We innovate to Maintain Leadership

5.1 Innovation Initiatives | Key Product Innovations

5.2 Innovation Initiatives | Audience Segmentation

Segmenting Target Audiences Allows Us to Bid More Aggressively for Valuable Clients

5.3 Innovation Initiatives | Pricing Optimization Engine

5.4 Innovation Initiatives | Acquired Brazil´s BNPL Leader

Increasing addressable market and take rate while reducing processing costs

  • BNPL expands addressable Brazilian market, with over 84% of new clients coming from this channel

  • Enhances profitability, with higher average ticket and take rate in Brazil
    > 40% higher ASP
    > 16 pp take rate