Graph Data Science predicts chain risks via transaction network analysis Qorus-Infosys Finacle Banking Innovation Awards 2025- Nominated

Bradesco has developed a pioneering innovation by applying the emerging technology of Graph Data Science to the preventive analysis of chain credit risks. The idea is to map critical financial events and prevent them, such as judicial recoveries or defaults, from causing widespread disruption in the value chain. The main aim of this initiative is to anticipate, protecting customers and reducing the perception of risk in the market, as well as supporting economic stability by preventing companies from being surprised by partner defaults. This solution represents a significant competitive advantage over the competition, which traditionally acts more reactively. By adopting an emerging technology, as highlighted by Gartner, Bradesco is positioning itself at the forefront of risk management, with the ability to identify, more accurately and quickly, the extent of the financial impacts caused by large companies in crisis. Our motivation for this project arose from the significant increase in judicial recoveries and credit deterioration in Brazil, phenomena that threaten not just individual companies, but the entire economic chain. As a bank committed to the financial health of its clients and the stability of the system, we saw the need to evolve its analysis and prevention tools. Three departments actively participated in the development: Inovabra, Bradesco's innovation hub, which led the identification of the technology and the articulation of the project; the Credit area, which guided the modeling based on its expertise in risk analysis; and Data Intelligence, responsible for building the analytical models based on Graph Data Science. As a result, we quickly implemented an effective solution, capable of generating preventive alerts and offering proactive solutions to clients, contributing not only to mitigating systemic risks, but also to preserving confidence in the financial system and the economy as a whole.