Senior Sistemas
“Can a Brazilian ERP incumbent turn its 13,000 mid-market customers into a captive distribution channel for embedded credit, benefits and banking by partnering with BTG Pactual?”
Senior Sistemas is a 35+ year Brazilian ERP/HCM software vendor headquartered in Blumenau, SC (CNPJ 80.680.093/0001-81). It has evolved from a traditional on-prem ERP into a cloud-native platform (Senior X) hosted on AWS, and is now aggressively embedding finance into that platform: ERP Banking centralizes PIX/boleto receivables and payments; Senior Capital (a 2025 JV with BTG Pactual) plugs credit, receivables anticipation and supplier financing into the ERP; and its Wiipo subsidiary delivers flexible benefits, payroll cards and 'crédito do trabalhador' (payroll-deducted loans). Positioning has shifted from 'ERP + integrations' to 'financial OS for Brazilian mid-market' powered by AI agents (SARA).