Bom Pra Crédito (BPC) is redefining its business strategy with the aim of becoming a super financial wallet, simplifying consumers' lives. The company is expanding its focus, ceasing to be just a provider of personal loans to offer a wide range of financial products and services on its digital platform
Eight months ago, 90% of our operation was personal credit. Today, this activity represents 52% of our marketplace and, until December, the trend is that it will fall to 44%, designs Leonardo Grapeia, member of the Advisory Board of Bom Pra Crédito. He emphasizes that this change "reflects a new socioeconomic context and the need to meet the main demands of Brazilians for access to credit, best rates and new steps after regularizing their finances.
Furthermore, the company carried out a retrofit, with a new visual identity, much more modern and robust, what resulted in the improvement of the outcome
We want this first access to be a starting point for the user to discover new credit possibilities and other financial services in the same app. We are investing in retrofit to ensure this transition, explain Bruna Cerqueira, head of BPC
The adjustments in Bom Pra Crédito's business strategy are expected to result in projected revenue of R$ 11,4 million by December, with prospects for continuous growth in the coming years. Strategic partnerships are being formed to increase the variety of services and products offered, using the benefits of Open Finance to attract and retain customers with personalized terms and interest rates, that can be improved with guarantees, like products or salary
We seek to facilitate the customer journey and the adoption of our products and services, betting on APIs that cover the entire process. The volume and diversity of supply depend on the increase in demand. The greater the access and the adherence, but we can individualize conditions and spark even more interest, detail Grapeia
Partnerships and new perspectives
Open Finance has been fundamental to Bom Pra Crédito's strategy, allowing for faster and more detailed access to the characteristics and needs of customers. This requires skills to filter and process this information, identify opportunities and enhance exchanges and synergies with other members of the ecosystem
To fill gaps left by large institutions, the Head of BPC, Bruna Cerqueira, defends specific processes for each type of offer on the platform: "The requirements cannot be the same for all demands. We developed specific stages and microservices models for each product, affirms. In the long term, the platform aims to diversify even further, offering options like Good To Buy, Good for Investing and insurance services, strengthening the brand as a reference in credit
Currently, the demand for FGTS anticipation is high, with 70% of those with negative credit seeking this service. Good for Credit sees this as a redirection opportunity
For Grapeia, organization and planning are essential, whether for those seeking credit or investing. It is important to consider future installments in the budget and to know exactly what you want to achieve. The changes on the platform are significant and the prospects are quite encouraging, concludes
Other options for individuals and companies available on the BPC platform besides the traditional personal loan are: loans with property guarantee options, vehicle and mobile phone; credit lines for MEIs and freelancers; salary advance; Compre agora, pague depois, that allows the borrower to access amounts above the requested price tag, according to the payment capacity detected by the platform; public payroll loan;federal payroll loan; and the BPC Check, a service provided for creditors, what seeks to be the bureau based on Open Finance and will help reduce costs and accelerate decision-making, understanding the audience from enriched financial data
