São Paulo – July 9, 2025 – PicPay, Mastercard, and Flourish Fi have joined forces in a partnership to create a gamified credit journey for PicPay clients. As part of this partnership, Flourish Fi’s engagement platform will be used to create missions—such as paying the credit card bill on time—and reward users who are progressing with credit limit increases.

For PicPay, the challenge is to teach customers how to use credit sustainably, encouraging timely payments to become a habit.

“The goal of the missions is to help our customers to achieve small milestones, such as learning to pay the full credit card bill. We believe that yje mission can help them to better understand their own potential and become more aware of how much they can spend,” explains Juliana Lazzarini, Head of Product Management at PicPay.

The use of games for financial education has proven to be an effective way to change behavior, particularly in reducing delinquency. Flourish Fi's technology has been the subject of research by U.S. scholars at Georgetown University. In a published article, they highlighted increased logins to the financial institution's app and more on-time payments. The same study analyzed user behavior during a pause in incentives, showing that those who used the technology for more than a month developed the habit of accessing the bank and paying bills even without the incentives.

Flourish Fi’s partnership with Mastercard began through the Start Path program, grew within the Mastercard Center for Inclusive Growth, and today serves as a way to facilitate integration of the platform with banks that use Mastercard.

“Mastercard introduced us to Flourish when we were looking for a gamification solution to engage customers and communicate our message in a playful way. All three companies share the same purpose: to promote financial education and support customers in their credit journey,” says Juliana.

For Flourish Fi, the partnership with PicPay is a way to expand its mission of promoting good financial habits.

“PicPay has a large customer base, and the reality is that many Brazilians lack access to financial education. We see great potential in our technology to guide these users toward financial wellness and growth—not only in their credit limits but also in their access to banking products within PicPay,” says Pedro Moura, CEO of Flourish Fi.

PicPay customers already have access to the missions and can use the journey to improve their credit score, increase their credit card limit, and strengthen their relationship with the bank.

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