Growth through acquisition FortBrasil integrated with DM, expanding from 49.99% to full ownership by end of 2024, unlocking cross-sell opportunities for DM’s store card management clients and leveraging FortBrasil’s credit card solutions to broaden product suites.

Scale and reach Joint footprint includes 17 million cards issued and 3 million active cards, signaling a large installed base ripe for upselling features such as new credit products, loyalty integrations, or enhanced digital wallets.

Financial services focus As a leading Brazilian fintech in credit cards, there is potential to target SMEs and major retailers seeking embedded paylater, merchant financing, or enhanced credit risk tooling using FortBrasil and DM platforms.

Tech stack leverage Current technologies like PHP, Webflow, WhatsApp Business, and Cloudflare optimizations suggest readiness for rapid digital product enhancements, CRM-driven outreach, and scalable onboarding for new partners.

Market positioning Strong inclusion narrative and a large national footprint in Brazil create openings for partnerships with retailers, supermarkets, and pharmacies seeking accessible financial services, co-branded programs, and expanded merchant card management offerings.