A leading digital bank in Brazil set out to modernize its data infrastructure, streamline operations, and enable advanced analytics and AI initiatives. With millions of clients nationwide and a broad portfolio of financial products, the company needed a scalable, reliable, and automated way to manage tax reporting at scale. 

Partnering with Indicium and Databricks, the organization built a unified reporting engine that simplified a complex, fragmented process and provided the flexibility to deliver over 660,000 income reports through its digital platform. 

Evolving Reporting to Support Growth

At the start of each fiscal year, the bank must provide income statements to clients for tax filling. But as its digital ecosystem expanded, reporting became increasingly fragmented. Different products had different formats and workflows. For example, a client with both a pension plan and a capitalization product would receive two separate income statements, one by email and another by email and regular mail.

While effective in meeting initial needs, this approach created opportunities to enhance consistency, automate delivery, and reduce manual effort. The bank saw an opportunity to:

• Unify reporting across financial products
• Improve consistency and delivery
• Reduce manual work
• Streamline distribution through a secure, digital channel
• Raise the bar on the customer experience

The organization’s goal was to centralize the reporting process and deliver a single, standardized document per client, distributed entirely through its app.

A Unified Reporting Engine Powered by Unity Catalog

To meet these goals, Indicium mapped all the relevant data sources across the bank’s product lines. The team assessed volume, structure, business rules, and optimal ingestion paths. All data was routed through Databricks, the platform of choice for scalable processing, transformation, and automation.

Unity Catalog (UC) served as the central governance layer, ensuring standardized access controls, lineage, and data auditing across all product datasets. By consolidating scattered sources under UC, the bank gained a single point of governance to manage permissions, track transformations, and maintain compliance during the entire tax-reporting lifecycle. UC simplified onboarding new datasets, reduced data-access friction, and eliminated inconsistencies that previously came from ad-hoc, product-specific workflows.

In parallel, a unified income statement template was co-developed to ensure full alignment with branding, legal, and communication standards. Once finalized, the team applied product-specific business rules and began transforming the data directly within Databricks.

The entire reporting workflow was executed inside Databricks notebooks, from ingestion to transformation to final PDF generation. A custom Python package enabled PDF generation directly within Databricks, which eliminated the need for external rendering tools.

Once data was validated, personalized income statements were generated at scale, tailored to each client’s product portfolio and tax obligations. Key components of the solution included:

• A centralized data pipeline to merge and normalize records
  
• Unified governance and lineage through Databricks Unity Catalog
• Native PDF generation within Databricks
  
• Full integration with the bank’s digital app
  
• A scalable architecture built to handle high volume and low latency
  
• Data validation layers to guarantee consistency and compliance
  
  

This end-to-end solution centralized and standardized a fragmented process. It improved governance, scalability, and customer experience with the flexibility and power of Databricks at its core.

Business Impact: Simpler, Faster, Better

The solution delivered measurable impact:

• Over 660,000 income statements generated and distributed
• 85% of financial products are now consolidated under a single template
• All documents delivered digitally through the app 

The new system drastically reduced operational overhead while enhancing accuracy and control. Customers now receive a single, unified tax report, on time and in one place. Internally, the organization gained a governed, automated process that’s easy to maintain and scale.

Indicium brought end-to-end ownership and autonomy, keeping the initiative on track through complex dependencies. This allowed internal teams to focus on their core priorities while ensuring consistent delivery and quality.

A Strategic Partner for Scalable Delivery

The organization needed more than a data product to consolidate information and generate reports for clients. They needed a strategic partner with the expertise, structure, and discipline to unify fragmented reporting processes and deliver a seamless, high-scale solution. Indicium delivered with IndiMesh, our proprietary framework built on collective intelligence, deep technical expertise, and rigorous quality control.

Indicium built capability by embedding automation, scalability, and governance into the architecture. The bank was able to move from manual workflows to a fully automated data product. We also transferred knowledge to internal teams to ensure sustainability, reduce reliance on external support, and empower future innovation.

With over 8 years of experience delivering high-impact solutions across the modern data stack, Indicium accelerated the client’s ability to scale. Our approach brought standardization, reliability, and control to a once-fragmented process without disrupting operations.

Our commitment to quality made the difference. Using Databricks and standardized code templates, we ensured data accuracy, reduced support overhead, and enabled the platform to support over 660,000 reports without performance issues.

Indicium helped turn a complex, fragmented tax reporting process into a digital product that scales. With automation driving speed, governance ensuring control, and internal teams ready to own the future, the bank is positioned to deliver better customer experiences — year after year.