--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Módulo Consignado" developer_entity: "Neoconsig Tecnologia S/A" bundle_id: "com.modulo.consignado" app_store_id: "1594922753" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2021-12-01" report_date: "2026-09-13" last_verified: "2026-09-13T00:00:00.000Z" report_version: "1.1" total_reviews: 0 confidence: "low" confidence_score: 0.2 data_age_days: 18 momentum_velocity: "zombie" intelligence_version: 2 tags: ["finance", "free", "mobile app", "app review", "app analysis", "public", "servants", "seeking"] canonical_url: "https://marlvel.ai/apps/modulo-consignado" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Módulo Consignado Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free > **TL;DR:** Módulo Consignado is a finance app by Neoconsig Tecnologia S/A, available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Módulo Consignado is a finance app by Neoconsig Tecnologia S/A. ## Quick Facts | Fact | Value | | :--- | :--- | | **Category** | Finance | | **Developer** | Neoconsig Tecnologia S/A | | **Pricing** | Free | | **Platforms** | iOS | | **Confidence** | Low (0.2/1.0) | | **Data Age** | 18d | ## Metadata & Market Performance - **Publisher:** Neoconsig Tecnologia S/A - **Category:** Finance - **Target Audience:** Public servants seeking to manage payroll-deductible loans and access exclusive financial benefits. - **Platforms:** iOS - **Version Reviewed:** 1.1 - **Report Date:** 2026-09-13 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.2/1.0) - **App Store ID (iOS):** 1594922753 - **Bundle ID:** com.modulo.consignado - **Data Window:** Analysis based on signals collected up to 2026-09-13 ## Executive Snapshot **What it is:** Módulo Consignado is a financial utility for public servants to manage payroll-deductible loans and access discount offers on iOS. **Why users hire it:** The app removes the friction of visiting multiple bank branches by centralizing margin calculations and loan proposal requests in one interface. ## App DNA (Features & Intent) - **[Standard] Consignment Margin Calculator:** Calculates payroll deduction margin for public servants; core utility for loan origination. - **[Differentiator] Loan Proposal Simulation:** Requests credit proposals from partner institutions; generates lead flow for B2B partners. * *User Intent:* Users seek enhanced value through premium features. - **[Differentiator] Clube de Descontos Use Mais:** Integrated discount club; increases app utility beyond financial management. * *User Intent:* Users expect intelligent, adaptive experiences that learn from their behavior. ## Market Position {#market-position} Módulo Consignado occupies a niche utility space for public servants, relying on B2B partnerships rather than direct consumer monetization. The lack of updates since 2021 signals a maintenance-only posture that limits its ability to compete with modern, actively updated financial tools. ## Monetization Strategy - **Model:** Free - **Tiers:** Free to download and use - **Analysis:** The app acts as a free utility to drive lead generation for B2B financial partners. ## SWOT Analysis {#swot} **Core Strengths:** - Integrated discount club increases utility beyond loan management - B2B partnerships enable direct loan proposal simulation **Growth Levers:** - Expansion of discount club network to drive engagement ## What's New - **Latest (v1.1, 4 years ago):** Applied layout refinements and general bug fixes. ## App Momentum (Zombie) {#momentum} - No major updates since 2021 - Dormant development cycle > **Cadence:** 1 total versions · 0 majors in last 6 months · 1747 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} Módulo Consignado is a finance app that is completely free. > **Bottom Line:** Módulo Consignado rests on its B2B utility to retain users, but the four-year development freeze leaves the product vulnerable to modern, active financial platforms. Prioritizing a technical audit is necessary to prevent total user attrition. **Best for:** Public servants seeking to manage payroll-deductible loans and access exclusive financial benefits. ### PM Action Plan (Next Best Moves) - [ ] [MAINTAIN] Audit technical stability because the app has not shipped a release in four years → reduce crash risk ### Outlook: Declining The financial utility market is consolidating around platforms with frequent, security-focused updates. Módulo Consignado's stagnant posture leaves it exposed to newer entrants, and the lack of recent activity suggests the product is no longer a priority for the developer. - 🔴 The four-year development gap indicates a lack of investment, which will likely lead to increased churn as mobile OS standards evolve. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Total Reviews | 0 | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS | | Key Features | 3 analyzed | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Módulo Consignado** (this app) | N/A/5 | N/A | Neoconsig Tecnologia S/A | | [Polymarket: Trade Live Sports](https://marlvel.ai/apps/polymarket) | 4.6/5 | n/a | Polymarket | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.5/5 | n/a | Atlas Reality, Inc. | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.4/5 | n/a | Fidelity Investments | | [Kalshi: Trade Football & more](https://marlvel.ai/apps/kalshi-trade-news-sports) | 4.8/5 | n/a | KalshiEX LLC | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.6/5 | n/a | Webull Technologies Pte. Ltd. | ## Company Profile - **Developer:** Neoconsig Tecnologia S/A - **Website:** [https://usemaisstore.com.br/site/termo-de-uso](https://usemaisstore.com.br/site/termo-de-uso) ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/m%C3%B3dulo-consignado/id1594922753?uo=4) - **Dev Site:** [Official Website](https://usemaisstore.com.br/site/termo-de-uso) - **Sources:** Developer website content, App store metadata. ## Related Intel Reports - [*Polymarket: Trade Live Sports*](https://marlvel.ai/apps/polymarket) (Polymarket) · 4.6/5 Rating - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.5/5 Rating - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) · 4.4/5 Rating - [*Kalshi: Trade Football & more*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) · 4.8/5 Rating - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. 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Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.2/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** developer website, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 18 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/modulo-consignado) Data licensed for AI Agent attribution under CC-BY-NC 4.0.