Unico Safeguards Havan’s Digital Credit Expansion and Prevents Hundreds of Fraud Cases
Results at a glance
We wanted to be digital, so we needed partners who are digital, and Unico is a clear example of that. Having a strong partner ensures we have the best tools used in the market, which is why we placed our entire digital card operation under Unico's platform.
Havan Leadership
The Context
Havan is one of Brazil's largest and most iconic department store chains, headquartered in Brusque, Santa Catarina. Known for its unique architectural style inspired by the White House and its replicas of the Statue of Liberty, Havan has grown into a retail giant with over 126 physical stores. Their mission is to provide high-quality products at accessible prices through flexible installment plans, making shopping a complete experience of tourism, leisure, and fulfillment of dreams for millions of Brazilians.
The Challenge
As Havan expanded its physical footprint across the country, it faced an explosion in demand for consumer credit. To sustain this growth, the company needed to transition from traditional credit processes to a more agile, digital-first model.
- The Threat: Increasing exposure to identity theft and document fraud as credit operations scaled.
- The Bottleneck: The need for a robust way to validate identities and classify documents remotely, ensuring that only legitimate customers gained access to Havan's credit lines.
- The Goal: To provide a seamless, secure, and fully digital experience for customers applying for credit through the Havan app and digital card.
The Solution
Havan partnered with Unico to implement a state-of-the-art identity verification system. The solution integrated Unico’s facial biometrics with liveness detection and advanced document classification. This technology was embedded directly into the Havan app, allowing the company to automate identity checks and document typing. By placing their entire digital card operation on Unico’s platform, Havan ensured that every new applicant underwent a rigorous yet fast digital validation process.
The Impact
The transition to Unico’s digital identity platform yielded immediate and substantial benefits for Havan’s operations:
- Instant Fraud Detection: From the moment the service was activated, Havan began identifying fraud attempts in real-time. In just three months, the system flagged over 800 suspicious identity cases.
- Substantial Cost Savings: By blocking these fraudulent attempts, Havan prevented an estimated financial loss of approximately R$ 250,000.
- Legal Protection: Beyond the direct financial impact, the proactive identification of fraud helped Havan avoid numerous potential legal disputes related to identity theft and unauthorized credit.
- Operational Agility: The automation of credit requests through the app allowed Havan to serve its customers faster and more efficiently, supporting its massive sales volume.
The Horizon
For Havan, being digital is a core business requirement. The partnership with Unico continues to be a cornerstone of their digital transformation strategy. By trusting Unico to manage the security of their digital card operations, Havan can focus on its primary mission: innovating the retail experience and making quality products accessible to all. The two companies remain aligned in their commitment to bringing the best and most secure digital tools to the Brazilian market.
Share
