WIDE PORTFOLIO AND ROBUST TECHNOLOGICAL INFRASTRUCTURE TO
CREATE LONG-LASTING RELATIONSHIPS
Operational Context
Created in 1992, CSU Digital was the first independent processor and administrator of electronic payment methods in Brazil. At the time, the payment methods market was incipient and restricted to a few issuers capable of managing the entire credit card cycle. At that time, only 120 thousand Brazilian commercial establishments worked with cards, and the market was restricted to five million units.
Taking advantage of the differentiated knowledge of its founders and executives about this segment, CardSystem, as the Company was called, initially began to offer services to commercial banks for card issuing and processing, changing the course of this segment in the country.
Since then, the history of CSU Digital follows pari passu the trajectory of the Brazilian payment methods market, a highly technological sector with levels of sophistication compatible with the most advanced markets in the world.
The progress of the media, the evolution of smartphones, and the rise of new digital solutions and products, added to the changes in the Brazilian regulatory framework regarding the universe of financial services, had transformed the consumption reality in the country and the world and allowed the rise of new companies from the most varied segments and the expansion of the services offered to final consumers.
This scenario opens a range of new business possibilities for CSU Digital, by encouraging companies to opt for the accelerated digitalization of their operations and processes and seek more sophisticated solutions for their consumers. For this, they count on the support and partnership of our Company to speed up the implementation of their financial ecosystems, reduce the need for large investments and thus allow them to maintain the focus on their operations.
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 investments in technology allow CSU Digital to offer the most innovative solutions to customers, whether related to digital solutions or systems infrastructure. Maintaining its development team gives the Company the ability to develop and adapt solutions according to the real needs of each client with great agility.
The company counts on the best in terms of network and data architecture, in high and low platforms, in an exclusive and independent site, with hierarchical
segmentation by the level of access, which provides clients with security in storing and dealing with information.
It has an operation with a very high degree of availability, adding to great agility in the implementation of new solutions and operations for new customers.
Experienced and Specialized Team
Our team has vast experience in the sectors in which the company and our clients operate, increasing the level of assertiveness in the choice of guidelines for corporate growth, as well as mastery of the countless rules and requirements that permeate the financial sector, ensuring the continuity and stability of operations.
The Company operates in a consultative manner, translated into the offer of services adjusted to each client, an attribute made possible only by the Company’s know-how and robust infrastructure. In addition, we have a customer service and management team that is entirely dedicated to following up on the day-to-day implementation and support of the different products and services.
The Company has clear foundations and a cohesive team aligned to its Mission and Vision, as well as to the Management by Objectives model.
Diversification of Services
We offer a broad portfolio of digital solutions to create advantages to sell new services to customers (current and potential) against competitors, reduce costs as a whole in the production chain from gains of scale, and diversify any business risks facing the different economic cycles without wasting the opportunities that arise.
Our performance is based on an offer of solutions in the Full-Service concept, a modality that has always been part of our DNA, whose strategy generates new and constant chances to increase the number of solutions contracted by our customers and to expand our partner base, with consequent gains in market share.
Growth Strategies
Aiming to maximize its results and consolidate itself in the market as the only company in the sector able to offer such a broad portfolio in the provision of high technology services focused on consumption, customer relationships, and electronic transactions processing, CSU Digital developed a differentiated performance strategy, based on solid guidelines that aim to build long-term relationships with its clients.
Experienced and Specialized Team
Our team has vast experience in the sectors in which the company and our clients operate, increasing the level of assertiveness in the choice of guidelines for corporate growth, as well as mastery of the countless rules and requirements that permeate the financial sector, ensuring the continuity and stability of operations.
The Company operates in a consultative manner, translated into the offer of services adjusted to each client, an attribute made possible only by the Company’s know-how and robust infrastructure. In addition, we have a customer service and management team that is entirely dedicated to following up on the day-to-day implementation and support of the different products and services.
The Company has clear foundations and a cohesive team aligned to its Mission and Vision, as well as to the Management by Objectives model.
Sale of New Solutions to its Current Partners
CSU Digital seeks to rapidly expand its main operations by intensifying activities for customers who are already in its base, taking advantage of portfolio diversification (Full Service model) to offer additional solutions among the numerous opportunities for cross-selling and up-selling that are available.
In summary, this broad diversification of services offered deepens the relationships with our customers and increases their loyalty, which enables us to maintain attractive commercial conditions while promoting gains of scale to our business as the volume of contracted services expands.
Today, the Company is quite diversified in terms of revenue generation from the different types of digital solutions offered and the various partnerships established with more than 40 companies from different industries, which make the business more balanced and sustainable from the point of view of results, besides creating countless avenues for growth.
Selling Solutions to New Partners in New Markets
Each new commercial partner acquired brings with it a base of final consumers whose main interest is to access, contract, and pay for services in a 100% digital way, without frictions or transfers between systems and partners.
For CSU Digital, each new conquest allows the creation of an additional addressable market in each service offered, individually or together, in the numerous ecosystems where we are present.
In other words, for each service or each combination of services demanded, in each established partner, end-user adoption of our solutions increases and, consequently,our market penetration expands.
New Product and Business Development
Since its foundation, CSU Digital has constantly evaluated new opportunities to diversify revenue sources through investments in new technologies and solutions that enable the rapid development of new expertise and the possibility of expanding the Company’s growth levels.
The establishment of CSU Digital’s new businesses foresees the following conditions:
i) markets with relevant potentials;
ii) high growth rates;
iii) significant operating margins; and
iv) synergy with current business units.
Innovation and Gains of Scale
In a world of constant change, pursuing innovation is a factor for success. CSU Digital is a Company that has in its DNA technology and the sensitivity to anticipate changes in consumer habits, markets, and business cycles.
The Company’s performance in all segments of activity, associated with the scale of operations and synergy between business units enables CSU Digital to maintain a good level of investment and, therefore, keep us at the forefront of new technologies that emerge daily.
The proven ability of our team to develop innovative and cost-effective services and solutions makes it possible to constantly evolve our operations and consequently increase all of the Company’s key financial metrics from gains in scale.
