SONAE UNIVERSO
“ Universo is fully cloud based since its inception and built a network of delivery partners adopting a SaaS ( Software-as-a- Service ) model ”
CARLOS BRAZIEL DAVID CHIEF OPERATING OFFICER , SONAE which includes major brands in Portugal , from Continente ( food retail ), to Galp ( petrol ), Zippy and Mo ( fashion ) as well as Burger King or Pizza Hut , to name a few ."
Universo : Why is it different ? Universo is different from neo-banks , not only due to its large partners ecosystem and related loyalty benefits , but because it innovated in payments and credit options .
The major innovation was offering fixed-term credit options ( 3 , 6 and 12 instalments ), interest-free options and fixed-amount payment options , on its credit cards and online . In 2016 , at the start of Universo , this was revealed to be widely appreciated by the customers and a major driver of growth .
36 April 2023