FinTech Magazine - April 2023 | Page 38

SONAE UNIVERSO
Finally , Universo is also different in combining digital with brick-and-mortar realities . “ Universo ’ s main focus has been a swift and quick customer enrolment , using point-of-sale presence combined with digital channels ,” says Braziel David . “ As we have an established relationship with retailers , it was our plan – and it is our approach – to use commercial points of sale enabling a light physical presence . Thus , we are primarily digital , but we are also physically present , which is highly appreciated by our customers and partners . This combination is working and makes Universo different from other players .”
Partnerships at the heart of Universo development Within Universo Sonae ’ s ecosystem , partnerships are nurtured and valued . “ Mastercard is a partner that supported Universo from the beginning and was fully aligned with Universo ’ s innovative approach ,” recounts Braziel David . Alongside “ Mastercard Processing Europe ( MPE ), which fostered innovation in credit options offered at Universo , among other features .”
Mastercard is a global leader in payments and has been developing cooperation models with players like Sonae to bring innovation into the industry . Indeed , Mastercard has been focused on modernising the payments ecosystem and creating stronger bonds between people through technology . Through its innovative approach and commitment to customer collaboration , Mastercard has established itself as a leader in the payments industry and a partner for businesses looking to transform their transactions .
Mastercard Processing Europe ( MPE ) is one of the fastest-growing issuer processors in the region with operations in 33 markets

“ We are primarily digital , but we are also physically present , which is highly appreciated by our customers and partners ”

CARLOS BRAZIEL DAVID CHIEF OPERATING OFFICER , SONAE
38 April 2023