The Positive Side of Name Deactivation
The Positive Side of Name Negation: A Necessary Approach to Credit and Society Name negation is the registration of default, i.e. non-payment of a debt. It is done at the request of the creditor...
Turning Receivables into Liquidity: The Future of Credit in Brazil
In April, I had the opportunity to take part in the seminar “The receivables market - a business or credit opportunity for your business”, promoted by ANFAC. The event was a good time to reflect on the future of credit...
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...