Hiring with Digital Acceptance Qorus-NTT DATA Innovation in Insurance Awards 2025

Capitalization is a savings product where an individual or company can accumulate capital over time while benefiting from a monthly prize draw. This process involves making monthly or one-time payments. In Brazil, capitalization is regulated by SUSEP (Private Insurance Superintendence) and is sold by companies like Bradesco Seguros. Due to its nature, we categorize this product under "Income Protection" as it aligns with fostering financial discipline. It is a unique product in the Brazilian market. Globally, it bears some similarity to Premium Bonds in the UK and Prize-Linked Savings Accounts in the US.

Aiming to facilitate the hiring journey, digital signature tools allow for the remote contracting of capitalization bonds, improving the experience for both customers and managers, significantly increasing the security of the operation, and reducing the operational load on sales points. In recent months, we have implemented system improvements focused on increasing digital formalization and are already reaping the results. In 2024, 88% of capitalization contracts were completed with some form of digital formalization, whether the customer self-served through the channels or signed via digital acceptance, eliminating the need for manual filling and sending of physical proposals. This also includes the contracting of financial products via the app, increasing accessibility, reducing paper usage, and contributing to sustainability.