{"id":2042,"date":"2018-08-17T23:35:04","date_gmt":"2018-08-17T23:35:04","guid":{"rendered":"http:\/\/anbc.org.br\/?p=2042"},"modified":"2024-02-27T23:42:30","modified_gmt":"2024-02-27T23:42:30","slug":"the-importance-of-digital-for-credit-recovery","status":"publish","type":"post","link":"https:\/\/anbc.org.br\/en\/a-importancia-do-digital-para-a-recuperacao-do-credito\/","title":{"rendered":"The importance of digital for credit recovery"},"content":{"rendered":"

Follow on Google News\"\"<\/a><\/p>\r\n

Todo mundo j\u00e1 percebeu que o digital est\u00e1 causando mudan\u00e7as radicais nos processos adotados pelas empresas. A relev\u00e2ncia crescente do digital n\u00e3o \u00e9 novidade para os empres\u00e1rios. Os h\u00e1bitos dos consumidores foram alterados e continuam sendo modificados pela transforma\u00e7\u00e3o digital. Quanto mais jovem o consumidor, mais natural para ele realizar compras e transa\u00e7\u00f5es eletr\u00f4nicas, principalmente por meio do smartphone. Essa nova realidade tecnol\u00f3gica que atinge o mercado tem levado as empresas<\/a> a uma revis\u00e3o de processos. O objetivo n\u00e3o \u00e9 apenas agilizar a compra, mas tamb\u00e9m facilitar a cobran\u00e7a por meio de novas ferramentas digitais de localiza\u00e7\u00e3o dos devedores.<\/p>\r\n

Tive a oportunidade de mediar o debate sobre a import\u00e2ncia do meio digital na recupera\u00e7\u00e3o do cr\u00e9dito durante o Semin\u00e1rio Cr\u00e9dito Digital, realizado nesta semana em S\u00e3o Paulo<\/a>. No debate, representantes de grandes organiza\u00e7\u00f5es explicaram como cada uma dessas empresas est\u00e1 tratando esse importante assunto.<\/p>\r\n

C\u00e9lio Lopes<\/a>, diretor de Servi\u00e7os Financeiros, Celulares e Canais de Atendimento das Lojas Marisa, lembrou que \u00e9 preciso entender qual o melhor canal para o cliente, e que, para essa transforma\u00e7\u00e3o, \u00e9 preciso trabalhar primeiro o mindset da organiza\u00e7\u00e3o, envolvendo inclusive os setores jur\u00eddico e de recursos humanos. \u00c9 uma transforma\u00e7\u00e3o que precisa vir de dentro para fora, porque tem empresa que contrata a plataforma para acionar os clientes<\/a>, mas n\u00e3o deixa o funcion\u00e1rio entrar no WhatsApp.<\/p>\r\n

Another aspect of this transformation,\u00a0Marlon Brando Silva<\/a>, The executive manager of Internal and External Collections at Claro said that the key to success for this project is to create alternative channels to facilitate and expand communication with debtors. And how to locate these debtors? One example he cited was social networks, especially Facebook, with attractive approach strategies for regularization. He also mentioned the challenge of mapping debtors' preferred contact channels and using this information intelligently for future contacts. This kind of openness strengthens the customer's experience with the service, as well as increasing performance with cost efficiency, he concluded.<\/p>\r\n

Completing this aspect of the consumer experience,\u00a0John Sato<\/a>, CRO do Tribanco,\u00a0acrescentou que na abordagem digital o consumidor passa a procurar ativamente resolver a situa\u00e7\u00e3o, ao inv\u00e9s de ser fortemente procurado. Essa mudan\u00e7a de abordagem (procurar ao inv\u00e9s de ser procurado) aumenta muito o cumprimento dos pagamentos e diminui sobremaneira a fric\u00e7\u00e3o com o consumidor<\/a>. Isto significa o empoderamento do consumidor.<\/p>\r\n

The debate, which was also attended by F\u00e1tima Oliveira, Commercial and Product Director at Liq, from\u00a0Luiz Gustavo Gava<\/a>, In his speech at the meeting of the Superintendent of Recovery Strategies - Legal Entity Segment at Banco Santander, the participants highlighted two trends.<\/p>\r\n

One is to do business after midnight because during the day you work and don't have time. And the second concerns fintechs, which are rapidly taking on an increasingly important role in this scenario.\u00a0digital billing<\/strong>. Fintechs, in fact, were born with this DNA. They were created in this environment and operate in it with skill. They are therefore ahead of the banks, which have only recently begun to use digital more forcefully in terms of innovation.<\/p>\r\n

 <\/p>\r\n

Thanks for reading! Access other content at\u00a0ANBC website<\/a>.<\/h4>\r\n

 <\/p>\r\n

\"elias<\/h3>\r\n

 <\/p>\r\n

President of ANBC - National Association of Credit Bureaus. Representative of Latin America in the World Bank Credit Committee. He also represents Brazil and Latin America in credit organisations accross the world, such as ACCIS, BIIA and ALACRED.<\/h6>\r\n

 <\/p>\r\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Follow on Google News Everyone has noticed that digital is causing radical changes in the processes adopted by companies. The growing relevance of digital is nothing new to entrepreneurs. Consumer habits have changed and continue to be...<\/p>","protected":false},"author":1,"featured_media":2044,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"A import\u00e2ncia do digital para a recupera\u00e7\u00e3o do cr\u00e9dito","_seopress_titles_desc":"A import\u00e2ncia do digital para a recupera\u00e7\u00e3o do cr\u00e9dito","_seopress_robots_index":"","_seopress_analysis_target_kw":"recupera\u00e7\u00e3o do cr\u00e9dito","pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[46],"tags":[234,235],"class_list":["post-2042","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-cobranca-digital","tag-recuperacao-do-credito","blog-post"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2042","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=2042"}],"version-history":[{"count":2,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2042\/revisions"}],"predecessor-version":[{"id":11661,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2042\/revisions\/11661"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media\/2044"}],"wp:attachment":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media?parent=2042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/categories?post=2042"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/tags?post=2042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}