{"id":864,"date":"2023-08-30T11:50:13","date_gmt":"2023-08-30T11:50:13","guid":{"rendered":"https:\/\/www.provenir.com\/portuguese\/?p=864"},"modified":"2026-03-19T17:15:59","modified_gmt":"2026-03-19T17:15:59","slug":"dados-alternativos-transformando-credito-fintech","status":"publish","type":"post","link":"https:\/\/www.provenir.com\/pt\/dados-alternativos-transformando-credito-fintech\/","title":{"rendered":"Dados alternativos superam tradicional \u201cscore\u201d e potencializam an\u00e1lise de risco de cr\u00e9dito"},"content":{"rendered":"<h1>Dados alternativos superam tradicional \u201cscore\u201d e potencializam an\u00e1lise de risco de cr\u00e9dito<\/h1>\n<ul>\n<li>\n<\/li>\n<li>\n<\/li>\n<\/ul>\n<div>\n<p>Dados s\u00e3o o principal recurso utilizado por institui\u00e7\u00f5es financeiras, tradicionais ou fintechs, na hora de analisar um pedido de empr\u00e9stimo. Por isso, informa\u00e7\u00f5es detalhadas e precisas s\u00e3o fundamentais para a <a href=\"\/pt\/plataforma\/\" target=\"_blank\">tomada de decis\u00e3o<\/a>.<\/p>\n<p>Devido \u00e0 capacidade restrita de oferecer uma vis\u00e3o abrangente do <a href=\"\/pt\/solucoes\/onboarding-de-risco-de-credito\/\" target=\"_blank\">perfil de risco<\/a> do tomador de cr\u00e9dito, dados convencionais, como os scores, est\u00e3o aos poucos cedendo espa\u00e7o para o uso de <a href=\"\/pt\/plataforma\/datos\/\" target=\"_blank\">dados alternativos<\/a>, que permitem uma compreens\u00e3o mais s\u00f3lida do cliente.<\/p>\n<p>Pesquisa global conduzida pela <a href=\"\/pt\/\" target=\"_blank\">Provenir<\/a>, em parceria com a Pulse, revela que 53% das fintechs e empresas financeiras tinham planos de incorporar dados alternativos em 2022. Essa tend\u00eancia persiste, uma vez que a combina\u00e7\u00e3o de fontes de dados n\u00e3o convencionais com tecnologia preditiva capacita as empresas a fazer avalia\u00e7\u00f5es mais precisas e ajustar os limites de cr\u00e9dito de maneira eficaz.<\/p>\n<p>Os especialistas da Provenir esclarecem cinco fatos importantes sobre como os dados alternativos podem auxiliar as institui\u00e7\u00f5es de cr\u00e9dito a potencializar seus neg\u00f3cios.<\/p>\n<\/div>\n<p><p>\n        <a href=\"https:\/\/www.terra.com.br\/noticias\/dados-alternativos-superam-score-e-potencializam-analise-de-risco-de-credito,ccbd123b742a07ad3bfb771af9ad362148rbemni.html#:~:text=O%20que%20s%C3%A3o%3F,por%20um%20bureau%20de%20cr%C3%A9dito\">Leia na \u00edntegra aqui<\/a>\n    <\/p>\n<\/p>\n<h3><a href=\"https:\/\/provenir.com\/portuguese\/de-volta-ao-futuro-8-recursos-da-tecnologia-de-compre-ahora-pague-depois-rapida-e-pronta-para-o-futuro\/\">De volta ao futuro: 8 recursos da tecnologia de &#8220;compre agora, pague depois&#8221;, r\u00e1pida e pronta para o futuro<\/a><\/h3>\n<p><p>\n        <a href=\"https:\/\/provenir.com\/pt\/de-volta-ao-futuro-8-recursos-da-tecnologia-de-compre-ahora-pague-depois-rapida-e-pronta-para-o-futuro\/\">Baixe o e-Book<\/a>\n    <\/p>\n<\/p>\n<div>\u00daLTIMAS NOT\u00cdCIAS<\/div>\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-0a6f40eoqj\"><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=\"859\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/pt\/identidades-sinteticas-black-friday-fraudes-cartoes-emprestimos\/\" 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\"><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/pt\/identidades-sinteticas-black-friday-fraudes-cartoes-emprestimos\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Boom de identidades fake amea\u00e7a seguran\u00e7a na Black...<\/a><\/h4>\n<div class=\"pt-cv-content\">Com a chegada da Black Friday, a Provenir destaca o aumento de fraudes com identidades ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/pt\/identidades-sinteticas-black-friday-fraudes-cartoes-emprestimos\/\" 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=\"866\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/pt\/tecnologia-decisao-credito-futuro-servicos-financeiros\/\" 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\"><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/pt\/tecnologia-decisao-credito-futuro-servicos-financeiros\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Tr\u00eas verdades fundamentais sobre as tecnologias pa...<\/a><\/h4>\n<div class=\"pt-cv-content\">Jose Luis Vargas, VP da Provenir, aponta tr\u00eas verdades essenciais sobre a tecnologia de decis\u00e3o ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/pt\/tecnologia-decisao-credito-futuro-servicos-financeiros\/\" 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=\"853\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/pt\/alpop-aprimora-analise-credito-com-provenir\/\" 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\"><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/pt\/alpop-aprimora-analise-credito-com-provenir\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Plataforma de aluguel social, Alpop investe em IA ...<\/a><\/h4>\n<div class=\"pt-cv-content\">Com a tecnologia da Provenir, a fintech Alpop facilita a loca\u00e7\u00e3o de im\u00f3veis para clientes ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/pt\/alpop-aprimora-analise-credito-com-provenir\/\" 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=\"854\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/pt\/alpop-aprimora-analise-credito-com-provenir-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\"><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/pt\/alpop-aprimora-analise-credito-com-provenir-2\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">As tend\u00eancias para os provedores de servi\u00e7os finan...<\/a><\/h4>\n<div class=\"pt-cv-content\">Com a tecnologia da Provenir, a fintech Alpop facilita a loca\u00e7\u00e3o de im\u00f3veis para clientes ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/pt\/alpop-aprimora-analise-credito-com-provenir-2\/\" 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 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Por isso, informa\\u00e7\\u00f5es detalhadas e precisas s\\u00e3o fundamentais para a <a href=\\\"\\\/pt\\\/plataforma\\\/\\\" target=\\\"_blank\\\">tomada de decis\\u00e3o<\\\/a>.<\\\/p>\\n\n\n<p>Devido \\u00e0 capacidade restrita de oferecer uma vis\\u00e3o abrangente do <a href=\\\"\\\/pt\\\/solucoes\\\/onboarding-de-risco-de-credito\\\/\\\" target=\\\"_blank\\\">perfil de risco<\\\/a> do tomador de cr\\u00e9dito, dados convencionais, como os scores, est\\u00e3o aos poucos cedendo espa\\u00e7o para o uso de <a href=\\\"\\\/pt\\\/plataforma\\\/datos\\\/\\\" target=\\\"_blank\\\">dados alternativos<\\\/a>, que permitem uma compreens\\u00e3o mais s\\u00f3lida do cliente.<\\\/p>\\n\n\n<p>Pesquisa global conduzida pela <a href=\\\"\\\/pt\\\/\\\" target=\\\"_blank\\\">Provenir<\\\/a>, em parceria com a Pulse, revela que 53% das fintechs e empresas financeiras tinham planos de incorporar dados alternativos em 2022. Essa tend\\u00eancia persiste, uma vez que a combina\\u00e7\\u00e3o de fontes de dados n\\u00e3o convencionais com tecnologia preditiva capacita as empresas a fazer avalia\\u00e7\\u00f5es mais precisas e ajustar os limites de cr\\u00e9dito de maneira eficaz.<\\\/p>\\n\n\n<p>Os especialistas da Provenir esclarecem cinco fatos importantes sobre como os dados alternativos podem auxiliar as institui\\u00e7\\u00f5es de cr\\u00e9dito a potencializar seus neg\\u00f3cios.<\\\/p>\",\"margin\":\"default\"}},{\"type\":\"button\",\"props\":{\"grid_column_gap\":\"small\",\"grid_row_gap\":\"small\",\"margin\":\"default\"},\"children\":[{\"type\":\"button_item\",\"props\":{\"button_style\":\"default\",\"content\":\"Leia na \\u00edntegra aqui\",\"dialog_layout\":\"modal\",\"dialog_offcanvas_flip\":true,\"icon_align\":\"left\",\"link\":\"https:\\\/\\\/www.terra.com.br\\\/noticias\\\/dados-alternativos-superam-score-e-potencializam-analise-de-risco-de-credito,ccbd123b742a07ad3bfb771af9ad362148rbemni.html#:~:text=O%20que%20s%C3%A3o%3F,por%20um%20bureau%20de%20cr%C3%A9dito\"}}]}]},{\"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\":\"<a href=\\\"https:\\\/\\\/provenir.com\\\/portuguese\\\/de-volta-ao-futuro-8-recursos-da-tecnologia-de-compre-ahora-pague-depois-rapida-e-pronta-para-o-futuro\\\/\\\">De volta ao futuro: 8 recursos da tecnologia de \\\"compre agora, pague depois\\\", r\\u00e1pida e pronta para o futuro<\\\/a>\",\"text_align\":\"center\",\"title_element\":\"h3\",\"title_style\":\"h3\"}},{\"type\":\"button\",\"props\":{\"grid_column_gap\":\"small\",\"grid_row_gap\":\"\",\"margin\":\"medium\",\"margin_remove_bottom\":false,\"maxwidth\":\"medium\",\"text_align\":\"center\"},\"children\":[{\"type\":\"button_item\",\"props\":{\"button_style\":\"default\",\"content\":\"Baixe o e-Book\",\"dialog_layout\":\"modal\",\"dialog_offcanvas_flip\":true,\"icon_align\":\"left\",\"link\":\"https:\\\/\\\/provenir.com\\\/pt\\\/de-volta-ao-futuro-8-recursos-da-tecnologia-de-compre-ahora-pague-depois-rapida-e-pronta-para-o-futuro\\\/\"}}]}]}],\"props\":{\"layout\":\"2-3,1-3\"}}]},{\"type\":\"section\",\"props\":{\"image_position\":\"center-center\",\"padding_remove_top\":true,\"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\":{\"content\":\"\\u00daLTIMAS NOT\\u00cdCIAS\",\"title_color\":\"background\",\"title_decoration\":\"line\",\"title_element\":\"div\",\"title_style\":\"h4\"}},{\"type\":\"html\",\"props\":{\"content\":\"[pt_view id=\\\"0a6f40eoqj\\\"]\"}}]}]}],\"name\":\"PTBR - Block - filter News\"}],\"version\":\"4.5.33\",\"yooessentialsVersion\":\"2.4.12\"} --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dados tradicionais est\u00e3o sendo substitu\u00eddos por dados alternativos, oferecendo uma vis\u00e3o mais completa do perfil de risco. Provenir mostra que 53% das fintechs pretendem adotar essa tend\u00eancia.<\/p>\n","protected":false},"author":18,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[],"industry":[28],"language":[41],"mktplace-data-type":[],"mktplace-region":[],"mktplace-use-case":[],"resource":[85],"class_list":["post-864","post","type-post","status-publish","format-standard","hentry","category-noticias","industry-fintech","language-ptbr","resource-noticias"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Dados alternativos superam score e elevam an\u00e1lise de cr\u00e9dito<\/title>\n<meta name=\"description\" content=\"Veja como dados alternativos est\u00e3o transformando cr\u00e9dito em fintechs: mais inclus\u00e3o, precis\u00e3o e 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