Bemobi Mobile Tech (BMOB3) Investor Day 2025 summary

Strategic vision, company evolution, and business transformation

• Transitioned from a niche mobile gaming payment provider to a multi-vertical, specialized B2B payment and SaaS company, now operating in 60 countries and five industries, with over 1,500 partners.

• Emphasizes verticalization and deep integration with client systems (CRM, ERP, billing) to reduce friction and boost conversion, focusing on tailored solutions for each industry.

• Recent acquisitions (Nomo, Friday IP) and expansion into health and education reinforce verticalization and product breadth.

• Strategic partnerships with major tech and acquirers (Google, Apple, Meta, Visa) enable early access to innovations like biometric PIX and WhatsApp Pay, enhancing product differentiation.

• M&A strategy targets capabilities and market entry, not just revenue, with a focus on scalable, synergistic assets.

AI-driven transformation, product innovation, and technology

• AI is a core pillar, with rapid adoption across product development, operations, and client solutions, aiming for 80% of code to be AI-assisted/generated by 2025/26.

• Launched Bemobi Pay platform, featuring Smart Checkout (omni-channel, white-label, AI-driven), payment orchestration (dynamic routing, fallback, cost optimization), and Grace (AI-powered conversational payments via WhatsApp).

• Smart Checkout supports all payment methods, leverages AI for optimal user experience, and enables multi-method transactions, boosting conversion rates.

• Payment orchestration engine dynamically routes transactions, manages recurring payments with fallback across rails (credit, debit, PIX), and optimizes for cost and resilience.

• Unified wallet and embedded payments across verticals enhance user convenience and drive network effects.

Market opportunity, growth outlook, and strategy

• Focused on three growth horizons: (1) deepening penetration in core verticals (telco, utilities, education) in Brazil, (2) expanding to new industries (water, health, insurance) and geographies (Chile, Colombia, Mexico), (3) cross-selling SaaS and payment solutions.

• Core verticals show significant headroom: potential to double telco top-up TPV, triple postpaid, 30x broadband, 8x utilities, and 7–15x education.

• International expansion targets markets with similar payment digitalization potential, aiming to replicate Brazil’s success.

• Cross-sell strategy leverages SaaS footprint to drive payment adoption and vice versa, as seen with Agenda Edu, Sabesp, and new solutions like Grace and Wave.

• Focused differentiation in the payment value chain positions the company to bridge the digital payment gap for traditional businesses.