The global scenario and the credit environment: revising forecasts
At the beginning of the year, I presented the main economic forecasts for the year 2025 in order to outline the outlook for credit. It was clear that it was important to keep a close eye on the external scenario and on the unfolding of the tariff policy promised by the US government...
Central Bank Digital Currencies: The Future of the Financial System
Central bank digital currencies (CBDCs) represent a significant innovation in the financial world. In recent years, many countries, including Brazil, have taken important steps to explore and implement these digital currencies. But what are CBDCs and how...
Credit for small businesses at the G20: challenges and proposals
We recently took stock of the G20 discussions on the financial inclusion of individuals. We highlighted the progress made in bankarization and the challenges that still lie ahead. Under the presidency of Brazil, the G20 Finance Track also...
Informality, development and the financial system
Labor market data recently released by the IBGE show that the unemployment rate fell to 6.2% in the 4th quarter of 2024, reaching the lowest value in the historical series, which began in 2012. Drawing a parallel with the good...
Credit and Legislative Engagement: A New Chapter for Credit in Brazil
Credit is an essential pillar for economic and social development in Brazil and around the world. Promoting debates that involve society and the legislature is one of the ways to guarantee the sustainability of the sector and access to...
Understanding Abusive Litigation and its Effects on the Brazilian Credit Market
The issue of abusive litigation has attracted the attention of judicial bodies and civil society. But what does this term mean? It refers to the improper use of the right to go to court, through the multiplication of lawsuits with...