João, an entrepreneur with more than 35 years of experience in software development, founded JJ4Tech with the objective of bringing a solution already extensively tested by numerous customers of the fast payments' ecosystem (please see "Our Roots" for more info).
After obtaining a Master's in Computer Science from the Pontifical Catholic University of Rio de Janeiro (PUC-Rio) and lecturing for 14 years as a guest professor at some of the main Brazilian universities, João began his corporate career as a technology consultant. From 1996 until 2001, João developed strategic systems for various companies, such as Citibank, IBM, Bradesco, Central Bank of Brazil, the Brazilian Banks' Federation (translation for "FEBRABAN"), the Brazilian Marine Force and Petrobras.
In 2001 founded the company “JD Consultores”, having invited Fernanda Jardim to found it with him, currently the leading instant payment provider in Brazil. The success of JD Consultores led to the creation of JJ4tech in 2022 (please see "Our Roots" for more info).
Fernanda, an entrepreneur for more than 20 years in the financial industry (please see "Our Roots" for more info), and specialist in Database, semi-structured data and XML, embarked on the journey of creating JJ4Tech with the goal of bringing all her experience in problem solving, customer support and testing implementations to the American market. Presenting the best possible technology is just one of JJ4Tech's differentials, Fernanda is here to ensure that our clients will always have the best support.
Fernanda has previously worked as a consultant for several companies such as Citibank, Central Bank of Brazil, Interbank Payments' Chamber (translation for "CIP"), Brazilian Banks' Federation (translation for "FEBRABAN"), Petrobras, ALBRAS - Brazilian Aluminum (translation for "Albras Alumínio Brasileiro") and Lotus of Brazil (translation for "Lotus do Brasil").
In 2001 was invited by João Jardim to found the company “JD Consultores”, currently the leading instant payment provider in Brazil . The success of JD Consultores led to the creation of JJ4tech in 2022 (please see "Our Roots" for more info).
Lawyer that found herself in the world of business, former Statutory Director at TAG IMF (a Stone Co. company, NASDAQ listed under the ticker STNE). TAG IMF is a financial market infrastructure authorized by the Brazilian Central Bank as a collateral registry focused on the registration of card receivables. Was a director in two startups in California, United States, Strategic Planning Director at My Open Road Corp and Marketing Director at Push Inc., and held other positions previously in technology companies in Brazil, such as Stone, Sieve and Site Blindado.
In 1997, Fernanda met João during her Master’s in Computer Science at the Pontifical Catholic University of Rio de Janeiro (PUC-Rio). At that time, they together began to idealize what in the future would become a company called "JD Consultores" (can be translated as JD Consultants).
In 2001, João was then invited by the Central Bank of Brazil to create the development methodology that would guide the creation of all the Central Bank of Brazil's systems from then on.
The project was a success, which led João and Fernanda to create the dream company "JD Consultores", a company that initially would be a consulting firm for the financial industry.
"JD Consultores" was then invited by the World Bank to lead the conception of the Brazilian Payments System (translation for "SPB"). The SPB holds a structure that encompasses a series of integrated entities, operations and institutions, which enables a wide variety of economic agents in Brazil to carry out financial transactions.
At this point, João and Fernanda envision a unique market opportunity and JD Consultores pivots to start acting as a company specialized in applied software solutions. JD Consultores then launches an innovative application called JD SPB, a gateway for financial institutions to connect with the Central Bank of Brazil, allowing its participating in the SPB. Over the years, JD Consultores has replicated this success in all its new solutions.
In 2019, when the Central Bank of Brazil started its Instant Payment project (PIX), JD Consultores was invited to participate as a consultant in its working groups. In 2020, when the project went live, JD came out with JD PI, the leading solution in the Brazilian financial market to this day.
In 2022, João and Fernanda decided to bring JD Consultores' tech, in practice experience and know-how to the American market by founding JJ4tech.
JD Consultores is a solid company with more than 20 years of experience and always innovating, up to date with market changes.
JD Consultores is specialized in mission-critical applications, building software that work continuously to ensure their customers’ success.
JD Consultores processes over one billion transactions within the Brazilian instant payments ecosystem each month, helping its clients handle their high volumes.
JD Consultores bring state-of-the-art technology to over 300 financial institutions. JD Consultores support 58% of all financial institutions in Brazil, being the leading instant payments service provider in its industry.
The biggest Latin American fintech unicorns use JD Consultores as their service provider.
João and Fernanda participated in the Central Bank of Brazil's work groups to structure the Brazilian Instant Payment Service (PIX).
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