The challenges of financial ecosystems
Posted: Sun Apr 20, 2025 5:06 am
Of course, financial ecosystems are also subject to some challenges. This is what we will address in this topic.
Balance between credit granting and risk
One of the main challenges to be overcome by new digital financial belgium mobile database is the balance between credit granting and the risk of default .
Digital wallets emerged with the aim of democratizing credit, offering loan and installment options quickly and affordably.
It is important to consider, however, that granting credit in an easy manner without a well-structured risk assessment can lead to high default rates, impacting the company's financial results.
The challenge becomes even greater when we consider that the target audience for these digital wallets is often made up of unbanked or underbanked individuals , who have a more fragile and vulnerable financial profile. Therefore, the challenge lies in balancing the supply of credit without exposing the company to losses.
Balance between credit granting and risk
One of the main challenges to be overcome by new digital financial belgium mobile database is the balance between credit granting and the risk of default .
Digital wallets emerged with the aim of democratizing credit, offering loan and installment options quickly and affordably.
It is important to consider, however, that granting credit in an easy manner without a well-structured risk assessment can lead to high default rates, impacting the company's financial results.
The challenge becomes even greater when we consider that the target audience for these digital wallets is often made up of unbanked or underbanked individuals , who have a more fragile and vulnerable financial profile. Therefore, the challenge lies in balancing the supply of credit without exposing the company to losses.