A new mobile bank for Energisa empowering social transformation

Rural regions often lack the infrastructure to allow companies to reproduce their business and service models in urban zones. Energisa needed a solution to help its diverse clientele pay utility bills, particularly considering that 29% of Brazil’s population do not own any bank account, according to Locomotive Institute.

The challenge was to create a banking experience that would be adopted by people unfamiliar with modern financial systems, including rural and low-income customers, where traditional banking was inaccessible. 

We conducted deep research in rural regions, offering insight into how people in those communities use the internet – primarily through platforms like WhatsApp and Facebook. We delivered 15 in-depth user journeys, ranging from utility bills payment to phone credit recharge. By integrating familiar elements and interfaces, we created a seamless banking experience. The Voltz app allows for personal and business accounts, and enables bill splitting between family members, all in a simple, user-friendly platform.

Voltz is expected to impact 5 million people by 2025, rolling out across 862 cities in underserved regions. With its approachable interface, users can engage with the Voltz app in a similar way to how they already do with messaging apps and social media. Its success is driving economic growth and opening financial access nationwide.