Is it possible to provide loans through WhatsApp? Understand the news

a The WhatsApp It is by far the best exchange app Posts Most used by Brazilians since 2009. Despite not being the only one, no one else was able to pick up people that much and even get to the entry point in the country’s slang, everyone actually sent someone a “zap”.

see also: Loan by Whatsapp? Fintech is investing in a new credit franchise!

But more than sending people stickers, memes and funny videos, WhatsApp can do something else. Something dangerous that not many people thought could be accessed. We are talking about loans.

The Bank of Brazil announces the news

Yes, from real loans, and not from fraud attempts involving false promises of easy money, as is so common. We are talking in particular about Banco do Brasil, one of the most respected traditional banks in our country.

It turns out that BB has been offering virtual assistance, and more than 23 million citizens have been supported by the app in the last 90 days. Of course, not all of these people borrowed, because – according to Banco do Brasil himself – the vast majority seem to have few doubts to explain it.

But what about the loan? Yes, Banco do Brasil stated that the idea was developed to keep people’s lives easier, as well as to make loan Something more accessible and achievable across the platform, but not just any platform, a platform they already know very well.

In short, it is indeed correct to contract these personal credit operations through WhatsApp. Banco do Brasil even became the first bank in the country to accept loans requested in a common messaging app.

It was decided, so far, to make calls by sending a message to (61) 4004-0001. The person will be initially contacted by an artificial intelligence that helps the customer and simulates the possible conditions for the option in question.

This is how a person will know the amounts of the installments, the interest on them, the due date and everything else that needs to be taken into account before actually closing the loan agreement.

And if a person has already done one before, they can use this medium to track phrases as well.

Banco do Brasil also hopes to expand its credit offering through the app, which will also include the possibility of contracting out loans. DeliveredExpect an income tax refund, give a vehicle credit and pay your thirteenth salary.

So obviously BB’s goal is to further expand their access, right? It started out simple, just make quick queries. That’s until I jump into credit card bills; Transfers. payments; pecs; renegotiation From debt, we finally got to the point where we are today.