Credit and micro and small businesses
Follow on Google News Micro and small businesses are an important force in the economy. Often, their creators commit their entire life savings to opening the business of their dreams - a store, a gym, a small factory. With their personal fulfillment,...
Credit bureaus and their importance in managing credit recovery
Follow on Google News Credit bureaus Many consumers identify the work of credit bureaus with negativity. Registering defaults is indeed an important task, but the work of companies in the sector goes beyond that. The bureaus have been offering...
Credit in 2021
Follow on Google News Blog Fausto Macedo - Estadão It is indisputable that the performance of the credit market in 2020 was one of the main instruments used to prevent the Brazilian economy from falling further in the face of the pandemic - and at the same time...
The culture of credit
Follow on Google News In Latin American countries, the culture of paying in installments is a striking feature. In Brazil, data from the credit bureau sector showed that, in 2019, 64% of the population had the habit of paying for purchases in installments. A survey carried out in...
What to expect from the ANPD
Follow on Google News The approval of the General Personal Data Protection Law (LGPD) was a major step forward for legal certainty and the country's economic, technological and social development. It is worth noting that the law contains numerous provisions that call for...
Technostructural and economic lessons from the pandemic
Follow on Google News To close this year, I've scheduled two articles that address the lessons left by the pandemic. In the first, I emphasized the lessons related mainly to psychosocial aspects. In this one, I focus more on the technostructural and economic aspects of the crisis, remembering...
Lessons from the pandemic in its psychosocial aspects
Follow on Google News The Covid-19 pandemic has caused a turnaround on the global stage, radically affecting the lives of people, organizations and countries, leaving a trail of concerns in the brightest minds, but also providing countless lessons. We know that civilization evolves...
What to expect for credit in 2021
Follow on Google News While in the 2015-2016 crisis the credit channel was dammed, in the current crisis this channel has widened. This has been possible because the two crises are different in nature: in the first case, the difficulties were built up slowly within...
Outlook for 2021: the economic scenario
Follow on Google News The 2020 pandemic is making its way into 2021. In some countries, the second wave is already underway. The lessons learned over the last few months have made it possible to relax restrictive measures, but without immunizing a portion of...
LGPD-Finality
Follow on Google News LGPD-Finality, suitability and necessity in the context of credit bureaus Since the LGPD (General Personal Data Protection Law) came into force, the credit bureau sector has developed numerous initiatives to show how...
Financial education week
Follow on Google News We've dealt here with numerous measures aimed at improving the credit market and means of payment. We are living in times of great change, including in the discipline of credit and capital markets. An important part of this transformation...
The big warning for the coming months: the risk of default
Follow on Google News In the aftermath of the 2015-2016 crisis, the number of Brazilians in default has surpassed the unprecedented mark of 60 million, according to studies carried out by the credit bureau sector. Negative credit is just the manifestation of a symptom: it indicates...
What to expect from the National Data Protection Authority
Follow on Google News Sectors that handle large volumes of data should participate in the structuring of the ANPD The recent approval by the Federal Senate of the members of the board of the National Data Protection Authority (ANPD) appointed by the Presidency of the Republic...
Credit bureaus pay attention to information security
Follow on Google News Sectors of economic activity that process large volumes of data need to pay maximum attention to information security. For credit protection service companies, high and growing investments in information security make...
Credit protection services with the LGPD
Follow on Google News The credit bureau sector already works in compliance with all the principles of article six of the LGPD The principles laid down in the General Law on the Protection of Personal Data (LGPD) for the processing of data...
The LGPD applied to the credit protection services market
Follow on Google News Before the data protection law, credit bureaus already followed practices in line with its principles The digital economy around the world - and here too - is expanding as the number of...
Data quality, one of the principles of the LGPD
Follow on Google News Data is one of today's main assets. Indispensable to business planning and to people's lives in society, its importance has led to the emergence of legislation around the world to protect and...
The financial big bang: a few more steps on the agenda
Follow on Google News The launch of PIX was a success. At the beginning of October, banks started receiving registrations from customers interested in using the service. According to the Central Bank, in just three days, more than 16...
LGPD principles applied to the credit market
Follow on Google News Credit protection service databases around the world were created to process personal and company data. Because of this purpose, in harmony with the principles of the Brazilian Code of...
A snapshot of credit in recent months
Follow on Google News At the beginning of the pandemic, we detailed the measures taken by the government and the monetary authority to guarantee access to credit. The figures released so far show that these measures worked during the second quarter and the first few months...
Debanking, informality and credit
Follow on Google News In the last article, we covered the latest in credit and financial services. We saw that a growing number of consumers have access to virtual accounts, instant payments, investment platforms and other...
Credit is "tech": the implications of digitalization
Follow on Google News When it comes to ordering a ride, making a reservation, ordering food, listening to music or reading the news, you probably do it differently than you did a few years ago. All this has become more...
Economic measures for the crossing
Follow on Google News Countries are experiencing different stages of contagion from the new coronavirus and are using different measures to control the spread of the disease. No one can yet offer a ready and definitive answer, if there is one, on how to deal...
Why it is urgent to approve Bill 3.515, which deals with over-indebtedness
Follow on Google News Little by little, the country is realizing the extent of the impact of the health crisis on the economy. Since the beginning of the pandemic, millions of jobs have been lost and thousands of companies have been damaged and even...