Brazil: La revolución Fintech en Brasil

Last Updated: 16 October 2018
Article by TMF Group

En Brasil hay una revolución financiera en marcha. Un crecimiento rápido en el área de la tecnología financiera (Fintech) significa que Brasil tiene, actualmente, el número más alto de compañías fintech fuera de Estados Unidos.

No obstante, el ritmo de la expansión está creando tanto riesgos como oportunidades. Y muchas start-ups están buscando profesionales experimentados que los ayuden a enfrentar las complejidades del ambiente regulatorio.

Fintech, una nueva tecnología e innovación que aspira a competir con los métodos tradicionales en la entrega de servicios financieros, es fomentada por el Banco Central de Brasil. El banco quiere reducir las tarifas de los servicios financieros y expandir el acceso a cuentas y crédito, para alcanzar a más sectores de la población brasileña. Una gran porción de los habitantes del país, el 35% de los adultos en Brasil, nunca tuvo una cuenta bancaria, en particular si se trata de personas con bajos recursos. No obstante, Brasil tiene el número más alto de smartphones en el mundo, por lo cual existe un gran potencial para hallar nuevas formas de entregar servicios financieros.

La industria de la tecnología financiera está revolucionando, en sí misma, la forma en la que hacemos negocios. Por más de 30 años, la forma establecida de transferir dinero entre instituciones financieras fue a través de una Sociedad Mundial Interbancaria de Telecomunicaciones Financieras (SWIFT, en inglés); actualmente, innovaciones alternativas, tales como el Ripple, pueden realizar una transferencia segura en segundos.

Crecimiento

El número de fintechs en Brasil creció de 244 a 332 en 2017, e incluyó a compañías realizando préstamos, inversiones, administración financiera, pagos, seguros, criptomoneda, renegociación de deuda y otros servicios - más que el resto de los países brasileras van a generar ganancias de alrededor de $24 billones durante la próxima década. El número de fintechs y startups de eficiencia financiera crecieron durante 2017 de 264 a 369, con los sectores de seguros y préstamos como los más populares, mostrando un 92% y un 75% en el número de iniciativas, respectivamente.

Las fintechs aun representan una minoría pequeña en el mercado de créditos de Brasil de 1.5 trillones de reales. Sin embargo, su importancia radica en el impacto que tienen con los bancos tradicionales, que podrían ajustar y bajar sus precios. La tasa de interés promedio actual utilizada por los bancos tradicionales es de 5.67% por mes, en comparación con las tasas de interés de 1.90% utilizada por las fintechs.

Riesgos

Las start-up de fintech corren riesgos. Generalmente lanzadas por emprendedores jóvenes que tienen ideas tecnológicas, estos propietarios de negocios pueden ser ingenuos respecto de los conocimientos necesarios para manejar una compañía, o sobre cómo alcanzar el cumplimiento financiero o regulatorio. Una oferta innovadora de un producto no es suficiente para asegurar el éxito del negocio. Contar con un socio profesional de servicios corporativos le permitirá asegurarse de que los requisitos principales se cumplen, permitiendo que los emprendedores tecnológicos se enfoquen en el desarrollo creativo de sus productos y cumplir así con las demandas de sus clientes. La administración de información sólida y la seguridad de la información personal de los clientes son otras áreas en las que puede ayudarlo un proveedor de servicios profesionales reconocido.

El ritmo de la industria en desarrollo de las fintech significa que las start-ups pueden ser vulnerables a las restricciones regulatorias si existe un incumplimiento.

Hubo una explosión de nuevos productos y existe un riesgo de que algunas de estas nuevas compañías fracasen. Para sobrevivir, una compañía joven debe ser adquirida por un competidor; obtener un préstamo o inversión de una compañía de capital privado, o crecer orgánicamente con transacciones de deuda. Los servicios de TMF Group pueden ayudarlo a enfrentar cualquier opción, además de asistirlo si es un inversor extranjero que busca oportunidades de fintech.

Potencial

Los inversores extranjeros reconocen la industria de fintech en Brasil. La aplicación de planificación financiera GuiaBolso y el proveedor de tarjetas de crédito Nubank han asegurado recientemente un apoyo significativo. Nubank ofrece cuentas de banca digital a personas fuera de su base de clientes de portadores de tarjetas de crédito, y ya registró 1.5 millones de clientes en un esquema piloto. Ello significa que Nubank ya es más grande que los bancos totalmente digitales más grandes de Brasil. No obstante, le queda un largo camino para alcanzar el tamaño de los dos principales bancos de Brasil, Banco Bradesco SA, e Itaú Unibanco Holding SA, cada uno de ellos con 20 millones de clientes.

Creditas Soluções Financeiras Ltda, una start-up de fintech brasilera, recibió una inversión de $50 millones de parte del fondo sueco Vostok Emerging Finance. Creditas, fundada en 2012 y especialista en brindar préstamos con bienes raíces o vehículos como garantía, tuvo un préstamo de cartera de 135 millones el año pasado, el cual hoy aspira a crecer a 30 en tres años.

Regulaciones

Para estimular el crecimiento de las fintech, el Banco Central de Brasil estableció las primeras regulaciones para fintechs, autorizando dos tipos: Peer-to-Peer Lending (SEP) y Crédito Directo a Prestatarios (SCD, en inglés). El objetivo es el de aumentar la competencia de préstamos en un país con tasas de interés notoriamente altas para los consumidores.

Mientras crece la industria de las fintech, también crece la competencia para los consumidores, que estarán interesados en reasegurar que su dinero está seguro con una start-up. Las start-up de fintech competirán contra la industria bancaria brasilera establecida que ganó la confianza de los clientes a lo largo de décadas. Sin embargo, si una nueva entidad tiene un proveedor de servicios corporativos reconocido a su lado, ello mejora la credibilidad y aumentará la reputación de una compañía joven.

Obtenga ayuda de los expertos

TMF Group en Brasil cuenta con la experiencia y el conocimiento de todos los aspectos del sector de fintech en Brasil, con una amplia gama de servicios de negocios desde el establecimiento de una compañía hasta su administración. Como parte de una organización global con más de 125 oficinas en alrededor de 83 países, podemos ofrecerle el conocimiento local respaldado por el alcance global.

Nuestro equipo de expertos puede brindar apoyo a compañías de todos los tipos y tamaños, locales o internacionales, y también podemos trabajar con inversores extranjeros que buscan respaldar a compañías fintech brasileras. Contamos con un equipo de 700 colaboradores a nivel local que están preparados para alcanzar las necesidades del cliente respecto de la contabilidad, impuestos, tesorería, nómina, finanzas estructuradas, fideicomisos, y servicios corporativos, secretariado corporativo, cumplimiento y soluciones de tecnología de la información. Para descubrir más, contáctenos.

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

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