[CASE STUDY]
The Partners Decreditos Trusted for 8 Years
8 years. 95% humanless operations. Complete business model change.
When Decreditos needed to transform a 20-year-old financial services company to 100% digital, they needed more than developers: they needed partners who understood their business deeply. CEO's assessment: "Combined deep business knowledge with cutting-edge tech methodologies matching born-digital leaders."
[CASE STUDY]
The Partners Decreditos Trusted for 8 Years
8 years. 95% humanless operations. Complete business model change.
The Challenge
Decreditos. 20+ years in automotive financial services. 4,000+ agencies across Argentina. Traditional business built on human relationships.
By 2015, they needed to transform to 100% digital. But this wasn't a startup. This was:
- 20-year-old company with established culture
- 4,000+ agencies (many traditional) needing digital adoption
- Operating in Argentina's volatile economic environment
- Business model based on human relationships transforming to humanless operations
They needed partners who would understand their business deeply, not just build platforms.
COMPANY
Decreditos
INDUSTRY
FinTech / Financial Services
COMPANY
Decreditos
INDUSTRY
FinTech / Financial Services
What Was at Stake
Business model risk
Transforming to humanless operations could alienate agencies.
User adoption failure would strand them between old and new models.
Market risk
Argentina's volatile economy requiring constant adaptation.
Loan business shifts rapidly with economic conditions.
Technical risk
100% online platform with no human fallback. Integration across 4,000+ agency websites.
Instant loan approvals requiring flawless systems.
Strategic risk
Multi-year transformation investment. Wrong partner could waste years.
Need for deep business knowledge; generic tech won't work.
The real fear: partnering with developers who build technology but don't understand the automotive financial business.
Why Decreditos Chose Braintly
Decreditos found Braintly through referrals in 2015.
What made the difference:
Culture fit and aligned values
"Great culture fit, Company values aligned."
For a traditional company transforming, cultural fit wasn't similarity. It was productive tension challenging you to think differently.
Deep business knowledge + cutting-edge tech
CEO: "Combined deep business knowledge with cutting-edge tech methodologies matching born-digital leaders."
Not just technical execution. Understanding automotive financial services and applying born-digital methodologies.
Lasting impact beyond partnership
PM: "We continue to use and improve methodologies and practices that we apply together. Not to mention a better knowledge of our database and our business."
The impact endured: changing not just technology but how they work.
The Partnership
Team deployed: Core team of PM, Technical Leader, 6 Full Stack Developers, 2 QA Analysts, UX/UI Designer. Scaled to 11-20 employees (almost 15 at peak).
Timeline:
2015: Partnership begins
Early years: One-to-one addressing urgent needs
Growth phase: Team grew to almost 15 people
8 years total engagement
What made it work: Over 8 years, what mattered was deep business knowledge combined with cutting-edge tech methodologies.
When dealerships resisted technology-only processes, the team understood the adoption challenge. When Argentina's economy shifted, the team adapted rapidly. When Decreditos needed to completely change their business model, the team brought methodologies matching born-digital leaders.
That combination: understanding the business + modern tech, transformed a 20-year-old company into 95% humanless operations.
What We Built
Built comprehensive digital ecosystem: onboarding platform, multi-publisher tool, 4,000+ agency websites, personal loan products (instant approvals in 5 minutes), native app, custom CRM, insurance portal, WhatsApp bot, Mastercard prepaid card integration.
The platforms work. But what mattered more was how: deep understanding of automotive financial services, born-digital methodologies applied to traditional business, cultural transformation prompting new thinking.
8 years sustained partnership. Complete business model change.
Results
CEO's assessment
"Combined deep business knowledge with cutting-edge tech methodologies matching born-digital leaders."
What the PM said
"Their work culture was different from ours, which prompted us to think and act differently."
What changed
Traditional business model completely changed to digital
95% humanless operations achieved
4,500 active agents using digital tools
85,000+ fully online loans processed
$300M in monthly loan volume processed
Lasting impact
"We continue to use and improve methodologies and practices that we apply together."
The transformation endured: changing not just technology but how they work.
In the Client's Words
"Today we have the deep knowledge of the business that so many years of experience gave us, which, combined with cutting-edge technologies and methodologies, put us at the level of leading companies that were born in the light of technology and it is part of their DNA."
Engagement:
8 years (2015 onwards), team scaled to almost 15 people
