorite customer support
- Higher Reclaime Aqui ratings of any credit card
Collections
Brazil’s most efficient collections rates