{"id":5960,"date":"2025-11-12T17:41:29","date_gmt":"2025-11-12T17:41:29","guid":{"rendered":"https:\/\/anbc.org.br\/?p=5960"},"modified":"2025-12-19T17:49:46","modified_gmt":"2025-12-19T17:49:46","slug":"inteligencia-artificial-ja-transforma-o-credito-no-brasil","status":"publish","type":"post","link":"https:\/\/anbc.org.br\/en\/inteligencia-artificial-ja-transforma-o-credito-no-brasil\/","title":{"rendered":"Artificial Intelligence is already transforming credit in Brazil, says ANBC"},"content":{"rendered":"

Source: https:\/\/tiinside.com.br\/<\/a><\/span><\/p>\n

A Intelig\u00eancia Artificial (IA) j\u00e1 \u00e9 uma realidade consolidada no mercado de cr\u00e9dito brasileiro e vem mudando a forma como empresas e consumidores se relacionam com o sistema financeiro. Segundo a ANBC, a tecnologia, que come\u00e7ou a ser aplicada no setor h\u00e1 mais de 20 anos com o uso de machine learning, agora avan\u00e7a com a chegada da IA generativa e amplia as possibilidades de an\u00e1lise, efici\u00eancia e inclus\u00e3o financeira.<\/p>\n

De acordo com a ANBC, a aplica\u00e7\u00e3o de IA tem gerado resultados concretos, como redu\u00e7\u00e3o de custos operacionais, aumento da precis\u00e3o das an\u00e1lises, melhoria na experi\u00eancia do consumidor e expans\u00e3o do acesso ao cr\u00e9dito de forma respons\u00e1vel. “Hoje, a IA \u00e9 uma aliada estrat\u00e9gica. Ela ajuda as empresas a reduzirem custos, aumentar a precis\u00e3o nas an\u00e1lises e oferecer uma melhor experi\u00eancia para o consumidor, tudo isso com responsabilidade e seguran\u00e7a”, afirma Elias Sfeir<\/em>, presidente executivo da ANBC.<\/p>\n

In Brazilian credit bureaus, AI is already being used in processes such as instantly updating credit scores, detecting fraud in real time and automating statistical models. Automation, according to the organization, can reduce costs by up to 66% and speed up the development of models that used to take weeks to complete (today they are completed in a few days). In one of the companies in the sector, more than 70% of the new models created in 2023 incorporated machine learning and deep learning, which increased the speed of data processing by 20 times and ensured more security and agility in decisions.<\/p>\n

Outro avan\u00e7o importante \u00e9 a baixa instant\u00e2nea de negativa\u00e7\u00e3o, que permite atualizar o score de cr\u00e9dito em segundos. “Isso muda estruturalmente o mercado, porque o consumidor que pagar sua d\u00edvida volta a ter acesso ao cr\u00e9dito quase em tempo real”, explica Elias<\/em>. In addition, the inclusion of data from electricity bills, telephone bills and social programs in predictive models has helped to reduce defaults by up to 15%, without affecting approval levels.<\/p>\n

ANBC also points out that the use of advanced analytical platforms has made it possible to triple the production of analytical models and reduce development time from three or four weeks to just a few days, with an increase of up to eight points in the KS index, which measures the predictive quality of the analyses. There are also solutions capable of analyzing up to 24 months of account history, evaluating amounts paid and consumption behavior, which makes credit decisions more precise and personalized.<\/p>\n

Segundo Sfeir, a governan\u00e7a da IA nos bir\u00f4s \u00e9 guiada por princ\u00edpios \u00e9ticos e pr\u00e1ticas rigorosas de seguran\u00e7a. “A inova\u00e7\u00e3o precisa andar junto com a responsabilidade. Temos sistemas monitorados, transparentes e comprometidos com o uso \u00e9tico dos dados, o que contribui para uma inclus\u00e3o financeira sustent\u00e1vel”<\/em>, afirma o executivo.<\/p>\n

As technology advances, so does the debate on AI regulation. ANBC actively participates in national and international discussions and advocates balanced regulation that encourages innovation and maintains consumer protection. The topic has been on the agenda at international events discussing the ethical and responsible use of technology, reinforcing Brazil's role as an active participant in this global dialog. The organization proposes differentiating high-risk systems from traditional credit models, avoiding exaggerated interpretations of discrimination and maintaining alignment with the General Data Protection Law (LGPD).<\/p>\n

Para Sfeir, o caminho est\u00e1 na combina\u00e7\u00e3o entre tecnologia e humanidade. “A Intelig\u00eancia Artificial deve ser vista como uma Intelig\u00eancia Expandida, uma ferramenta que amplia as capacidades humanas e institucionais, desde que usada com \u00e9tica, transpar\u00eancia e responsabilidade”, finaliza o executivo<\/em>.<\/p>\n

 <\/p>\n

Read more<\/h3>\n

Credit indicators point to a positive and sustainable cycle in the South<\/span><\/a><\/p>\n

How the 13th can improve your credit<\/span><\/a><\/p>","protected":false},"excerpt":{"rendered":"

Fonte: https:\/\/tiinside.com.br\/ A Intelig\u00eancia Artificial (IA) j\u00e1 \u00e9 uma realidade consolidada no mercado de cr\u00e9dito brasileiro e vem mudando a forma como empresas e consumidores se relacionam com o sistema financeiro. Segundo a ANBC, a tecnologia, que come\u00e7ou a ser…<\/p>","protected":false},"author":1,"featured_media":5961,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Intelig\u00eancia Artificial j\u00e1 transforma o cr\u00e9dito no Brasil, aponta ANBC","_seopress_titles_desc":"Hoje, a IA \u00e9 uma aliada estrat\u00e9gica. Ela ajuda as empresas a reduzirem custos, aumentar a precis\u00e3o nas an\u00e1lises e oferecer uma melhor experi\u00eancia para o consumidor","_seopress_robots_index":"","pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[1],"tags":[135],"class_list":["post-5960","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-inteligencia-artificial","blog-post"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/5960","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=5960"}],"version-history":[{"count":1,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/5960\/revisions"}],"predecessor-version":[{"id":5962,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/5960\/revisions\/5962"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media\/5961"}],"wp:attachment":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media?parent=5960"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/categories?post=5960"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/tags?post=5960"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}