Quod

The company positions itself as a "datatech," moving beyond the traditional credit bureau model to offer a broader range of solutions. Its business model centers on leveraging vast datasets—initially built from the client bases of its founding banks and now encompassing over 200 million individuals and 60 million companies—to provide intelligence for the entire credit lifecycle. Revenue is generated by providing subscription-based and transactional data analysis solutions to a diverse client base that includes financial institutions, insurers, retailers, fintechs, telecommunications operators, and small to medium-sized enterprises.

Quod's core service is credit analysis for both individuals and legal entities, powered by its proprietary credit scoring platform, the Quod Score, which utilizes machine learning and artificial intelligence to assess creditworthiness. Beyond credit scoring, the company has expanded its portfolio to include solutions for fraud prevention, customer acquisition, portfolio management, compliance, and collections intelligence. A notable product is its anti-fraud solution for Brazil's instant payment system, PIX, which helps identify and prevent fraudulent transactions. The company has secured strategic partnerships to enhance its technological capabilities, including a long-term agreement with LexisNexis Risk Solutions, which also made a significant R$420 million investment in 2022, becoming a minority shareholder. This partnership provides access to the high-powered HPCC Systems® data processing platform, enabling Quod to efficiently analyze complex datasets.