CSU Digital (CSUD3) Investor presentation summary

Profile and business model

• Positioned as Brazil’s largest independent infratech, providing technology and operational support for financial services through a B2B2C model and modular white-label platforms.

• Scale indicators: 40+ large corporate customers, 33 years of experience, 37.7m+ registered cards and accounts, 1.2bn+ LTM transactions and R$420bn+ LTM TPV.

• Portfolio spans digital payments, embedded finance, loyalty and incentives, customer experience, and AI and hyperautomation solutions.

• Full-service card operations cover onboarding and KYC, credit validation, transaction processing, fraud prevention, customer experience, collections and back-office processes.

Technology and strategic initiatives

• Architecture combines cloud and mainframe, APIs and microservices, with multi-network, multi-currency and multi-channel support; R$272m+ invested in technology over five years and 813k+ development hours over three years.

• HAS applies automation, analytics and AI to workflows including customer service quality, onboarding and credit, fraud prevention and chargebacks; these four workflows represent a stated R$6bn opportunity within a hyperautomation market exceeding R$20bn.

• HAS contracts were implemented across financial services, telecom, retail, ID technology and consumer goods, with reported use cases including onboarding, document analysis, customer requests and quality monitoring.

• AI-enabled payment initiatives include personalized card activation, smart limits and authorization, fraud detection and an AI advisor; stated potential benefits include 40%+ lower costs, 80% less resolution time and 95% fewer operational errors.

Growth strategy and expansion

• Growth model targets new B2B customers, broader user bases, more transactions and services per user, improved activation and loyalty, and operating efficiency.

• In 1Q25, active users reached 23.3m, up 11% YoY; activation rate was 61%, up 5.0 p.p. YoY; digitalization rates were 95% for payments and 74% for customer experience.

• Strategic priorities include AI for middle- and back-office hyperautomation, personalized financial services, and expansion into new geographies and global products.

• International expansion plans include assessing markets and partners, due diligence, implementation, certifications and launch; the presentation identifies cross-border products and international demand as growth opportunities.