Delend, a Brazilian fintech operating in the credit journey for Small and Medium Enterprises (SMEs), introduces its new Financial Assistant, a Generative Artificial Intelligence tool that promises to revolutionize financial management for SMEs. The solution initially focuses on replacing traditional bank slips with Pix payments, while using Open Finance to automate cash flow management, credit scoring, and receivables administration. The company decided not to develop a specific mobile app and instead bet entirely on WhatsApp, since practically every Brazilian, whether an individual or a business, uses the app.
A solution for SMEs’ financial challenge
The Brazilian SME market faces a critical problem: only 29% of these companies’ credit demand is met by financial institutions. This results in an estimated credit gap of R$2.5 trillion, an amount representing 71% of the needed but unprovided credit. This mismatch limits the growth and sustainability of SMEs, which account for 27% of GDP and employ 55% of the country’s formal workforce.
Delend aims to address this problem directly by offering an innovative alternative based on Artificial Intelligence (AI) and Open Finance. By simplifying access to credit and automating financial processes, the Financial Assistant enables SMEs to overcome traditional barriers, improve cash flow, and accelerate their expansion.
Real-time intelligence for strategic decisions
Delend’s solution not only eliminates the complexity of payment slips that become invoices in installment sales with many manual processes but also uses real-time data to provide personalized insights. “Our Financial Assistant is more than a solution; it’s an AI agent-based partner that helps SMEs make fast, accurate decisions,” explains Fernando Wosniak Steler, CEO of Delend. “Based on AI agents and data tools, the Financial Assistant simplifies tasks that are labor-intensive for those selling on credit, such as obtaining Open Finance consent from customers, performing credit analysis, issuing charges, and discounting notes for immediate cash generation. You can write, send audio, photos, or speak in any language—the Assistant handles it, works on it, and returns the results to you.”
Innovation aligned with market growth
With the integration of Artificial Intelligence and Open Finance, the Financial Assistant identifies opportunities to reduce costs, optimize operations, and facilitate access to credit. This approach addresses a significant market gap while transforming how SMEs interact with traditional financial services, such as invoice discounting.
By launching this solution, Delend reinforces its commitment to driving SME growth while contributing to reducing the credit gap, representing one of the biggest innovation opportunities in the Brazilian financial sector.
Initially, the product is being launched by Delend for the customer base of Rede OK, a company acquired by Delend in 2023, but other launches are already scheduled through partnerships like the white label system.
A step forward in the financial market
With a history of over R$32 billion in managed receivables and solutions that simplify the lives of tens of thousands of SMEs, Delend leads the digital transformation of the financial sector. The new Financial Assistant is a centerpiece of the strategy to bring automation, efficiency, and intelligence to the heart of SMEs’ financial operations.
The launch marks another step in Delend’s mission to empower small and medium business owners, helping them overcome historical challenges and unlock their full potential in the Brazilian market.
