“Can Santander Brasil's in-house tech company deliver banking software at fintech speed for a 60M+ customer ecosystem?”
F1RST Digital Services is the captive technology arm of Santander Brasil, building software and digital solutions for the Santander Brasil ecosystem of 60M+ customers and 55k+ employees. It is not a standalone embedded-finance vendor — it is an internal tech shop for a chartered bank. Public marketing focuses on engineering culture, careers, and antifraud/data engineering rather than external product/vendor disclosures.
F1RST Digital Services discloses Banco Santander (Brasil) S.A. (in-house) as its banking provider, according to the Embedded Finance Index 2026.
F1RST Digital Services does not disclose a bank charter of its own; its banking services are provided through Banco Santander (Brasil) S.A. (in-house).
F1RST Digital Services is headquartered in São Paulo, Brazil.
Get a read on where your own stack stands against F1RST Digital Services and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.