We are your technology hub for communication, credit and collections.

We combine data, artificial intelligence, and personalized service to create hyper-personalized journeys, strengthening relationships and promoting the financial health of companies.

Data-driven strategy to optimize results in credit and collections

We use technology and analytical intelligence to create more efficient, automated, and personalized collections processes. With the right data, at the right time, we reduce defaults and increase performance with decisions that go beyond intuition. Learn about our Business Units and discover how we can transform your results.

Trust
Credit Score solution that offers a tool for credit assessment, calculating customer scores and assisting in more assertive credit granting decisions.

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Trust
Credit Score solution that offers a tool for credit assessment, calculating customer scores and assisting in more assertive credit granting decisions.

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Evaluate
Behavior Score Solution: A system that analyzes customer behavior to predict default risk, offering detailed analysis to improve credit strategies.

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Evaluate
Behavior Score Solution: A system that analyzes customer behavior to predict default risk, offering detailed analysis to improve credit strategies.

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Reevaluate
Collection Score solution that optimizes collection strategies by assessing the likelihood of debt recovery, helping to prioritize efforts to maximize results.

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Reevaluate
Collection Score solution that optimizes collection strategies by assessing the likelihood of debt recovery, helping to prioritize efforts to maximize results.

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Locate
Localizai searches for and validates the best customer contacts, ensuring that communication is directed to the right people, increasing the efficiency of collection operations.

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Locate
Localizai searches for and validates the best customer contacts, ensuring that communication is directed to the right people, increasing the efficiency of collection operations.

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Recover
Recuperai is a solution for managing and operating Contact Centers, optimizing processes and ensuring that best practices are followed to maximize credit recovery.

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Recover
Recuperai is a solution for managing and operating Contact Centers, optimizing processes and ensuring that best practices are followed to maximize credit recovery.

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Pay
Pagai offers a complete payment solution, facilitating transactions via Pix and credit card, streamlining the payment processing process and improving the customer experience.

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Pay
Pagai offers a complete payment solution, facilitating transactions via Pix and credit card, streamlining the payment processing process and improving the customer experience.

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Negotiation
An AI bot trained to help customers by offering the best options for paying off their debts.

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Negotiation
An AI bot trained to help customers by offering the best options for paying off their debts.

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4Cia
4Cia is a system that creates personalized digital collection journeys, integrating different contact channels to improve efficiency in credit recovery.

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4Cia
4Cia is a system that creates personalized digital collection journeys, integrating different contact channels to improve efficiency in credit recovery.

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VigIA
AI solution for monitoring, analyzing, and categorizing messages and calls during the debt collection and telecollection process.

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VigIA
AI solution for monitoring, analyzing, and categorizing messages and calls during the debt collection and telecollection process.

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PesquisAI
PesquisAI automates customer satisfaction surveys using Net Promoter Score (NPS), providing insights into customer experience and areas for improvement.

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PesquisAI
PesquisAI automates customer satisfaction surveys using Net Promoter Score (NPS), providing insights into customer experience and areas for improvement.

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GenIA
GenIA is a service that uses artificial intelligence to increase operational efficiency in credit and collections, enabling more accurate and strategic decisions.

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GenIA
GenIA is a service that uses artificial intelligence to increase operational efficiency in credit and collections, enabling more accurate and strategic decisions.

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ComunicAI
Intelligent communication software that uses omnichannel to generate business and strengthen customer relationships.

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ComunicAI
Intelligent communication software that uses omnichannel to generate business and strengthen customer relationships.

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Trust and results that transform financial performance

With over 25 years of experience in the market, 4C Digital combines innovation, technology, and personalized service to boost the financial health of companies throughout Brazil. Our results demonstrate the effectiveness of an ecosystem designed to deliver strategic communication, intelligent billing, and more assertive decisions.

4.9

/86 reviews

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Reducing default

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Years of experience

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Customers served

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Of national presence

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From customers in collection

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Millions of monthly shots

Companies that trust 4C Digital throughout Brazil

Technology and financial intelligence for those who want to transform results

Our solutions were developed for companies seeking more efficient billing, strategic communication, and cash flow optimization. Whether your challenge is financial or customer relations, 4C Digital is your innovation hub.

Reduce default more efficiently

If you need to minimize the impact of default and strengthen your company's cash flow.

Improve communication with your customers

For companies that want to build intelligent, humanized and hyper-personalized communication journeys.

Optimize credit recovery

If your goal is to recover credit quickly and efficiently, using data-driven multichannel strategies.

Increase the predictability of your cash flow

For those seeking intelligence tools that help with risk analysis and strategic decision-making.

Evolve your collection and relationship processes

If your goal is to modernize collections operations with automation, artificial intelligence, and specialized support.

A history of innovation and commitment to the financial health of companies

With over 25 years of experience in the market, 4C Digital was created to transform the way companies interact with their customers and manage their financial flows. Led by Marcela Bello and Marcelo Ninho, we combine data intelligence, personalized service, and multichannel strategies to build solid, lasting results. Learn more about our purpose and track record of success.

Let's boost your company's financial health?

Connect with our experts and discover how smart communication and digital billing can accelerate your results.
Talk now to someone who understands financial innovation.

Recognition that further drives our commitment

Learn about the experiences of those who have already transformed their processes with 4C Digital.

4.9

/86 reviews

Strategic insights for those leading financial transformation

Follow our content on communication, credit, collections, and innovation. Practical knowledge for those who want to stay one step ahead in the market.

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Questions frequent

Get answers to your questions about our solutions and services

4C is a technology hub specializing in strategic communication, digital debt collection, and debt recovery solutions that leverage data intelligence and innovation. We offer comprehensive solutions to promote the financial health of companies.

We serve medium and large companies, mainly in the energy, sanitation, financial institutions, ISPs, retail and education sectors, throughout Brazil.

Our service is consultative and personalized. A specialist assesses your company's situation and proposes tailored solutions, integrating our services according to your needs.

Yes! We integrate: WhatsApp, SMS, email, RCS, IVR, and other channels to create intelligent, hyper-personalized billing and customer relationship journeys.

Just leave your information or contact us via WhatsApp. Our team will understand your situation and structure the best proposal for your company.

X-ray of your default

Find out your business's financial health in just a few minutes. Use our exclusive calculator and gain clear insights to improve your results and reduce losses.

We are ready to boost your results

Talk to our experts and find out how we can support your company with personalized communication, credit, and collection strategies.

Be part of the transformation that connects innovation and results

We're looking for talent who shares our passion for innovation, technology, and excellence. If you believe in the power of transformation and want to make a difference, send your resume and come evolve with 4C Digital.

Internal Reporting Channel

The Internal Reporting Channel is exclusively for 4C Digital employees, suppliers and customers to receive reports of fraud, theft, robbery, illegal acts, suspected money laundering, corruption and/or unethical issues.

Data Protection Officer (DPO)

This channel is exclusively for communications related to the protection of personal data, as provided for in the LGPD.

Responsible:

Lucas Diano