- Bradesco's E-agro digitized rural credit, granting over R$1 billion in its first year.
- The platform reduced contract lead times by 70% with over 2,000 automated transactions.
- E-agro won the ESG Champion category in the 2025 FICO® Decision Awards.
Bradesco, a leading financial institution in Latin America, has successfully used FICO's (FICO, Financial) advanced decisioning platform to drive a digital transformation within Brazil's rural credit system through their E-agro marketplace. This innovative platform has extended over R$1 billion (approximately USD$197 million) in digital credit within its inaugural year, enhancing financial inclusion for over 500,000 farmers.
E-agro, recognized as Brazil's first fully digital rural credit marketplace, has significantly streamlined the loan process. By automating credit evaluation and document verification, Bradesco has reduced contract lead times by 70%, performing more than 2,000 complex transactions. The bank's digital overhaul eliminates the need for physical visits, allowing farmers to complete the entire credit application process online, from eligibility checks to contract signing, and receive immediate fund disbursements into their accounts.
This initiative has been awarded the ESG Champion category at the 2025 FICO® Decision Awards for its substantial contribution to environmental sustainability and economic resilience. Bradesco’s E-agro not only simplifies credit access but also supports sustainable agricultural practices, contributing to global food security and environmental protection.
Through partnerships like the Sustainable Agriculture Finance Facility (SAFF), Bradesco provides lower-cost credit to farmers who adopt eco-friendly practices such as the Integrated Crop-Livestock-Forestry (ILPF) model, aiding in biodiversity enhancement and greenhouse gas reduction.
FICO's involvement in this transformation underscores their commitment to empowering businesses with predictive analytics and data science, streamlining operations, and supporting sustainable development globally.
