Pillars that support credit will be important in the recovery of the economy
Follow on Google News Brazil has had time to get to know the international experiences employed in the most varied sectors, all with the aim of mitigating the effects of the crisis caused by the coronavirus When we turn to credit, we see that the...
The post-Covid-19 economy and credit
Follow on Google News One of the characteristics of the pandemic caused by the new coronavirus, which is that it is at different times in each country, makes it difficult to think globally about how and at what pace economies will react post-Covid-19. Some countries...
The credit market and the challenges imposed by Covid-19 on the world
Follow on Google News One of the challenges arising from the pandemic caused by the new coronavirus is to mitigate its impact on the economy and credit, while respecting health and well-being conditions. Accordingly, the following have already been approved or are in the process of being approved...
Credit market and Covid-19 implications worldwide
Follow on Google News One of the challenges arising from the pandemic caused by the novel coronavirus is to mitigate its impact on the economy and credit market, while respecting health and well-being recommendations. Thus, numerous emergency measures of financial...
Financial education is essential in the face of the economic challenges of the pandemic
Follow on Google News The uncertainties and challenges posed by the novel coronavirus pandemic have disrupted personal finances. Globally, consumers and companies are impacted by the need for social isolation that still persists to a greater or lesser extent, depending on the...
Credit and the pandemic
Follow on Google News Credit and the pandemic: time for negotiation, transparency and data integrity Unprecedented in history, the COVID-19 pandemic has abruptly changed life around the world, creating a new global reality. At the moment...
The new wave of Artificial Intelligence
Follow on Google News Artificial Intelligence (AI) has reverberated as a disruptive phenomenon in our society. In principle, Artificial Intelligence is a combination of data, analysis of that data and computing power that materializes in a system with two essential functions: to present...
Why is the credit rating so relevant to the market?
Follow on Google News Credit is a relationship that involves the lender and the borrower. When it comes to obtaining a loan or financing, who is most likely to be approved? The borrower from whom you have...
Inside the credit note
Follow on Google News One of the main benefits of the new Cadastro Positivo is the strengthening of the credit rating in the Brazilian market. The idea is simple, and the benefits are undeniable. In the same way that we have developed a...
World Economic Forum reinforces importance of new capitalism
Follow on Google News “Better Business” was one of the topics proposed and most debated at this year's edition of the World Economic Forum held in the Swiss city of Davos. This definition of “better business” expands the assessment beyond the degree of competitiveness of...
What will influence the global credit market this year?
Follow on Google News Credit is an economic manifestation of confidence in the future. Therefore, given the complexity we live in today, this confidence in the future is impacted by the forces of evolution in our society, such as economics, politics, technology, business and...
2019 was a year of important changes for the credit market
Follow on Google News December is a month traditionally dedicated to reflection. Looking ahead to 2019 for the credit market, the changes - for the better - are evident. CADASTRO POSITIVO The approval of the new Cadastro Positivo (CP) law,...
ESG is a trend in credit analysis for companies
Follow on Google News Business valuation has evolved and is becoming more comprehensive. Traditionally, strictly financial aspects such as turnover, profit and market share are considered. In a new process, with a more holistic vision, it is beginning to incorporate...
Trends in analytics and their impact
Follow on Google News Last week an international meeting on the state of the art and trends in Analytics - FICO WORLD 2019 - and its impact on society took place in New York City. The event covered the topics of...
Harmful practices jeopardize credit dynamics
Follow on Google News Bureaus are responsible for managing databases in order to bring transparency to the relationship between lender and borrower. This process includes activities such as collecting and storing information, analyzing...
New Positive Registry will boost ESC loans
Follow on Google News With the entry into force of the new Positive Registry (CP), information on the credit operations of individuals and companies is being included in the databases of credit bureaus so that it can be used for...
Small businesses predominate and seek differentiated credit lines
Follow on Google News By 2022, Brazil should have more than 6 million micro and small businesses, according to projections by Sebrae (Brazilian Micro and Small Business Support Service). This figure represents an increase of 50% compared...
Identity fraud claims millions of victims every year
Follow on Google News In the United States last year alone, 14.4 million consumers were victims of identity fraud. Fraudulent operations caused a loss of 14.7 billion dollars. Fortunately, both figures are falling, despite...
Higher salaries don't necessarily lead to financial well-being
Follow on Google News The financial well-being achieved by a person is not linked to how much they earn each month. This was one of the conclusions of the study "The Employer's Guide to Financial Wellbeing 2018-19".
All five regions of Brazil register defaults of at least 30%
Follow on Google News At least three out of every ten Brazilians are in debt. Brazilian regions have a minimum default rate of 30%. According to the World Bank, in a study carried out in 2015, only San Marino, Cyprus and Greece, in that order, had a percentage...
The role of guarantees in reducing interest rates in the credit market
Follow on Google News Between January 2016 and December 2018, the average rate for an unsecured personal loan was 111.2% per year. To arrive at this percentage, the calculation considered the average monthly...
Credit today and in the future
Follow on Google News The credit industry has been evolving, especially in recent years. The development of information technology is making the risk assessment process more accurate. The increasing use of technology reduces the asymmetry of...
The main moments in the history of credit
Follow on Google News Imagine analyzing a period of more than 5,500 years. A look at the relevant events over five and a half millennia. It was precisely this exercise that ANBC (Associação Nacional dos Bureaus de Crédito) set out to...
The new Positive Registry has been approved. What's next?
Follow on Google News As you all know, the new Cadastro Positivo model has been approved. Complementary Law 166/2019, which amended Ordinary Law 12.414 of 2011, was sanctioned by the President of the Republic, Jair Bolsonaro, on April 8....