Open banking pode incluir 4,6 milhões de pessoas no mercado de crédito, diz Serasa
O open banking, ou sistema financeiro aberto, tem o potencial de incluir 4,6 milhões de pessoas no mercado de crédito, avalia a Serasa Experian em estudo divulgado nesta quarta-feira. A instituição acrescenta que o instrumento deve beneficiar também aqueles que já têm algum contato com o universo de empréstimos e financiamentos e, assim, pode levar a uma expansão do crédito de até R$ 760 bilhões em dez anos.
“Agregando um conjunto de informações que o open banking passa a disponibilizar, tiramos milhares de pessoas de uma situação mais difícil em termos de acesso à crédito”, afirma Luiz Rabi, economista-chefe da Serasa. “Isso tem um benefício enorme para os brasileiros que hoje não conseguem ter acesso adequado a esse mercado.”
A pesquisa foi realizada em março e analisou uma amostra de 15 mil pessoas inscritas no cadastro positivo em todas as regiões. A ideia era entender quantos consumidores poderiam ser inseridos no mercado de crédito com as novas possibilidades de compartilhamento de informações criadas a partir do desenvolvimento do sistema pelo Banco Central (BC).
Além disso, Rabi explica que o open banking deve ajudar a melhorar o processo de análise da capacidade de pagamento e a criar um “score” mais completo, beneficiando também as pessoas que já têm algum acesso ao crédito.
A expectativa é de elevação média de 49% na estimativa da capacidade de pagamento mensal do consumidor, de R$ 929 para R$ 1.391. “Há hoje no mercado uma subavaliação da realidade de pagamentos das pessoas e com o open banking isso fica melhor calculado, mais próximo da realidade.”
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