{"id":34244,"date":"2026-08-27T00:00:00","date_gmt":"2026-08-27T00:00:00","guid":{"rendered":"https:\/\/angelboss.com.br\/2026\/08\/27\/336064-varejo-recorre-a-habitos-de-compra-para-conceder-credito\/"},"modified":"2026-08-27T00:00:00","modified_gmt":"2026-08-27T00:00:00","slug":"336064-varejo-recorre-a-habitos-de-compra-para-conceder-credito","status":"publish","type":"post","link":"http:\/\/angelboss.com.br\/en\/2026\/08\/27\/336064-varejo-recorre-a-habitos-de-compra-para-conceder-credito\/","title":{"rendered":"Varejo recorre a h\u00e1bitos de compra para conceder cr\u00e9dito"},"content":{"rendered":"<p>Com o recorde de 83,5 milh\u00f5es de brasileiros em situa\u00e7\u00e3o de inadimpl\u00eancia em 2026, de acordo com um levantamento do <a rel=\"follow\" href=\"https:\/\/cdn.builder.io\/o\/assets%2Fb212bb18f00a40869a6cd42f77cbeefc%2F6ef2dd61840043cfab985e376600ab1d?alt=media&amp;token=942b4650-4fc9-4c55-9408-cb69108056ec&amp;apiKey=b212bb18f00a40869a6cd42f77cbeefc\"><strong>Serasa<\/strong><\/a>, o poder de compra das fam\u00edlias sofreu uma expressiva retra\u00e7\u00e3o. No varejo alimentar, o estudo de Peic ainda revela que 70% dos brasileiros que v\u00e3o ao supermercado n\u00e3o conseguem exercer plenamente sua necessidade ou desejo de compra.<\/p>\n<p>O cen\u00e1rio imp\u00f5e ao setor o desafio de expandir a oferta de cr\u00e9dito com seguran\u00e7a para consumidores informais ou com m\u00faltiplas fontes de renda. Diante das limita\u00e7\u00f5es das an\u00e1lises tradicionais restritas ao hist\u00f3rico financeiro do CPF, empresas de tecnologia financeira v\u00eam desenvolvendo modelos alternativos baseados nos dados operacionais das pr\u00f3prias redes.<\/p>\n<p>Nessa linha, a Rock Encantech, empresa refer\u00eancia em conhecimento do consumidor e solu\u00e7\u00f5es de relacionamento para o varejo e a ind\u00fastria, estruturou o<strong>&nbsp;&quot;Score de Consumo&quot;<\/strong>, solu\u00e7\u00e3o que analisa a frequ\u00eancia de compras, a composi\u00e7\u00e3o da cesta e o hist\u00f3rico de relacionamento do cliente com o estabelecimento para complementar as ferramentas convencionais de cr\u00e9dito.<\/p>\n<p>&quot;Enquanto o modelo convencional parte de dados financeiros externos para avaliar um CPF, a solu\u00e7\u00e3o da Rock Encantech parte de dentro para fora. Na pr\u00e1tica, n\u00f3s analisamos primeiro o que o cliente consome, como ele paga, qual \u00e9 o seu momento de vida e, a partir disso, ajudamos a definir a real necessidade e capacidade de cr\u00e9dito daquele consumidor&quot;, explica <strong>Elinton Bobrik, co-fundador da Rock Encantech.<\/strong><\/p>\n<p><strong>Do carrinho ao score: como funciona o modelo<\/strong><\/p>\n<p>Segundo a <a rel=\"follow\" href=\"https:\/\/rockencantech.com.br\/\">Rock Encantech<\/a>, o Score de Consumo \u00e9 organizado em tr\u00eas etapas. Na primeira, a partir da identifica\u00e7\u00e3o do cliente nos canais do varejista, s\u00e3o analisados dados relacionados ao hist\u00f3rico de compras. A ferramenta considera informa\u00e7\u00f5es que podem indicar caracter\u00edsticas como composi\u00e7\u00e3o familiar, momento de vida e h\u00e1bitos de consumo.<\/p>\n<p>Na segunda fase, esses dados s\u00e3o utilizados para a defini\u00e7\u00e3o do limite de cr\u00e9dito. O objetivo \u00e9 estabelecer uma rela\u00e7\u00e3o entre o perfil de consumo identificado e o valor disponibilizado ao cliente. J\u00e1 a terceira frente diz respeito ao relacionamento do consumidor com o varejista. A solu\u00e7\u00e3o contempla diferentes n\u00edveis de intera\u00e7\u00e3o a partir da base de clientes, do aplicativo e do cart\u00e3o, com benef\u00edcios vinculados a cada etapa da jornada.<\/p>\n<p>Para o varejista, a utiliza\u00e7\u00e3o desses dados tamb\u00e9m est\u00e1 relacionada \u00e0 estrat\u00e9gia comercial. A <a rel=\"follow\" href=\"https:\/\/rockencantech.com.br\/\">Rock Encantech<\/a> considera que o cr\u00e9dito pode ser integrado a mecanismos de fideliza\u00e7\u00e3o e aos canais digitais utilizados pelos consumidores. &quot;Todos esses produtos representam uma nova fonte de receita com margens atrativas, aumento da fideliza\u00e7\u00e3o dos shoppers, fortalecimento do aplicativo e equipara\u00e7\u00e3o competitiva com as grandes plataformas digitais. J\u00e1 os consumidores passam a ter acesso a cr\u00e9dito adequado e justo, al\u00e9m de contar com um limite adequado \u00e0s suas necessidades de compra&quot;, afirma Bobrik.<\/p>\n<p><strong>Sobre a Rock Encantech<\/strong><\/p>\n<p>A <a rel=\"follow\" href=\"https:\/\/rockencantech.com.br\/\">Rock Encantech<\/a> \u00e9 um ecossistema de solu\u00e7\u00f5es que conecta dados, tecnologia e relacionamento para transformar o conhecimento do cliente em valor real para neg\u00f3cios e consumidores.&nbsp;Com mais de 130 milh\u00f5es de consumidores cadastrados em sua base, atua em toda a Am\u00e9rica Latina com estrat\u00e9gias de engajamento B2B2C que combinam intelig\u00eancia artificial, ci\u00eancia do consumo e automa\u00e7\u00e3o para personalizar jornadas e maximizar resultados.&nbsp;<\/p>\n<p>Guiada pelo conceito de Return on Customer Knowledge (Retorno Sobre o Conhecimento do Cliente), a empresa acredita que entender profundamente o consumidor \u00e9 o primeiro passo para gerar conex\u00f5es. Ao entregar solu\u00e7\u00f5es completas em dados, m\u00eddia, fideliza\u00e7\u00e3o e insights acion\u00e1veis, ajuda empresas a entenderem, engajarem e encantarem seus p\u00fablicos com mais precis\u00e3o e impacto.&nbsp;<\/p>\n<p><img src='https:\/\/api.dino.com.br\/v2\/news\/tr\/336064?partnerId=4593' alt=\"\" style=\"border:0px;width:1px;height:1px;\" \/><\/p>","protected":false},"excerpt":{"rendered":"<p>Rock Encantech apresentou, na FEBRABAN TECH 2026, a solu\u00e7\u00e3o \u201cScore de consumo\u201d, que emprega dados de h\u00e1bitos de compra para definir limites de cr\u00e9dito. A proposta surge diante de \u00edndices recorde de endividamento no Brasil, com 83,5 milh\u00f5es de consumidores negativados segundo a Serasa e 80,4% das fam\u00edlias endividadas conforme pesquisa da CNC.<\/p>","protected":false},"author":3,"featured_media":34245,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_angie_page":false,"page_builder":"","footnotes":""},"categories":[315],"tags":[336,361,324,340,323],"class_list":["post-34244","post","type-post","status-publish","format-standard","has-post-thumbnail","category-noticias-corporativas-dino","tag-atacado-e-varejo","tag-e-commerce","tag-negocios","tag-startups","tag-tecnologia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Varejo recorre a h\u00e1bitos de compra para conceder cr\u00e9dito - Portal Masculino de Moda, Beleza, Luxo and Business - Angel Boss<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/angelboss.com.br\/en\/2026\/08\/27\/336064-varejo-recorre-a-habitos-de-compra-para-conceder-credito\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Varejo recorre a h\u00e1bitos de compra para conceder cr\u00e9dito - Portal Masculino de Moda, Beleza, Luxo and Business - Angel Boss\" \/>\n<meta property=\"og:description\" content=\"Rock Encantech apresentou, na FEBRABAN TECH 2026, a solu\u00e7\u00e3o \u201cScore de consumo\u201d, que emprega dados de h\u00e1bitos de compra para definir limites de cr\u00e9dito. 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