99Pay & Infobip: Expanding access to credit through intelligent communication

Expanding access to financial services in Brazil takes more than competitive rates. It takes clarity. Simplicity. A digital experience that works for millions of people across different realities and levels of tech familiarity.

At 99Pay, this ambition shapes everything they build. From an easy-to-use digital account to accessible credit solutions with competitive interest rates and a fully online application process, the focus is clear. Remove friction. Simplify the journey. Democratize access to credit.

And in this journey, user experience is not a detail. It is the strategy.

Experience as a growth engine

Brazil’s digital financial market is one of the most competitive in the country. Offering credit is not enough. People need to understand the offer, trust the process, and complete their application simply and securely.

For 99Pay, this translates into fully digital journeys designed to reduce friction and increase accessibility. But even the best product depends on how it is communicated. Every notification, every reminder, every offer plays a role in shaping trust.

That is where channel strategy becomes essential.

RCS as a catalyst for scale and efficiency

To communicate loan offers clearly and effectively, 99Pay turned to RCS as a strategic channel.

RCS allows the team to reach a broader audience with richer, more interactive messages at a more accessible cost compared to other channels. With images, buttons, and structured layouts, communication becomes visual, intuitive, and easier to act on.

In the credit journey, this matters. Users need to quickly understand available amounts, conditions, terms, and next steps. When messages are unclear, doubts grow. Drop-offs increase. Support teams feel the impact.

With RCS, 99Pay transforms communication from a simple notification into guided decision-making. Information arrives structured, contextual, and timed for the moment users are most likely to move forward.

Scale and quality, working together.

From message to action

For users with pre-approved loans, communication becomes even more powerful.

Through RCS, 99Pay informs customers about their available credit and directs them straight into the 99 app to complete the process. The message acts as a bridge between information and action, shortening the path to conversion.

This integration reinforces a key belief. Communication is not a one-off event. It is part of a continuous journey that connects awareness, confidence, and completion.

When context is right and friction is low, engagement follows naturally.

A partnership built for growth

In growth operations, speed is everything. Goals evolve quickly. Channels need testing. Adjustments happen daily.

In this environment, 99Pay’s partnership with Infobip stands out for agility and alignment. The ability to respond quickly, support experimentation, and keep pace with expansion has been fundamental to scaling communication strategies effectively.

More than a technology provider, Infobip acts as a partner embedded in 99Pay’s growth journey. Strategy and execution move together. Ideas turn into live campaigns faster. Optimization becomes continuous.

Because expanding access to credit is not just about building financial products. It is about building trust at scale.

By combining digital simplicity with intelligent communication, 99Pay is showing that democratizing credit in Brazil starts with experience.

And with the right channels, the right context, and the right partner, that experience becomes a powerful engine for growth.