# How Acordo Certo uses H2O.ai

**70%**: “cut model development time by 70%”

As published on [h2o.ai](https://h2o.ai/case-studies/acordo-certo-h2o). Captured by usedby on 2026-10-17.

- Company: [Acordo Certo](https://www.usedby.ai/companies/acordo-certo.md)
- Tool: [H2O.ai](https://www.usedby.ai/tools/h2o-ai.md)
- Industry: [Fintech & Payments](https://www.usedby.ai/companies/industry/fintech-payments.md)
- Teams: Data Science

## What the story says

Acordo Certo, a Brazilian online debt payment and re-negotiation platform, uses H2O Driverless AI to build and deploy debt scoring models faster. Automatic feature engineering and machine learning interpretability let a small data science team produce scores that retail and banking partners can trust.

Summary written by usedby from the source page, in English. The figures are those of H2O.ai and Acordo Certo, not ours.

> With Driverless AI, Acordo Certo now retires over $10M of consumer debt a month, cut model development time by 70%, and improved model accuracy to nearly 80%.

- **$10M**: “Acordo Certo now retires over $10M of consumer debt a month”
- **80%**: “improved model accuracy to nearly 80%”
- **3.6 million**: “3.6 million Brazilians on the platform.”
- **76%**: “improved the repayment model's accuracy to over 76%”

> We have reduced the time to build and deploy models from about a week to a few days, and improved the repayment model's accuracy to over 76%. This is massive for our team.
>
> André Monteiro, Founder and CTO, Acordo Certo

Source: [h2o.ai](https://h2o.ai/case-studies/acordo-certo-h2o), captured 2026-10-17.

## What usedby checked

We compared the story with its live page on 2026-10-17.

- Checked: the figure 70% is printed word for word on the page, near the name of Acordo Certo.
- Checked: the passage quoted above is copied word for word from the page, near the name of Acordo Certo.
- Checked: Acordo Certo uses H2O.ai. Confirmed line. Latest check across sources: 2026-10-17.
- Not checked: the result itself. We quote it; we did not measure it.

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Source: https://www.usedby.ai/case-studies/acordo-certo-h2o-ai · How we check: https://www.usedby.ai/methodology