{"id":7079,"date":"2026-01-08T00:00:00","date_gmt":"2026-01-08T00:00:00","guid":{"rendered":"https:\/\/angelboss.com.br\/2026\/01\/08\/324436-fintechs-e-marketplaces-transformam-mercado-de-credito\/"},"modified":"2026-01-08T00:00:00","modified_gmt":"2026-01-08T00:00:00","slug":"324436-fintechs-e-marketplaces-transformam-mercado-de-credito","status":"publish","type":"post","link":"http:\/\/angelboss.com.br\/en\/2026\/01\/08\/324436-fintechs-e-marketplaces-transformam-mercado-de-credito\/","title":{"rendered":"Fintechs e marketplaces transformam mercado de cr\u00e9dito"},"content":{"rendered":"<p>O mercado de cr&eacute;dito no Brasil passa por um momento positivo, com destaque para as fintechs. Essas institui&ccedil;&otilde;es tiveram um aumento de 68% no volume de cr&eacute;dito concedido entre 2023 e 2024. J&aacute; o crescimento de clientes que s&atilde;o pessoas jur&iacute;dicas foi de 67%, segundo uma <a href=\"https:\/\/www.pwc.com.br\/pt\/estudos\/setores-atividade\/financeiro\/2025\/pesquisa-fintechs-de-credito-digital-2025.html\">pesquisa<\/a> da PwC Brasil e da Associa&ccedil;&atilde;o Brasileira de Cr&eacute;dito Digital (ABCD).<\/p>\n<p>Jun&ccedil;&atilde;o de &ldquo;financial&rdquo; (financeiro) com &ldquo;technology&rdquo; (tecnologia), o termo &ldquo;fintech&rdquo; &eacute; usado para descrever empresas que usam tecnologia para oferecer servi&ccedil;os financeiros de forma mais simples, r&aacute;pida e barata do que os modelos tradicionais, como bancos.<\/p>\n<p>S&eacute;rgio Sadok, COO da empresa de servi&ccedil;os financeiros BKOpen, afirma que as fintechs especializadas em concess&atilde;o de cr&eacute;dito digital t&ecirc;m favorecido uma transforma&ccedil;&atilde;o no mercado brasileiro.<\/p>\n<p>De acordo com o executivo, isso est&aacute; n&atilde;o s&oacute; aumentando a participa&ccedil;&atilde;o das fintechs no mercado, mas tamb&eacute;m exercendo press&atilde;o competitiva sobre bancos tradicionais, especialmente em segmentos de cr&eacute;dito de menor valor e consumo.<\/p>\n<p>&quot;As fintechs ampliaram suas bases de clientes, com milh&otilde;es de usu&aacute;rios individuais e empresariais acessando cr&eacute;dito digital, muitas vezes de forma mais r&aacute;pida do que nos bancos tradicionais&quot;, afirma Sadok.<\/p>\n<p>O executivo menciona que a digitaliza&ccedil;&atilde;o est&aacute; ampliando a presen&ccedil;a do cr&eacute;dito em servi&ccedil;os integrados dentro de&nbsp;marketplaces, plataformas e&nbsp;super apps (aplicativos com m&uacute;ltiplos servi&ccedil;os e funcionalidades). Com isso, criam-se experi&ecirc;ncias financeiras completas em uma &uacute;nica interface digital.<\/p>\n<p>&quot;Fintechs e plataformas digitais est&atilde;o oferecendo cr&eacute;dito diretamente dentro de&nbsp;marketplaces ou ecossistemas digitais, reduzindo intermedi&aacute;rios e conectando oferta e demanda de forma mais direta&quot;, pontua ele.<\/p>\n<p>O executivo explica que a <a href=\"https:\/\/valor.globo.com\/patrocinado\/dino\/noticia\/2025\/12\/05\/marketplace-da-bkopen-traz-ofertas-personalizadas-1.ghtml\">BKOpen desenvolveu um marketplace<\/a> que segue o modelo do <a href=\"https:\/\/www.bcb.gov.br\/estabilidadefinanceira\/openfinance\">Open Finance<\/a>, no qual o cliente acessa todas as ofertas dispon&iacute;veis em um s&oacute; local e tem autonomia de escolher a op&ccedil;&atilde;o financeira mais adequada ao seu perfil.<\/p>\n<p>&quot;O sistema tamb&eacute;m permite obter informa&ccedil;&otilde;es do cliente para oferecer condi&ccedil;&otilde;es e solu&ccedil;&otilde;es mais personalizadas e adequadas &agrave;s necessidades espec&iacute;ficas de cada um&quot;, descreve.<\/p>\n<p>Diante de uma maior competi&ccedil;&atilde;o entre bancos tradicionais, fintechs e plataformas digitais, Sadok afirma que o BKOpen tem adotado algumas estrat&eacute;gias para se diferenciar e aumentar seu valor na cadeia de cr&eacute;dito. O investimento em intelig&ecirc;ncia artificial (IA) combinada com interface de programa&ccedil;&atilde;o de aplica&ccedil;&otilde;es (API, a &ldquo;ponte&rdquo; que permite que sistemas diferentes se comuniquem) &eacute; um exemplo.<\/p>\n<p>&quot;Nossa ideia &eacute; atingir o autoatendimento completo: o cliente acessar a plataforma, ser atendido por IA, que entender&aacute; seu perfil e ir&aacute; auxili&aacute;-lo numa jornada de solicita&ccedil;&atilde;o e avalia&ccedil;&atilde;o do produto via API. A qualquer hora do dia, em qualquer dia da semana, ele contratar&aacute; sozinho o produto que desejar&quot;, detalha Sadok.<\/p>\n<p>O uso de IA vem se mostrando uma tend&ecirc;ncia forte, ao menos, desde 2024, quando 50% das institui&ccedil;&otilde;es financeiras j&aacute; adotavam essa tecnologia para a concess&atilde;o de cr&eacute;dito. O dado consta em um estudo conduzido pela empresa Cinnecta e divulgado pela <a href=\"https:\/\/finsidersbrasil.com.br\/ia\/ia-e-adotada-por-50-das-instituicoes-financeiras-para-concessao-de-credito\/\"><em>Finsiders Brasil<\/em><\/a>.<\/p>\n<p>Sadok comenta que o ambiente financeiro brasileiro exige das empresas um equil&iacute;brio constante entre inova&ccedil;&atilde;o, tecnologia, seguran&ccedil;a e conformidade regulat&oacute;ria.<\/p>\n<p>Entre os principais desafios, ele cita a necessidade de permanente adequa&ccedil;&atilde;o &agrave;s regras do Banco Central e do Conselho Monet&aacute;rio Nacional, &agrave; Lei Geral de Prote&ccedil;&atilde;o de Dados (LGPD) e a ado&ccedil;&atilde;o de medidas de preven&ccedil;&atilde;o &agrave; lavagem de dinheiro e de seguran&ccedil;a cibern&eacute;tica.<\/p>\n<p>&quot;A combina&ccedil;&atilde;o de tecnologia, transpar&ecirc;ncia e foco no cliente &eacute; o caminho para democratizar o acesso ao cr&eacute;dito e promover a inclus&atilde;o financeira no Brasil. Com isso, ser&aacute; poss&iacute;vel criar um ecossistema mais justo, eficiente e conectado, onde todos possam encontrar as melhores ofertas para suas necessidades financeiras, de forma simples, segura e personalizada&quot;, defende o COO da BKOpen.<\/p>\n<p>Para saber mais, basta acessar o site da BKOpen: <a href=\"https:\/\/bkopen.com\/\">https:\/\/bkopen.com\/<\/a><\/p>\n<p><img src='https:\/\/api.dino.com.br\/v2\/news\/tr\/324436?partnerId=4593' alt=\"\" style=\"border:0px;width:1px;height:1px;\" \/><\/p>","protected":false},"excerpt":{"rendered":"<p>Digitaliza\u00e7\u00e3o est\u00e1 ampliando a presen\u00e7a do cr\u00e9dito em servi\u00e7os integrados dentro de marketplaces, plataformas e super apps, afirma S\u00e9rgio Sadok, COO da BKOpen. Nesse contexto, as fintechs aumentaram a base de clientes, diz o executivo<\/p>","protected":false},"author":3,"featured_media":7080,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[315],"tags":[336,342,324,340,323],"class_list":{"0":"post-7079","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-noticias-corporativas-dino","8":"tag-atacado-e-varejo","9":"tag-empreendedorismo","10":"tag-negocios","11":"tag-startups","12":"tag-tecnologia"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fintechs e marketplaces transformam mercado de 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=\"http:\/\/angelboss.com.br\/en\/2026\/01\/08\/324436-fintechs-e-marketplaces-transformam-mercado-de-credito\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fintechs e marketplaces transformam mercado de cr\u00e9dito - Portal Masculino de Moda, Beleza, Luxo and Business - Angel Boss\" \/>\n<meta property=\"og:description\" content=\"Digitaliza\u00e7\u00e3o est\u00e1 ampliando a presen\u00e7a do cr\u00e9dito em servi\u00e7os integrados dentro de marketplaces, plataformas e super apps, afirma S\u00e9rgio Sadok, COO da BKOpen. 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