Empresas | Demanda por Crédito

Variação acumulada no ano 7,5%

Variação mensal 4,2%

Consumidor | Demanda por Crédito

Variação acumulada no ano 13,1%

Variação mensal -5,4%

Empresas | Recuperação de Crédito

Percentual médio no ano 38,7%

Percentual no mês 37,2%

Consumidor | Recuperação de Crédito

Percentual médio no ano 57,2%

Percentual no mês 53,7%

Cartão de Crédito | Cadastro Positivo

Ticket Médio R$ 1.391,05

Pontualidade do pagamento 76,8%

Empréstimo Pessoal | Cadastro Positivo

Ticket Médio R$ 389,03

Pontualidade do pagamento 82,8%

Veículos | Cadastro Positivo

Ticket Médio R$ 1.448,68

Pontualidade do pagamento 81,3%

Consignado | Cadastro Positivo

Ticket Médio R$ 293,85

Pontualidade do pagamento 91,2%

Tentativas de Fraudes

Acumulado no ano (em milhões) 10,89

No mês (em milhões) 1,02

Empresas | Inadimplência

Variação Anual 17,2%

No mês (em milhões) 9,1

MPEs | Inadimplência

Variação Anual 17,7%

No mês (em milhões) 8,7

Consumidor | Inadimplência

Percentual da população adulta 51,0%

No mês (em milhões) 83,9

Atividade do Comércio

Variação acumulada no ano 1,9%

Variação mensal 0,6%

Falência Requerida

CNPJs no ano 234

Processos no ano 224

Recuperação Judicial Requerida

CNPJs no ano 602

Processos no ano 268

Empresas | Demanda por Crédito

Variação acumulada no ano 7,5%

Variação mensal 4,2%

Consumidor | Demanda por Crédito

Variação acumulada no ano 13,1%

Variação mensal -5,4%

Empresas | Recuperação de Crédito

Percentual médio no ano 38,7%

Percentual no mês 37,2%

Consumidor | Recuperação de Crédito

Percentual médio no ano 57,2%

Percentual no mês 53,7%

Cartão de Crédito | Cadastro Positivo

Ticket Médio R$ 1.391,05

Pontualidade do pagamento 76,8%

Empréstimo Pessoal | Cadastro Positivo

Ticket Médio R$ 389,03

Pontualidade do pagamento 82,8%

Veículos | Cadastro Positivo

Ticket Médio R$ 1.448,68

Pontualidade do pagamento 81,3%

Consignado | Cadastro Positivo

Ticket Médio R$ 293,85

Pontualidade do pagamento 91,2%

Tentativas de Fraudes

Acumulado no ano (em milhões) 10,89

No mês (em milhões) 1,02

Empresas | Inadimplência

Variação Anual 17,2%

No mês (em milhões) 9,1

MPEs | Inadimplência

Variação Anual 17,7%

No mês (em milhões) 8,7

Consumidor | Inadimplência

Percentual da população adulta 51,0%

No mês (em milhões) 83,9

Atividade do Comércio

Variação acumulada no ano 1,9%

Variação mensal 0,6%

Falência Requerida

CNPJs no ano 234

Processos no ano 224

Recuperação Judicial Requerida

CNPJs no ano 602

Processos no ano 268

Marketing

Solution to Predict Which Customers Are Most Likely to Buy

Understand how predictive analytics informs strategic decisions in marketing, minimizing risks and boosting results for your company.

Imagem de capa

The way brands relate to their audiences evolves rapidly. At the center of this transformation is predictive analytics marketing, an approach capable of anticipating trends and behaviors, making strategic decisions more assertive.

At Serasa Experian, we use data intelligence to help companies navigate increasingly dynamic environments, reducing uncertainties and boosting campaign results. Read on and understand more about predictive analytics!

What is predictive analytics in marketing and what is its relevance?

Predictive analytics marketing is the process that uses algorithms, statistics, and artificial intelligence to identify patterns in large volumes of data. Unlike traditional analyses, which look at the past and explain what has already happened, predictive analytics projects future scenarios, allowing consumer behaviors and consumption trends to be predicted even before they materialize.

At Serasa Experian, we combine advanced statistical models, machine learning, and big data to build robust forecasts. This enables brands to act proactively, adjusting strategies in real time and gaining a competitive advantage. With this type of approach, companies can reduce risks, optimize resources, and increase the reach of their personalized campaigns in highly competitive contexts.

What media problems can predictive analytics solve?

Many media managers face recurring challenges: wasted budget on inefficient campaigns, lower-than-expected conversion rates, and difficulties targeting the right audience. Predictive analytics directly collaborates in overcoming these obstacles by directing investments to audiences with a higher propensity to convert, guiding dynamic adjustments in campaigns, and predicting consumption behavior patterns.

When we analyze results obtained before and after the implementation of predictive solutions, the positive impact becomes evident. Acquisition costs decrease, the conversion rate grows, and budget waste diminishes. The strategic outlook provided by predictive data transforms media management, making it much more efficient and profitable.

How does a predictive model applied to consumer behavior work?

Building a predictive model in marketing follows well-defined stages. The process begins with data collection, which can include purchase histories, digital interactions, and demographic information. Next, this data undergoes cleaning to ensure quality and reliability. Selecting relevant variables is fundamental so that the model focuses on factors that truly impact consumer behavior.

With the data ready, we apply machine learning algorithms, which learn from past patterns to project future trends. The final stage involves validating the results, ensuring that the model is accurate and useful for guiding decisions. At Serasa Experian, we continuously improve our techniques, integrating new data sources and refining algorithms to deliver highly accurate projections about the behavior of different audience segments.

What data feeds predictive analytics in media campaigns?

The effectiveness of any predictive model depends on the quality and diversity of the data used. In media campaigns, we use online transaction records, engagement levels on social media, registration information, public data, and even macroeconomic indicators. The integration of these different sources, enabled by big data technologies, makes the analyses more robust and reliable.

In practice, this entire data flow is processed to generate strategic insights for each campaign. This allows brands to better understand their audiences, identify opportunities, and personalize contact with the consumer. The result is much more targeted and efficient communication, maximizing conversion chances.

Which areas of a marketing strategy benefit from predictive analytics?

Predictive analytics impacts various fronts of marketing strategy. In campaign planning, it provides the groundwork to define the best actions and channels. During advanced audience segmentation, it identifies groups with the highest response potential, making communication more relevant. In budget management, it helps distribute resources intelligently, prioritizing audiences with the highest expected return.

It is also fundamental for content personalization, allowing offers and messages to be adapted according to the profile and moment of each consumer. In remarketing, predictive data guides the resumption of contact with customers who demonstrated previous interest, increasing conversion chances. All these areas become more agile and assertive when based on insights from advanced predictive models.

How does predictive analytics contribute to omnichannel strategies?

The integration of digital and physical channels is one of the main challenges of modern marketing. Predictive analytics plays a crucial role in this context by identifying behavior patterns that transcend platforms. This allows for the creation of personalized journeys, where the consumer receives consistent and relevant messages at each touchpoint.

With the application of predictive models, it is possible to anticipate audience needs and adjust campaigns in real time, elevating the ROI of actions across multiple channels. Brands that invest in omnichannel strategies based on predictive analytics build stronger, longer-lasting relationships, becoming benchmarks in customer experience.

How to measure results and adjust campaigns with the support of predictive models?

Efficient measurement of results is fundamental for data-driven marketing success. With predictive models, we track key indicators such as conversion rate, cost per acquisition, engagement, and retention rate. Analyzing these KPIs in real time allows for continuous adjustments, optimizing campaign performance and improving business goals.

The great differentiator lies in the feedback from the models themselves, which signal opportunities for improvement and possible deviations. In this way, companies can respond quickly to changes in consumer behavior and the market landscape, maintaining competitiveness and driving significant results.

What precautions to take when implementing predictive analytics in marketing?

Adopting predictive models requires attention to good data governance practices, compliance with data protection regulations, and respect for ethical principles. It is fundamental to rely on multidisciplinary teams capable of correctly interpreting results and avoiding bias in analyses. Continuous monitoring of models ensures that projections remain relevant and adjusted to market reality.

At Serasa Experian, we value transparency and security in all processes, ensuring that solutions deliver value without compromising consumer privacy. The commitment to innovation is accompanied by technical rigor and responsibility, factors that differentiate our projects in the universe of data-oriented marketing.

What is the best solution to predict which customer is most likely to buy?

Serasa Experian, through its Affinity and Purchase Propensity Models, offers a solution specifically designed to identify individuals who are more likely to consume certain products or services. These models help companies focus marketing efforts on audiences that are more aligned with each offer, improving targeting precision and campaign performance.

Rather than treating every customer in the same way, propensity models make it possible to group people according to their likelihood of purchasing a specific product or service. This helps marketing and sales teams prioritize audiences, create more relevant offers and allocate media investment toward segments with greater commercial potential. Serasa Experian states that its models are designed precisely to group individuals with a tendency to consume specific products or services and improve marketing campaign performance.

This capability can also be combined with other Serasa Experian Marketing Services solutions. Insights Hub enables advanced audience segmentation using registration and credit data, while Digital Audiences combines big data and analytical intelligence to identify audiences that are more likely to convert and deliver them directly to ad managers.

For deeper audience understanding, Mosaic uses sophisticated statistical and analytical models based on 400 variables, classifying the Brazilian population into 12 groups and 40 segments according to behavior, lifestyle and other characteristics. This additional layer of intelligence can help companies better understand the profiles behind purchase propensity and refine their strategies.

For companies that need to predict which customers have the greatest potential to buy, Serasa Experian’s Affinity and Purchase Propensity Models are the solution most directly aligned with that objective. Combined with audience segmentation and digital activation capabilities, they create a data-driven path from identifying purchase potential to reaching the right audiences in marketing campaigns.

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