Over the years, Quantica has developed and evolved a digital platform to facilitate access to credit and encourage savings for historically excluded communities. The product has already helped more than 5,000 families invest more than 5 million dollars, strengthening their financial security.

The challenge

How can we democratize access to credit and encourage financial education for populations excluded from the traditional banking system?

• Many immigrant families had no access to affordable financial products.
• Lack of knowledge about financial management prevented the conscious use of money, even with access to credit.
• Many families were unable to save money because they were in debt.
• We needed to create an affordable, scalable product that delivered value on an ongoing basis.

The road to a solution

We have built a digital ecosystem that goes beyond credit, promoting financial education.

• Iterative and continuous development: we started with a web solution, validated hypotheses, made adjustments and evolved to the current format.
• We create functionalities for savings, microcredit, education and financial advice, guaranteeing a complete user experience.
• The app has been structured to be scalable, allowing it to expand into new markets.

What have we learned together?

Financial inclusion goes beyond access to credit.

• Financial education is just as important as providing credit tools.
• Involving community partners in the technology design process, as well as in its use, is essential for the product’s success.
• A product is not born ready-made, but is shaped over time as users’ needs evolve.