The movement of traditional companies towards the world of fintechs has strengthened in Brazil. Retailers, distributors, service providers and even industries have started to view payments not only as an operational step, but also as a strategic asset capable of generating loyalty, new revenue and competitive differentiation.
A survey by A&S Partners, published by Veja, shows that the country currently has 2,048 fintechs, up from 1,158 in 2020, representing a 77% increase in just five years. The study also reveals that Brazil concentrates nearly 60% of financial startups in Latin America and could reach the 3,000 fintech mark by 2027.
This scenario reinforces the trend of companies from different segments seeking to develop or acquire their own financial solutions, in line with the global integrated finance movement.
Robério Cavalcante, CTO at DinPayz, which specializes in the development of personalized payment gateways (white label), explains that the main factors behind this advancement are related to customer retention and loyalty, the creation of new revenue streams and the control of strategic data.
“Controlling the customer’s financial journey increases engagement and reduces the cancellation rate. In addition, fees that were previously a cost are now monetized by the company itself. With its own fintech, the company now has information on purchasing behavior and consumption habits, in addition to technological autonomy and alignment with international trends”, explains the executive.
According to Cavalcante, offering integrated financial services helps strengthen the relationship between the consumer and the brand. “Loyalty can grow because the company begins to offer a more complete, fluid and convenient experience. When the customer pays, they receive credit, participate in reward programs and manage their consumption within the brand’s own ecosystem, creating a stronger and more recurring relationship with the company,” he assesses.
He adds that the integration enables personalized offers, exclusive benefits and reduced friction in the purchasing journey, thereby increasing the perception of value and the frequency of returns. “Clean fintech transforms what was a standardized service into an exclusive competitive differentiator for the brand.”
While competitors rely on outsourced solutions, the company that operates its own fintech can create differentiated pricing, promotions and exclusive benefits, in addition to developing new financial products tailored to its audience.
The challenges of modernization
Despite the advantages, the director emphasizes that the integration of financial systems with existing platforms still represents significant challenges, because the integration of ERP, CRM, POS and payment methods requires standardization and observability.
“Data compatibility, security and compliance, scalability and technology governance are critical points. Reconciling modern standards with legacy infrastructures requires architectural reviews. Additionally, existing platforms may not support the increase in volume generated by financial transactions,” he explains.
In this context, DinPayz has acted as a technology partner for companies wishing to launch their own fintechs. The company has developed a modular, white-label, API-based financial infrastructure that allows any business to operate its financial startup without the need for high investments in technology and regulatory compliance.
“Our platform is 100% API-first, with simplified integration into existing systems and specialized support for structuring personalized financial transactions. This aims to reduce implementation time and ensure security, scalability and improve user experience,” says Cavalcante.
The use of rewards, points and cashback programs is also highlighted by him as an effective tool to strengthen customer relationships. “Every purchase begins to be seen as an accumulation of value. The customer stops seeing the transaction as a simple expense and begins to receive immediate benefits, whether in the form of cashback, future discounts or points. This increases the frequency of purchase, reduces price sensitivity and encourages payment within the company ecosystem,” he emphasizes.
According to Cavalcante, companies investing in their own fintechs seek to solve recurring problems in the consumer experience and, by integrating their own financial solutions, create seamless digital environments, aligned with customers’ expectations of convenience and personalization.
“The next decade will be marked by the migration of traditional companies to their own fintech models. We believe that, in a short time, it will be common for retailers, distributors, industries and technology companies to also act as financial providers, creating stronger, more profitable and connected ecosystems,” concludes the executive.
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