Serasa Experian

What Serasa Experian does

Serasa Experian is Brazil's first and largest datatech company, providing credit risk assessment, identity verification, fraud prevention, and analytics solutions to financial institutions, large enterprises, fintechs, agribusinesses, small and medium businesses, and individual consumers. The product portfolio spans the full credit lifecycle—including Serasa Score, credit consulting and analytics, PowerCurve decision platforms, Credit-as-a-Service (CaaS), and debt collection and recovery—alongside a separate fraud and identity stack built on documentoscopy with 10,000+ validation rules, facial biometrics with 99.71% average accuracy, device intelligence, liveness detection, and SERPRO integration. The underlying Datatech platform combines big data, artificial intelligence, machine learning, and neural networks applied to data covering nearly 190 million Brazilian tax ID records, 266 million known credit cards, and 130 million validated documents.

The company is a wholly-owned subsidiary of Experian plc (LSE: EXPN), operating in Brazil through Serasa S.A. and regional entities in São Carlos, Blumenau, Brasília, Recife, and Florianópolis. Revenue derives from subscription and recurring fees on credit analytics and fraud platforms, data monetization via bureau services, transactional fees on debt collection, and platform licensing for software products. Go-to-market is hybrid: large enterprises are served via direct field sales; small and medium businesses via self-serve digital platforms, televendas (phone sales), and an authorized distributor network; individual consumers engage through the Serasa mobile app, which has 83 million users. Pricing is quote-based and not publicly disclosed.

Serasa Experian holds ISO/IEC 27001:2022 and ISO/IEC 27701:2019 certifications and operates in full alignment with Brazil's LGPD data protection law, supporting compliance-driven demand across financial services, betting (Lei 14.790), and regulated onboarding. Growth has been pursued through a sustained acquisition strategy—Brain Ag (2021) for agribusiness, FlexPag (2023) for payment aggregation, SalaryFits (2024) for HR financial wellness, ClearSale and BRScan for fraud and identity—augmented by new verticals such as sports betting identity validation (Valida Bets), ESG scoring for agribusiness, Open Finance enablement, and embedded credit products (Crédito Consignado Privado, Buy Now Pay Later).

Name

Serasa Experian

Legal name

Serasa S.A.

Website

https://serasaexperian.com.br

Company type

Public

Founded year

1968

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Serasa Experian is Brazil's largest datatech company, providing credit risk assessment, fraud prevention, identity verification, and analytics solutions to enterprises, fintechs, agribusinesses, SMBs, and 83 million consumer app users as part of Experian plc.

Ownership category

akta.pro rank

Product category

Credit Bureau & Data Analytics

NAICS

Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Alternative / Non-Traditional Credit Data Providers (FSAKAKAB)

akta.pro secondary industries

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Technology, Software & IT Services (FSABACAJ)

Keywords

• Credit bureau services
• Fraud prevention solutions
• Identity verification
• Credit risk analytics
• Data analytics platform

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Credit Risk and Analytics Services: Core revenue stream from credit scoring, analytics, and risk assessment solutions provided to financial institutions, retailers, and businesses for credit decision-making.
2. Fraud Prevention Solutions: Identity verification, authentication, and fraud prevention services including document verification, facial biometrics, and device intelligence sold to enterprises and fintechs.
3. Data and Information Services: Data enrichment, market intelligence, customer segmentation, and bureau data services provided to businesses for marketing, credit, and risk management purposes.
4. Platform and Software Licensing: Platform solutions including Decision Engines, PowerCurve suite (Originations, Credit, Collections, Customer Management), and CaaS (Credit as a Service) offered as software platforms.
5. Debt Collection and Recovery: Solutions for debt management, collection, and credit recovery services helping businesses manage delinquent accounts.

Go-to-market motion1 record

Distribution channels7 records

Marketing channels7 records

Core offering

Serasa Experian is Brazil's first and largest datatech company, providing credit bureau data, credit risk analytics, fraud prevention, and identity verification solutions to financial institutions, retailers, fintechs, agribusinesses, and HR departments. The company combines proprietary technologies (AI, machine learning, facial biometrics, documentoscopy) with the largest credit and identity database in Latin America (nearly 190 million tax ID records) and serves 83+ million consumers through its mobile app alongside hundreds of thousands of business customers. Its portfolio spans the full credit lifecycle from origination and authentication through portfolio management, debt recovery, and market segmentation.

Product overview

Serasa Experian is Brazil's first and largest Datatech company, operating a comprehensive portfolio of analytical intelligence, credit risk assessment, fraud prevention, and identity verification solutions. The unified platform combines proprietary technologies with acquired capabilities (ClearSale, FlexPag, SalaryFits, Brain Ag) to serve 83+ million consumers and hundreds of thousands of businesses across Brazil's financial ecosystem. The portfolio encompasses: core credit lifecycle management (Serasa Score, Consulta e Concessão de Crédito, Credit Bureau, Credit Rating); fraud and identity protection (Autenticação e Prevenção à Fraude, ClearSale, Biometria Facial, Verificação de Documentos, Antifraude PIX, Valida Bets); portfolio and debt management (Cobrança e Recuperação de Dívidas, PowerCurve family); market intelligence and segmentation (Análise de Mercado e Segmentação, Mosaic); specialized verticals (Farm Check for agricultural credit, SalaryFits for payroll/HR benefits, agritech solutions like Crop Monitor, Crop Maps, Score ESG); and enabling platforms (Datalab, Plataforma CaaS, Open Finance, Serasa Descomplica for SMEs). The company leverages data from nearly 190 million Brazilian tax ID records and processes over 9 million document validations monthly.

Differentiator

Problem solved

Functional benefit

Brands

• ClearSale: Fraud prevention and authentication solutions, now operating under the Serasa Experian brand.
• SalaryFits
• Serasa Score
• Farm Check
• Serasa Pass
• Valida Bets
• Serasa Descomplica
• Minhas Contas
• Transforme-se

Products and services

• Serasa Score

Quantifiable outcome

• Processes over 9 million documents monthly for verification
• +4 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability7 records

Feature8 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• SalaryFitscoreStrategic or Co-development Partner · 6 September 2024Acquired from Confrapar in September 2024. SalaryFits provides employee financial wellness solutions including salary advances, financial education, and benefits management. The acquisition strengthens Serasa Experian's offerings in the HR and employee benefits segment.
• FlexPagcoreStrategic or Co-development Partner · 1 September 2023Acquired by Serasa Experian in September 2023 to introduce a bill aggregator feature called 'My Accounts' (Minhas Contas) in the mobile app, leveraging the existing 83 million user base and expanding operations in Brazil's payment solutions market.
• Brain AgcoreStrategic or Co-development Partner · 30 April 2021Partial acquisition of Brain Ag, a Big Data company for agribusiness financial operations, combined into the Farm Check platform offering rapid risk assessment analytics, reducing processing time from days to minutes with comprehensive data integration for agricultural credit market.
• ClearSalecoreTechnology or IntegrationSubsidiary providing fraud prevention solutions. In 2024, the partnership blocked more than R$70 billion in online fraud attempts. ClearSale Now is Serasa Experian brand unification.
• SenacminorStrategic or Co-development PartnerEducation partner for the Transforme-se program providing free IT training courses to young people from low-income communities in Brazil.
• Gerando FalcõesminorStrategic or Co-development PartnerSocial initiative partner for the Transforme-se program supporting youth technology education and inclusion in low-income communities.
• 99jobsminorGTM or Marketing PartnerTalent bank partnership connecting Transforme-se program graduates with over 50 companies for job opportunities.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Boa Vista SCPC: Brazil's second-largest credit bureau, offering consumer and business credit reports, scoring, and anti-fraud solutions. Direct competitor to Serasa Experian across the same Brazilian market and product categories, competing for the same bank, retail, and fintech clients.
• Quod: Brazilian credit information joint venture backed by major Brazilian banks (Bradesco, Itaú, Santander, Banco do Brasil). Provides bureau data, scoring, and fraud analytics, directly competing with Serasa Experian for enterprise credit decisioning accounts.
• Unico: Brazilian digital identity and facial biometric verification provider for KYC and fraud prevention. Direct competitor to Serasa Experian's Biometria Facial, Verificação de Documentos, and Valida solutions across the same enterprise and fintech customers.

Broad incumbents

• Equifax: Global credit bureau and analytics incumbent offering credit reporting, scoring, identity verification and workforce solutions across multiple geographies. Operates as a broader incumbent with overlapping capabilities to Serasa Experian, including in the LATAM region.
• TransUnion: Global credit bureau with established consumer credit reporting, fraud prevention, and analytics solutions. Competitor to Serasa Experian at the global category level, with selective overlap in Brazilian enterprise credit decisioning tools.
• Experian plc: Parent company of Serasa Experian and a global information services group listed on the London Stock Exchange (EXPN). Comparable to Serasa Experian at the corporate level given shared bureau, fraud, and identity product lines operating in parallel across geographies.

Emerging players

• Caf: Brazilian identity verification and onboarding platform competing with Serasa Experian on document and biometric KYC, particularly with fintechs and digital lenders seeking API-first alternatives.
• Cifra: Brazilian credit data and analytics provider focused on alternative consumer and small-business data. Niche overlap with Serasa Experian's Mosaic and Serasa Score offerings, particularly for emerging digital lenders.
• Pinflag: Brazilian behavioral analytics and fraud detection platform serving ecommerce and fintech. Overlaps with Serasa Experian's ClearSale franchise on online fraud prevention and device intelligence.

Others

• Ministério da Fazenda / Receita Federal (Brazilian Federal Revenue): Brazilian federal tax authority operating SERPRO and related data systems that Serasa Experian integrates with for document verification. Not a competitor but a critical data and validation infrastructure partner enabling Serasa's identity verification products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/serasaexperian
• Facebookfacebook.com/serasaexperian
• LinkedInlinkedin.com/company/serasaexperian
• Instagraminstagram.com/serasa_experian/?hl=pt-br
• Xx.com/serasaexperian

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A5 records

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Serasa Experian