Digital Credit Platform
AI Document Validation
Credit Scoring Engine
Retail
Fintech
Consumer Credit
The Challenge
For many retailers, offering store credit is a proven way to boost sales and customer loyalty — but managing it manually can be a nightmare.
Paper contracts, manual approvals, and late payments create friction, errors, and risk. Customers face long waits and often abandon the process before completing their registration.
At the same time, retailers struggle to track repayments, enforce due dates, and understand the overall financial performance of their in-house credit programs. Without automation, credit becomes more of a burden than a benefit.
The Solution
Dienekes developed a fully digital credit management system that modernizes the entire process — from customer onboarding to payment collection.
Through a simple self-service flow, customers can complete their registration in minutes:
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Phone verification via WhatsApp code
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Password creation for secure account access
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ID document upload, validated by AI-powered image recognition
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Digital acceptance of the service agreement
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Automated credit analysis using customer data and credit bureau information
Once approved, customers can make purchases in-store using their credit limit. The sales associate simply sends a payment request via the app, and the customer confirms the purchase by entering their password.
For repayments, customers can either:
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Pay in-store with cash, with instant invoice settlement, or
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Pay via PIX directly in the app, with automatic reconciliation.
The system also automates payment reminders and collections:
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Sends a notification before the due date
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Sends up to three follow-up messages over the next 30 days if the invoice remains unpaid
Behind the scenes, the platform gives retailers full visibility through real-time reports:
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Default rate and delinquency tracking
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Revenue and interest income
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Customer growth
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Credit limit distribution
The credit scoring model uses both registration data and official credit bureau information, while allowing each retailer to customize credit limits, interest rates, and penalties by risk class — maintaining full control while minimizing risk.
The Results
With the new digital credit system, retailers can now offer credit faster, safer, and at scale — without relying on manual work or paper records.
Customers enjoy a seamless onboarding experience, while store teams save time and reduce errors.
The result:
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Fewer defaults, thanks to smart risk analysis
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Higher sales, as more customers gain access to store credit
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Simplified operations, with automated reminders and real-time reports
What did the stakeholders say to us
Before, managing our store credit was chaos — too many papers, too many delays. Now it’s all digital. Customers love how easy it is, and we finally have visibility and control.
Mariana Souza
The system practically runs itself. We just send the payment link, and everything else — reminders, reports, limits — happens automatically. It’s a huge time saver.
Rafael Lima
Before, managing our store credit was chaos — too many papers, too many delays. Now it’s all digital. Customers love how easy it is, and we finally have visibility and control.
Mariana Souza
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