How Banco Digio Redefined Its Data Strategy

In an increasingly competitive financial market, Digio, a digital bank with millions of customers in Brazil, needed to accelerate innovation. To do so, it had to build a robust, scalable, and well-governed data strategy.

To enable this new level of data maturity, the bank partnered with act digital and Microsoft. Together, they migrated and consolidated the data environment into a single Data Intelligence platform. The solution uses Databricks on Microsoft Azure.

The project transformed the bank’s data foundation. More than 190 TB were migrated. Over 40,000 artifacts were repositioned and more than 400 people participated in the program, which connected technology, governance, and a data-driven culture.

The Challenge: Complexity, High Costs, and Fragmented Governance

Before the migration, Digio’s data environment supported important analytical workloads and business-critical pipelines. However, several limitations affected scalability, operational efficiency, and financial predictability.

Main Pain Points

- Operational complexity

Multiple platforms, point-to-point integrations, and heterogeneous architectures increased the effort required for management, maintenance, and support.

- High costs and limited visibility

Redundant solutions and frequent data transfers between environments generated significant infrastructure costs, with low spending predictability.

- Limited integration with the corporate ecosystem

The coexistence of different technologies made integration with tools already standardized across the group more difficult, affecting the productivity of data and technology teams.

- Fragmented governance and regulatory risk

Security, compliance, and audit policies were applied inconsistently, increasing operational and regulatory risk in a highly supervised sector.

The Solution: Migration and Consolidation on Databricks in Azure

To address these challenges, act digital, Digio, and Microsoft jointly developed a data strategy composed of a migration and modernization journey guided by three pillars:
Platform consolidation, centralized governance, and cost optimization (FinOps).

Consolidação de plataformas, governança centralizada e otimização de custos (FinOps).

Data Intelligence strategy with Databricks

The strategic decision was to consolidate the data environment into a single Databricks workspace on Azure, forming the backbone of the bank’s new analytics platform. Key initiatives included:

- Consolidation into a single Azure environment

Unification of solutions and restructuring of the main data use cases in Databricks. This reduces the number of technologies to manage and simplifies the analytics ecosystem.

- Native integration with corporate tools

Architecture designed for standardized integration with tools already adopted by the bank and the group, including monitoring, logging, security, and analytics platforms.

- Centralized data and access governance

Definition of a governance model with consistent security, compliance, and audit policies. This included consolidated audit trails and proper environment segregation — development, staging, and production.

Issami Suzuqui, Technology and Cybersecurity Executive at Digio

“act digital’s role was essential to the progress of the project. The team brought an important technical contribution, demonstrating strong expertise in Databricks and Cloud. The team participated in every stage, from architecture design to data migration, in alignment with Digio’s technical workstreams.”

Issami Suzuqui, Technology and Cybersecurity Executive at Digio

Migration Journey: From Architecture Design to Execution

act digital worked end to end throughout the journey, using a consultative and collaborative approach:

Design of the data architecture on Azure + Databricks

Definition of components, ingestion, transformation, consumption, and governance standards, with a focus on scalability and high availability.

Migration planning and orchestration

Structuring migration waves to ensure service continuity, prioritizing critical workloads and minimizing availability risks.

Co-creation with Digio’s teams

Collaborative design with the bank’s technical workstreams, ensuring knowledge transfer, architectural alignment, and adherence to business needs.

FinOps and cloud cost optimization

Application of financial optimization best practices on Azure, with a focus on:

  • Reduction of data movement between regions and services.
  • Appropriate selection of instance types and automatic scalability.
  • Continuous consumption monitoring and fine-tuning of capacity.

Collaborative Working Model

With more than 400 people involved and 45 areas impacted, the project connected technology, data, security, risk, finance, and business. This structure enabled:

  • Alignment between regulatory requirements and technical design
  • Joint prioritization of critical use cases
  • Adoption of a data governance model that balances agility and security
Frédéric Martineau, CTO of the act digital

“The project with Digio was an example of collaboration from the beginning, supported by strong technical integration between the teams. We worked with Digio and Microsoft on defining the architecture and executed the migration to Databricks on Azure. As a result, we ensured technical consistency and adherence to cloud best practices.”

Frédéric Martineau, CTO of the act digital

Results: A New Data Foundation for Financial Innovation

Following this migration to Databricks on Azure, Digio gained a unified, scalable, and governed data foundation. It supports daily operations as well as innovation in new digital financial products.

Technical and Operational Impact

More than 40,000 artifacts migrated

Jobs, dashboards, tables, queries, notebooks, and other analytical assets migrated to the new Databricks environment.

More than 190 TB of data securely transferred

Large-scale migration, with wave planning and risk mitigation for critical workloads.

More than 20 services provisioned on Azure

Creation of a complete ecosystem of data, processing, security, and monitoring services connected to the Databricks platform.

Unified governance

Security, compliance, and audit policies applied centrally, with greater traceability and control.

“act digital contributed to building Digio’s new data environment, aligned with the area’s objectives and the business strategy.”

Issami Suzuqui, Technology and Cybersecurity Executive at Digio

Business and Financial Impact

Significant reduction in operational costs

Platform consolidation and FinOps practices reduced infrastructure and operational costs. They also brought greater visibility into cloud consumption.

Greater financial predictability

With more detailed monitoring and optimized consumption models, Digio gained spending predictability. This enabled better planning for investments in data and analytics.

Solid foundation for continuous innovation

The new data foundation enables:

  • Evolution of financial products based on analytics and AI
  • Reduced time to market for new use cases
  • Better customer experience, with more personalized and secure services

Conclusion: Data as a Competitive Advantage in the Financial Sector

The partnership between Digio, act digital, and Microsoft transformed a complex data environment. It is now a modern, scalable Data Intelligence platform ready for the future.

By consolidating data, processes, and governance on Databricks in Azure, the bank:

  • Reduced costs and complexity
  • Increased financial predictability
  • Strengthened security, compliance, and audit capabilities
  • Created a solid foundation for innovation in digital financial products

This case demonstrates how an AI-first and data-driven approach, combined with robust technical execution and close collaboration between partners, can turn technical challenges into a competitive advantage in the financial market.

act digital continues to support Digio in its continuous evolution journey, connecting data, artificial intelligence, and business to generate real impact.

In an increasingly competitive financial market, Digio, a digital bank with millions of customers in Brazil, needed to accelerate innovation. To do so, it had to build a robust, scalable, and well-governed data strategy.

To enable this new level of data maturity, the bank partnered with act digital and Microsoft. Together, they migrated and consolidated the data environment into a single Data Intelligence platform. The solution uses Databricks on Microsoft Azure.

The project transformed the bank’s data foundation. More than 190 TB were migrated. Over 40,000 artifacts were repositioned and more than 400 people participated in the program, which connected technology, governance, and a data-driven culture.

The Challenge: Complexity, High Costs, and Fragmented Governance

Before the migration, Digio’s data environment supported important analytical workloads and business-critical pipelines. However, several limitations affected scalability, operational efficiency, and financial predictability.

Main Pain Points

- Operational complexity

Multiple platforms, point-to-point integrations, and heterogeneous architectures increased the effort required for management, maintenance, and support.

- High costs and limited visibility

Redundant solutions and frequent data transfers between environments generated significant infrastructure costs, with low spending predictability.

- Limited integration with the corporate ecosystem

The coexistence of different technologies made integration with tools already standardized across the group more difficult, affecting the productivity of data and technology teams.

- Fragmented governance and regulatory risk

Security, compliance, and audit policies were applied inconsistently, increasing operational and regulatory risk in a highly supervised sector.

The Solution: Migration and Consolidation on Databricks in Azure

To address these challenges, act digital, Digio, and Microsoft jointly developed a data strategy composed of a migration and modernization journey guided by three pillars:
Platform consolidation, centralized governance, and cost optimization (FinOps).

Consolidação de plataformas, governança centralizada e otimização de custos (FinOps).

Data Intelligence strategy with Databricks

The strategic decision was to consolidate the data environment into a single Databricks workspace on Azure, forming the backbone of the bank’s new analytics platform. Key initiatives included:

- Consolidation into a single Azure environment

Unification of solutions and restructuring of the main data use cases in Databricks. This reduces the number of technologies to manage and simplifies the analytics ecosystem.

- Native integration with corporate tools

Architecture designed for standardized integration with tools already adopted by the bank and the group, including monitoring, logging, security, and analytics platforms.

- Centralized data and access governance

Definition of a governance model with consistent security, compliance, and audit policies. This included consolidated audit trails and proper environment segregation — development, staging, and production.

Issami Suzuqui, Technology and Cybersecurity Executive at Digio

“act digital’s role was essential to the progress of the project. The team brought an important technical contribution, demonstrating strong expertise in Databricks and Cloud. The team participated in every stage, from architecture design to data migration, in alignment with Digio’s technical workstreams.”

Issami Suzuqui, Technology and Cybersecurity Executive at Digio

Migration Journey: From Architecture Design to Execution

act digital worked end to end throughout the journey, using a consultative and collaborative approach:

Design of the data architecture on Azure + Databricks

Definition of components, ingestion, transformation, consumption, and governance standards, with a focus on scalability and high availability.

Migration planning and orchestration

Structuring migration waves to ensure service continuity, prioritizing critical workloads and minimizing availability risks.

Co-creation with Digio’s teams

Collaborative design with the bank’s technical workstreams, ensuring knowledge transfer, architectural alignment, and adherence to business needs.

FinOps and cloud cost optimization

Application of financial optimization best practices on Azure, with a focus on:

  • Reduction of data movement between regions and services.
  • Appropriate selection of instance types and automatic scalability.
  • Continuous consumption monitoring and fine-tuning of capacity.

Collaborative Working Model

With more than 400 people involved and 45 areas impacted, the project connected technology, data, security, risk, finance, and business. This structure enabled:

  • Alignment between regulatory requirements and technical design
  • Joint prioritization of critical use cases
  • Adoption of a data governance model that balances agility and security
Frédéric Martineau, CTO of the act digital

“The project with Digio was an example of collaboration from the beginning, supported by strong technical integration between the teams. We worked with Digio and Microsoft on defining the architecture and executed the migration to Databricks on Azure. As a result, we ensured technical consistency and adherence to cloud best practices.”

Frédéric Martineau, CTO of the act digital

Results: A New Data Foundation for Financial Innovation

Following this migration to Databricks on Azure, Digio gained a unified, scalable, and governed data foundation. It supports daily operations as well as innovation in new digital financial products.

Technical and Operational Impact

More than 40,000 artifacts migrated

Jobs, dashboards, tables, queries, notebooks, and other analytical assets migrated to the new Databricks environment.

More than 190 TB of data securely transferred

Large-scale migration, with wave planning and risk mitigation for critical workloads.

More than 20 services provisioned on Azure

Creation of a complete ecosystem of data, processing, security, and monitoring services connected to the Databricks platform.

Unified governance

Security, compliance, and audit policies applied centrally, with greater traceability and control.

“act digital contributed to building Digio’s new data environment, aligned with the area’s objectives and the business strategy.”

Issami Suzuqui, Technology and Cybersecurity Executive at Digio

Business and Financial Impact

Significant reduction in operational costs

Platform consolidation and FinOps practices reduced infrastructure and operational costs. They also brought greater visibility into cloud consumption.

Greater financial predictability

With more detailed monitoring and optimized consumption models, Digio gained spending predictability. This enabled better planning for investments in data and analytics.

Solid foundation for continuous innovation

The new data foundation enables:

  • Evolution of financial products based on analytics and AI
  • Reduced time to market for new use cases
  • Better customer experience, with more personalized and secure services

Conclusion: Data as a Competitive Advantage in the Financial Sector

The partnership between Digio, act digital, and Microsoft transformed a complex data environment. It is now a modern, scalable Data Intelligence platform ready for the future.

By consolidating data, processes, and governance on Databricks in Azure, the bank:

  • Reduced costs and complexity
  • Increased financial predictability
  • Strengthened security, compliance, and audit capabilities
  • Created a solid foundation for innovation in digital financial products

This case demonstrates how an AI-first and data-driven approach, combined with robust technical execution and close collaboration between partners, can turn technical challenges into a competitive advantage in the financial market.

act digital continues to support Digio in its continuous evolution journey, connecting data, artificial intelligence, and business to generate real impact.

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