Retail turns to purchasing habits to grant creditPhoto by Israyosoy S. on Pexels
BusinessCoimbra

Retail turns to purchasing habits to grant credit

oglobo27 August 2026 at 12:54

With the record of 83.5 million Brazilians in debt in 2026, the purchasing power of families has declined significantly, and 70% of consumers face difficulties in completing supermarket shopping. Given this scenario, financial technology companies are developing alternative credit analysis models that go beyond the traditional CPF financial history, using operational data from retail chains themselves. Rock Encantech, a reference in relationship solutions for retail, launched the "Consumption Score," which analyzes purchase frequency, basket composition, and customer relationship history to safely expand credit for informal consumers or those with multiple sources of income.

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