Paper
The Solution Based on Cooperation for the Centalization of Information and Support to Credit Decisions
Centralised knowledge base helps in mitigating overall business risks in the economy
This paper presents the case of SERASA, established in 1968, which is the largest information database on credit, economic-financial and social data from Latin America, particularly from Brazil.
The paper presents the important institutional characteristics of SERASA:
- Model of cooperation with competitiveness;
- Ownership rests with 83 financial institutions;
- Has available data on all the companies legally established in Brazil - about 8.6 millions;
- Networks with different institutions to continuously upgrade the database.
The author then describes some of the important products that SERASA has to offer:
- Credit Bureau Serasa - Credit data on over 100 million people at national level;
- Business Behavior Report - System of commercial information which covers payment habits, commitments and defaults with banks;
- Credit and Analysis Report - To support credit and business decisions;
- Other services customized for specific client groups.
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