FICO Platform Powers R$1B Digital Transformation in Brazil's Rural Credit System with Bradesco's E-agro Marketplace

FICO's advanced decisioning platform has powered Bradesco's digital transformation in Brazil's rural credit system through E-agro, a fully digital marketplace that has granted over R$1 billion in credit to 500,000 farmers in its first year. E-agro reduced contract lead times by 70% and performed over 2,000 complex transactions, winning the ESG Champion category at the 2025 FICO Decision Awards for its environmental and economic impact. The platform supports sustainable agricultural practices and contributes to global food security and environmental protection.

FICO's advanced decisioning platform has driven a significant transformation in Brazil's rural credit system through Bradesco's E-agro marketplace. Launched in 2023, E-agro has granted over R$1 billion in credit to more than 500,000 farmers in its first year [1].

The platform, built on FICO's cutting-edge technology, has streamlined the rural lending process, reducing contract lead times by 70% and automating over 2,000 complex transactions. This digital revolution has not only accelerated credit access but also enhanced sustainability and economic resilience in rural Brazil [1].

E-agro's success is evident in its environmental and economic impact, as demonstrated by its win in the ESG Champion category at the 2025 FICO Decision Awards. The platform supports sustainable agricultural practices and contributes to global food security and environmental protection [1].

By integrating FICO's advanced decisioning capabilities, Bradesco has made the rural credit process faster, fairer, and more inclusive. Farmers can now apply, qualify, and receive credit entirely online, eliminating the need for in-person visits. The platform's real-time credit eligibility checks and tailored offers based on behavioral and agronomic data further enhance its efficiency and effectiveness [1].

In addition to its financial impact, E-agro's digital transformation supports Bradesco's broader commitment to environmental sustainability. The platform plays a supporting role in the ILPF (Integrated Crop-Livestock-Forestry) Network, a regenerative agriculture model that enhances biodiversity and reduces greenhouse gas emissions [1].

The success of E-agro underscores the potential of digital innovation in financial services, particularly in supporting rural development and environmental sustainability. As the platform continues to evolve, it promises to further empower farmers and contribute to a more resilient and sustainable global food system.

References:
[1] https://www.morningstar.com/news/business-wire/20250708691193/fico-platform-powers-r1b-digital-transformation-in-brazils-rural-credit-system
[2] https://www.businesswire.com/news/home/20250708691193/en/FICO-Platform-Powers-R%241B-Digital-Transformation-in-Brazils-Rural-Credit-System