dLocal

How dLocal turned data into a self-service product with AI, governance and engineering discipline.

The Challenge

dLocal processes payments across more than 60 emerging markets for some of the world's largest global merchants. As the company scaled to billions of transactions a year across Latin America, Africa and Asia, the volume, complexity and strategic importance of its data grew with it.

Multiple copies of "truth" for core metrics like transactions, gross profit and conversion rates had created friction across the organisation. A central data team had become a bottleneck for ingestion, transformation and reporting. Quality issues could cascade downstream, and teams ended up solving the same problems again and again.

Inconsistent definitions and fragmented governance were also holding back how quickly dLocal could advance its AI and analytics ambitions. The next stage needed a different operating model for how data was produced, governed and consumed, and new tooling alone would not deliver that.

amarti's expertise enabled dLocal to build a world-class data mesh architecture where governance is automated by design, removing manual friction and maximising data agility, unlocking business value.

Robert Chilvers, VP Data & AI at dLocal

The Vision: Data as a Product

Working with amarti, dLocal designed and built dMesh, a fully governed, AI-ready, self-serve data platform using a data mesh architecture on Databricks. It goes well beyond a technology migration. dMesh rethinks how data is produced, governed and consumed across the business.

The principle behind the new operating model is simple: treat data like a product. Every dataset should be discoverable, trustworthy, self-describing and built for consistent downstream use.

Self-Service Consumption Through Natural Language

dMesh has lowered the bar for using data. Traditional self-service analytics expected people to know SQL, understand table schemas and find their way around complex data models. dMesh flipped that.

Through Databricks Genie, integrated with conversational AI tools like Glean and Claude, anyone at dLocal can ask a question in plain English and get a trusted, governed answer in seconds. A Technical Account Manager can ask "Which Brazil merchants haven't adopted Pix?" and surface cross-sell opportunities straight away. A product manager can validate A/B test results without filing a data request. A finance analyst can pull reconciliation data without waiting on the central team.

The conversational layer sits on a semantic layer and governed metric views, so when someone asks about "conversion rate" or "TPV", they get the same certified definition as everyone else in the organisation.

The result is that the time from question to trusted answer is measured in minutes, not days or weeks.


Self-Service Production Through AI

dMesh makes producing data easier too, through AI-assisted tooling and engineering best practice. Domain teams, the people who actually understand the data, can now produce certified data products using:

  • AI Skills that build the first version of a new data product while cross-checking it against existing ones.
  • A Data Product Factory with templated CLI tooling, so creating a new data product follows a guided, repeatable process instead of a bespoke engineering project.

A domain team member starts a new data product with a single CLI command and fills in a YAML data contract defining its schema, input sources, SLAs, data classification and owners. The platform handles the rest: governance, tagging, access policies and deployment.

AI lowers the barrier further by helping with transformation logic, quality rule generation and metadata enrichment. Domain teams spend their time on business logic rather than infrastructure plumbing.

Everything Defined Through Code

What sets dMesh apart from many data mesh implementations is its commitment to engineering discipline. Every data product is defined, tested and released to the same standards as customer-facing software.

  • Data contracts as code. Every data product carries a machine-readable YAML contract defining its schema, owners, sensitivity classification, retention rules and SLAs, versioned in Git alongside the transformation logic.
  • Asset Bundles for repeatable deployment. Data products are packaged as Databricks Asset Bundles, versioned and testable, and promoted from dev to test to prod through full CI/CD pipelines.
  • Automated quality enforcement. Soda contract checks run automatically and feed a central Data Quality Monitoring Dashboard, so every product is continuously validated for freshness, completeness and schema compliance.
  • Infrastructure as code. The whole platform, including catalogues, schemas, policies, service principals and access controls, is managed through code rather than manual configuration.

A data product built by a payments team follows exactly the same standards, governance and deployment process as one built by compliance or customer experience. Consistency is built into the system instead of being policed through process documents.

Federated Governance: Ownership Where the Expertise Lives

dMesh uses a federated governance model that moves accountability for data to where the expertise actually lives, in the business domains. Rather than funnelling every decision through a central committee, governance is computational and built in by design.

Three roles make this work for every data product:

  • Data Owner: accountable for the data product overall, making sure it solves real business problems and stays high quality. Typically a Head or VP within the domain.
  • Business Data Steward: responsible for the product's definitions, oversight of its delivery pipeline and where its data comes from, keeping its meaning aligned with the business.
  • Technical Data Steward: responsible for implementation, pipelines, contracts and incident response, keeping the product running and evolving.

Governance is part of the platform, so it never becomes a gate:

  • Unity Catalog provides central access control, lineage and audit across all data products.
  • Every asset is automatically tagged for cost and usage attribution by domain.
  • PII and PCI classification, hashing, masking and access policies are applied automatically through the data contract.
  • Security controls are enforced at platform level, so compliance is continuous and auditable and does not slow teams down.

A Data Stewards Working Group meets monthly to resolve cross-domain issues, and a Data Governance Council gives quarterly sign-off and settles conflicts. Day-to-day governance happens automatically through the platform, with no manual gatekeeping.

dRiven: The Cultural Change Programme

A self-service data platform is only half the challenge. The harder half, and the part most data mesh programmes neglect, is changing how people think about data in their daily work. dLocal recognised this from the start and launched dRiven alongside dMesh as a deliberate, structured cultural change programme.

dRiven is a behaviour-change initiative, not a tools course. It builds three capabilities across the organisation: curiosity (asking better questions), critical thinking (testing assumptions and challenging headline numbers) and creativity (looking at data from more than one angle before deciding).

The most sophisticated platform delivers nothing if people don't use it, or use it without the skills to interpret what they find. dLocal's leadership understood that consistent, data-informed decision-making at scale needed a real shift in habits, confidence and expectations.

As dLocal's CEO put it at launch: "We've all seen too many versions of the same number that we can't reconcile. We've spent too much time double and triple checking data instead of using all that time to make the right decisions. Every good decision starts with a question that someone was curious enough to ask."

How dRiven Works in Practice

The programme runs as four progressive modules, delivered as bite-sized content on a microlearning platform and building from foundational awareness to applied analytical thinking:

  • Analytics Savvy: a light-touch introduction to data behaviours for the whole organisation, building awareness without overwhelming non-technical staff.
  • Data Accountable: deeper content on data ownership, governance responsibilities and the feedback loop between data consumers and producers.
  • Analytics Powered: practical skills for using data products and AI-powered analytics in day-to-day decisions.
  • Data Curious: advanced questioning techniques, recognising bias and creative approaches to exploring data.

The curriculum focuses on lasting behavioural skills rather than tool-specific training. Tools change. The ability to ask a sharp question, challenge an assumption and think critically about what the data says does not.


A Phased Rollout With Feedback Built In

dRiven launched with a pilot cohort of around 100 data stewards, domain champions and cultural ambassadors, who tested each module, gave structured feedback and helped refine the content before the company-wide rollout. Starting with a pilot kept the programme grounded in dLocal's real context rather than generic data literacy theory.

The full launch ran across several channels: CEO-endorsed communications, office-based "Launch Labs" with live demos, a dedicated community channel for peer exchange, and video messages from the CFO, CTO, COO and CRO.


Leaders Role-Modelling the Change

Rather than treating data literacy as a bottom-up training exercise, dRiven enlisted senior leaders to role-model data-informed behaviour, endorse the initiative publicly and connect it to their teams' objectives.

Each C-suite leader recorded a personal message tying data capability to concrete outcomes for their function: better forecasting and capital allocation for the CFO, faster diagnosis and prioritisation for the CTO, earlier issue detection and consistent execution for the COO, and sharper commercial decisions and growth for the CRO.


Measuring Behaviour, Not Completions

dRiven tracks engagement depth rather than course completions: how many people are actively asking questions in the platform, sharing insights with peers and applying data habits in their work.

On launch day alone, 106 new users accessed the platform, 96 ran their first query, 40 joined the community channel and 9 shared their results publicly, none of it mandated.

The communications plan moves deliberately from launch awareness to practical relevance to community-led adoption, with regular checkpoints to decide whether more intervention is needed. The goal is a lasting organisational habit as dLocal grows, rather than a one-off training event.

The Results: 80 Certified Data Products in Three Months

The impact of dMesh has been measurable and fast:

  • 80 certified data products live across 15 business domains, spanning payments, compliance, merchant management, operations, commercial, customer experience, data science and more.
  • 680 active users consuming certified data products in the last month, with more than 100 new users on launch day generating nearly 38,000 data access events.

The most-used products show where the value is. Core transaction data products each reached more than 300 unique users within the first month, with merchant and operational products close behind. Hundreds of people use them daily, from account managers to product engineers to compliance analysts.

What This Means for the Industry

The data mesh vision is often criticised as theoretical or impractical. dMesh shows it can be delivered at scale with the right platform, engineering discipline and partner. The key lessons from dLocal's journey:

  • Self-service consumption through AI is real. It is a production capability serving hundreds of users daily, well past the demo stage. Natural language interfaces over governed semantic layers remove the SQL barrier without sacrificing trust.
  • Production can be democratised. Give domain teams templated, code-first tooling with governance built in, and they can produce certified data products without deep platform engineering skills.
  • Engineering discipline is non-negotiable. Data contracts as code, CI/CD for data products and automated quality enforcement are what separate a working data mesh from a collection of ungoverned tables.
  • Federated governance works when it is computational. Ownership, stewardship and compliance belong in the platform by design rather than in committees and policy documents.
  • Adoption follows value. dMesh's user growth came from making data genuinely easier to find, trust and use, without mandating adoption.
  • Cultural change is essential. Technology alone does not change behaviour. A deliberate programme that builds curiosity, critical thinking and data confidence, endorsed by the CEO and C-suite, turns a platform launch into an organisational habit.

About the Partnership

amarti partnered with dLocal to design the dMesh architecture, build the data product factory, establish the federated governance model, accelerate domain onboarding and co-develop the dRiven cultural change programme. The engagement combined deep Databricks platform expertise with practical experience of organisational change, because building a data mesh is as much a cultural transformation as a technical one.

Together, dMesh and dRiven have changed the way dLocal uses data.

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