The credit infrastructure leader integrates continuous identity orchestration across the entire user journey, driving transaction authorization without increasing fraud liability.
SÃO PAULO, April 2026 – DM Financeira, a leading consumer credit institution in Brazil, has optimized its fraud prevention framework to solve a defining industry paradox: maximizing transaction authorization rates without damaging user experience. To achieve this, the company deployed a continuous identity orchestration layer—spanning from initial onboarding to real-time transactional authentication—partnering with identity infrastructure pioneer Unico.
Today, Unico's platform secures the entire customer lifecycle, including digital account opening, credit underwriting, and high-risk transaction authorization. By leveraging passive liveness detection, verified data reuse, and biometric authentication, DM Financeira validates account ownership with precision, driving low-latency risk decisions with zero added user friction.
A key acceleration vector was the deployment of IDPay, Unico's transaction-level solution that cross-references user identity with credit card ownership at the exact millisecond of an online purchase. Previously, the institution lacked granular data visibility into its card-not-present (CNP) declines. This new infrastructure allowed DM Financeira to intercept false positives, reverse false declines, and safely approve legitimate transactions.
Since the initial rollout, DM Financeira has successfully unlocked over R$ 50 million in approved transaction volume powered exclusively by Unico's engine.
"Our ultimate metric is maximizing transaction authorization while maintaining a frictionless user journey," stated Wellington Michetti, Fraud Prevention and Authorization Manager at DM Financeira. "Unico has seamlessly integrated into our anti-fraud layer to become our primary authentication framework. This infrastructure has allowed us to systematically increase conversion and eliminate friction."
This strategic evolution aligns with DM Financeira's aggressive expansion beyond traditional private-label cards into a diverse digital portfolio, including digital banking, personal loans, and Buy Now, Pay Later (BNPL) solutions. Scaling this high-growth ecosystem requires robust, real-time security, especially given the macro threat landscape: sophisticated generative AI fraud attempts skyrocketed by 1,000% year-over-year in 2025, according to Unico's research.
"Hyper-growth enterprises cannot afford to let security latency drag down business velocity," said Guilherme Ribenboim, Head of Latin America at Unico. "Continuous end-to-end identity verification empowers risk teams to make high-confidence authorization decisions instantly. That is the engine behind DM Financeira's surging approval rates—maximizing transaction revenue while neutralizing fraud exposure."
By anchoring its operation on zero-knowledge verification data and continuous authentication, DM Financeira solidifies its position as a high-growth fintech leader backed by an infrastructure built for scalable, secure, and operationally efficient expansion.
Unico is the leading identity verification network in Latin America, and a global provider of trust infrastructure. By utilizing proprietary technology biometrics and machine learning, Unico eliminates fraud and secures digital transactions for a safer, more efficient world. For more information, visit www.unico.io.
Founded in 2002, DM is a premier Brazilian financial institution specializing in consumer credit and private-label store cards. Today, DM operates as a comprehensive financial services group, delivering agile, data-driven credit products—including digital banking accounts, split-payment Pix options, and personal loans—focused on financial inclusion and frictionless UX. Learn more at www.vocedmfinanceira.com.br.
Fale com nossa equipe de comunicação para solicitar informações, entrevistas ou materiais oficiais.
