{"id":871,"date":"2023-06-26T12:36:26","date_gmt":"2023-06-26T12:36:26","guid":{"rendered":"https:\/\/www.provenir.com\/portuguese\/?p=871"},"modified":"2026-03-31T11:52:03","modified_gmt":"2026-03-31T11:52:03","slug":"fintechs-credito-dados-alternativos-fid23","status":"publish","type":"post","link":"https:\/\/www.provenir.com\/pt\/fintechs-credito-dados-alternativos-fid23\/","title":{"rendered":"Fintechs e neobanks avan\u00e7am em cr\u00e9dito para PMEs e baixa renda"},"content":{"rendered":"<h1>Fintechs e neobanks avan\u00e7am em cr\u00e9dito para PMEs e baixa renda<\/h1>\n<ul>\n<li>\n<\/li>\n<li>\n<\/li>\n<\/ul>\n<div>\n<p>As fintechs de cr\u00e9dito provocaram uma revolu\u00e7\u00e3o no setor financeiro baseadas, principalmente, em promover uma nova experi\u00eancia ao consumidor. Batendo de frente com um sistema banc\u00e1rio tradicional, caro e burocr\u00e1tico, foram conquistando uma parte do bolo que antes pertencia \u00e0s grandes institui\u00e7\u00f5es.<\/p>\n<p>A trajet\u00f3ria para democratizar o cr\u00e9dito, na vis\u00e3o de agentes deste setor, est\u00e1 apenas come\u00e7ando. Avan\u00e7os no uso preditivo de dados, na intelig\u00eancia artificial (IA) e no Open Finance v\u00e3o possibilitar a constru\u00e7\u00e3o de novos modelos de neg\u00f3cios. Algumas iniciativas foram apresentadas em pain\u00e9is durante o FID23 \u2013 evento realizado pela Luceat em parceria com o Finsiders \u2013 e refor\u00e7am o foco em nichos espec\u00edficos do mercado, por exemplo, a baixa renda e as pequenas e medias empresas (PMEs).<\/p>\n<p><a href=\"https:\/\/www.linkedin.com\/in\/ricardowodianer\/\">Ricardo Wodianer<\/a>, consultor de solu\u00e7\u00f5es da Provenir, participou de painel que abordou a experi\u00eancia do cliente nas fintechs de cr\u00e9dito e destacou a import\u00e2ncia da an\u00e1lise de dados alternativos para que os gestores de cr\u00e9dito possam entender melhor seus clientes.<\/p>\n<\/div>\n<p><p>\n        <a href=\"https:\/\/finsiders.com.br\/2023\/06\/01\/fintechs-e-neobanks-avancam-em-credito-para-pmes-e-baixa-renda\/\">Confira a mat\u00e9ria na \u00edntegra<\/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<h3>\u00daLTIMAS NOT\u00cdCIAS<\/h3>\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 pt-cv-pagination-wrapper\"><ul class=\"pt-cv-pagination pt-cv-ajax pagination\" data-totalpages=\"6\" data-currentpage=\"1\" data-sid=\"0a6f40eoqj\" 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\/871\/?_page=2\">2<\/a><\/li>\n\t<li ><a class=\"\" href=\"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/posts\/871\/?_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\/871\/?_page=6\">6<\/a><\/li>\n\t<li ><a class=\" \" href=\"https:\/\/www.provenir.com\/pt\/wp-json\/wp\/v2\/posts\/871\/?_page=2\">&rsaquo;<\/a><\/li>\n\t<\/ul><img loading=\"lazy\" decoding=\"async\" width=\"15\" height=\"15\" 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| 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>As fintechs de cr\u00e9dito provocaram uma revolu\u00e7\u00e3o no setor financeiro baseadas, principalmente, em promover uma nova experi\u00eancia ao consumidor. Batendo de frente com um sistema banc\u00e1rio tradicional, caro e burocr\u00e1tico, foram conquistando uma parte do bolo que antes pertencia \u00e0s grandes institui\u00e7\u00f5es.<\/p>\n\n\\n\n\n<p>A trajet\u00f3ria para democratizar o cr\u00e9dito, na vis\u00e3o de agentes deste setor, est\u00e1 apenas come\u00e7ando. Avan\u00e7os no uso preditivo de dados, na intelig\u00eancia artificial (IA) e no Open Finance v\u00e3o possibilitar a constru\u00e7\u00e3o de novos modelos de neg\u00f3cios. Algumas iniciativas foram apresentadas em pain\u00e9is durante o FID23 \u2013 evento realizado pela Luceat em parceria com o Finsiders \u2013 e refor\u00e7am o foco em nichos espec\u00edficos do mercado, por exemplo, a baixa renda e as pequenas e medias empresas (PMEs).<\/p>\n\n\\n\n\n<p><a href=\\\"https:\/\/www.linkedin.com\/in\/ricardowodianer\/\\\">Ricardo Wodianer<\/a>, consultor de solu\u00e7\u00f5es da Provenir, participou de painel que abordou a experi\u00eancia do cliente nas fintechs de cr\u00e9dito e destacou a import\u00e2ncia da an\u00e1lise de dados alternativos para que os gestores de cr\u00e9dito possam entender melhor seus clientes.<\/p>\n\n\",\"margin_bottom\":\"default\",\"margin_top\":\"default\"}},{\"type\":\"button\",\"props\":{\"grid_column_gap\":\"small\",\"grid_row_gap\":\"small\",\"margin_bottom\":\"default\",\"margin_top\":\"default\"},\"children\":[{\"type\":\"button_item\",\"props\":{\"button_style\":\"default\",\"content\":\"Confira a mat\u00e9ria na \u00edntegra\",\"dialog_layout\":\"modal\",\"dialog_offcanvas_flip\":true,\"icon_align\":\"left\",\"link\":\"https:\/\/finsiders.com.br\/2023\/06\/01\/fintechs-e-neobanks-avancam-em-credito-para-pmes-e-baixa-renda\/\"}}]}]},{\"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 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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_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\":{\"content\":\"\u00daLTIMAS 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PMEs.<\/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":[28,27],"language":[41],"mktplace-data-type":[],"mktplace-region":[],"mktplace-use-case":[],"resource":[85],"class_list":["post-871","post","type-post","status-publish","format-standard","hentry","category-noticias","industry-fintech","industry-servicos-financeiros","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>Fintechs e neobanks avan\u00e7am em cr\u00e9dito para PMEs e baixa renda<\/title>\n<meta name=\"description\" content=\"Descubra como fintechs est\u00e3o usando dados alternativos para ampliar o acesso ao cr\u00e9dito, reduzir risco e impulsionar inclus\u00e3o 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