2024-11-22 20:48:00
Smart Hub opens”>Agibank consolidates hybrid model with inauguration of the thousandth Smart Hub
Agibank, a fintech that transforms the Brazilian financial system by connecting the Brazilian population often left aside by large banks that close branches and exclusively digital fintechs, celebrates the inauguration of its thousandth Smart Hub, located in the city of São Pedro, in the interior from São Paulo.
Smart Hubs are service spaces that integrate digital and in-person, providing the non-digital native population with an accessible and personalized banking experience. In these establishments, customers receive complete financial guidance and have access to financial services such as credit, insurance, accounts and cards.
The 1,000th physical unit along the Smart Hub model symbolizes a trajectory that began in Porto Alegre, in 1999, and which aims to guarantee access to financial services in a democratic way for the Brazilian population
With a hybrid business model, which combines advanced technology with a network of 1,000 Smart Hubs, Agibank faces the reality of millions of Brazilians whose needs are often ignored by the financial sector.
Fintech fills this blank space left by the two extremes of the industry: on the one hand, traditional banks that have been closing branches, and, on the other, exclusively digital fintechs, limited to service via app.
By reaching 50% of Brazilians, Agibank combines digital efficiency with human contact, offering a banking experience that welcomes, encourages and promotes dignity. In 2024, Agibank opened 100 Smart Hubs in different regions of Brazil. The 1,000th unit symbolizes a trajectory that began in Porto Alegre, in 1999.
The expansion of Smart Hubs is guided by a data-driven strategy, which uses advanced technology and data analysis to determine the ideal locations for opening new units. The approach considers factors such as specific demands of the local population, financial service gaps and opportunities for positive social impact, ensuring that each Smart Hub is deployed where it can generate the greatest value for customers.
Smart Hub facade (Photo: agibank.com.br)
Technological precision and strategic vision
The combination of technological precision and strategic vision reinforces the uniqueness of Agibank’s business model. Currently, fintech is present in all Brazilian cities with more than 100 thousand inhabitants and plans to expand its network to municipalities with more than 50 thousand inhabitants across the country.
“Our purpose has always been to democratize access to financial services for Brazilians that large banks and digital fintechs left aside. Our Smart Hubs welcome and guide our customers, especially at a time when the market reduces in-person service,” says Glauber Correa, CEO of Agibank.
With the goal of reaching around 2,500 units by 2030, Agibank’s Smart Hubs combine the convenience of digital with the human touch, serving both connected customers and those who prefer in-person contact. “Our business model is not just digital – it is inclusive. Human contact makes a difference,” says Correa. “For many Brazilians, face-to-face service and financial advice are essential, and that is what we offer with our Smart Hubs.”
From the first Smart Hub, in Porto Alegre, to the thousandth unit in the city of São Pedro, in São Paulo, more than five million customers have already been served by Agibank. Today, the company has four million active customers and an NPS (Net Promoter Score) of 75 points in the third quarter of 2024, reflecting customer satisfaction and trust.
“Our 1,000th Smart Hub is a milestone in our sustainable growth journey. We are not just looking to expand, but to generate real impact in the communities where we are present,” says Correa. “Our purpose is clear: to fight for a banking experience that welcomes and encourages all Brazilians.”
Currently, 100% of Agibank’s credit operations are carried out through its own channels, both digital and in-person. “Technology makes us more agile, but nothing replaces face-to-face conversations about how to organize finances or plan the future,” concludes Correa.
About Agibank
Founded in 1999 in Porto Alegre and currently headquartered in Campinas, Agibank has a unique business model in Brazil, created to serve an audience that represents the majority of the Brazilian population, whose needs are still far from the priorities of large banks and banks. exclusively digital. We are filling a blank space in the market by serving a public that often feels invisible with quality and dignity.
Our hybrid model combines the best of both worlds: a complete, light, fast and easy digital bank, with Smart Hubs that provide a welcoming, agile and accessible in-person experience for all Brazilians. We develop personalized solutions and a simple, inclusive journey for customers who are not digital natives, ensuring a significant competitive advantage. This approach allows us to win more customers, build lasting relationships and strengthen our sustainable growth trajectory.
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What are the key benefits of Agibank’s Smart Hubs compared to traditional banking services?
**Interview with Glauber Correa, CEO of Agibank**
**Interviewer:** Welcome, Glauber. Congratulations on the inauguration of Agibank’s thousandth Smart Hub! This is a significant milestone. Can you share with us what this achievement means for Agibank and your vision for the future?
**Glauber Correa:** Thank you! The inauguration of our thousandth Smart Hub in São Pedro is a testament to our commitment to democratizing access to financial services. It symbolizes our journey that began in Porto Alegre over two decades ago. Our goal has always been to serve the millions of Brazilians underserved by traditional banks and purely digital fintechs. We envision reaching 2,500 Smart Hubs by 2030 to further enhance accessibility and support.
**Interviewer:** That’s ambitious! Can you elaborate on the concept of Smart Hubs and how they differ from traditional banking or online services?
**Glauber Correa:** Absolutely. Smart Hubs integrate both digital services and in-person support, providing a welcoming environment for those who may not be digital natives. In these hubs, customers receive comprehensive financial guidance, allowing them to access various services like credit, insurance, and banking accounts. This hybrid model addresses the gap left by traditional banks that are closing branches and by digital-only services that don’t offer personal interactions.
**Interviewer:** You mentioned that your approach is data-driven. How does Agibank leverage technology to ensure effective service delivery?
**Glauber Correa:** We utilize advanced technology and data analysis to identify ideal locations for new Smart Hubs. This strategy looks at the needs of local populations, service gaps, and opportunities for social impact, ensuring that each hub is optimally placed to deliver real value. By combining technology with human touch, we can cater to both tech-savvy and traditional customers effectively.
**Interviewer:** It seems like you’ve reached quite a number of customers. Could you tell us more about your customer base and the feedback you’ve received?
**Glauber Correa:** We’re proud to serve over five million customers, with four million currently active. Our customer satisfaction is reflected in our Net Promoter Score of 75 points, which underscores their trust in us. We continuously gather feedback and use it to enhance our services, ensuring we meet the needs of our clients.
**Interviewer:** in a rapidly changing financial landscape, how do you see Agibank evolving in the next few years to keep pace with industry trends?
**Glauber Correa:** We will continue to prioritize inclusivity and accessibility, focusing on expanding our Smart Hub network into smaller municipalities to serve a broader audience. Our commitment to combining technological advancements with personal service will guide us as we navigate future challenges and opportunities in the fintech landscape.
**Interviewer:** Thank you, Glauber, for sharing these insights and for your time. We look forward to seeing how Agibank continues to innovate and serve the Brazilian population.
**Glauber Correa:** Thank you for having me! It’s an exciting journey, and we appreciate your support in spreading the word.
