Transformation World 2026 · Sicredi
As a cooperative bank, Sicredi answers to its member-owners, not to shareholders — and that shapes every investment decision. Mauricio Serafim, who heads portfolio management, explains why the bank framed its SAP transformation around efficiency and member value, and why leading it from the business rather than IT was decisive. In Brazil’s demanding compliance landscape — SPED, electronic invoicing, Febraban standards, and ongoing tax reform — running a current, well-maintained platform means fewer disruptive updates and faster time to compliance.
“You get the full potential of AI only when you have good, well-structured data — and that’s exactly where our strategy starts.”
Migrating more than 172 companies with substantial customization was no small task, and Serafim credits SNP’s market credibility, strong references, and transparent, committed partnership through go-live. Now, with a well-organized data lake in place, Sicredi is building toward agents and AI use cases — running pilots to gain the knowledge needed to scale. His closing argument is one every practitioner will recognize: talk of AI and speed means little without an organized data structure underneath it.
About the Guest
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Mauricio SerafimHead of Portfolio & Performance, Sicredi Mauricio Serafim leads Portfolio and Performance management at Sicredi, one of Brazil’s largest cooperative financial institutions. He drove the bank’s business-led SAP transformation, prioritizing efficiency and value for Sicredi’s member-owners while navigating Brazil’s demanding compliance landscape — SPED, electronic invoicing, Febraban standards, and tax reform. His guiding principle is that AI and innovation only deliver on a well-structured, organized data foundation, which shaped Sicredi’s migration of 170+ companies with SNP. |
