{"id":33146,"date":"2026-08-19T00:00:00","date_gmt":"2026-08-19T00:00:00","guid":{"rendered":"https:\/\/angelboss.com.br\/2026\/08\/19\/335771-inadimplencia-alta-nao-freia-avanco-do-credito-proprio\/"},"modified":"2026-08-19T00:00:00","modified_gmt":"2026-08-19T00:00:00","slug":"335771-inadimplencia-alta-nao-freia-avanco-do-credito-proprio","status":"publish","type":"post","link":"http:\/\/angelboss.com.br\/en\/2026\/08\/19\/335771-inadimplencia-alta-nao-freia-avanco-do-credito-proprio\/","title":{"rendered":"Inadimpl\u00eancia alta n\u00e3o freia avan\u00e7o do cr\u00e9dito pr\u00f3prio"},"content":{"rendered":"<p>O varejo brasileiro vive um cen\u00e1rio de contrastes. De um lado, o pa\u00eds registra n\u00edveis elevados de inadimpl\u00eancia entre consumidores e empresas. Do outro, o setor continua buscando alternativas para estimular vendas, aumentar a recorr\u00eancia de compra e fortalecer o relacionamento com os clientes. Nesse movimento, o cr\u00e9dito pr\u00f3prio ganha espa\u00e7o como uma ferramenta estrat\u00e9gica para os varejistas.<\/p>\n<p>Em maio de 2026, o Brasil chegou a 83,5 milh\u00f5es de consumidores inadimplentes, segundo a <a rel=\"follow\" href=\"https:\/\/www.serasaexperian.com.br\/conteudos\/boletim-economico-de-julho-26\/?utm_source\">Serasa Experian<\/a>. O n\u00famero equivale ao maior patamar da s\u00e9rie hist\u00f3rica, com cada consumidor negativado concentrando, em m\u00e9dia, cerca de quatro d\u00edvidas e um valor aproximado de R$ 6.877,23.<\/p>\n<p>O cen\u00e1rio tamb\u00e9m \u00e9 desafiador para as empresas. No mesmo m\u00eas, mais de 9 milh\u00f5es de CNPJs estavam negativados, acumulando R$ 229,9 bilh\u00f5es em d\u00edvidas. Em m\u00e9dia, cada empresa inadimplente possu\u00eda sete contas em atraso, com d\u00edvida m\u00e9dia de R$ 25.494,08.<\/p>\n<p>Apesar das dificuldades, o com\u00e9rcio mant\u00e9m espa\u00e7o para crescimento. Segundo a Pesquisa Mensal de Com\u00e9rcio (<a rel=\"follow\" href=\"https:\/\/agenciadenoticias.ibge.gov.br\/agencia-sala-de-imprensa\/2013-agencia-de-noticias\/releases\/47585-em-maio-vendas-no-varejo-variam-0-1-1?utm_source\">PMC<\/a>), do Instituto Brasileiro de Geografia e Estat\u00edstica (IBGE), o volume de vendas do varejo acumulava alta de 1,7% em 2026 at\u00e9 maio e crescimento de 1,4% nos 12 meses encerrados em maio. Na compara\u00e7\u00e3o com maio de 2025, houve avan\u00e7o de 0,4%.<\/p>\n<p>\u00c9 nesse ambiente que o cr\u00e9dito pr\u00f3prio passa a ser encarado pelo varejo n\u00e3o apenas como uma forma de facilitar o pagamento, mas como uma ferramenta para ampliar vendas, fidelizar consumidores e criar novas possibilidades de relacionamento.<\/p>\n<p>&quot;O cr\u00e9dito pr\u00f3prio deixou de ser apenas uma ferramenta para facilitar o pagamento. Hoje, ele pode fazer parte da estrat\u00e9gia do varejista, permitindo conhecer melhor o consumidor, oferecer uma condi\u00e7\u00e3o adequada ao seu perfil e, ao mesmo tempo, criar novas oportunidades de relacionamento e gera\u00e7\u00e3o de receita&quot;, afirma Andr\u00e9 Maniezo, CEO da INFOX Payments.<\/p>\n<p><strong>Tecnologia muda a l\u00f3gica da concess\u00e3o<\/strong><\/p>\n<p>Durante d\u00e9cadas, o cr\u00e9dito pr\u00f3prio esteve associado principalmente aos cart\u00f5es private label e aos tradicionais cart\u00f5es de loja. A digitaliza\u00e7\u00e3o, entretanto, vem amplificando esse conceito, incorporando ferramentas de automa\u00e7\u00e3o, an\u00e1lise de dados, intelig\u00eancia artificial e integra\u00e7\u00e3o de servi\u00e7os financeiros.<\/p>\n<p>O avan\u00e7o do <a href=\"https:\/\/www.bcb.gov.br\/estabilidadefinanceira\/openfinance?utm_source=\">Open Finance<\/a> \u00e9 parte dessa transforma\u00e7\u00e3o. Segundo o <a href=\"https:\/\/bcb.gov.br\/detalhenoticia\/20813\/noticia?utm_source=\">Banco Central<\/a>, o ecossistema j\u00e1 alcan\u00e7ou dezenas de milh\u00f5es de contas conectadas e segue ampliando as possibilidades de compartilhamento de informa\u00e7\u00f5es financeiras mediante autoriza\u00e7\u00e3o dos clientes. Em agosto de 2025, o BC informou que o sistema contava com 103 milh\u00f5es de autoriza\u00e7\u00f5es ativas de compartilhamento de dados, envolvendo 68 milh\u00f5es de contas.<\/p>\n<p>A infraestrutura continua evoluindo em 2026. Em abril, o Banco Central publicou a vers\u00e3o 7.0 do Manual de Escopo de Dados e Servi\u00e7os do Open Finance, ampliando e atualizando as especifica\u00e7\u00f5es do ecossistema.<\/p>\n<p>&quot;Quando conseguimos combinar dados, tecnologia e conhecimento da opera\u00e7\u00e3o do varejo, a an\u00e1lise deixa de depender apenas de informa\u00e7\u00f5es tradicionais. O objetivo passa a ser entender melhor o comportamento e o momento daquele consumidor para tomar uma decis\u00e3o mais adequada&quot;, diz Maniezo.<\/p>\n<p>Para o executivo, a transforma\u00e7\u00e3o tecnol\u00f3gica n\u00e3o significa simplesmente aumentar a quantidade de cr\u00e9dito dispon\u00edvel, mas melhorar a qualidade das decis\u00f5es.<\/p>\n<p>&quot;O grande desafio n\u00e3o \u00e9 simplesmente conceder mais cr\u00e9dito. \u00c9 conceder melhor. Quando falamos de automa\u00e7\u00e3o, dados e intelig\u00eancia na tomada de decis\u00e3o, estamos falando de buscar equil\u00edbrio entre a oportunidade de venda para o varejista e uma oferta que fa\u00e7a sentido para o consumidor&quot;, finaliza.<\/p>\n<p><img src='https:\/\/api.dino.com.br\/v2\/news\/tr\/335771?partnerId=4593' alt=\"\" style=\"border:0px;width:1px;height:1px;\" \/><\/p>","protected":false},"excerpt":{"rendered":"<p>Digitaliza\u00e7\u00e3o, an\u00e1lise de dados e Open Finance ampliam possibilidades de concess\u00e3o de cr\u00e9dito; para Andr\u00e9 Maniezo, da INFOX Payments, varejistas entram em uma nova fase da oferta de servi\u00e7os financeiros<\/p>","protected":false},"author":3,"featured_media":33147,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_angie_page":false,"page_builder":"","footnotes":""},"categories":[315],"tags":[336,361,341,324,323],"class_list":["post-33146","post","type-post","status-publish","format-standard","has-post-thumbnail","category-noticias-corporativas-dino","tag-atacado-e-varejo","tag-e-commerce","tag-economia","tag-negocios","tag-tecnologia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - 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