{"id":901,"date":"2022-10-03T04:17:51","date_gmt":"2022-10-03T04:17:51","guid":{"rendered":"https:\/\/www.provenir.com\/portuguese\/?p=901"},"modified":"2026-03-24T15:18:49","modified_gmt":"2026-03-24T15:18:49","slug":"idc-spotlight-novas-fontes-de-dados-e-ia-inovadora-estao-redefinindo-o-negocio-de-emprestimos","status":"publish","type":"post","link":"https:\/\/www.provenir.com\/pt\/idc-spotlight-novas-fontes-de-dados-e-ia-inovadora-estao-redefinindo-o-negocio-de-emprestimos\/","title":{"rendered":"IDC Spotlight: Novas fontes de dados e IA inovadora est\u00e3o redefinindo o neg\u00f3cio de empr\u00e9stimos"},"content":{"rendered":"<h1>IDC Spotlight: Novas fontes de dados e IA inovadora est\u00e3o redefinindo o neg\u00f3cio de empr\u00e9stimos<\/h1>\n<ul>\n<li>\n<\/li>\n<li>\n<\/li>\n<\/ul>\n<div>Tecnologia inovadora, expans\u00e3o de dados e IA: mudando a maneira como emprestamos<\/div>\n<div>\n<p>Os empr\u00e9stimos financeiros est\u00e3o mudando \u2013 rapidamente. A tecnologia moderna, apoiada por dados em expans\u00e3o e a crescente ado\u00e7\u00e3o de an\u00e1lises avan\u00e7adas como IA\/ML, est\u00e1 mudando a maneira como o mercado determina quem recebe cr\u00e9dito.<\/p>\n<p><strong>De acordo com o IDC, espera-se que os gastos com tecnologia em sistemas de IA aumentem para US$ 27,7 bilh\u00f5es em 2025 (de US$ 11,7 bilh\u00f5es em 2021).<\/strong><\/p>\n<p>Confira o recente estudo Technology Spotlight do IDC, focado na maneira como os avan\u00e7os tecnol\u00f3gicos e novas fontes de dados, incluindo dados alternativos, est\u00e3o ultrapassando os limites do empr\u00e9stimo.<\/p>\n<p><strong>Principais Destaques:<\/strong><\/p>\n<ul>\n<li>Como a IA, juntamente com fontes de dados novas e variadas, permite decis\u00f5es de risco mais precisas<\/li>\n<li>Como os mutu\u00e1rios, incluindo consumidores n\u00e3o bancarizados\/sub-bancarizados, se beneficiam das decis\u00f5es de risco baseadas em IA, incluindo integra\u00e7\u00e3o mais r\u00e1pida e uma experi\u00eancia aprimorada do cliente<\/li>\n<li>Como os credores podem garantir taxas de aprova\u00e7\u00e3o de empr\u00e9stimos mais altas, detec\u00e7\u00e3o de fraude aprimorada e perdas de cr\u00e9dito reduzidas<\/li>\n<\/ul>\n<\/div>\n<div>\n<div style=\"position:relative;padding-top:max(300%,326px);height:0;width:100%\"><iframe allow=\"clipboard-write\" sandbox=\"allow-top-navigation allow-top-navigation-by-user-activation allow-downloads allow-scripts allow-same-origin allow-popups allow-modals allow-popups-to-escape-sandbox allow-forms\" allowfullscreen=\"true\" style=\"position:absolute;border:none;width:100%;height:100%;left:0;right:0;top:0;bottom:0;\" src=\"https:\/\/e.issuu.com\/embed.html?backgroundColor=%23120226&#038;backgroundColorFullscreen=%23120226&#038;d=telco_infographic-pt&#038;hideIssuuLogo=true&#038;u=provenir\"><\/iframe><\/div>\n<\/div>\n<h3>Fa\u00e7a o Download Agora<\/h3>\n<div>\n<p>    <iframe loading=\"lazy\" src=\"https:\/\/go.provenir.com\/l\/730213\/2022-12-12\/88l9pq\" width=\"100%\" height=\"500px\" type=\"text\/html\" frameborder=\"0\" allowtransparency=\"true\" style=\"border: 0\"><\/iframe>\n<\/div>\n<div><strong>infogr\u00e1ficos mais recentes<\/strong><\/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-75eb599e7q\"><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=\"1257\"><div class='pt-cv-ifield'><a href=\"https:\/\/www.provenir.com\/pt\/pare-os-fraudadores-em-seu-caminho\/\" 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=\"1249\" height=\"657\" src=\"https:\/\/www.provenir.com\/pt\/wp-content\/uploads\/sites\/9\/2025\/04\/Fraud-social-tiles-GL_EN-231018_30428.jpg\" class=\"pt-cv-thumbnail img-rounded\" alt=\"Pare os Fraudadores em seu Caminho\" \/><\/a>\n<h4 class=\"pt-cv-title\"><a href=\"https:\/\/www.provenir.com\/pt\/pare-os-fraudadores-em-seu-caminho\/\" class=\"_self cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Pare os Fraudadores em seu Caminho<\/a><\/h4>\n<div class=\"pt-cv-content\">Pare os Fraudadores em seu Caminho Como uma Plataforma de Tomada de Decis\u00e3o com Tecnologia ...<br \/><div class=\"pt-cv-rmwrap\"><a href=\"https:\/\/www.provenir.com\/pt\/pare-os-fraudadores-em-seu-caminho\/\" class=\"_self pt-cv-readmore btn btn-success cvplbd\" target=\"_self\" data-iw=\"200\" data-ih=\"100\">Leia mais<\/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=\"870\"><div class='pt-cv-ifield'><a 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A tecnologia moderna, apoiada por dados em expans\\u00e3o e a crescente ado\\u00e7\\u00e3o de an\\u00e1lises avan\\u00e7adas como IA\\\/ML, est\\u00e1 mudando a maneira como o mercado determina quem recebe cr\\u00e9dito.<\\\/p>\\n\n\n<p><strong>De acordo com o IDC, espera-se que os gastos com tecnologia em sistemas de IA aumentem para US$ 27,7 bilh\\u00f5es em 2025 (de US$ 11,7 bilh\\u00f5es em 2021).<\\\/strong><\\\/p>\\n\n\n<p>Confira o recente estudo Technology Spotlight do IDC, focado na maneira como os avan\\u00e7os tecnol\\u00f3gicos e novas fontes de dados, incluindo dados alternativos, est\\u00e3o ultrapassando os limites do empr\\u00e9stimo.<\\\/p>\\n\n\n<p><strong>Principais Destaques:<\\\/strong><\\\/p>\\n\n\n<ul>\\n\n\n<li>Como a IA, juntamente com fontes de dados novas e variadas, permite decis\\u00f5es de risco mais precisas<\\\/li>\\n\n\n<li>Como os mutu\\u00e1rios, incluindo consumidores n\\u00e3o bancarizados\\\/sub-bancarizados, se beneficiam das decis\\u00f5es de risco baseadas em IA, incluindo integra\\u00e7\\u00e3o mais r\\u00e1pida e uma experi\\u00eancia aprimorada do cliente<\\\/li>\\n\n\n<li>Como os credores podem garantir taxas de aprova\\u00e7\\u00e3o de empr\\u00e9stimos mais altas, detec\\u00e7\\u00e3o de fraude aprimorada e perdas de cr\\u00e9dito reduzidas<\\\/li>\\n<\\\/ul>\",\"margin\":\"default\"}},{\"type\":\"html\",\"props\":{\"content\":\"\n\n<div style=\\\"position:relative;padding-top:max(300%,326px);height:0;width:100%\\\"><iframe allow=\\\"clipboard-write\\\" sandbox=\\\"allow-top-navigation allow-top-navigation-by-user-activation allow-downloads allow-scripts allow-same-origin allow-popups allow-modals allow-popups-to-escape-sandbox allow-forms\\\" allowfullscreen=\\\"true\\\" style=\\\"position:absolute;border:none;width:100%;height:100%;left:0;right:0;top:0;bottom:0;\\\" src=\\\"https:\\\/\\\/e.issuu.com\\\/embed.html?backgroundColor=%23120226&backgroundColorFullscreen=%23120226&d=telco_infographic-pt&hideIssuuLogo=true&u=provenir\\\"><\\\/iframe><\\\/div>\"}}]},{\"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\":\"Fa\\u00e7a o Download Agora\",\"text_align\":\"center\",\"title_element\":\"h3\",\"title_style\":\"h3\"}},{\"type\":\"html\",\"props\":{\"content\":\"<iframe src=\\\"https:\\\/\\\/go.provenir.com\\\/l\\\/730213\\\/2022-12-12\\\/88l9pq\\\" width=\\\"100%\\\" height=\\\"500px\\\" type=\\\"text\\\/html\\\" frameborder=\\\"0\\\" allowtransparency=\\\"true\\\" style=\\\"border: 0\\\"><\\\/iframe>\"}}]}],\"props\":{\"layout\":\"2-3,1-3\"}}]},{\"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\"},\"children\":[{\"type\":\"headline\",\"props\":{\"class\":\"uk-text-uppercase\",\"content\":\"<strong>infogr\\u00e1ficos mais recentes<\\\/strong>\",\"margin\":\"default\",\"margin_remove_top\":true,\"title_color\":\"background\",\"title_decoration\":\"line\",\"title_element\":\"div\",\"title_style\":\"text-large\"}},{\"type\":\"html\",\"props\":{\"content\":\"[pt_view id=\\\"75eb599e7q\\\"]\"},\"name\":\"Block - Blog filter\"}]}]}],\"name\":\"PTBR - Block - filter Infographics\",\"yooessentialsVersion\":\"2.2.31\"}],\"version\":\"4.5.0\",\"yooessentialsVersion\":\"2.2.20\"} --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Com a IA e dados alternativos, os empr\u00e9stimos est\u00e3o evoluindo rapidamente. 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