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Benjamin Williams
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As I’ve discussed here before, a key challenge we face in Latin America is our low rate of banking penetration. Common barriers for unbanked consumers include high fees, long distances for those in remote cities to the nearest bank branch, and lack of proof of income or a fixed address.... Continue reading
Posted Aug 1, 2012 at Banking Analytics Blog
As part of our collections and recovery webinar series, we’ve been polling C&R professionals about their top impediments to improving collections performance (something I’ve blogged about before). During our recent Gaining Speed to Market with Best Practice Collections Automation webinar, we asked participants what was stopping them from implementing capabilities... Continue reading
Posted Jul 5, 2012 at Banking Analytics Blog
The Brazilian newspaper O Estado de S. Paulo recently reported that 25% of Brazilian families dedicate more than a third of their income toward debt payment. While a surprising statistic, it makes more sense once you realize that most have modest discretionary income. On average, 70% of income is tied... Continue reading
Posted Jun 27, 2012 at Banking Analytics Blog
Last year, Brazilian banks lost half a billion dollars to electronic fraud, according to the latest figures from the Brazilian Banks Federation (Febraban). Febraban plans to disclose full details at its CIAB 2012 event next month, but clearly, electronic fraud is a growing concern. Indeed, that figure is a 30%... Continue reading
Posted Jun 12, 2012 at Banking Analytics Blog
At a recent collections and recovery webinar that I co-presented, I polled attendees to find out what area they felt could be improved to drive the biggest C&R gains. An overwhelming 50% said it was technology. Process also emerged as a key theme, coming in second at 18.2%. These results... Continue reading
Posted Apr 12, 2012 at Banking Analytics Blog
Cards International recently published a country survey of Colombia and its potential for banking growth. They note that banks are profitable there and have low levels of non-performing loans. The banking industry appears to be poised for expansion in a market where only 57.6% of the 45 million people have... Continue reading
Posted Apr 12, 2012 at Banking Analytics Blog
My colleagues have been blogging about the increasing adoption of chip and PIN technologies for credit and debit cards. This has taken place in many European countries, resulting in a 60% drop in counterfeit card fraud. We're also seeing this shift in Latin America, especially in Brazil, where all the... Continue reading
Posted Feb 9, 2012 at Banking Analytics Blog
After decades of very low banking penetration, the Peruvian banking market appears to be poised for growth. Up to now, around 70% of Peruvians have been outside of the official banking system, making banking penetration one of the lowest in Latin America. Why? Few have a regular job, and most... Continue reading
Posted Dec 8, 2011 at Banking Analytics Blog
During an October seminar about Electronic Crimes and Methods of Protection, the Federation of Goods, Services, and Tourism of the State of São Paulo (Fecomercio-SP) shared grim news on the state of electronic fraud in Brazil. A survey by the agency, which consists of retailers and service companies in the... Continue reading
Posted Oct 22, 2011 at Banking Analytics Blog
The Brazilian Banks Federation (Febraban) recently released data from a survey revealing that losses caused by electronic fraud are on the rise. These losses totaled R$ 685 million (US$ 460 million) from January to June this year, up from R$ 504 million (US$ 340 million) for the same period last... Continue reading
Posted Oct 10, 2011 at Banking Analytics Blog
Although the use of positive bureau data for credit decisions is quite new in Latin America, it’s gaining increased visibility. In Brazil, a bill creating a positive bureau was signed by president Dilma Rousseff just months ago, after an eight-year fight. The bill will take time to be fully implemented,... Continue reading
Posted Sep 15, 2011 at Banking Analytics Blog
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Aug 30, 2011