Since its inception, BeClever S.A. promotes efficient services and solutions for the credit and card market. Based on the experience and training of each of its partners, the company develops products capable of covering the entire credit life cycle of a client, through: capture workflows, loan and card processing, connectivity with various information sources , massive campaigns, customer segmentation, development of scorecard models, arrears, collections, bank reconciliation, loyalty, accounting, money laundering prevention, risk alerts, and process automation. It also offers other accessories such as reports and dashboards, collection systems, self-management terminals, and consulting services.
BeClever S.A. recently completed 10 years in the software / financial industry. Its products are operating in six Latin American countries, installed in recognized entities: Banking, Financial, Automotive, Retail, Insurance, Telecommunications, Flow transporters, Payment media processors, Telcos, and also now, in FinTechs.
With first-class technology applied and implementing smart business strategies, our “FinTech” offering offers agility and comfort in the generation and processing of loans. The application covers the complete circuit of a loan, from negotiation processes, customer segmentation and inquiries to external data sources (bureaus), determination of the best offer for each Customer, granting with transfer of funds, agreements with banks for the sweep fees (debits) and collection and accounting procedures.
"Our solution is designed so that a person who browses the internet from their cell phone can process a personal loan in simple steps and with minimal requirements, at any time and from anywhere. Through a social network, advertising banner, or other promotional campaign via SMS or mailing, the interested party accesses a landing page where they will request a certain amount, upload a basic personal form, and in a matter of minutes they will be able to have the money credited in your home banking; or else, the credit may be processed by a merchant via the web in order to be able to finance a product or service to a potential client ”, commented Gustavo Defilpo, president of BeClever S.A.
Marketing studies show that access to new technologies makes consumers more sophisticated and impulsive, with shorter times for action, so having customized financial products are the new challenge to be incorporated by marketing entities; while the goal of the financial sector is to achieve convergence between FinTech companies and banks, resulting in a strategic “enabler” of solutions (credits) for the Client.
Although banks have currently lowered the supply of loans to take advantage of the Liquidity Letters (LELIQ) offered by the BCRA, the financial market reflects a noticeable increase in the request for loans. Recently, a leading consulting firm specialized in economics published that the highest percentage of people require these commitments to pay off debts, pay for services and / or credit cards, and even face daily expenses that allow them to make ends meet. In contrast to this reality, the application for credit for ‘personal tastes’ such as traveling or buying clothing registered much lower percentages.