{"id":855,"date":"2024-01-31T10:47:52","date_gmt":"2024-01-31T10:47:52","guid":{"rendered":"https:\/\/www.provenir.com\/portuguese\/?p=855"},"modified":"2026-04-01T07:56:57","modified_gmt":"2026-04-01T07:56:57","slug":"pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude","status":"publish","type":"post","link":"https:\/\/www.provenir.com\/pt\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\/","title":{"rendered":"Em meio \u00e0 inadimpl\u00eancia em alta, 86% dos executivos brasileiros de servi\u00e7os financeiros n\u00e3o t\u00eam total confian\u00e7a na capacidade de mudar rapidamente suas decis\u00f5es de risco"},"content":{"rendered":"<h1>Em meio \u00e0 inadimpl\u00eancia em alta, 86% dos executivos brasileiros de servi\u00e7os financeiros n\u00e3o t\u00eam total confian\u00e7a na capacidade de mudar rapidamente suas decis\u00f5es de risco<\/h1>\n<ul>\n<li>\n<\/li>\n<li>\n<\/li>\n<\/ul>\n<div>\n<p>Conclus\u00e3o faz parte da Pesquisa sobre Decis\u00e3o de Risco LATAM 2024 da Provenir; estudo aponta que apenas 9% das institui\u00e7\u00f5es financeiras acreditam em suas medidas antifraude<\/p>\n<p>S\u00e3o Paulo, 31 de janeiro de 2024: Em um cen\u00e1rio marcado pelas altas taxas de inadimpl\u00eancia combinadas \u00e0s complexidades do ambiente econ\u00f4mico, apenas 14% dos executivos brasileiros do setor de servi\u00e7os financeiros t\u00eam total confian\u00e7a na capacidade de suas empresas alterarem rapidamente as decis\u00f5es de risco de cr\u00e9dito. A conclus\u00e3o faz parte da Pesquisa sobre Decis\u00e3o de Risco LATAM 2024, conduzida pela Provenir, especializada em tecnologia para tomada de decis\u00e3o no setor financeiro. \u00a0<\/p>\n<p>\u201cO resultado obtido entre as empresas brasileiras reflete o cen\u00e1rio atual do pa\u00eds, onde mais de 71 milh\u00f5es de pessoas est\u00e3o inadimplentes e cerca de 77% das fam\u00edlias se dizem endividadas\u201d, analisa Patr\u00edcia Matheus, Head de Vendas no Brasil da Provenir.<\/p>\n<p>\u201cAinda que esses \u00edndices venham registrando queda, eles indicam que as institui\u00e7\u00f5es financeiras tendem a buscar solu\u00e7\u00f5es capazes de gerenciar de forma inteligente seus processos de an\u00e1lise de risco de cr\u00e9dito para que possam seguir concedendo cr\u00e9dito com seguran\u00e7a para consumidores e empresas. Trata-se de uma medida urgente e estrat\u00e9gica\u201d, completa a executiva.<\/p>\n<p>O estudo detectou ainda que a gest\u00e3o de riscos ao longo da jornada do cliente \u00e9 o principal desafio que as empresas provedoras de servi\u00e7os financeiros e as fintechs brasileiras devem enfrentar neste ano &#8211; 57% dos ouvidos no pa\u00eds apontaram a iniciativa como maior obst\u00e1culo em seus processos de decis\u00e3o de risco. O \u00edndice do Brasil supera o global e o da Am\u00e9rica Latina, ambos em 49%.<\/p>\n<p>Em linha com o que ocorre nos demais pa\u00edses, o estudo da Provenir revelou tamb\u00e9m que a identifica\u00e7\u00e3o de fraudes se destaca como o segundo desafio mais importante entre as empresas brasileiras do setor, citado por 48% dos respondentes, enquanto que reconhecer oportunidades de aperfei\u00e7oamento de efici\u00eancia e desempenho aparece em terceiro lugar, com 43%.<\/p>\n<p>A preocupa\u00e7\u00e3o com a identifica\u00e7\u00e3o de fraudes, no entanto, parece n\u00e3o se desdobrar em a\u00e7\u00f5es para fazer frente \u00e0 pr\u00e1tica. O levantamento revela que apenas 9% das institui\u00e7\u00f5es financeiras do pa\u00eds consideram suas medidas antifraude completamente eficazes &#8211; conclus\u00e3o preocupante diante do volume de golpes financeiros no pa\u00eds. <a href=\"https:\/\/www.transunion.com\/content\/dam\/transunion\/global\/business\/documents\/RTL-23-F150961-ConsumerPulse-Q4-23-INF-EN-US.pdf\">Segundo<\/a> <a href=\"https:\/\/www.transunion.com\/content\/dam\/transunion\/global\/business\/documents\/RTL-23-F150961-ConsumerPulse-Q4-23-INF-EN-US.pdf\">estudo da TransUnion<\/a>, quase 30% dos brasileiros ouvidos foram alvo de tentativas de fraudes entre junho e outubro de 2023, sendo que a maior parte delas\u00a0 ocorreram via smishing, o phishing via mensagens de texto.<\/p>\n<p>\u201cA evolu\u00e7\u00e3o dos servi\u00e7os ofertados pelos provedores de servi\u00e7os financeiros\u00a0 e as crescentes\u00a0 demandas do mercado criaram um cen\u00e1rio \u00fanico de disrup\u00e7\u00e3o, caracterizado por um enorme volume de dados em circula\u00e7\u00e3o, o que automaticamente aumenta as possibilidades de fraude. Nesse contexto, muitas empresas t\u00eam apostado em plataforma de decis\u00e3o baseada em Intelig\u00eancia Artificial para fazer a verifica\u00e7\u00e3o de identidades com rapidez e precis\u00e3o para detectar em tempo real qualquer ocorr\u00eancia\u201d, pontua Patr\u00edcia.<\/p>\n<p>A Provenir entrevistou mais de 150 tomadores de decis\u00e3o em provedores de servi\u00e7os financeiros e fintechs na Am\u00e9rica Latina e no Brasil em dezembro de 2023 para compreender seus desafios de tomada de decis\u00f5es de risco, prioridades de gest\u00e3o de clientes e confian\u00e7a na precis\u00e3o e flexibilidade de seus modelos de risco. A edi\u00e7\u00e3o LATAM da pesquisa est\u00e1 dispon\u00edvel <a href=\"https:\/\/provenir.com\/portuguese\/pesquisa-sobre-decisao-de-risco-latam-2024\/\">aqui.<\/a><\/p>\n<\/div>\n<h3>Transforme os desafios da tomada de decis\u00e3o de risco de cr\u00e9dito em oportunidades.<\/h3>\n<p><p>\n        <a href=\"https:\/\/provenir.com\/pt\/infografico-transforme-os-desafios-da-tomada-de-decisao-de-risco-de-credito-em-oportunidades\/\">Acesse o Infogr\u00e1fico<\/a>\n    <\/p>\n<\/p>\n<h4>Blogs mais recentes<\/h4>\n<div>\n<div class=\"pt-cv-wrapper\"><div class=\"pt-cv-view pt-cv-grid pt-cv-colsys cveffect-zoomin pt-cv-pgregular pt-cv-round-btn\" id=\"pt-cv-view-0d017e0dk8\"><div data-id=\"pt-cv-page-1\" class=\"pt-cv-page\" data-cvc=\"4\"><div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"1785\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/pt\/serie-mito-da-hiperpersonalizacao-2\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/www.provenir.com\/pt\/wp-content\/uploads\/sites\/9\/2026\/03\/Hyper-Personlization-2-PT.png\" class=\"pt-cv-thumbnail img-rounded\" alt=\"S\u00e9rie Mito da Hiperpersonaliza\u00e7\u00e3o #2\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/pt\/serie-mito-da-hiperpersonalizacao-2\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">S\u00e9rie Mito da Hiperpersonaliza\u00e7\u00e3o #2<\/a><\/h4>\n<div class=\"pt-cv-content\">S\u00e9rie Mito da Hiperpersonaliza\u00e7\u00e3o #2:A Armadilha do Scorecard: Como os Modelos Tradicionais Est\u00e3o Deixando Dinheiro ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/pt\/serie-mito-da-hiperpersonalizacao-2\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Confira<\/a><\/div><\/div><\/div><\/div>\n<div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"1590\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/pt\/serie-o-mito-da-hiperpersonalizacao-1\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"628\" src=\"https:\/\/www.provenir.com\/pt\/wp-content\/uploads\/sites\/9\/2026\/02\/260213-BLOG-Hyper-personalization-Myth1-FeatureIMG-GL_PTBR-49701.jpg\" class=\"pt-cv-thumbnail img-rounded\" alt=\"Hyper-personalization\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/pt\/serie-o-mito-da-hiperpersonalizacao-1\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">S\u00e9rie O Mito da Hiperpersonaliza\u00e7\u00e3o #1<\/a><\/h4>\n<div class=\"pt-cv-content\">S\u00e9rie O Mito da Hiperpersonaliza\u00e7\u00e3o #1:Por que os Bancos Pensam que Fazem Hiperpersonaliza\u00e7\u00e3o (Mas N\u00e3o ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/pt\/serie-o-mito-da-hiperpersonalizacao-1\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Confira<\/a><\/div><\/div><\/div><\/div>\n<div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"1569\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/pt\/alem-das-regras-estaticas\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><img loading=\"lazy\" decoding=\"async\" width=\"1800\" height=\"942\" src=\"https:\/\/www.provenir.com\/pt\/wp-content\/uploads\/sites\/9\/2026\/02\/250922-BLOG-AI-Campaign-social-tile04-1200x628-GL_PTBR-46776.jpg\" class=\"pt-cv-thumbnail img-rounded\" alt=\"Al\u00e9m das Regras Est\u00e1ticas\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/pt\/alem-das-regras-estaticas\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Al\u00e9m das Regras Est\u00e1ticas<\/a><\/h4>\n<div class=\"pt-cv-content\">Al\u00e9m das Regras Est\u00e1ticas:Como os Sistemas de Aprendizado Aprimoram a Tomada De Decis\u00f5es em Servi\u00e7os ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/pt\/alem-das-regras-estaticas\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Confira<\/a><\/div><\/div><\/div><\/div>\n<div class=\"col-md-3 col-sm-4 col-xs-12 pt-cv-content-item pt-cv-1-col\"  data-pid=\"1510\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/pt\/de-modelo-isolado-a-ecossistema-de-ia-empresarial-por-que-a-maioria-das-iniciativas-de-ia-em-servicos-financeiros-nao-consegue-escalar\/\" class=\"_self pt-cv-href-thumbnail pt-cv-thumb-default pt-cv-thumb-wrapper cvplbd cvp-responsive-image img-rounded\" target=\"_self\" data-iw=\"200\" data-ih=\"100\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"419\" src=\"https:\/\/www.provenir.com\/pt\/wp-content\/uploads\/sites\/9\/2026\/01\/260120-BLOG-AI-Campaign-social-tile-1200x628-GL_PTBR-49325.jpg\" class=\"pt-cv-thumbnail img-rounded\" alt=\"De Modelo Isolado a Ecossistema de IA Empresarial: Por que a Maioria das Iniciativas de IA em Servi\u00e7os Financeiros N\u00e3o Consegue Escalar\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/pt\/de-modelo-isolado-a-ecossistema-de-ia-empresarial-por-que-a-maioria-das-iniciativas-de-ia-em-servicos-financeiros-nao-consegue-escalar\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">De Modelo Isolado a Ecossistema de IA Empresarial:...<\/a><\/h4>\n<div class=\"pt-cv-content\">De Modelo Isolado a Ecossistema de IA Empresarial:Por que a Maioria das Iniciativas de IA ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/pt\/de-modelo-isolado-a-ecossistema-de-ia-empresarial-por-que-a-maioria-das-iniciativas-de-ia-em-servicos-financeiros-nao-consegue-escalar\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Confira<\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n<div class=\"text-left round-button pt-cv-pagination-wrapper\"><ul class=\"pt-cv-pagination pt-cv-ajax pagination\" data-totalpages=\"9\" data-currentpage=\"1\" data-sid=\"0d017e0dk8\" data-unid=\"\" data-isblock=\"\" data-postid=\"\"><li class=\"active\"><a href=\"#\">1<\/a><\/li>\n\t<li ><a class=\"\" href=\"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/posts\/855\/?_page=2\">2<\/a><\/li>\n\t<li ><a class=\"\" href=\"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/posts\/855\/?_page=3\">3<\/a><\/li>\n\t<li ><a href=\"#\">&hellip;<\/a><\/li>\n\t<li ><a class=\"\" href=\"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/posts\/855\/?_page=9\">9<\/a><\/li>\n\t<li ><a class=\" \" href=\"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/posts\/855\/?_page=2\">&rsaquo;<\/a><\/li>\n\t<\/ul><img loading=\"lazy\" decoding=\"async\" width=\"15\" height=\"15\" class=\"pt-cv-spinner\" alt=\"Loading...\" src=\"data:image\/gif;base64,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\" \/><div class=\"clear pt-cv-clear-pagination\"><\/div><\/div><\/div>\t\t\t<style type=\"text\/css\" id=\"pt-cv-inline-style-baa8b9dw0d\">#pt-cv-view-0d017e0dk8 .pt-cv-title a, #pt-cv-view-0d017e0dk8  .panel-title { font-weight: 600 !important; }\n#pt-cv-view-0d017e0dk8 .pt-cv-readmore  { color: #ffffff !important; background-color: #200644 !important; }\n#pt-cv-view-0d017e0dk8 .pt-cv-readmore:hover  { color: #ffffff !important; background-color: rgba(32,6,68,0.79) !important; }\n#pt-cv-view-0d017e0dk8  + .pt-cv-pagination-wrapper .pt-cv-more , #pt-cv-view-0d017e0dk8  + .pt-cv-pagination-wrapper .pagination .active a, .pt-cv-pagination[data-sid='0d017e0dk8'] .active a { color: #ffffff !important; background-color: #e0007a !important; }\n#pt-cv-view-0d017e0dk8 .img-rounded, #pt-cv-view-0d017e0dk8 .pt-cv-hover-wrapper { -webkit-border-radius: 10px !important; -moz-border-radius: 10px !important; border-radius: 10px !important; }\n#pt-cv-view-0d017e0dk8 .pt-cv-cap-w-img { border-bottom-left-radius: 10px !important; border-bottom-right-radius: 10px !important; }\n#pt-cv-view-0d017e0dk8 .cvp-responsive-image[style*=\"background-image\"] { width: 200px; max-height: 100px; overflow: hidden; aspect-ratio: 2 }\n#pt-cv-view-0d017e0dk8 .cvp-responsive-image img { max-width: 200px; max-height: 100px; aspect-ratio: 2 }<\/style>\r\n\t\t\t<\/div>\n<p><!--more--><br \/>\n<!-- {\"type\":\"layout\",\"children\":[{\"type\":\"section\",\"props\":{\"animation\":\"slide-bottom-small\",\"header_transparent\":true,\"header_transparent_noplaceholder\":true,\"header_transparent_text_color\":\"light\",\"image\":\"wp-content\/uploads\/hero-bg.svg\",\"image_position\":\"bottom-center\",\"image_size\":\"cover\",\"media_background\":\"#120226\",\"padding_bottom\":\"none\",\"padding_top\":\"large\",\"style\":\"default\",\"title_breakpoint\":\"xl\",\"title_position\":\"top-left\",\"title_rotation\":\"left\",\"vertical_align\":\"\",\"width\":\"default\"},\"children\":[{\"type\":\"row\",\"children\":[{\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"position_sticky_breakpoint\":\"m\"},\"children\":[{\"type\":\"headline\",\"props\":{\"class\":\"uk-text-uppercase\",\"image_align\":\"left\",\"image_margin\":\"xsmall\",\"margin_bottom\":\"remove\",\"text_align\":\"center\",\"title_color\":\"warning\",\"title_element\":\"div\",\"title_style\":\"h3\",\"yooessentials_access_conditions\":[],\"yooessentials_access_mode\":\"AND\"},\"name\":\"PTBR - Block - AUTOPOPULATED - RESOURCE NAME\",\"source_extended\":{\"props\":{}},\"source\":{\"query\":{\"name\":\"posts.singlePost\"},\"props\":{\"content\":{\"arguments\":{\"separator\":\", \",\"show_link\":false,\"link_style\":\"\"},\"name\":\"resourceString\"}}}},{\"type\":\"headline\",\"props\":{\"content\":\"Em meio \u00e0 inadimpl\u00eancia em alta, 86% dos executivos brasileiros de servi\u00e7os financeiros n\u00e3o t\u00eam total confian\u00e7a na capacidade de mudar rapidamente suas decis\u00f5es de risco\",\"image_align\":\"left\",\"image_margin\":\"xsmall\",\"margin_bottom\":\"medium\",\"margin_top\":\"remove\",\"text_align\":\"center\",\"title_element\":\"h1\",\"title_style\":\"heading-small\"}},{\"type\":\"grid\",\"props\":{\"content_column_breakpoint\":\"m\",\"filter_align\":\"left\",\"filter_all\":true,\"filter_grid_breakpoint\":\"m\",\"filter_grid_width\":\"auto\",\"filter_position\":\"top\",\"filter_style\":\"tab\",\"grid_column_align\":true,\"grid_column_gap\":\"small\",\"grid_default\":\"1\",\"grid_divider\":true,\"grid_medium\":\"\",\"grid_parallax_justify\":false,\"grid_row_align\":true,\"grid_row_gap\":\"small\",\"grid_small\":\"auto\",\"image_align\":\"left\",\"image_border\":\"circle\",\"image_grid_breakpoint\":\"m\",\"image_grid_width\":\"auto\",\"image_height\":\"60\",\"image_svg_color\":\"emphasis\",\"image_vertical_align\":true,\"image_width\":\"60\",\"item_animation\":true,\"lightbox_bg_close\":true,\"link_style\":\"default\",\"link_text\":\"Read more\",\"margin_bottom\":\"remove\",\"margin_top\":\"medium\",\"meta_align\":\"below-title\",\"meta_element\":\"div\",\"meta_style\":\"text-meta\",\"panel_link\":true,\"show_content\":true,\"show_hover_image\":true,\"show_hover_video\":true,\"show_image\":true,\"show_link\":true,\"show_meta\":true,\"show_title\":true,\"show_video\":true,\"text_align\":\"left\",\"text_align_breakpoint\":\"s\",\"text_align_fallback\":\"center\",\"title_align\":\"top\",\"title_element\":\"h3\",\"title_grid_breakpoint\":\"m\",\"title_grid_width\":\"1-2\",\"title_hover_style\":\"reset\"},\"children\":[{\"type\":\"grid_item\",\"source\":{\"query\":{\"name\":\"posts.singlePost\"},\"props\":{\"_condition\":{\"filters\":{\"condition\":\"!!\"},\"name\":\"author.name\"},\"content\":{\"filters\":{\"search\":\"\"},\"name\":\"author.name\"},\"image\":{\"filters\":{\"search\":\"\"},\"arguments\":{\"size\":\"96\"},\"name\":\"author.avatar\"}}}},{\"type\":\"grid_item\",\"source\":{\"query\":{\"name\":\"posts.singlePost\"},\"props\":{\"_condition\":{\"filters\":{\"condition\":\"!!\"},\"name\":\"date\"},\"content\":{\"filters\":{\"search\":\"\",\"date\":\"\"},\"name\":\"date\"}}}}],\"name\":\"Author | Date (auto populated)\"}]}]}],\"name\":\"home-hero\"},{\"type\":\"section\",\"props\":{\"image_position\":\"center-center\",\"style\":\"secondary\",\"title_breakpoint\":\"xl\",\"title_position\":\"top-left\",\"title_rotation\":\"left\",\"vertical_align\":\"\",\"width\":\"default\"},\"children\":[{\"type\":\"row\",\"children\":[{\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"position_sticky_breakpoint\":\"m\",\"width_medium\":\"2-3\"},\"children\":[{\"type\":\"image\",\"props\":{\"image_border\":\"rounded\",\"image_box_decoration\":\"shadow\",\"image_height\":300,\"image_loading\":true,\"image_svg_color\":\"emphasis\",\"margin_bottom\":\"default\",\"margin_top\":\"default\",\"status\":\"disabled\",\"text_align\":\"left\"},\"source\":{\"query\":{\"name\":\"posts.singlePost\"},\"props\":{\"_condition\":{\"filters\":{\"condition\":\"!!\"},\"name\":\"featuredImage.url\"},\"image\":{\"filters\":{\"search\":\"\"},\"name\":\"featuredImage.url\"}}},\"name\":\"Image (auto populated from feature image)\"},{\"type\":\"text\",\"props\":{\"column_breakpoint\":\"m\",\"content\":\"\n\n<p>Conclus\u00e3o faz parte da Pesquisa sobre Decis\u00e3o de Risco LATAM 2024 da Provenir; estudo aponta que apenas 9% das institui\u00e7\u00f5es financeiras acreditam em suas medidas antifraude<\/p>\n\n\\n\n\n<p>S\u00e3o Paulo, 31 de janeiro de 2024: Em um cen\u00e1rio marcado pelas altas taxas de inadimpl\u00eancia combinadas \u00e0s complexidades do ambiente econ\u00f4mico, apenas 14% dos executivos brasileiros do setor de servi\u00e7os financeiros t\u00eam total confian\u00e7a na capacidade de suas empresas alterarem rapidamente as decis\u00f5es de risco de cr\u00e9dito. A conclus\u00e3o faz parte da Pesquisa sobre Decis\u00e3o de Risco LATAM 2024, conduzida pela Provenir, especializada em tecnologia para tomada de decis\u00e3o no setor financeiro. \u00a0<\/p>\n\n\\n\n\n<p>\u201cO resultado obtido entre as empresas brasileiras reflete o cen\u00e1rio atual do pa\u00eds, onde mais de 71 milh\u00f5es de pessoas est\u00e3o inadimplentes e cerca de 77% das fam\u00edlias se dizem endividadas\u201d, analisa Patr\u00edcia Matheus, Head de Vendas no Brasil da Provenir.<\/p>\n\n\\n\n\n<p>\u201cAinda que esses \u00edndices venham registrando queda, eles indicam que as institui\u00e7\u00f5es financeiras tendem a buscar solu\u00e7\u00f5es capazes de gerenciar de forma inteligente seus processos de an\u00e1lise de risco de cr\u00e9dito para que possam seguir concedendo cr\u00e9dito com seguran\u00e7a para consumidores e empresas. Trata-se de uma medida urgente e estrat\u00e9gica\u201d, completa a executiva.<\/p>\n\n\\n\n\n<p>O estudo detectou ainda que a gest\u00e3o de riscos ao longo da jornada do cliente \u00e9 o principal desafio que as empresas provedoras de servi\u00e7os financeiros e as fintechs brasileiras devem enfrentar neste ano - 57% dos ouvidos no pa\u00eds apontaram a iniciativa como maior obst\u00e1culo em seus processos de decis\u00e3o de risco. O \u00edndice do Brasil supera o global e o da Am\u00e9rica Latina, ambos em 49%.<\/p>\n\n\\n\n\n<p>Em linha com o que ocorre nos demais pa\u00edses, o estudo da Provenir revelou tamb\u00e9m que a identifica\u00e7\u00e3o de fraudes se destaca como o segundo desafio mais importante entre as empresas brasileiras do setor, citado por 48% dos respondentes, enquanto que reconhecer oportunidades de aperfei\u00e7oamento de efici\u00eancia e desempenho aparece em terceiro lugar, com 43%.<\/p>\n\n\\n\n\n<p>A preocupa\u00e7\u00e3o com a identifica\u00e7\u00e3o de fraudes, no entanto, parece n\u00e3o se desdobrar em a\u00e7\u00f5es para fazer frente \u00e0 pr\u00e1tica. O levantamento revela que apenas 9% das institui\u00e7\u00f5es financeiras do pa\u00eds consideram suas medidas antifraude completamente eficazes - conclus\u00e3o preocupante diante do volume de golpes financeiros no pa\u00eds. <a href=\\\"https:\/\/www.transunion.com\/content\/dam\/transunion\/global\/business\/documents\/RTL-23-F150961-ConsumerPulse-Q4-23-INF-EN-US.pdf\\\">Segundo<\/a> <a href=\\\"https:\/\/www.transunion.com\/content\/dam\/transunion\/global\/business\/documents\/RTL-23-F150961-ConsumerPulse-Q4-23-INF-EN-US.pdf\\\">estudo da TransUnion<\/a>, quase 30% dos brasileiros ouvidos foram alvo de tentativas de fraudes entre junho e outubro de 2023, sendo que a maior parte delas\u00a0 ocorreram via smishing, o phishing via mensagens de texto.<\/p>\n\n\\n\n\n<p>\u201cA evolu\u00e7\u00e3o dos servi\u00e7os ofertados pelos provedores de servi\u00e7os financeiros\u00a0 e as crescentes\u00a0 demandas do mercado criaram um cen\u00e1rio \u00fanico de disrup\u00e7\u00e3o, caracterizado por um enorme volume de dados em circula\u00e7\u00e3o, o que automaticamente aumenta as possibilidades de fraude. Nesse contexto, muitas empresas t\u00eam apostado em plataforma de decis\u00e3o baseada em Intelig\u00eancia Artificial para fazer a verifica\u00e7\u00e3o de identidades com rapidez e precis\u00e3o para detectar em tempo real qualquer ocorr\u00eancia\u201d, pontua Patr\u00edcia.<\/p>\n\n\\n\n\n<p>A Provenir entrevistou mais de 150 tomadores de decis\u00e3o em provedores de servi\u00e7os financeiros e fintechs na Am\u00e9rica Latina e no Brasil em dezembro de 2023 para compreender seus desafios de tomada de decis\u00f5es de risco, prioridades de gest\u00e3o de clientes e confian\u00e7a na precis\u00e3o e flexibilidade de seus modelos de risco. A edi\u00e7\u00e3o LATAM da pesquisa est\u00e1 dispon\u00edvel <a href=\\\"https:\/\/provenir.com\/portuguese\/pesquisa-sobre-decisao-de-risco-latam-2024\/\\\">aqui.<\/a><\/p>\n\n\",\"margin_bottom\":\"default\",\"margin_top\":\"default\"}}]},{\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"position_sticky\":\"row\",\"position_sticky_breakpoint\":\"m\",\"position_sticky_offset\":\"100\",\"style\":\"card-default\",\"width_medium\":\"1-3\"},\"children\":[{\"type\":\"headline\",\"props\":{\"content\":\"Transforme os desafios da tomada de decis\u00e3o de risco de cr\u00e9dito em oportunidades.\",\"image_align\":\"left\",\"image_margin\":\"xsmall\",\"text_align\":\"center\",\"title_element\":\"h3\",\"title_style\":\"h3\"}},{\"type\":\"button\",\"props\":{\"grid_column_gap\":\"small\",\"grid_row_gap\":\"\",\"margin_bottom\":\"medium\",\"margin_top\":\"medium\",\"maxwidth\":\"medium\",\"text_align\":\"center\"},\"children\":[{\"type\":\"button_item\",\"props\":{\"button_style\":\"default\",\"content\":\"Acesse o Infogr\u00e1fico\",\"dialog_layout\":\"modal\",\"dialog_offcanvas_flip\":true,\"icon\":\"\",\"icon_align\":\"left\",\"link\":\"https:\/\/provenir.com\/pt\/infografico-transforme-os-desafios-da-tomada-de-decisao-de-risco-de-credito-em-oportunidades\/\"}}]}]}],\"props\":{\"layout\":\"2-3,1-3\"}}]},{\"type\":\"section\",\"props\":{\"image_position\":\"center-center\",\"padding_top\":\"none\",\"preserve_color\":false,\"style\":\"secondary\",\"title_breakpoint\":\"xl\",\"title_position\":\"top-left\",\"title_rotation\":\"left\",\"vertical_align\":\"\",\"width\":\"default\"},\"children\":[{\"type\":\"row\",\"children\":[{\"type\":\"column\",\"props\":{\"image_position\":\"center-center\",\"position_sticky_breakpoint\":\"m\"},\"children\":[{\"type\":\"headline\",\"props\":{\"class\":\"uk-text-uppercase\",\"content\":\"Blogs mais recentes\",\"image_align\":\"left\",\"image_margin\":\"xsmall\",\"title_color\":\"background\",\"title_decoration\":\"line\",\"title_element\":\"h4\",\"title_style\":\"text-large\"}},{\"type\":\"html\",\"props\":{\"content\":\"[pt_view id=\\\"0d017e0dk8\\\"]\"}}]}]}],\"name\":\"PTBR - Block - filter Blogs\"}],\"version\":\"5.0.25\",\"yooessentialsVersion\":\"3.0.2\"} --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A Pesquisa de Decis\u00e3o de Risco LATAM 2024 da Provenir aponta que apenas 9% das institui\u00e7\u00f5es financeiras no Brasil confiam em suas medidas antifraude, com a gest\u00e3o de riscos ao longo da jornada do cliente sendo o principal desafio<\/p>\n","protected":false},"author":18,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[],"industry":[27],"language":[41],"mktplace-data-type":[],"mktplace-region":[],"mktplace-use-case":[],"resource":[87],"class_list":["post-855","post","type-post","status-publish","format-standard","hentry","category-recurso","industry-servicos-financeiros","language-ptbr","resource-enquete"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Executivos financeiros carecem de confian\u00e7a nas decis\u00f5es de risco<\/title>\n<meta name=\"description\" content=\"Veja os insights da Pesquisa Provenir LATAM 2024 sobre como institui\u00e7\u00f5es financeiras enfrentam riscos e fortalecem suas estrat\u00e9gias antifraude.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.provenir.com\/pt\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Em meio \u00e0 inadimpl\u00eancia em alta, 86% dos executivos brasileiros de servi\u00e7os financeiros n\u00e3o t\u00eam total confian\u00e7a na capacidade de mudar rapidamente suas decis\u00f5es de risco\" \/>\n<meta property=\"og:description\" content=\"Veja os insights da Pesquisa Provenir LATAM 2024 sobre como institui\u00e7\u00f5es financeiras enfrentam riscos e fortalecem suas estrat\u00e9gias antifraude.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.provenir.com\/pt\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\/\" \/>\n<meta property=\"og:site_name\" content=\"Provenir-PTBR\" \/>\n<meta property=\"article:published_time\" content=\"2024-01-31T10:47:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-01T07:56:57+00:00\" \/>\n<meta name=\"author\" content=\"Carol Hamilton\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Carol Hamilton\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\\\/\"},\"author\":{\"name\":\"Carol Hamilton\",\"@id\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/#\\\/schema\\\/person\\\/14ab90192884c66d8c80ad32ded8c258\"},\"headline\":\"Em meio \u00e0 inadimpl\u00eancia em alta, 86% dos executivos brasileiros de servi\u00e7os financeiros n\u00e3o t\u00eam total confian\u00e7a na capacidade de mudar rapidamente suas decis\u00f5es de risco\",\"datePublished\":\"2024-01-31T10:47:52+00:00\",\"dateModified\":\"2026-04-01T07:56:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\\\/\"},\"wordCount\":671,\"articleSection\":[\"Recurso\"],\"inLanguage\":\"pt-BR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\\\/\",\"url\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\\\/\",\"name\":\"Executivos financeiros carecem de confian\u00e7a nas decis\u00f5es de risco\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/#website\"},\"datePublished\":\"2024-01-31T10:47:52+00:00\",\"dateModified\":\"2026-04-01T07:56:57+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/#\\\/schema\\\/person\\\/14ab90192884c66d8c80ad32ded8c258\"},\"description\":\"Veja os insights da Pesquisa Provenir LATAM 2024 sobre como institui\u00e7\u00f5es financeiras enfrentam riscos e fortalecem suas estrat\u00e9gias antifraude.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\\\/#breadcrumb\"},\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.provenir.com\\\/pt\\\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Em meio \u00e0 inadimpl\u00eancia em alta, 86% dos executivos brasileiros de servi\u00e7os financeiros n\u00e3o t\u00eam total confian\u00e7a na capacidade de mudar rapidamente suas decis\u00f5es de risco\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/#website\",\"url\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/\",\"name\":\"Provenir-PTBR\",\"description\":\"Decis\u00e3o de risco de cr\u00e9dito baseada em IA\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-BR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/#\\\/schema\\\/person\\\/14ab90192884c66d8c80ad32ded8c258\",\"name\":\"Carol Hamilton\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\\\/\\\/www.provenir.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/carol-1080x1080-1-96x96.jpg\",\"url\":\"https:\\\/\\\/www.provenir.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/carol-1080x1080-1-96x96.jpg\",\"contentUrl\":\"https:\\\/\\\/www.provenir.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/carol-1080x1080-1-96x96.jpg\",\"caption\":\"Carol Hamilton\"},\"url\":\"https:\\\/\\\/www.provenir.com\\\/pt\\\/author\\\/carol\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Executivos financeiros carecem de confian\u00e7a nas decis\u00f5es de risco","description":"Veja os insights da Pesquisa Provenir LATAM 2024 sobre como institui\u00e7\u00f5es financeiras enfrentam riscos e fortalecem suas estrat\u00e9gias antifraude.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.provenir.com\/pt\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\/","og_locale":"pt_BR","og_type":"article","og_title":"Em meio \u00e0 inadimpl\u00eancia em alta, 86% dos executivos brasileiros de servi\u00e7os financeiros n\u00e3o t\u00eam total confian\u00e7a na capacidade de mudar rapidamente suas decis\u00f5es de risco","og_description":"Veja os insights da Pesquisa Provenir LATAM 2024 sobre como institui\u00e7\u00f5es financeiras enfrentam riscos e fortalecem suas estrat\u00e9gias antifraude.","og_url":"https:\/\/www.provenir.com\/pt\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\/","og_site_name":"Provenir-PTBR","article_published_time":"2024-01-31T10:47:52+00:00","article_modified_time":"2026-04-01T07:56:57+00:00","author":"Carol Hamilton","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Carol Hamilton","Est. reading time":"4 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.provenir.com\/pt\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\/#article","isPartOf":{"@id":"https:\/\/www.provenir.com\/pt\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\/"},"author":{"name":"Carol Hamilton","@id":"https:\/\/www.provenir.com\/pt\/#\/schema\/person\/14ab90192884c66d8c80ad32ded8c258"},"headline":"Em meio \u00e0 inadimpl\u00eancia em alta, 86% dos executivos brasileiros de servi\u00e7os financeiros n\u00e3o t\u00eam total confian\u00e7a na capacidade de mudar rapidamente suas decis\u00f5es de risco","datePublished":"2024-01-31T10:47:52+00:00","dateModified":"2026-04-01T07:56:57+00:00","mainEntityOfPage":{"@id":"https:\/\/www.provenir.com\/pt\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\/"},"wordCount":671,"articleSection":["Recurso"],"inLanguage":"pt-BR"},{"@type":"WebPage","@id":"https:\/\/www.provenir.com\/pt\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\/","url":"https:\/\/www.provenir.com\/pt\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\/","name":"Executivos financeiros carecem de confian\u00e7a nas decis\u00f5es de risco","isPartOf":{"@id":"https:\/\/www.provenir.com\/pt\/#website"},"datePublished":"2024-01-31T10:47:52+00:00","dateModified":"2026-04-01T07:56:57+00:00","author":{"@id":"https:\/\/www.provenir.com\/pt\/#\/schema\/person\/14ab90192884c66d8c80ad32ded8c258"},"description":"Veja os insights da Pesquisa Provenir LATAM 2024 sobre como institui\u00e7\u00f5es financeiras enfrentam riscos e fortalecem suas estrat\u00e9gias antifraude.","breadcrumb":{"@id":"https:\/\/www.provenir.com\/pt\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\/#breadcrumb"},"inLanguage":"pt-BR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.provenir.com\/pt\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.provenir.com\/pt\/pesquisa-provenir-latam-2024-instituicoes-financeiras-antifraude\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.provenir.com\/pt\/"},{"@type":"ListItem","position":2,"name":"Em meio \u00e0 inadimpl\u00eancia em alta, 86% dos executivos brasileiros de servi\u00e7os financeiros n\u00e3o t\u00eam total confian\u00e7a na capacidade de mudar rapidamente suas decis\u00f5es de risco"}]},{"@type":"WebSite","@id":"https:\/\/www.provenir.com\/pt\/#website","url":"https:\/\/www.provenir.com\/pt\/","name":"Provenir-PTBR","description":"Decis\u00e3o de risco de cr\u00e9dito baseada em IA","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.provenir.com\/pt\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-BR"},{"@type":"Person","@id":"https:\/\/www.provenir.com\/pt\/#\/schema\/person\/14ab90192884c66d8c80ad32ded8c258","name":"Carol Hamilton","image":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/www.provenir.com\/wp-content\/uploads\/2025\/02\/carol-1080x1080-1-96x96.jpg","url":"https:\/\/www.provenir.com\/wp-content\/uploads\/2025\/02\/carol-1080x1080-1-96x96.jpg","contentUrl":"https:\/\/www.provenir.com\/wp-content\/uploads\/2025\/02\/carol-1080x1080-1-96x96.jpg","caption":"Carol Hamilton"},"url":"https:\/\/www.provenir.com\/pt\/author\/carol\/"}]}},"_links":{"self":[{"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/posts\/855","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/comments?post=855"}],"version-history":[{"count":0,"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/posts\/855\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/media?parent=855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/categories?post=855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/tags?post=855"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/industry?post=855"},{"taxonomy":"language","embeddable":true,"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/language?post=855"},{"taxonomy":"mktplace-data-type","embeddable":true,"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/mktplace-data-type?post=855"},{"taxonomy":"mktplace-region","embeddable":true,"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/mktplace-region?post=855"},{"taxonomy":"mktplace-use-case","embeddable":true,"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/mktplace-use-case?post=855"},{"taxonomy":"resource","embeddable":true,"href":"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/resource?post=855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}