“ When it comes to the growth of Universo , I would separate it into two different time periods ,” says Braziel David . “ During the first phase , Universo focused on growing the accounts and the payments . This was done together with Mastercard Portugal alongside a groundbreaking project designed by teams from Data & Services with schemeand Mastercard Processing Europe ( MPE ), which helped us innovating in the payment options offered . In fact , Universo was the pioneer to offer a Mastercard-only card issued from Portugal .”
“ The second period was focused on developing and internalising the credit generated by our products . Mambu is a key partner that made it possible , as well as Deloitte , who helped us building the operational model .”
“ Indeed , Universo has been fully cloudbased since its inception and built a network of delivery partners adopting a SaaS ( Softwareas-a-Service ) model , partners such as Mambu or MPE to name two of the major ones .”
“ Our belief is that being cloud native and working with partners in Saas enables Universo to scale its business , in terms of customers , offers and geographies .”
“ Also , this delivery model allows our team to focus on the key assets for growth , that is focusing on our clients , our offer , our brand , our people and on our key capabilities . For example , artificial intelligence competences are kept in-house , in a large and highly-skilled team , that is at our core , making a huge contribution to our success .”
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