In today’s market, offering just a good product is no longer enough. The companies that stand out are those that transform the customer experience by integrating financial services into their ecosystem seamlessly and personally. This strategy, known as financial verticalization, allows brands from various sectors to offer solutions such as digital accounts, credit, and payments within the consumer's journey. The result? Greater loyalty, increased engagement, and new revenue opportunities. Discover how this approach is redefining the relationship between businesses and customers in the financial sector.

But what is Financial Verticalization and how does it work?

Financial Verticalization consists of incorporating financial services directly into a company’s portfolio, regardless of its industry, whether traditionally financial or not.

This includes offerings such as:

• Personalized digital accounts;
• Credit and financing services;
• Payment and transaction solutions;
• Tailored investment products.

Companies from various sectors, such as retail, technology, and mobility, have adopted this model to offer financial services directly to their customers, reducing intermediaries and strengthening their relationships.

The role of Hyper-Personalization is to enhance each customer’s individual preferences and behaviors through real-time data analysis, intelligent automation, and advanced AI.

Some possible application scenarios include:

Financial Product Recommendations

• Personalized credit offers with rates based on the customer’s financial history and spending behavior.
• Investment suggestions aligned with life goals, such as retirement or travel.

Facilitated and Optimized Payments

• Payment methods integrated directly into the company’s ecosystem, adapted to the consumer’s profile.
• Personalized notifications and reminders to prevent delays in bill or loan payments.

Personalized Financial Management

• Tools that help customers control expenses with advice and insights based on their financial routine.

The combination of these strategies offers several benefits for companies and consumers:

• Increased Loyalty: Customers become more loyal to brands that understand their specific financial needs.
• Enhanced User Experience: Processes flow naturally, with fewer friction points.
• Competitive Differentiation: Companies integrating personalized finance gain a significant edge in saturated markets.
• Greater Monetization: Personalized offers drive higher adoption of financial products and services.
• Cost Reduction: Hyper-personalization enables more efficient campaigns, reducing waste.

Although hyper-personalization-based verticalization offers many benefits, there are challenges to overcome:

• Data Protection: Intensive data usage requires strict compliance with regulations such as the LGPD.
• System Integration: Unifying financial and behavioral data into a single platform can be complex.
• Organizational Culture: Companies must adopt a customer-centric mindset to successfully implement hyper-personalization.

The solution to these challenges lies in investing in cutting-edge technologies, strategic partnerships, and team training.

Qintess understands financial verticalization based on hyper-personalization as a lever to transform consumers’ financial experience by integrating financial services with advanced AI and analytics technologies.

As hyper-personalization becomes increasingly essential, the evolution of technologies such as blockchain, generative artificial intelligence, and IoT will enable the creation of even more integrated, accessible, and personalized financial ecosystems. This will allow consumers to experience a new era of financial services, where every interaction reflects their unique needs and aspirations.

It’s not just a trend; it’s a strategic opportunity to reinvent how financial services are conceived and delivered.

Case Study

Qintess partnered with a private-sector financial institution to develop a digital credit granting platform for vehicle dealerships. The goal was to capitalize on the demand generated by the decline in new car sales during the pandemic and compete with automakers’ affiliated banks, which dominated this market.

The financial institution sought to expand its credit portfolio for the automotive sector, entering a market largely explored by automaker banks. Efficiency, optimizing the customer journey, and capturing value in this new channel were key priorities.

Qintess developed a digital credit granting platform aligned with the dealerships’ specific needs. The service design was tailored for a specific market, creating a prototype suited for business decision-making, providing an optimized consumer journey experience, and implementing agile orchestration of integrations during development.

With the solution implemented by Qintess, the financial institution achieved the following results:

• Expansion of Vehicle Credit Products: The vehicle credit portfolio exceeded R$ 15 billion.
• Credit Portfolio Growth: A 12% increase in the credit portfolio within one year.
• Significant Business Contribution: The “Vehicles” category reached a 44% share of the credit portfolio, standing out within the bank’s portfolio.
• Expansion of Partner Network: The platform reached over 19,000 merchants and dealerships, offering a seamless and efficient experience.

These results demonstrate the effectiveness of the partnership between Qintess and the financial institution in creating innovative solutions for the financial sector.

The Role of Qintess

Qintess has a specialized team that helps clients integrate personalized financial services with advanced technologies, using a customer-centric approach that combines artificial intelligence and data governance to deliver differentiated and highly personalized financial experiences aligned with global best practices.

Schedule a Discovery session with our team and discover how to enhance your business.