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With operations in 19 of Brazil’s 20 largest private banks, Act Digital highlights the advancement of modernization, hyper-personalization, intelligent automation, and AI-driven projects in critical business processes
The financial services industry is among the sectors making the greatest strides in artificial intelligence adoption, yet it continues to face a challenge common to large organizations: transforming pilots and isolated use cases into solutions fully integrated into critical business workflows.
According to the State of AI in Business 2025 report by MIT NANDA, more than 80% of companies have tested or piloted generative AI solutions, but only 5% have successfully implemented these initiatives at scale within critical business processes. The study also indicates that financial services remain among the sectors with high levels of pilot activity, yet relatively low levels of effective structural transformation.
Against this backdrop, banks and insurance companies have increased investments in technology modernization, data integration, and intelligent automation to accelerate operational efficiency gains and enhance customer experience. For Act Digital, an AI-first multinational technology company operating in 12 countries, the industry has entered a new phase: operational AI, where the focus shifts from experimentation to delivering tangible results with scale, governance, and integration into existing systems.
With a significant presence in the financial services sector, the company has closely followed the movement of institutions toward hyper-personalization, advanced credit models, omnichannel integration, and automation of critical processes.
“The conversation is no longer simply about experimenting with artificial intelligence. The market is now focused on how to scale these initiatives with governance, security, data quality, and measurable business impact,” says Frederic Martineau, Partner and CTO at Act Digital.
According to the executive, although generative AI has accelerated corporate interest over the past few years, many organizations still face structural challenges in transforming pilots into scalable solutions. Among the primary bottlenecks are legacy systems, fragmented data, limited platform integration, difficulties in measuring return on investment, and workforce adaptation to new AI-enabled operating models.
Act Digital supports projects focused on technology architecture modernization, cloud transformation, data engineering, software development, and the implementation of AI solutions applied to critical operations within the financial sector. The company works with banks, insurance providers, and major financial institutions through models ranging from specialized squads to long-term managed services.
“Brazil’s financial sector operates in one of the most advanced environments in the world in terms of digitalization, Open Finance, and conversational channels. At the same time, it is a market under intense pressure to improve efficiency, customer experience, security, and adaptability,” says Martineau.
Among the key demands identified by the company are projects related to back-office automation, fraud prevention, channel integration, customer journey personalization, platform modernization, and the use of AI agents to increase productivity and operational efficiency.
Another trend observed by Act Digital is the growing alignment between technology and business units within financial institutions.
“Previously, many of these discussions were concentrated within IT departments. Today, AI impacts products, operations, customer service, risk management, and operational efficiency. It is no longer solely a CIO agenda, it has become a strategic priority across the organization,” the executive explains.
With more than 6,000 Impactors (as the company refers to its employees) and operations in 12 countries, Act Digital has built its approach around client proximity, applied technology expertise, execution speed, and scalable delivery capabilities to support large organizations in their digital transformation and AI journeys.
“Companies are seeking partners capable of combining strategic vision with real implementation expertise. The challenge is no longer discussing AI’s potential, but rather turning that potential into concrete, sustainable, and measurable business value,” concludes Martineau.
With operations in 19 of Brazil’s 20 largest private banks, Act Digital highlights the advancement of modernization, hyper-personalization, intelligent automation, and AI-driven projects in critical business processes
The financial services industry is among the sectors making the greatest strides in artificial intelligence adoption, yet it continues to face a challenge common to large organizations: transforming pilots and isolated use cases into solutions fully integrated into critical business workflows.
According to the State of AI in Business 2025 report by MIT NANDA, more than 80% of companies have tested or piloted generative AI solutions, but only 5% have successfully implemented these initiatives at scale within critical business processes. The study also indicates that financial services remain among the sectors with high levels of pilot activity, yet relatively low levels of effective structural transformation.
Against this backdrop, banks and insurance companies have increased investments in technology modernization, data integration, and intelligent automation to accelerate operational efficiency gains and enhance customer experience. For Act Digital, an AI-first multinational technology company operating in 12 countries, the industry has entered a new phase: operational AI, where the focus shifts from experimentation to delivering tangible results with scale, governance, and integration into existing systems.
With a significant presence in the financial services sector, the company has closely followed the movement of institutions toward hyper-personalization, advanced credit models, omnichannel integration, and automation of critical processes.
“The conversation is no longer simply about experimenting with artificial intelligence. The market is now focused on how to scale these initiatives with governance, security, data quality, and measurable business impact,” says Frederic Martineau, Partner and CTO at Act Digital.
According to the executive, although generative AI has accelerated corporate interest over the past few years, many organizations still face structural challenges in transforming pilots into scalable solutions. Among the primary bottlenecks are legacy systems, fragmented data, limited platform integration, difficulties in measuring return on investment, and workforce adaptation to new AI-enabled operating models.
Act Digital supports projects focused on technology architecture modernization, cloud transformation, data engineering, software development, and the implementation of AI solutions applied to critical operations within the financial sector. The company works with banks, insurance providers, and major financial institutions through models ranging from specialized squads to long-term managed services.
“Brazil’s financial sector operates in one of the most advanced environments in the world in terms of digitalization, Open Finance, and conversational channels. At the same time, it is a market under intense pressure to improve efficiency, customer experience, security, and adaptability,” says Martineau.
Among the key demands identified by the company are projects related to back-office automation, fraud prevention, channel integration, customer journey personalization, platform modernization, and the use of AI agents to increase productivity and operational efficiency.
Another trend observed by Act Digital is the growing alignment between technology and business units within financial institutions.
“Previously, many of these discussions were concentrated within IT departments. Today, AI impacts products, operations, customer service, risk management, and operational efficiency. It is no longer solely a CIO agenda, it has become a strategic priority across the organization,” the executive explains.
With more than 6,000 Impactors (as the company refers to its employees) and operations in 12 countries, Act Digital has built its approach around client proximity, applied technology expertise, execution speed, and scalable delivery capabilities to support large organizations in their digital transformation and AI journeys.
“Companies are seeking partners capable of combining strategic vision with real implementation expertise. The challenge is no longer discussing AI’s potential, but rather turning that potential into concrete, sustainable, and measurable business value,” concludes Martineau.
