· Movement aims to provide more accessible and secure financial resources to companies
· Greater access to credit lines and better risk assessment are common goals
Serasa Experian, the country's first and largest datatech, has entered into a partnership with CERC, a leader in the receivables registration market, to leverage credit for companies. Together, the companies will promote modalities such as receivables anticipation, credit with guarantees, among others. To get an idea of the potential, in the receivables area, invoices alone, for example, represent a circulation of R$11 trillion annually. The companies' main goal is to jointly use analytical intelligence to create more accurate credit risk assessment solutions that prevent threats to operations in this segment and bring more transparency and security to everyone.
The new solutions will bring benefits to both companies and lenders in Brazil. Small and medium-sized businesses, for example, will be able to access more credit at a fairer cost, which can unlock underexplored business potential, such as receivables anticipation. CERC, a specialist in receivables, is partnering with Serasa Experian to build a more powerful, comprehensive and democratic agenda and, with this, accelerate the broader adoption of credit with receivables guarantees in the market.
For Valdemir Bertolo, CEO of Serasa Experian, “it is essential to continue innovating with solutions that protect the entire credit cycle and add value by fostering new business. The combination of expertise in analytical intelligence will allow, for example, the personalization of a financial institution’s credit offers for companies with predictive analyses and more efficient continuous monitoring. We are confident in the potential of the partnership”, adds the executive.
“There is a great opportunity to foster the production chain in a more assertive manner, improving the commercial conditions offered in the accounts payable and receivable processes. We want to turn receivables into real and available collateral,” explains Fernando Fontes, CEO of CERC. Regarding invoices, the executive emphasizes that the solution will offer the financial and capital markets the possibility of improving the qualification and monitoring of the asset, optimizing its assessments with a series of essential and unprecedented indicators. “Invoices represent the most abundant asset in the economy, but their potential is limited by information asymmetry and lack of legal and operational security. Correcting this gap will bring benefits not only to small companies, but also to large ones,” concludes Fernando Fontes.
Serasa Experian
Serasa Experian is the first and largest Datatech in Brazil. A leader in intelligence solutions for analyzing risks and opportunities, focusing on credit journeys, authentication and fraud prevention. With cutting-edge technology, innovation and the best talent, it transforms the uncertainty of risk into the best decision, helping people achieve their dreams and companies of all sizes and segments to prosper.
Created in 1968, Serasa became part of the Experian Company in 2007, a global company headquartered in London. It is currently responsible for more than 6.5 million daily queries about companies and consumers and protects more than 2.2 billion commercial transactions every year.
Empowers consumers with financial education, facilitating access to fair credit. Helps companies of all sizes and segments to make better decisions, on several fronts to: find new customers, manage current ones more efficiently, grant credit or sell on credit safely, comply with ESG standards, authenticate its customers and prevent fraud, and also charge them at the ideal time, without impacting the relationship.
With the purpose of creating a better future for everyone by expanding opportunities for people and companies, the company trains people in the technology area and promotes small businesses and startups with social impact through its own free programs. It is considered a LinkedIn Top Company and one of the best companies to work for, recognized by GPTW. It is also the most innovative service company in the country, certified by the Valor Inovação Brasil Award.
expert
Experian is a global data and technology company that creates opportunity for people and drives businesses around the world. We facilitate credit journeys, authenticate and prevent fraud, streamline healthcare processes, provide digital marketing solutions, and help drive insights for the automotive industry, all using innovative combinations of our data, analytics, and software. We also help millions of people achieve their financial goals and save time and money.
We operate in a variety of markets, going beyond financial services and operating in the automotive, agribusiness, healthcare, insurance and many other industry segments. To continue innovating, we invest in talented people and advanced technology to unlock the power of data.
Headquartered in Dublin, Ireland, we are a FTSE 100 company listed on the London Stock Exchange (EXPN) and have a team of 22,500 people across 32 countries. Find out more at experianplc.com.
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