- +55 (11) 95928-8196
- contato@aespartners.com.br
We've already built several digital banks, and now we'll build yours
Complete expertise: from full execution to operation and market entry.
Institutions
Multiple structured
Approvals
100% at BACEN
What You Gain by Fintechizing
CEO to CEO: Why Are Leading Companies Becoming Banks?
Traditional Company
- Payment fees.
- Costly loan expenses.
- Revenue only from core business.
- Low Valuation.
- Company seen as operational.
- Linear and limited growth.
- Transactional customer, low loyalty.
- Competes on price/product.
- Limited consumer data.
- Subject to banking deadlines.
- Innovation hindered by bureaucracy.
- Dependent on third parties.
Fintechized Company
- Strong efficiency gains in banking service costs and fees.
- Gains in strong profitability.
- Increase in new revenue streams.
- High Valuation.
- Company seen as a financial solution.
- Exponential growth.
- Customer within ecosystem, high retention.
- Competes on complete experience.
- Valuable data for personalization.
- Total agility to innovate.
- Sovereignty over financial operation.
- Controls entire ecosystem.
Many leading companies have already migrated to this model.
Success Cases
Real results from companies that have transformed.
Major retailer
- Created its own digital bank.
- Loyalty program with credit card.
- +35% in repeat sales.
- Valuation 4x higher.
- Payback: 18 months.
Hospital network
- Payment and plans platform.
- Integrated telemedicine.
- +40% in recurring revenue.
- Competitive differentiator.
- ROI: 22 months.
Manufacturing industry
- Supply chain finance.
- Marketplace B2B.
- +50% in operational efficiency.
- New business lines.
- Valuation 3.5x maior.
Education group
- Educational credit fintech.
- Recurring payments platform.
- +60% in student retention.
- New revenue stream.
Specific Services
Everything your fintech needs in one place.
Acquiring & Payment Methods
- Card machines and gateways.
- Payment links and QR Code.
- Payment splits.
- Anti-fraud and chargeback.
Banking & Digital Accounts
- Corporate and personal accounts.
- Unlimited billing instruments.
- Pix send and receive.
- Financial products and services.
- Open banking.
Cards & Loyalty
- Physical and virtual cards.
- Points and cashback programs.
- Expense control.
- Corporate benefits.
Credit Operations
- Various loan modalities for individuals and businesses.
- Construction of the entire customer journey.
- Structuring adequate credit policies.
- Strong operational risk management and compliance.
Which of these benefits is most important for your business?
Questions about building Fintechs
What is the required investment and ROI?
Investment: From R$ 2M up to 15M, depending on the business model.
ROI: Payback of 18–24 months on average.
Valuation: Fintechized companies are worth much more.
How long from decision to go-live?
SCD/IP/SCFL 90 days up to 15 months for implementation.
Total: average of 6 months for market operation.
Do I need to build a technology team?
Yes, but we assist in structuring this technical team.
Simplicity: We focus on your core business, we handle all the tech.
How is the partnership with A&S?
Venture Building: We enter as co-builders, not consultants.
Shared Success: Compensation tied to results.
Hands-on: A&S team operational within your project.
Do you have strategic providers and partners?
We have the vast majority of providers mapped – anti-fraud, banking-as-a-service, payment.
We act impartially and ethically, we have the entire price base of each supplier and conduct BIDs transparently.
Advantage: Preferential terms and accelerated integration.
Can I fintechize gradually?
Yes. We start with WVP (e.g., private label card) and evolve.
Scalable: We add products as maturity and results grow.
How does governance and compliance work?
We structure all necessary areas for proper compliance, such as board of directors, various committees, diverse mandatory policies, risk management, and regulatory control.