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Technological solutions that exceed regulatory requirements

Be a protagonist of change with those who lead the transformation

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Finance as a Service

We offer consulting and technology services that accelerate your digitalization and adoption of innovations in the financial market. We serve our clients with a high level of personalization.

Instead of starting with ready-made, closed answers, our approach is agnostic; that is, we first understand the problem and then design the solution.

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We Are the Behind the Transformation!

Behind every great transformation, there are people. We are a technology and innovation ecosystem that turns the adoption of digital journeys into value for your business.
Our commitment in establishing the solution strategy is:

Lean solutions

The problem may be complex, but the solution needs to be simple.

Build from good foundations

If solutions already exist that address the problem, our preference will be to customize only the part necessary to deliver the best results for the business.

Born with the scalability ability

Architecture needs to be lean, but with the ability to scale and meet client expectations.

Develop integration architecture

No single solution is comprehensive enough to solve all problems; it's quite normal for companies to coexist with dozens of applications. Just as important as the solutions themselves will be the architecture that ensures integration, data management, and security.
With our expertise in the sector, we offer customized solutions for the financial ecosystem.
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Finance Expertise

Financial management

A financial platform that bridges the gap between payment methods and all the interfaces that require these services.

Payment checkout

Seller management, customer management, transactional management (credit card, bank slip, initiator and Pix), refunds/cancellations, among others.

Digital wallet

Abertura de conta, autenticação de dois fatores, extrato, pagamento de cartão de crédito e configurações.

Digital bank

Account opening, two-factor authentication, statement, account transfer, bill payment, Private Label card and settings.

Scoring engine

Points conversion platform responsible for cashback intelligence.

Administrative panel

Administrative panel, commissions, transfers, advance payments, reconciliation, integrations, among others.
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What challenges did we help overcome?

Segment specificity

We have expertise in technology, protocols, integrations, and regulatory obligations related to technology.

Risk mitigation

We adopt strategies to identify potential digital threats and take preventative action.

Continuous learning

We promote a continuous learning environment using the test & learn method, helping your company to test, document, absorb new knowledge, and evolve continuously.

Adaptability

Our experts assist with a variety of solutions, tailoring deliverables to meet your business objectives.
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The factor!

Boost your operations with customized strategies and master the challenges of your business.

Continuous learning

We promote a continuous learning environment using the test & learn method, helping your company to test, document, absorb new knowledge, and evolve continuously.

Improved customer experience

Transform your customer experience with personalized service using Artificial Intelligence and create fast, relevant, and memorable interactions that build loyalty.

Agility and scalability

Innovate, expand, and lead your business to success with smart digital products. The future is now!

Modernization and integration of applications

Accelerate innovation, eliminate silos, and drive growth by modernizing your applications and integrating systems in a simplified way.
Our AI Center offers the most advanced and innovative solutions, connecting artificial intelligence to business to improve efficiency and promote strategic growth.
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Success Stories

For every challenge, we have a solution.
Personalized Digital Account
Co-creation of Open Finance
Digital Bank

Challenge

The leading company in the ride-hailing segment faced a major challenge managing payments to its partner drivers. These professionals received their earnings in monthly installments or requested advances, which generated high operational costs due to the volume of bank transfers managed by the company.

Solution

In partnership with a national tech company, we co-created an exclusive account for ride-hailing drivers. This account allows them to receive their payments instantly, at the end of each trip or delivery. Furthermore, the account offers several exclusive benefits, increasing convenience and financial efficiency for partner drivers.

Results

1 million registered account holders

Challenge

One of the leading financial institutions in Latin America faced the challenge of developing a robust and efficient ecosystem that met the requirements of Phases 2 and 3 of Open Finance, as mandated by the Central Bank of Brazil.

Solution

To overcome this challenge, we built a complete Open Finance ecosystem, applying our FAPI Whitelabel Consent Module and Reception Modules (TPP). We completed all necessary certifications ahead of the deadline set by the Central Bank of Brazil, ensuring compliance and efficiency.

Results

The first investment bank to be approved and recognized by the Central Bank as a payment initiator.
TOP 3 FAPI/CDR OpenID Certification
TOP 3 Relying Parties Certification
First S1 level investment bank to be approved by the Central Bank of Brazil (BACEN).

Challenge

A digital financial institution targeting all audiences faced the challenge of accelerating its digital transformation through specialized teams focused on improving operational efficiency and meeting the growing needs of its customers.

Solution

To meet this demand, dedicated squads were formed, each with a specific focus. These squads included specialists who monitored and correlated events to prevent fraud, worked on integrating Pix with third-party platforms, developed solutions for business digital accounts, created regulatory and financial reports, ensured the security of online transactions, and developed new products and continuous improvements to existing services.

Results

Participation in defining the fraud prevention process.
Equalization of Pix versions in accordance with regulations.
Business account launch
Validation of documentation, preparation of reports and structuring of reports.
Technical leadership and effective communication, promoting team engagement.

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    Insights

    Arquivos Open Finance - Blog da FCamara Esta é a área de insights sobre o mercado de tecnologia.

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