Wide portfolio and robust technological infrastructure to create long-lasting relationships
Operational Context
Founded in 1992, CSU Digital was the first independent processor and administrator of electronic means of payment in Brazil. At that time, the payment market was in its infancy and limited to a few issuers capable of managing the entire credit card cycle. At the time, only 120,000 Brazilian merchants accepted cards and the market was limited to five million units.
Taking advantage of its founders‘ and executives‘ in-depth knowledge of the segment, CSU initially began offering card issuing and processing services to commercial banks, changing the course of this segment in the country.
Since then, the history of CSU Digital has followed the evolution of the Brazilian payments market, a highly technological sector with a level of sophistication compatible with the most advanced markets in the world.
The progress of communication means, the evolution of smartphones, the emergence of new digital solutions and products, added to the changes in the Brazilian regulatory framework regarding the universe of financial services, have transformed the reality of consumption in the country and in the world, allowing new companies to emerge in the most diverse segments, expanding the range of services offered to end users.
This scenario opens up a series of new business opportunities for CSU Digital, encouraging companies to opt for an accelerated digitalization of their operations and processes and to seek more sophisticated solutions for their consumers. To this end, they can count on the support and partnership of our company to accelerate the implementation of their financial ecosystems, reducing the need for large investments and allowing them to focus on their core business.
Competitive Advantages
CSU Digital is widely recognized in the market for its mastery in the execution of its services. The robustness of its technological infrastructure, the extensive knowledge of its team of business variables and the financial system, the high volume of investments in security, and its broad portfolio, added to the broad structure of Customer Service and Management, ensure unique operational stability.
Technology, Security, and Stability
Constant investment in technology allows CSU Digital to offer its customers the most innovative digital solutions and system infrastructure. Maintaining its own development team gives the company the ability to develop and adapt solutions to the real needs of each client with great agility.
The company has the best network and data architecture, on both high and low platforms, in an exclusive and independent location, with hierarchical segmentation by access level, which provides clients with security in the storage and handling of information.
It has an operation with a very high degree of availability, together with great agility in the implementation of new solutions and new client operations.
Experienced and Specialized Team
Our team has extensive experience in the sectors in which the company and our clients operate, which increases the level of assertiveness in choosing the guidelines for the company’s growth, as well as mastering the numerous rules and requirements that permeate the financial sector, guaranteeing continuity and stability of operations.
The company acts in a consultative manner, offering customized services to each client, an attribute made possible only by the company’s know-how and robust infrastructure. In addition, there is a fully dedicated customer service and management team that oversees the implementation and support of the various products and services on a daily basis.
Diversification of Services
We offer a broad portfolio of digital solutions to create competitive advantages for selling new services to customers (current and potential), to reduce costs throughout the production chain through economies of scale, and to diversify and mitigate any business risks in the face of different economic cycles, without missing the opportunities that arise.
Our performance is based on offering full service solutions, a modality that has always been part of our DNA, whose strategy generates new and constant opportunities to increase the number of solutions contracted by our customers and to expand the partner base, with consequent gains in market share.
Growth Strategies
In order to maximize its results and consolidate its position in the industry as the only company capable of offering such a broad portfolio of high-tech consumer services, customer relations and electronic transaction processing, CSU Digital has developed a differentiated operational strategy based on solid guidelines aimed at building long-term relationships with its customers.
Expansion and Diversification of
Solutions for End Users
CSU Digital aims to rapidly expand its core business by intensifying its activities for its existing customers, taking advantage of portfolio diversification (full service model) and end-user activation strategies to offer additional solutions among the numerous existing cross-selling and up-selling opportunities.
In short, this broad diversification of services offered deepens our relationships with our customers, increases their loyalty and activation, and allows us to maintain attractive commercial conditions to the extent that they promote economies of scale for our business as the volume of services contracted and transactions per user increases.
Today, the company is highly diversified in terms of revenue generation from the different types of digital solutions offered and the various partnerships established with companies in different sectors, which makes the business more balanced and sustainable in terms of results, as well as creating numerous avenues for growth.
Expansion of the
Active End-User Base
Each new commercial partner we win brings with it a base of end users whose primary interest is to access, contract and pay for services 100% digitally, without friction or transfers between systems and partners.
For CSU Digital, each new customer enables the creation of an additional addressable market for each service offered, individually or collectively, in the numerous ecosystems in which we operate.
In other words, for each service or combination of services requested, with each established customer, we increase the end-user adoption of our solutions and, consequently, our market penetration.
Innovation and Development of
News Products and Businesses
In a world of constant change, the pursuit of innovation is the key to success.
CSU Digital is a company whose DNA is technology and the sensitivity to anticipate changes in consumer habits, markets and business cycles. The company is constantly evaluating new opportunities to diversify its sources of income by investing in new technologies and solutions that will allow the rapid development of new expertise and the possibility of increasing the company’s growth levels.
The establishment of new businesses of CSU Digital provides for the following conditions:
i) markets with relevant potencials;
ii) high growth rates;
iii) significant operating margins; and
iv) sinergy with current business units.
Operational Efficiency and
Gains in Scale
The company’s performance in all segments, combined with the development of solutions to improve operational efficiency, scale of operations and synergies between business units, enables CSU Digital to increase its profitability and cash generation, while maintaining a good level of investment and return to investors.
Our team’s proven ability to develop innovative services and solutions with the best cost-benefit ratio allows us to constantly evolve our operations, with a consequent increase in all of the company’s key financial metrics based on its gains in scale.