The Cooperativa Pinoza Ltda. application is a virtual platform that provides members with a comfortable and autonomous financial experience. Through this app, members have the ability to make payments for social commitments and credit installments, both their own and those of other members, in a virtual and self-managed way, without the need to visit the physical branch of the cooperative.One of the main advantages of this application is the possibility of paying bills through the collection service. Members can enter their invoice details in the app and make payments safely and conveniently, without having to deal with traditional paperwork and formalities.In addition, the app allows transfers between internal accounts of the cooperative. This means members can instantly and securely transfer funds between their own accounts and those of other members, providing flexibility and agility in managing their finances.Likewise, the application offers the functionality of transfers to other banking entities. This allows members to send money to accounts at different financial institutions, giving them the convenience of making payments to third parties or transferring funds to family and friends, all from a single platform.