Healthy finances from financial education
In Círculo de Crédito they have the complete image of what is needed to increase access to credit, from responsible models that take care of each actor that is part of the Mexican economy.
As one of its novelties, they work to promote the financial health of Mexicans, because in addition to having a credit history, it is important that they keep it healthy.
“We created Financial Wellness solutions because we know that inclusion is not just about having credit histories, it is important to advise new generations on the use of financial products, so that they know what credit is best for them and what they should do to know and Raise your financial score. We have a PFM, a software for them to manage what their income is against their payment commitments”, said Juan Manuel Ruiz, who also stated that at Círculo de Crédito they have been concerned with innovating in the way they provide their services.
“What we have done is anticipate the needs, we developed a digital platform where all banks and Fintech connect via API to consume our services; Having this ecosystem that offers a soft landing allows financial companies to grant credits based on the tools we offer. At Círculo, we find a way to listen to our customers and understand their needs,” he noted.
Círculo de Crédito is a company with less than two decades, it is a young business that in a short time has positioned itself as a benchmark in the industry. In this regard, Juan Manuel highlighted the company’s differentials.
“Círculo has evolved to be an ecosystem of collective intelligence. This capacity enables us not only to be a strategic partner of financial entities, but also to enable the allocation of ideal financial products for all Mexicans. With this purpose in mind, we have invested in building a team of specialists in analytics, anthropology, artificial intelligence, psychometrics and data engineering to see people from a holistic perspective”, he exposed.
“The hundreds of millions of behaviors that we update, on a monthly basis, allow us to provide our clients with intelligence to define the most relevant answers: who to lend to, with what product, how much and with what conditions. This intelligence allows more than 170 million decisions with an estimated value of 110 billion dollars to have been made. This amount is equivalent to 10% of Mexico’s annual GDP,” Juan Manuel specified.
The company is not only based on analytics and data science, but based on sophisticated artificial intelligence and machine learning techniques, it promotes financial inclusion, while supporting intermediaries to obtain more data to help them make decisions. to speed up the granting of credits.
This specifies the clear mission that they have as a company, to provide access to credit to millions of Mexicans, in order to improve their quality of life.