Empowering SMEs in Brazil: How Dinie is Reimagining Credit with Suzy Ferreira

Fintech Files: Insights on TECH by BCG Platinion

Suzy Ferreira, co-founder of Dinie, is on a mission to transform credit access for small businesses in Brazil. In this episode, Suzy shares her journey and the inspiration behind Dinie, an embedded lending fintech breaking barriers for SMEs. Discover how Dinie’s innovative, data-driven approach—embedding lending into platforms like iFood and leveraging real-time insights—is empowering small businesses to access the credit they need to grow and succeed.

Discussion Highlights:

• Suzy Ferreira’s journey: Suzy, co-founder of Dinie, opens up about her father's struggles with credit access, and how that inspired her mission to transform lending for small businesses, ultimately laying the foundation for Dinie.
• Dinie's Approach: Dinie, a Brazilian embedded lending fintech, is redefining SME lending by embedding credit solutions directly into platforms like iFood, offering seamless access to financial resources where businesses already operate.
• Challenges of Credit Access for SMEs in Brazil: Suzy highlights the systemic barriers Brazilian SMEs face, such as high-interest loans, cultural reliance on cash, and limited financial products tailored to their needs.
• How Dinie Works: Dinie’s innovative approach leverages real-time data like sales revenue and transaction patterns, enabling accurate credit assessments and proactive lending to SMEs.
• Hot Money: Suzy explains Dinie’s product, Hot Money, designed to provide working capital tailored to an SME’s revenue flow, minimizing debt risk while fostering growth.
• The Concept of the Invisible Bank: Suzy introduces the idea of an "invisible bank," where lending becomes seamless, integrated, and unobtrusive, revolutionizing how businesses access financial services.

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Hosted by Nora Hocke, a manager at BCG Platinion in Munich, and Annika Melchert, a principal currently based in the Middle East, our hosts specialize in IT strategy, modern tech architecture, and state-of-the-art banking. In their work, they've collaborated with some of today's most innovative Fintechs to transform their organizations; including supporting generative Al use cases. With their unique blend of tech expertise and passion, they bring you stories that capture the essence of the evolving Fintech landscape. This season, we're thrilled to introduce Bianca Lopes. Originally from Brazil and currently based in Denmark, Bianca is an entrepreneur and economist with a remarkable background in digital identity and biometrics. Throughout her career, she has supported over 40 financial institutions and 8 governments, reshaping their approach to technology, reimagining identity, and driving innovation agendas.

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