{"slug":"banco-bradesco-uses-ai-for-near-real-time-credit-decisioning","url":"https://findausecase.com/use-cases/banco-bradesco-uses-ai-for-near-real-time-credit-decisioning","title":"Banco Bradesco uses AI for near real-time credit decisioning","description":"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).","company":"Banco Bradesco","industry":"Financial Services","aiCapabilities":["Machine Learning","Predictive Analytics"],"technology":["Delta Lake","Databricks Lakeflow Jobs","Unity Catalog","Databricks SQL"],"deployment":"Public Cloud","problemStatement":"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.","solutionApproach":"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.","businessValue":"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.","evidence":{"band":"high"},"sourceUrl":"https://www.databricks.com/customers/banco-bradesco","dates":{"publishedAt":"2026-10-08T05:45:57.949Z","publishedAtSource":"pipeline","updatedAt":"2026-10-08T05:45:57.949Z"},"license":"Open for reading and citing with a link to https://findausecase.com/use-cases/banco-bradesco-uses-ai-for-near-real-time-credit-decisioning. Bulk republication requires permission."}