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Honors for Data Intelligence

Sicredi uses AI to build resiliency

Founded in 1902, Sicredi was Brazil’s first  cooperative financial institution. Today, it continues that pioneering spirit by using AI to help strengthen payment resiliency and support a more consistent experience to its members. Through Mastercard’s AI-powered decisioning capabilities, Sicredi can help keep more legitimate transactions moving during system disruptions, reduce avoidable declines and give cardholders greater confidence when they pay.

Rethinking

how to deploy Stand‑In Authorization and Dynamic Decisioning

Recalibrating

conservative risk controls that declined payments during outages

Reinforcing

trust through strategic resilience

Man on phone in front of HP laptop

Challenge

When payment systems experience disruption, customers still expect their cards to work. For Sicredi, the challenge was not simply keeping payments available — it was helping make authorization decisions that reflected how Sicredi would normally approve valid transactions when its own systems were under pressure. 

 

Traditional settings could not always mirror that approach, which meant some legitimate transactions could be declined and operational cost exposure could increase. Sicredi needed a smarter way to support payment continuity, reduce avoidable disruption and maintain strong risk controls. 

Solution

To support that smarter approach, Sicredi brought AI deeper into its authorization strategy through Mastercard Dynamic Decisioning. The enhancement helps Stand-In Authorization make decisions that more closely reflect Sicredi’s usual authorization behavior when its systems are disrupted. 

 

Working with Mastercard, Sicredi reviewed performance, identified approved optimizations and applied AI-powered decisioning to help keep more legitimate transactions moving. This helped reduce avoidable declines and support a more consistent, confident payment experience for cardholders. 

Woman on HP laptop at a coffee shop

Impact

Sicredi’s use of Mastercard Dynamic Decisioning helped create a more dependable payment experience for cardholders when systems were under pressure. By helping more legitimate transactions go through and reducing avoidable declines, Sicredi strengthened continuity at checkout while supporting more resilient authorization performance.

$6M

estimated increase in annual incremental Gross Dollar Volume

$147K

estimated annual operational fee savings

44%

uplift in Stand‑In Authorization approval rates

Our focus is on using technology to generate real value for our members. With Mastercard Dynamic Decisioning, we have enhanced the resilience of our authorization processes and reduced interruptions to legitimate transactions during system outages. This results in a smoother and more reliable payment experience for our members, while also strengthening Sicredi’s operational efficiency and reinforcing our commitment to delivering increasingly secure and convenient solutions.

Sicredi

Sicredi is helping raise the bar for authorization resiliency through Mastercard Dynamic Decisioning. Its use of AI-powered decisioning shows how smarter authorization strategies can support payment continuity, reduce avoidable declines and create a more reliable experience for cardholders.

What's next

Sicredi’s next priority is to sustain the value of its improved authorization performance and continue building on the resiliency gains delivered through Dynamic Decisioning. 

By continuing to optimize its authorization strategy with Mastercard, Sicredi can support stronger payment continuity, higher approval performance during disruptions and more reliable payment moments for customers. The collaboration also creates a foundation to extend value across Mastercard’s broader decisioning capabilities, helping reinforce customer trust and long-term operational resiliency. 

Meet the Sicredi team 

Virginia Silva da Cunha

Head of Payments

Tais Boff Griep

Group Product Manager

Ian de Paula Queiroga Castro

Authorization Product Manager

Lucas Rodrigues Ribeiro

Operations Analyst

Elisabete Martins Antero Figueroa

Fraud Prevention Manager

Mariana Lima Saliby

Fraud Prevention Consultant

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