Case Study: PicPay achieves 10% higher loan approvals and faster time-to-market with FICO Platform

PicPay leverages FICO® Platform to empower its ecosystem

PicPay, one of Brazil’s largest digital financial ecosystems—born as a QR-code wallet and now a super app with millions of users and merchants—needed to move beyond siloed legacy systems that blocked a unified 360° customer view and limited business teams’ ability to design credit and onboarding strategies. The challenge was to create an enterprise platform that would enable real-time, business-driven decisioning and faster innovation across its growing ecosystem.

PicPay adopted the FICO® Platform for onboarding and credit management, giving business users the tools to author strategies, deploy analytics, and deliver real‑time, hyper‑personalized offers across the customer lifecycle. The implementation increased loan approvals by 10%, reduced time to market and enabled scalable, data‑driven operations—supporting strong portfolio growth (62% quarter‑over‑quarter portfolio increase and 230% year‑over‑year loan origination growth in H1) and a more engaging customer experience.

PicPay

Gustavo Burin

Chief Technology Officer