· New version of the solution improves accuracy by 45% and can unlock up to R$$21 billion in the economy
· In addition to income, companies will be able to access information about payment capacity, commitment and source of income.
· Versions 1 and 2 of the solution will be discontinued by August 2025
Serasa Experian, the first and largest datatech in Brazil, is launching the fourth generation of its income solution, Renda 4.0, which is coming to the market with advanced technology and 45% more assertiveness than the previous version. With this evolution, creditors and companies will have access to more accurate estimates, optimizing credit granting and reducing risks.
The impact of this modernization is significant: the increased accuracy in identifying consumers' disposable income has the potential to free up up to R$1.4T21 billion in credit, equivalent to R$1.81T3T of the national GDP. This new model allows for a more accurate redistribution of profiles into salary ranges consistent with financial reality, promoting a more balanced and inclusive market.
Considering different salary ranges, all had significant increases in accuracy, with some reaching more than 100% increase, especially in the higher income ranges.
“Technology and ongoing updates are essential for a safer and more efficient credit market, bringing benefits to both companies and consumers. With Renda 4.0, we ensure that creditors have access to increasingly accurate and reliable information, reducing defaults and enabling more assertive decisions, while consumers increase their chances of obtaining credit,” says Giresse Contini, Director of Credit Services at Serasa Experian.
In addition to Renda 4.0, Serasa Experian also presents Renda+, a premium version of the product that provides, along with income, payment capacity, the origin of the consumer's income source and the level of income commitment to financial expenses, providing an even more detailed view of the consumer's profile, generating more confidence in the credit analysis.
Renda+ presented in the Serasa Experian Report
Technology and innovation driving credit
The update is part of Serasa Experian's new strategy of continuous and much faster versioning of B2B products, ensuring that companies and financial institutions always have access to the most advanced and effective versions of the solutions. This model allows Serasa Experian customers to have recurring updates that systematically improve their credit analysis and decision-making processes.
Modernization also includes migration to the cloud and integration via APIs, allowing faster and more secure access to solutions. The company has already implemented this approach in products such as Real-Time Score and plans to expand it to its entire product portfolio.
Renda versions 1 and 2 will be discontinued by August 2025, ensuring that all customers are operating with the most modern and efficient solutions.
“We want the credit market to evolve at the same speed as technology. The agile and continuous versioning of our products, as well as the discontinuation of old versions, follows a trend widely used in the market by companies that employ high technology in their solutions. Technology evolves exponentially and companies need to keep up with this advance at the same speed, delivering continuous improvement and incremental revenue to their customers, this is our goal”, concludes Contini.
Methodology
The amount of R$$21 billion refers to the sum of the additional credit potential that could be granted to compliant consumers, according to the additional credit absorption capacity identified by the better assertiveness that the Income 4.0 model allows, when calculating each individual's disposable income.
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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