{"id":15374,"date":"2026-04-09T23:07:36","date_gmt":"2026-04-09T23:07:36","guid":{"rendered":"https:\/\/anbc.org.br\/?p=15374"},"modified":"2026-08-03T23:11:47","modified_gmt":"2026-08-03T23:11:47","slug":"governance-is-the-key-to-ais-credibility-in-the-credit-sector","status":"publish","type":"post","link":"https:\/\/anbc.org.br\/en\/governance-is-the-key-to-ais-credibility-in-the-credit-sector\/","title":{"rendered":"Governance is the key to AI\u2019s credibility in the credit sector"},"content":{"rendered":"

Source: https:\/\/www.biia.com<\/span><\/a><\/p>\n

Artificial intelligence\u00a0has become an\u00a0efficiency lever for the financial ecosystem, capable of transforming days of document analysis into minutes. In the credit bureau sector, we already have proven results involving a\u00a020% reduction in credit and fraud losses and a 66% cut in model development costs.<\/strong><\/p>\n

Experience has shown that the true competitive advantage lies not only in the use of technology, but in its structured planning. A modern and responsible AI deployment must be consolidated in\u00a010 fundamental dimensions: regulation, strategy, technology, data, risk, governance, culture, people, social, and environment<\/strong>.<\/p>\n

It is estimated that, for more consistent and effective results, institutions should adopt the\u00a010-20-70 model: where only 10% of success comes from AI tools and 20% from IT, while a massive 70% depend on people and organizational culture<\/strong>. Without this focus on the human element, organizations risk falling into the \u201cillusion of security\u201d, a term highlighted by\u00a0an IBM study<\/a>,<\/span> demonstrating that although\u00a063% of financial leaders focus on regulatory risks, only 29% believe that these risks are in fact mitigated<\/strong>.<\/p>\n

Effective governance requires that the AI strategy be explicitly aligned with business objectives and direct reporting to the Board. This focus on the human factor helps mitigate underestimated risks, such as the technology competency gap.<\/p>\n

In practice, AI should be seen as an \u201cAugmented Intelligence\u201d, which expands human capacity instead of replacing it. According to\u00a0the World Economic Forum\u2019s \u201cThe Human Advantage\u201d report (2026<\/a>)<\/span>, investments in \u201cBrain Capital\u201d and\u00a0cognitive skills are essential for AI to complement human judgment in critical decisions<\/strong>, which are very common in the financial sector.<\/p>\n

Success also depends on the AI strategy being linked to business objectives, so its main uses have been: in internal tasks, internal processes, external processes and to reinvent the sector.<\/p>\n

Once again, the human dimension is fundamental through the\u00a0human intervention model adopted<\/a>:<\/span>\u00a0Human-in-the-Loop<\/strong>, with mandatory human approval, is ideal for high-impact credit decisions;\u00a0Human-over-the-Loop<\/strong>\u00a0allows autonomous operation with active supervision; and\u00a0Human-out-of-the-Loop<\/strong>, because it is fully automated, poses the greatest risk and requires the strictest governance architecture. This is a simple method that can leverage the result of AI in the\u00a0risk control system in financial services<\/a>.<\/span><\/p>\n

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Fonte: https:\/\/www.biia.com Artificial intelligence\u00a0has become an\u00a0efficiency lever for the financial ecosystem, capable of transforming days of document analysis into minutes. In the credit bureau sector, we already have proven results involving a\u00a020% reduction in credit and fraud losses and a…<\/p>","protected":false},"author":1,"featured_media":15376,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Governance is the key to AI\u2019s credibility in the credit sector","_seopress_titles_desc":"Artificial intelligence\u00a0has become an\u00a0efficiency lever for the financial ecosystem, capable of transforming days of document analysis into minutes","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"ai credibility","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[{"url":"","title":"","desc":"","thumbnail":"","duration":"","rating":"","view_count":"","tag":""}],"_seopress_pro_schemas_manual":[{"_seopress_pro_rich_snippets_type":"articles","_seopress_pro_rich_snippets_article_type":"Article","_seopress_pro_rich_snippets_article_title":"Governance is the key to AI\u2019s credibility in the credit sector","_seopress_pro_rich_snippets_article_desc":"Artificial intelligence\u00a0has become an\u00a0efficiency lever for the financial ecosystem, capable of transforming days of document analysis into minutes","_seopress_pro_rich_snippets_article_author":"ANBC","_seopress_pro_rich_snippets_article_img":"https:\/\/anbc.org.br\/wp-content\/uploads\/2026\/08\/AIs-credibility.jpg","_seopress_pro_rich_snippets_article_img_width":"1032","_seopress_pro_rich_snippets_article_img_height":"599","_seopress_pro_rich_snippets_article_coverage_start_date":"2026-04-09","_seopress_pro_rich_snippets_article_coverage_start_time":"23:07","_seopress_pro_rich_snippets_article_coverage_end_date":"","_seopress_pro_rich_snippets_article_coverage_end_time":"","_seopress_pro_rich_snippets_article_speakable_css_selector":"","_seopress_pro_rich_snippets_article_img_attachment_id":"15376"}],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[1],"tags":[795,796],"class_list":["post-15374","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-buy-now","tag-pay-later","blog-post"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/15374","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/comments?post=15374"}],"version-history":[{"count":1,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/15374\/revisions"}],"predecessor-version":[{"id":15377,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/15374\/revisions\/15377"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media\/15376"}],"wp:attachment":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media?parent=15374"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/categories?post=15374"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/tags?post=15374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}