Banco Bradesco uses AI for near real-time credit decisioning
Banco BradescoDelta Lake · Databricks Lakeflow Jobs · Unity Catalog +1
Banco Bradesco, one of Latin America's largest banks, built BRAIN (Bradesco Business Intelligence Decisioning Platform) on the Databricks Data + AI Platform to provide credit solutions in near real-time, improving the accuracy of pre-approved loan financing and accelerating loan analysis from months to minutes. The bank runs 180+ analytics and AI use cases across 200+ users, using Delta Lake, Lakeflow Jobs, Spark Declarative Pipelines and Unity Catalog to unify customer, transactional and open-finance consent data, and has cut development time for new ML solutions from 2 days to under 2 hours (24x faster).
Overview
Banco Bradesco, one of Latin America's largest banks, built BRAIN (Bradesco Business Intelligence Decisioning Platform) on the Databricks Data + AI Platform to provide credit solutions in near real-time, improving the accuracy of pre-approved loan financing and accelerating loan analysis from months to minutes. The bank runs 180+ analytics and AI use cases across 200+ users, using Delta Lake, Lakeflow Jobs, Spark Declarative Pipelines and Unity Catalog to unify customer, transactional and open-finance consent data, and has cut development time for new ML solutions from 2 days to under 2 hours (24x faster).
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Inspect the highlighted sourceThe challenge
Banco Bradesco's legacy data warehouse was too cumbersome to share customer data with other entities; with customer, transactional and consent data scattered across disjointed systems, its existing environment created too many obstacles to fully embrace open finance and the move to become a cloud-first bank.
The solution
With the Databricks Data + AI Platform, Banco Bradesco created new paths to provide personalized experiences for customers, including its BRAIN (Bradesco Business Intelligence Decisioning Platform) project, which provides credit solutions in near real-time and quickly improves the accuracy of pre-approved loan financing.
Reported business value
Banco Bradesco's team can now build ML solutions from financial data 24x faster, reducing development times of new applications from 2 days to less than 2 hours, and one such solution has accelerated the analysis time of customer loans from months to minutes.
Sources
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