{"id":1640,"date":"2025-09-02T07:00:00","date_gmt":"2025-09-02T10:00:00","guid":{"rendered":"https:\/\/oppens.com.br\/blog\/?p=1640"},"modified":"2025-08-31T08:35:33","modified_gmt":"2025-08-31T11:35:33","slug":"fintechs-de-credito-em-alta-destaques-do-5o-estudo-pwc-e-abcd-sobre-o-futuro-do-credito-digital-no-brasil","status":"publish","type":"post","link":"https:\/\/oppens.com.br\/blog\/investimentos\/fintechs-de-credito-em-alta-destaques-do-5o-estudo-pwc-e-abcd-sobre-o-futuro-do-credito-digital-no-brasil\/","title":{"rendered":"Fintechs de Cr\u00e9dito em Alta: Destaques do 5\u00ba Estudo PwC e ABCD sobre o Futuro do Cr\u00e9dito Digital no Brasil"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1640\" class=\"elementor elementor-1640\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-39a3c69d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"39a3c69d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9efb8f5\" data-id=\"9efb8f5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5996702b elementor-widget elementor-widget-text-editor\" data-id=\"5996702b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<p>O setor de fintechs de cr\u00e9dito no Brasil nunca esteve t\u00e3o vivo \u2014 e ser\u00e1 protagonista do seu blog. O <strong>5\u00ba Estudo da Associa\u00e7\u00e3o Brasileira de Cr\u00e9dito Digital (ABCD), em parceria com a PwC<\/strong>, divulgado em agosto de 2025, traz uma radiografia clara: fintechs mais maduras, reguladas, tecnol\u00f3gicas \u2014 e confi\u00e1veis. Vamos destrinchar os principais achados de forma direta e mostrar como a <strong>Oppens<\/strong> est\u00e1 no centro desse novo ecossistema.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Crescimento robusto apesar dos ventos contr\u00e1rios<\/strong><\/h3>\n\n\n\n<p>Apesar do cen\u00e1rio adverso \u2014 juros altos, liquidez apertada e instabilidade nos mercados globais \u2014 o setor de fintechs de cr\u00e9dito digital apresentou <strong>crescimento s\u00f3lido em 2024<\/strong>. O volume de cr\u00e9dito concedido saltou para <strong>R$ 35,5 bilh\u00f5es<\/strong>, um expressivo aumento de <strong>68% em rela\u00e7\u00e3o a 2023<\/strong>.<\/p>\n\n\n\n<p>Isso mostra que essas empresas n\u00e3o apenas resistiram \u00e0 press\u00e3o, mas aproveitaram oportunidades para expandir. \u00c9 maturidade pr\u00e1tica, n\u00e3o apenas discurso bonito.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Amplia\u00e7\u00e3o da base de clientes: PF e PJ na mira<\/strong><\/h3>\n\n\n\n<p>A expans\u00e3o n\u00e3o ficou limitada aos n\u00fameros de cr\u00e9dito. A base de clientes cresceu: <strong>67,5 milh\u00f5es de pessoas f\u00edsicas<\/strong> e <strong>mais de 55 mil empresas atendidas<\/strong>.<\/p>\n\n\n\n<p>Como destaques, temos o crescimento de 26% da base PF; 67% da base PJ, com foco forte em micro e pequenas empresas \u2014 que representam 72% das PJ atendidas.<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Regulat\u00f3rio e estrutura mais robustos<\/strong><\/h3>\n\n\n\n<p>O setor tamb\u00e9m se profissionalizou do ponto de vista regulat\u00f3rio e operacional. A edi\u00e7\u00e3o anterior (4\u00ba Estudo, 2023) j\u00e1 mostrava sinais de maturidade, com 58% das fintechs eram consideradas consolidadas, com faturamento ou investimento acima de R$\u202f20 milh\u00f5es; e 46% tinham autoriza\u00e7\u00e3o do Banco Central para atuar como SCD ou SEP \u2014 contra apenas 11% em 2019; outras 8% aguardavam licen\u00e7a.<\/p>\n\n\n\n<p>Isso cria um ambiente mais seguro para investidores e clientes \u2014 e sinaliza que o mercado cresceu tamb\u00e9m em governan\u00e7a.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Inova\u00e7\u00e3o tecnol\u00f3gica como motor estrat\u00e9gico<\/strong><\/h3>\n\n\n\n<p>A tecnologia \u00e9 combust\u00edvel para o setor. No estudo de 2023 (4\u00aa edi\u00e7\u00e3o), <strong>53% das fintechs planejavam investir em intelig\u00eancia artificial nos pr\u00f3ximos dois anos<\/strong>, com foco em aprimorar relacionamento com o cliente via IA generativa.<\/p>\n\n\n\n<p>No 5\u00ba Estudo (2024), esse movimento ficou ainda mais claro: <strong>67% das fintechs j\u00e1 exploram IA<\/strong>, principalmente para automa\u00e7\u00e3o de processos internos e back office; e 52% declararam investir no desenvolvimento de novos produtos, contra 35% na edi\u00e7\u00e3o anterior.<\/p>\n\n\n\n<p>Resumindo: IA n\u00e3o \u00e9 escolha; \u00e9 estrat\u00e9gia necess\u00e1ria para ganhar escala e efici\u00eancia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Modelo de neg\u00f3cios se diversifica \u2013 menos risco, mais alcance<\/strong><\/h3>\n\n\n\n<p>As fintechs mostraram que d\u00e1 para combinar inova\u00e7\u00e3o, crescimento e responsabilidade. A fonte de capital e o tipo de opera\u00e7\u00e3o evolu\u00edram: <strong>46% usam capital pr\u00f3prio como principal fonte de financiamento<\/strong>. As fintechs diversificam os produtos de cr\u00e9dito, ampliam o uso de garantias, reduzem inadimpl\u00eancia e melhoram condi\u00e7\u00f5es \u2014 tudo isso incorporado com intelig\u00eancia.<\/p>\n\n\n\n<p>\u00c9 um ecossistema que cresce sem ficar ref\u00e9m de fundos de risco \u2014 e sim com boas pr\u00e1ticas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. Vis\u00e3o 360\u00b0: o mercado amadurece<\/strong><\/h3>\n\n\n\n<p>Quando olhamos para a trajet\u00f3ria dos estudos, vemos uma evolu\u00e7\u00e3o clara:<\/p>\n\n\n\n<p>Em 2019 (1\u00aa edi\u00e7\u00e3o), as fintechs ainda surgindo, regulat\u00f3rio t\u00edmido, modelo cheio de incertezas. J\u00e1 em 2023 (4\u00aa edi\u00e7\u00e3o), as&nbsp; fintechs consolidadas, base de clientes duplicada, IA como prioridade, regula\u00e7\u00e3o firmando terreno. Por fim, em 2024 (5\u00aa edi\u00e7\u00e3o), h\u00e1 crescimento de 68% no cr\u00e9dito, base PF e PJ bem maior, IA amplamente adotada, estrutura regulat\u00f3ria firme.<\/p>\n\n\n\n<p>\u00c9 um ciclo de amadurecimento que coloca o setor em outro patamar \u2014 e mostra que j\u00e1 estamos em um mercado competitivo e sustent\u00e1vel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7. Oportunidade para a Oppens: protagonista do ecossistema<\/strong><\/h3>\n\n\n\n<p>\u00c9 aqui que voc\u00ea amarra tudo. A <a href=\"https:\/\/www.oppens.com.br\/\"><strong>Oppens<\/strong><\/a> tem papel estrat\u00e9gico em:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ampliar ainda mais o cr\u00e9dito alternativo<\/strong>, com foco em modelos escal\u00e1veis e diversificados.<br><\/li>\n\n\n\n<li>Atuar com <strong>rigor regulat\u00f3rio<\/strong>, aproveitando a estrutura das SCDs, SEPs e plataformas robustas.<br><\/li>\n\n\n\n<li><strong>Investir em IA<\/strong> como diferencial competitivo \u2014 atendimento, an\u00e1lise de cr\u00e9dito, personaliza\u00e7\u00e3o.<br><\/li>\n\n\n\n<li><strong>Atrair investidores com confian\u00e7a<\/strong>, gra\u00e7as \u00e0 governan\u00e7a, transpar\u00eancia e resultados concretos do setor.<br><\/li>\n\n\n\n<li><strong>Ser ponte entre investidores, clientes e garantias alternativas<\/strong>, especialmente em nichos negligenciados pelos bancos.<br><\/li>\n<\/ul>\n\n\n\n<p>Em outras palavras, a Oppens est\u00e1 no centro de um ecossistema que n\u00e3o s\u00f3 cresceu, mas amadureceu \u2014 e agora quer escalar com responsabilidade e impacto.<\/p>\n\n\n\n<p>O <strong>5\u00ba Estudo ABCD &amp; PwC (agosto de 2025)<\/strong> n\u00e3o \u00e9 s\u00f3 mais um relat\u00f3rio. Ele confirma que fintechs de cr\u00e9dito digital passaram de promessa a realidade madura \u2014 com volume de cr\u00e9dito de R$\u202f35,5\u202fbi (+68%), base de clientes massiva, regula\u00e7\u00e3o avan\u00e7ada, IA e inova\u00e7\u00e3o como pilares.Esse cen\u00e1rio \u00e9 terreno f\u00e9rtil para a <strong>Oppens se posicionar como protagonista<\/strong> do novo ecossistema de cr\u00e9dito no Brasil. \u00c9 hora de falar menos de futuro distante e mais de conquistas concretas \u2014 ou seja, de colocar a Oppens no palco central, com destaque e credibilidade.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a5e17b5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a5e17b5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3c1f7f4\" data-id=\"3c1f7f4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d42697b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d42697b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e6a9857 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e6a9857\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aaa9af8\" data-id=\"aaa9af8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8edf222 elementor-widget elementor-widget-text-editor\" data-id=\"8edf222\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div><b>\u00a0<\/b><\/div>\n<p><!-- \/wp:separator --><!-- wp:group {\"layout\":{\"type\":\"constrained\"}} --><\/p>\n<div class=\"wp-block-group\">\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 class=\"wp-block-heading\"><strong>Baixe agora o app e simule sua antecipa\u00e7\u00e3o do saque-anivers\u00e1rio FGTS<\/strong><\/h3>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>N\u00e3o deixe seu dinheiro parado. <strong>Antecipe o saque-anivers\u00e1rio FGTS<\/strong> e use como quiser.<br \/><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f4f1.svg\" alt=\"\ud83d\udcf1\" \/> Baixe o <strong>app da Oppens<\/strong> agora \u00e9 s\u00f3 clicar no link:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:group {\"layout\":{\"type\":\"grid\"}} --><\/p>\n<div class=\"wp-block-group\">\n<p><!-- wp:image {\"lightbox\":{\"enabled\":false},\"id\":1620,\"width\":\"129px\",\"height\":\"auto\",\"sizeSlug\":\"large\",\"linkDestination\":\"custom\",\"style\":{\"layout\":{\"columnSpan\":1,\"rowSpan\":1}}} --><\/p>\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/apps.apple.com\/br\/app\/oppens\/id6739883671\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"303\" class=\"wp-image-1620\" style=\"width: 129px; height: auto;\" src=\"https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2025\/08\/br-disponivel-na-app-store-botao-1-1024x303.png\" alt=\"\" srcset=\"https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2025\/08\/br-disponivel-na-app-store-botao-1-1024x303.png 1024w, https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2025\/08\/br-disponivel-na-app-store-botao-1-300x89.png 300w, https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2025\/08\/br-disponivel-na-app-store-botao-1-768x228.png 768w, https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2025\/08\/br-disponivel-na-app-store-botao-1-1536x455.png 1536w, https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2025\/08\/br-disponivel-na-app-store-botao-1-2048x607.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n<p><!-- \/wp:image --><!-- wp:image {\"lightbox\":{\"enabled\":false},\"id\":1621,\"width\":\"128px\",\"height\":\"auto\",\"sizeSlug\":\"full\",\"linkDestination\":\"custom\",\"style\":{\"layout\":{\"columnSpan\":1,\"rowSpan\":1}}} --><\/p>\n<figure class=\"wp-block-image size-full is-resized\"><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=br.com.oppens&amp;hl=pt_BR\"><img decoding=\"async\" width=\"646\" height=\"250\" class=\"wp-image-1621\" style=\"width: 128px; height: auto;\" src=\"https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2025\/08\/pt-br_badge_web_generic.png\" alt=\"\" srcset=\"https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2025\/08\/pt-br_badge_web_generic.png 646w, https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2025\/08\/pt-br_badge_web_generic-300x116.png 300w\" sizes=\"(max-width: 646px) 100vw, 646px\" \/><\/a><\/figure>\n<p><!-- \/wp:image --><\/p>\n<\/div>\n<p><!-- \/wp:group --><!-- wp:separator --><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n<p><!-- \/wp:separator --><!-- wp:paragraph --><\/p>\n<p><strong>Oppens \u2013 Cr\u00e9dito simples, seguro e 100% digital.<\/strong><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:image {\"id\":1622,\"width\":\"131px\",\"height\":\"auto\",\"sizeSlug\":\"full\",\"linkDestination\":\"none\"} --><\/p>\n<figure class=\"wp-block-image size-full is-resized\"><img decoding=\"async\" width=\"823\" height=\"214\" class=\"wp-image-1622\" style=\"width: 131px; height: auto;\" src=\"https:\/\/oppens.com.br\/blog\/wp-content\/uploads\/2025\/08\/marca_horizontal_verde_escuro.gif\" alt=\"\" \/><\/figure>\n<p><!-- \/wp:image --><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<\/div>\n<p><!-- \/wp:group --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1483b35 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1483b35\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eb3de33\" data-id=\"eb3de33\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-300d61c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"300d61c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>O setor de fintechs de cr\u00e9dito no Brasil nunca esteve t\u00e3o vivo \u2014 e ser\u00e1 protagonista do seu blog. O [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1641,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[25],"tags":[11,33],"class_list":["post-1640","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investimentos","tag-credito","tag-oppens"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fintechs de Cr\u00e9dito em Alta: Destaques do 5\u00ba Estudo PwC e ABCD sobre o Futuro do Cr\u00e9dito Digital no Brasil - Oppens<\/title>\n<meta name=\"description\" content=\"Fintechs de cr\u00e9dito crescem 68% em 2024. 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