Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 110

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 4
Chunk 110
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 a dedicated team with business units, according to                        
         our strategic drivers. It provides support in conducting initiatives from the design stage, case construction process, business model     
    validation, experimentation and scale in production. The goal is to generate innovative solutions that facilitate a better customer experience,
                   optimize existing products and services, expand to adjacent businesses, and increase participation in new markets;              
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·                Tech Innovation: multidisciplinary team focused on bringing a forward-looking perspective to our            
    technology structure aligning it with the best market practices and position it at the forefront of the financial sector;
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·                              R&amp;D - Multidisciplinary research team: it works in mapping trends and opportunities in the                          
      financial sector, identifying problems and proposing solutions. Connects and interacts with potential partners, such as companies, universities  
    and research institutes in Brazil and abroad, in order to bring new knowledge about emerging technologies, market evolution, digital transformation
           and efficiency improvements, and generate proposals for new business models and innovative solutions. Proposes, performs, conducts and      
           executes benchmarks and research on innovative solutions, competitors, clients, and applications, among others. Identify, propose and       
           engage opportunities, as well as foster experiments and pilots involving emerging technologies. Enhance and promote best practices of       
         the BTRL (Bradesco Technology Readiness Level) methodology, while maintaining an up-to-date Emerging Technologies Radar focused on trends     
          affecting the banking sector. Conducts readiness assessments and oversee the strategy, planning, and development of prioritized emerging     
                                                                       technologies;                                                                   
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·                     Open Innovation: in an environment of physical and digital co-innovation, large companies, startups,                 
    investors and consultants work collaboratively to accelerate innovation and foster entrepreneurship through business generation for the
     community and for us. The community has more than 200 resident startups and 1,500 connected through partner hubs, as well as 50 large 
                                                  companies looking for innovative solutions;                                              
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·                      Experimental laboratory (Design and Experiment): a secure environment for testing new technologies.                    
    Our objective for this model is to provide resources for product prototyping and design, and encourages experimentation with new solutions
                                    in partnership with startups and big techs, proof of concept, launches and                                
     solutions to new challenges. Our lab also has an Innovation Sandbox (testing platform) that enables the testing of solutions simulating  
         banking core, which ensures more accurate experimentation, reducing integration uncertainties and