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PHM International has worked in emerging & developing worlds since 1997

Brazil FinTech Market

FinTech Roadshow to Brazil: a Certified Trade Mission for U.S. investors, incubators, and FinTech companies.

Presented by the U.S. Commercial Service
Facilitated by PHM International

CTM: 17-18 September, 2018 São Paulo, Brazil – companies must qualify
19 September, 2018 LatinFinance’s “FinTech in LATAM; the Future of Finance” in São Paulo

FinTech Market Overview – Brazil

Brazil is a unique market for any early mover. But once connections are made it’s a robust and exciting country with plenty of upside.

FinTech Companies  from TechBullion (https://www.techbullion.com/top-10-brazil-fintech-companies/)

According to Finnovista, there are at least 219 fintech start-ups that are causing disruption in the financial industry sector across different segments in Brazil. These start-ups are offering services like banks, raising big money and growing fast. This makes Brazil a major fintech hub in Latin America. Check it out the top 10 fintech companies in Brazil.

  1. GuiaBolso: Founded by Benjamin Gleason, Thiago Alvarez and Thiago Alvarez in 2012, GuiaBolso helps consumers better manage money by automating financial management process and helping them to improve financial decision-making via an online platform. A major component of the platform is PFM, a service that automates the process of categorizing and importing transactions from user’s credit cards and bank accounts.   With over one million users, the company’s app is one of the leading references in downloads.
  1. Nubank: Founded in 2013, Nubank is one of the top fintech companies in Brazil, and the first Latin American company to win ‘the Marketers That Matter Award’. Currently, the company has three million customers that have signed up for its card.
  1. BankFacil: Founded in 2012 by Sergio Furio, BankFacil is a lending platform that focuses on secured lending. With its headquarter in São Paulo, Brazil, the company tackles the high borrowing cost problem in Brazil by reinventing the secured lending knowledge using data and technology as efficiency drivers. The start-up provides an intelligent service that helps people and banks to a better negotiation.
  1. ContAzul: Founded in 2011 in Santa Catarina, ContAzul is a management system that enables micro and small businesses to control stocks, sales, and finances; and send electronic invoices.
  1. Bidu: Bidu is the first Brazilian company to offer a smart search, purchase and comparison of insurance services 100 percent online. The company’s platform is integrated with the systems from the top insurers and financial services, allowing contracts and prices in real time. The company boasts of over 600,000 customers.
  1. Vindi: Vindi is a major player in the subscription economy in Brazil. The company offers payment solutions, subscription and recurring billing to Saas companies, education, gym clubs, marketing, financial services, subscriptions e-commerce and all subscription based companies.
  1. Nibo: Launched in 2012, Nibo is a company that allows accountants and companies to control and manage their finances. The company enables other companies to manage electronic invoices, cash flow, slips, and vouchers.
  1. Iugu: Iugu provides the required infrastructure to run online payments and reduce current bureaucracy in Brazil. Founded in 2011, the company offers a dashboard to manage online payments, whether one has a SaaS, a mobile application, an e-commerce or a marketplace. Also, the company is an exception in Latin America since it contributes to the open source community. Their repository has solutions that range from deployment bots to fiscal documents that aims to boost the local businesses development,
  1. Konduto: Founded by Milton Tavares Neto and Tom Canabarro in 2014, Konduto allows online retailers to lower the levels of fraud in e-commerce by analysing consumer behaviour. The service analyses how consumers browse the site to identify fraudulent patterns before requests are made.
  1. Pagar.me: Based in Sao Paulo, Pagar.me was founded in 2013 by Henrique Dubugras and Pedro Franceschi.  The company is a member of Arpex Capital group and works to make it easier to accept all types of payments on Internet. Besides having the best API in the market, the company enables businesses to accept major credit cards such Visa, AMEX, MasterCard, Diners, and HyperCard.

Read More https://www.techbullion.com/top-10-brazil-fintech-companies/

30 Fintech Influencers you must know in Brazil

From Techfoliance, a few key figures:

  • 74% of bank customers adopted FinTech services, one of the highest adoption rates in the world.
  • Only 50% of the 200 million citizens are online…and mobiles are likely to be phones rather than internet connected.
  • Mobile phone penetration is above 115% in the whole country.
  • More than 40% remain unbanked.

Techfoliance based their analysis on a series of metrics reflecting the engagement of each professional on the list in the Brazilian Fintech ecosystem, such as:

  • Professional achievements (founding / being a member of a Fintech company, having a relevant current role in the sector, attracting considerable amount of investments to one’s companies)
  • Participation in the Fintech community (organizing, hosting, speaking at or being a panelist at key events; being part of accelerators or associations fostering the development of the industry; being a thought leader in the sector)
  • Social media activity (having a relevant number of followers, sharing interesting content across different social media platforms)

Please keep in mind that this is not an exhaustive list. There are many more people currently contributing directly or indirectly to the Brazilian Fintech ecosystem. To see the list of Top 30

Conexão Fintech: Brazil Sector Map

Brazilian Digital Banks: shortlist.

Nu Conta (Nubank) – the most expressive Brazilian fintech;
Agibank – a subsidiary of AgileGroup;
Original – a subsidiary of JBS Group and the first Brazilian digital bank;
Inter – regional bank founded in Minas Gerais;
Neon – Brazilian joint venture formed by Controly and Pottencial Bank;
Conta Simples – a digital bank founded by hackers and software engineers;
Next – digital bank created by Bradesco (one of the largests Brazilian banks).

There is a rumor in the Brazilian fintech environment that there are 100 Brazilian digital banks on the way!
Brazilian Digital Banks from FinTech Brazil http://fintechbrazil.com/brazilian-digital-banks-shortlist/

Objectives of the Brazil FinTech Roadshow….September, 2018

  • Matchmaking U.S. FinTech investors, companies and accelerators to Brazil’s leading financial technology companies, banks, insurance companies, and startups
  • 8 to 10 private, pre-qualified one-on-one matchmaking meetings for each U.S. participant
  • Sector Briefing by U.S. Embassy and Brazilian Expert
  • Networking Reception at U.S. Consulate General, São Paulo

Cost benefits of participating in this Roadshow, a Certified Trade Mission

  • The U.S. Consulate is the “convener of stature” for the Certified Trade Mission which lends a prestige to the event, helps guarantee the quality of the attendees, and limits the attrition prior to the event.
  • Without the trade mission format it would be impossible to arrange and schedule up to 10 meetings in one day with pre-qualified Brazilian companies. It would require multiple days and multiple trips. This is a major benefit in terms of dollars, time, and energy saved.
  • The same level of meetings would probably require a minimum of two to three trips to meet the same number of high-level people. Those additional trips are equivalent to many times more the cost than the Trade Mission in terms of airfare and hotel alone.
  • Without U.S. Government support, and due to Brazil’s business environment, you would most likely need to hire an in-country representative, which would be a significant up-front cash expenditure.
  • There are no commissions charged on any deal – investment, partnership, or sale you generate from the Trade Mission – ever.
  • There is a cost in time and energy involved in identifying prospects, securing contact info, contacting the prospects, convincing them to meet and then coordinating the schedule in an efficient manner. The Trade Mission takes place on one and a half day and all the pre-qualified and vetted Brazilian FinTech companies come to you. This is a major advantage and a significant save in time, expense and opportunity cost. It is true:  “Time is Money”.

Key Features of the Certified FinTech Executive Trade Mission

  • Eight to 10 one-on-one personal meetings with Brazil’s leading FinTech and financial companies and institutions
  • Focused, structured, organized and pre-arranged private meetings
  • Convened by the U.S. Consulate
  • No commissions – ever
  • Full contact information and background provided to all qualified attendees prior to all meetings
  • Promotion of your firm to Brazil’s FinTech and Financial sector

The Road Show will provide

  • One-on-one meetings with leading Brazilian FinTech companies and Brazil’s largest financial companies
  • Close, direct interaction between U.S. and Brazilian FinTech executives
  • Promotion of U.S. companies, accelerators and investors
  • Introduce pre-qualified, vetted Brazilian FinTech companies

Program Partners  The U.S. Commercial Service is the trade promotion arm of the U.S. Department of Commerce’s International Trade Administration. U.S. Commercial Service trade professionals in over 100 U.S. cities and in more than 75 countries help U.S. companies get started in exporting or increase sales to new global markets. To find out more about how the U.S. Commercial Service can help you achieve export success, visit www.export.gov.

put in the middle



LatinFinance is the leading source of intelligence on the financial markets and economies of Latin America and the Caribbean.
As the volume of information on the region grows, our role of cutting through the clutter to identify events of immediate significance and lasting importance to Latin America and the Caribbean becomes ever more vital. LatinFinance is the essential provider of news and analysis that cannot be found anywhere else. www.latinfinance.com

Supporting Organizations

The Electronic Transactions Association is the leading trade association for the payments industry, representing over 500 companies worldwide involved in electronic transaction processing products and services.

Agenda at a Glance

17 September, 2018
Morning – Arrival from U.S. and hotel check in

  • 18:00
    Meet in hotel lobby for private coach to sector briefing and no-host dinner
    Market briefing U.S. Embassy
    Co-Chair: U.S. Commercial Service, Financial Services, Brazil
    Restaurant Churrascaria Vento Haragano (vegetarian meals available)
    Private coach back to delegate hotel

18 September, 2018

  • 08:00-08:40
    Registration, delegate hotel, light breakfast
  • 08:40-12:00
    Welcome and Morning Briefing: Financial Services and FinTech in Brazil (20 minutes)
    Morning One-on-One Meetings
  • 12:00 Thank you to morning Brazilian companies
  • 12:00-13:30
    Lunch U.S. and afternoon Brazil companies
  • 13:30-17:00
    Welcome and Afternoon Briefing: Investment Opportunities in Brazil FinTech (20 minutes)
    Afternoon One-on-One Meetings
  • 17:00-18:15
    Free time
  • 18:15
    Meet in lobby for private coach to U.S. Consulate General Residence
  • 19:00
    Hosted Reception Consul General Residence
  • 21:00
    Private coach return to hotel

19 September, 2018

LatinFinance FinTech Event “Fintech in LATAM: The Future of Finance”
Discounted registration for Roadshow U.S. attendees.

  • 08:00
    Meet in delegate hotel lobby for private coach to event
  • 08:30-19:00
    Registration and Coffee
  • 09:00-13:30
    Welcome
    Financial Technology and Latin America’s Financial Systems
    Blockchain: Distributed Ledger Technology and LatAm Financial Infrastructure
    Special Presentation: Initial Coin Offerings
    Designing Effective Policy Frameworks
    Cyber Security: Mitigating Risk in the Wholesale Payments Ecosystem
  • 13:30-15:00 Lunch
  • 15:00-18:00
    Trade Finance Redefined
    Managing Big Data
    Fintech Solutions to Lending and Capital Raising
    Payments Technology
  • 18:10
    Closing Remarks
  • TBD
    Evening Reception
    Return to delegate hotel

Close of Brazil FinTech Roadshow


Past Brazilian Projects

PHM International has run several banking and financial technology projects in Brazil and with Brazilian companies in the U.S. Past Brazilian and U.S. companies that have been part of PHM International Brazil focused projects include Banco do Brazil, Itaú, VMware, Bradesco, Banco Central, Chain, NetApp, FEBRABAN, ZL Technologies, Caixa Economica, Palo Alto Networks, Cielo, IBM, Plug and Play, Daon, Oracle, and more.