BV Bank, one of the largest private banks in the country, has been constantly investing in technology to improve and modernise its operational and customer service pipeline. To accelerate the process of innovation in credit, main pillar of the institution, the BV has created, in 2022, the nexus — Optimized Experimentation Center, which generated R$150 million in business with the development and implementation of integrated solutions together with partner companies
The result is the result of a constant focus on initiatives that foster open finance., strategic partnerships and the intelligent use of data in non-traditional ways. Since its implementation, o Nexo focuses efforts on maximising the bank's core business and diversifying the portfolio, strengthening its relationship with customers by offering products and services aligned with their needs
Protagonist in the innovation journey of the BV bank, the nexus, in partnership with fintech Innovative Assessments, implemented psychometry — set of methods that help evaluate characteristics, profiles and behavioral variables through technology — as an additional part of the user analysis process that, by the usual routes, would have a more bureaucratic credit journey
With innovation, BV became one of the first banks to use this technology to reassess the risk profile of these customers.. The psychometry, applied to optimise existing products and services, was responsible for R$32 million of the business generated with Nexo from January to June of this year
Nexo is already exploring other ways of introducing the responsible lending methodology in other verticals of the bank, considering trends such as Gig Economy and Open Finance, who redesigned the economic landscape and the needs of Brazilians
