Como bancos usam dados para escolher clientes para crédito

Bancos usam dados para definir quais clientes podem receber determinadas ofertas de crédito.

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Em vez de oferecer o mesmo produto para todos, as instituições podem definir previamente o perfil que procuram.

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Para isso, o banco informa à Serasa quais características deseja encontrar entre os consumidores.

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A Serasa utiliza seus dados para identificar consumidores que correspondam aos critérios definidos pela instituição.

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O modelo permite que os bancos direcionam ofertas de crédito para públicos considerados mais adequados.

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A Serasa também mantém uma plataforma com mais de 100 milhões de brasileiros cadastrados.

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No aplicativo, os usuários podem consultar o score, acompanhar contas e contratar produtos financeiros.

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A plataforma também permite negociar dívidas e reúne ofertas de mais de 2 mil credores.

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Assim, os dados participam de diferentes etapas da relação entre instituições financeiras e consumidores.

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Veja este e outros webstories em: TIMESBRASIL.COM.BR

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