APRIL 2023 INSIDE ATR 09 The Companhia DPaschoal launches a digital platform of financial solutions for the automotive sector In addition to credit, the company Companhia DPaschoal provides solutions for means of payment, prepayment of receivables and other financial facilities. In order to offer its customers conve- nience and practicality in matters relat- ed to financial matters, Companhia DPaschoal, with over 70 years of expertise, has expanded its portfolio of re sources offered to companies and consumers, and in 2022 launched the Autocred platform. Now, the goal is to offer an ecosystem of digital financial services aimed at profes- sionals in the automotive sector, provid- ing innovative, reliable, accessible re- sources that contribute to the sustainable economic development of all customers, partners, suppliers and employees. With more than 70 years of experience in its own credit and service to distribution networks and resellers, the company Companhia DPaschoal currently supports a robust credit assessment operation for its 5 million customers and 3,000 accred- ited customers, among them, customers of DPK – auto parts distributor of the group. Thanks to the trust it has always placed in its customers through a differentiated decentralised credit system, in 2018 it developed its own algorithm in order to improve the efficiency and quality of the analysis of credit approvals. Currently, more than 70% of its operations offer credit approval in less than two seconds. This feat granted the company the Best Performance Award 2018, from the CMS Group, in the Technological Innovation category in credit. According to the person responsible for implementing the Autocred platform and Financial Manager of Companhia DPaschoal, Augusto Pinheiro, currently, credit sales at Rede DPaschoal stores and at DPK branches represent more than 80% of revenues and the offer of different means of payment play a key role at the time of purchase. “These solutions add value to the daily lives of entrepreneurs and consumers alike. Every month, we have more than 120,000 credit proposals evaluated and, on average, more than 90% are automati- cally approved. With this, a portfolio of solutions offers even greater relevance, both for the entrepreneur and for the con- sumer. The scenario of opportunities, expansion and improvement of the entire sector of electronic means of payment is enormous, which is why our platform was created. We connect partners and solu- tions that make sense for our segment, offering benefits for both the client and the entrepreneur”, says Pinheiro. Anyone who joins the platform and opens an Autocred digital account will be able to have access to financial solutions in the palm of their hand and also have an international prepaid card, created to facilitate purchases in both physical and digital establishments. Entrepreneurs who opt for an Autocred card machine will be able to pay their sales in instalments and anticipate receipts in their digital account, or even choose to use the balance to buy products from the company (parts, tires, ries, among others). The accesso- platform offers 100% digital account opening (without b u r e a u c r a c y ) , security, functionali- ties in the application and in the web version, which are totally intuitive and to navigate, making it practical for consumers and to companies easy KEY FACTS In 2022, Companhia DPaschoal, with over 70 years of expertise, launched the Autocred digital platform for capturing transactions with debit and credit cards, which was created to facilitate purchases in both physical and digital establishments. carry out their main financial transactions (PIX, TED, cell phone recharge, issue of slips, withdrawals at Banco 24hrs termi- nals, among others). “Autocred is a complete platform for capturing transactions with debit and credit cards. With the payment split, the establishment can choose to allocate a percentage of the transactions to generate balance to buy and supply the stock. We also offer a completely free portal with all the information and reports to help the entrepreneur manage sales, where he can follow his billing in real time, and obtain important information for his financial control (method of payment, instalments, average ticket, balance to receive, etc.). In addition, the fees applied in each transac- tion are transparently displayed, as well as the discounts applied, in case the customer wants to anticipate their receipts”, rein- forces Augusto Pinheiro. Autocred is also already developing other credit solutions for the automotive segment, an anticipa- tion portal for suppliers and insurance integrated with the platform’s solutions. For more than 70 years working to offer what is most efficient, Companhia DPaschoal has been investing in systems that provide agility, ease and flexibility to its customers and partners, which is why the Autocred platform is now available, in order to deliver intelligent solutions to enable quick and easy access to credit for consumers and businesses.