CSU Digital is a pioneer and one of the most innovative providers of technological infrastructure (infratech) for financial services on the market.
We offer the most complete and secure platform for digital payment solutions and financial products on the market, which can be embedded via API in multiple interfaces (CSU white label and/or customer APP’s, marketplace and/or CSU wallets, digital accounts, among others), fully or partially (modular systemic architecture).
This platform is designed to be quickly integrated with others, allowing for an increasingly comprehensive range of services and a unique ability to adapt to the individual needs of each type of industry in which the companies that hire us operate. We are the only fully agnostic company in the market – multi-product, multi-currency, multi-bank and multi-channel – giving us a significant advantage in terms of growth on a global scale.
But we’re not stopping there. Strengthening our operating model, which we call Full Service, with a high level of technology to automate processes, including the massive use of artificial intelligence and machine learning. Complementing these services with a range of other solutions designed to meet and solve the daily challenges of any financial operation, such as risk analysis and compliance, customer onboarding, loyalty and incentive programmes, customer service, new service sales, billing and collections, among others.
We work in partnership with companies from different market segments, including banks, financial companies, insurance companies, e-commerce, telecom operators, energy companies, department stores, oil distributors, cosmetics companies and many others, through a B2B2C (Business to Business to Consumer) model – in other words, we offer our services to a company that in turn offers them to end customers.
At the same time, it ensures high flexibility to develop solutions that are fully adaptable to the needs of each business, thanks to the microservices architecture we have adopted. Customers have the freedom to choose between contracting via white label applications or partial integration via API (Application Programming Interface).
We also offer processing solutions for acquirers, providing a complete approach to the needs of the payments industry.
The services offered by CSU Digital combine the objectives and strategies of each client with the technological, marketing and operational capabilities of each of its divisions:
CSU Pays encompasses all state-of-the-art solutions in Digital Payments, Loyalty and Incentives and Embedded Finance services.
Full service for Card,
Pix, Pix on Credit
and Cryptocurrencies
Infrastructure for management of
Loyalty and Incentive Programs (Points and Cashback)
and for marketplaces for
redemption or purchase
Tecnhology for Digital Accounts
(individuals or enterprise)
and financial services (Marketplace)
via API or
White-label app
CSU DX focuses on the development of high-tech operations to manage business processes in different markets, guaranteeing the full capacity (infrastructure, people and technology) of the contracted services.
Hyperautomation platform for Data Curation and Exchange,
Fraud Prevention, Onboarding and Credit,
Quality Monitoring and Disputes & Claims,
with extensive use of Artificial Intelligence (AI).
Hybrid infrastructure (technology and
people) for customer service,
cross and up sell and collection
Full service for Card,
Pix, Pix on Credit
and Cryptocurrencies
Infrastructure for management of
Loyalty and Incentive Programs (Points and Cashback)
and for marketplaces for
redemption or purchase
Tecnhology for Digital Accounts
(individuals or enterprise)
and financial services (Marketplace)
via API or
White-label app
Hyperautomation platform for Data Curation and Exchange,
Fraud Prevention, Onboarding and Credit,
Quality Monitoring and Disputes & Claims,
with extensive use of Artificial Intelligence (AI).
Hybrid infrastructure (technology and
people) for customer service,
cross and up sell and collection
CSU Pays encompasses all state-of-the-art solutions in Digital Payments, Loyalty and Incentives and Embedded Finance services.
CSU DX focuses on the development of high-tech operations to manage business processes in different markets, guaranteeing the full capacity (infrastructure, people and technology) of the contracted services.
We offer the broadest product portfolio in the digital payments market, enabling our clients to tailor their offering to the profile of their end customers and to strengthen and enhance their brands:
Physical cards, digital cards (mobile and wearables) or virtual cards in credit, debit and prepaid modes
Digital wallets (wallets)
Instant payments (Pix and Pix on Credit)
Cryptocurrencies
Bin sponsor
Acquiring
We enable fluid, scalable and agile processing of financial transactions as a result of our full-service model, which draws on a complete range of services such as:
of TPV*
of registered cards and accounts
of processed transactions*
(*) LTM = Last twelve months
Our loyalty platform is a powerful tool that serves both companies that want to engage and retain their consumer base and those that want to motivate their employees, teams and partners through incentive programmes.
The mechanics of these programmes are intuitive and follow the concept of ‘gamification’ and involve rewarding users for using, buying and/or offering products and services from our contracting clients’ portfolio. Each real consumed or generated in such transactions allows the accumulation of points. The user then has access to a catalogue of products and services that can be redeemed based on these points.
This can be done via:
Receive prizes, services or discounts in partner stores
Cashback
With a highly specialized team and differentiated technological solutions (points engine, marketplace, promotional campaigns and analytics), we promote the efficient management of these programs and give our customers more autonomy to: analyze sales campaigns performance, improve liaison rules and customer retention rate and adjust investment in advertising and marketing.
There are more than 100 partners (+ 2,000 establishments) linked to CSU. They are available for our clients to add to their programs.
Using the OPTe+ technology platform, our contract customers can also provide a virtual shopping environment (marketplace), giving their end customers or employees access to a wide selection of more than 500,000 products:
Through our White Label app
Via our Embedded Finance solution
By incorporating our technology into proprietary applications
With CSU’s loyalty solution, our clients and partners create a complete experience for their end customers or employees, while opening doors to new revenue streams for their businesses.
rescue
partners
options in products,
services and experiences
A complete, modular and customizable platform designed for companies in a wide range of sectors that want to offer financial services to their customers and partners.
With a flexible technological architecture, our clients can choose the product offering that best suits their business needs, either by integrating their systems with our platform through APIs (Application Programming Interface) or by offering a complete solution to their users through our white label application. Our ecosystem includes:
Personal and Business digital accounts
Cash in and cash out
Payment of bills
Top ups
Issuance and settlement of bills
Digital cards
Instant payments
Financial products (credit, investments, insurance)
Marketplace
Built on a robust and agile technology infrastructure, our solutions provide security and efficiency for companies interested in offering embedded financial services to their businesses. This results in:
Generation of new revenue streams
Greater engagement
Significant brand strengthening
Reduction of collection costs
Extensive analytics and big data opportunities
In this context, CSU Digital stands out by promoting and offering embedded financial services that not only provide access and enable our clients to offer highly technological and personalised financial solutions, but also act as a gateway to offer other services such as payments, loyalty, customer service and BPM.
Integrated into the CSU DX vertical, hyper-automation solutions play a crucial role in our consolidation strategy, as they drive the company’s growth (new sales, cross-sell and up-sell) and further strengthen our performance with our clients.
In line with one of the key tenets of our business model, which we call “full service” – not only providing the entire technology infrastructure for financial services, but also assisting with operations and monetization – our solutions enable our clients to expand their financial product offerings with quality and efficiency. This reflects our commitment to excellence in financial services.
Our Hyperautomation Solution, known internally as HAS (Hyperautomation Solution), is highly versatile, non-intrusive and combines technology, knowledge and business-critical management to address multiple needs, solving seemingly simple, everyday problems in processes such as sales, customer onboarding, credit approval, product approval, and transactions.
All of this is made possible by the massive use of technology to capture and interpret multiple sources of data (including unstructured), handle a growing volume of interactions, significantly reduce response time to user requests, and reduce the volume of errors and handling in the middle and back office activities of companies (frictionless experience). This approach not only improves efficiency, but also reduces operating costs for companies that deploy these systems.
Some examples of needs that can be met:
Onboarding
Fraud Prevention
Quality monitoring
Routine Back Office Activities
Disputes and claims and much more
Curation and Exchange
By applying the most advanced technologies in artificial intelligence, automation and machine learning, HAS is ready to revolutionize companies’ operations, drive the expansion of our business fronts and significantly increase our margin generation potential.
reduction of operating costs
reduction of the average time
to resolve demands
reduction of operational
errors
Understanding the needs and evolution of our clients’ card operations, which essentially require a high volume of interactions between issuers and consumers, CSU Digital has developed its portfolio of customer experience solutions.
These services include:
Relationship
Engagement
Technical support
Cross-sell and up-sell
Billing
The demand for continuous interactions with customers, regardless of time, place, channel or device, requires the integration of these interactions with essential systems. This drives the need for an ecosystem of continuous innovation, and in this scenario, CSU Digital stands out due to the technological base that differentiates us from other players in the industry.
This evolution has strengthened our presence and specialization in providing a holistic approach to customer experience. The integration of chatbots, advanced algorithms and machine learning, fraud detection and prevention technologies, and digital service channels has become a reality in this segment.
Today, more than 70% of end-user interactions managed by CSU are digital, through self-service tools, chatbots or automated mechanisms. With the growing demand for our financial services, such as in the Embedded Finance segment, it is only natural that this segment will continue to benefit.
