A Delend, Brazilian fintech that operates in the credit journey for Small and Medium Enterprises (SMEs), introduces your new Financial Assistant, a generative artificial intelligence tool that promises to revolutionize the financial management of SMEs. The solution, the initial focus is to replace traditional bank slips with payment initiation via Pix, while using Open Finance to automate cash flow management, credit score and receivables management. The company decided not to develop a specific mobile application and bet everything on WhatsApp, since practically every Brazilian, whether it is a natural or legal person, use the app.
A solution for the financial challenge of SMEs
The Brazilian SME market faces a critical problem: only 29% of the credit demand from these companies is met by financial institutions. This results in the estimated credit gap of R$2,5 trillion, amount that represents 71% of the necessary and unfunded credit. The mismatch limits the growth and sustainability of SMEs, that are responsible for 27% of GDP and employ 55% of the formal workforce in the country.
A Delend visa to tackle this problem directly, offering an innovative alternative based on Artificial Intelligence (AI) and Open Finance. By simplifying access to credit and automating financial processes, The Financial Assistant allows SMEs to overcome traditional barriers, improve cash flow and accelerate your expansion.
Real-time intelligence for strategic decisions
The Delend solution not only eliminates the complexity of invoices that become duplicates in installment sales with many manual processes, but also uses real-time data to provide personalized insights. "Our Financial Assistant is more than a solution"; is a partner based on AI agents that helps SMEs make quick and accurate decisions, explain Fernando Wosniak Steler, CEO of Delend. "Based on AI agents and data tools", The Financial Assistant makes simple what is very laborious for those who sell on credit, how to obtain your client's Open Finance consent, perform credit analysis, issue the invoices and discount the bill for immediate cash generation. You can both write, send audio, send a photo or speak in any language that the Assistant can handle, "go back and come back with the result for you".
Innovation aligned with market growth
With the integration of Artificial Intelligence and Open Finance, The Financial Assistant identifies opportunities to reduce costs, optimize operations and facilitate access to credit. This approach addresses a significant market gap, while transforming the way SMEs interact with traditional financial services, how the discount of a duplicate.
When launching the solution, Delend reinforces its commitment to driving the growth of SMEs and, simultaneously, contribute to closing the credit gap, representing one of the biggest innovation opportunities in the Brazilian financial sector.
Initially, the product is being launched by Delend to the customer base of the OK Network, company acquired by Delend in 2023, but there are already other releases scheduled in partnerships like the systemwhite label.
A step forward in the financial market
With a history of over R$32 billion in managed receivables and solutions that simplify the lives of tens of thousands of SMEs, Delend leads the digital transformation of the financial sector. The new Financial Assistant positions itself as a central piece of the strategy to bring automation, efficiency and intelligence for the heart of the financial operations of SMEs.
The launch marks another step in Delend's mission to empower small and medium-sized entrepreneurs, helping them overcome historical challenges and explore their full potential in the Brazilian market
