Empresas | Demanda por Crédito

Variação acumulada no ano 6,3%

Variação mensal -3,6%

Consumidor | Demanda por Crédito

Variação acumulada no ano 8,4%

Variação mensal -2,3%

Empresas | Recuperação de Crédito

Percentual médio no ano 38,7%

Percentual no mês 38,4%

Consumidor | Recuperação de Crédito

Percentual médio no ano 57,3%

Percentual no mês 57,8%

Cartão de Crédito | Cadastro Positivo

Ticket Médio R$ 1.280,32

Pontualidade do pagamento 77,9%

Empréstimo Pessoal | Cadastro Positivo

Ticket Médio R$ 402,57

Pontualidade do pagamento 82,6%

Veículos | Cadastro Positivo

Ticket Médio R$ 1.340,29

Pontualidade do pagamento 80,7%

Consignado | Cadastro Positivo

Ticket Médio R$ 268,95

Pontualidade do pagamento 92,0%

Tentativas de Fraudes

Acumulado no ano (em milhões) 6,94

No mês (em milhões) 1,15

Empresas | Inadimplência

Variação Anual 18,0%

No mês (em milhões) 8,1

MPEs | Inadimplência

Variação Anual 18,5%

No mês (em milhões) 7,7

Consumidor | Inadimplência

Percentual da população adulta 48,5%

No mês (em milhões) 79,2

Atividade do Comércio

Variação acumulada no ano 4,1%

Variação mensal 1,7%

Falência Requerida

Acumulado no ano 236

No mês 61

Recuperação Judicial Requerida

Acumulado no ano 638

No mês 167

Empresas | Demanda por Crédito

Variação acumulada no ano 6,3%

Variação mensal -3,6%

Consumidor | Demanda por Crédito

Variação acumulada no ano 8,4%

Variação mensal -2,3%

Empresas | Recuperação de Crédito

Percentual médio no ano 38,7%

Percentual no mês 38,4%

Consumidor | Recuperação de Crédito

Percentual médio no ano 57,3%

Percentual no mês 57,8%

Cartão de Crédito | Cadastro Positivo

Ticket Médio R$ 1.280,32

Pontualidade do pagamento 77,9%

Empréstimo Pessoal | Cadastro Positivo

Ticket Médio R$ 402,57

Pontualidade do pagamento 82,6%

Veículos | Cadastro Positivo

Ticket Médio R$ 1.340,29

Pontualidade do pagamento 80,7%

Consignado | Cadastro Positivo

Ticket Médio R$ 268,95

Pontualidade do pagamento 92,0%

Tentativas de Fraudes

Acumulado no ano (em milhões) 6,94

No mês (em milhões) 1,15

Empresas | Inadimplência

Variação Anual 18,0%

No mês (em milhões) 8,1

MPEs | Inadimplência

Variação Anual 18,5%

No mês (em milhões) 7,7

Consumidor | Inadimplência

Percentual da população adulta 48,5%

No mês (em milhões) 79,2

Atividade do Comércio

Variação acumulada no ano 4,1%

Variação mensal 1,7%

Falência Requerida

Acumulado no ano 236

No mês 61

Recuperação Judicial Requerida

Acumulado no ano 638

No mês 167

Marketing

Predicting Customer Churn: Data-Driven Strategies for Retention

See how customer churn forecasting, using data intelligence and technology like AI, can drive retention! Check out the blog right now.

Predicting Customer Churn: Data-Driven Strategies for Retention

In increasingly competitive digital markets, retaining customers is a central challenge for companies seeking sustainable growth. Each loss represents costs beyond financial impact: it affects reputation, engagement, and opens space for competitors. In this context, predicting customer churn has become a priority for managers, analysts, CRM professionals and innovation leaders.

Digital transformation has changed the game. Predicting customer departures is no longer intuition; it has become a data-driven strategy. The use of technology, artificial intelligence and predictive models makes it possible to identify signs of dissatisfaction before a churning customer shows any intention of leaving. Companies that adopt this approach increase ROI, directing retention investments where there is real impact.

The consumer journey is complex. Understanding the paths that lead to churn requires analyzing behaviors, mapping touchpoints and acting quickly whenever risk patterns are identified. In this post, you will understand how to turn data into advantage and learn strategies and trends for efficient retention! Read more:

What is customer churn prediction?

Predicting customer churn means analyzing data to anticipate who is about to leave the company. Ignoring risk signals can be costly and damage market confidence. A predictive, data-driven approach based on behavioral and historical indicators enables precise and personalized interventions.

Churn can appear through cancellations, inactivity or dissatisfaction with service, product or support. Predictive models help identify not only who may leave, but also the reasons, making it easier to take preventive actions and improve the customer experience.

How does technology transform churn analytics?

Technologies such as artificial intelligence, machine learning and analytics have revolutionized the ability of companies to forecast customer turnover. Automated tools process data in real time, combining purchase history, digital engagement and even sentiment expressed in reviews and social media.

Big data and IoT expand the reach of churn analytics, making it possible to capture detailed signals and large-scale trends. The use of blockchain adds security, essential in areas dealing with credit risk, as it promotes integrity and traceability of information. Modern platforms suggest specific actions for each profile and allow dynamic adjustments according to business context.

Why does understanding churn matter for the business?

Mastering customer churn prediction is a competitive advantage. Companies that invest in predictive analytics reduce acquisition costs, increase satisfaction and build long-term relationships. Anticipating signs of dissatisfaction allows fast responses, minimizing losses and strengthening loyalty.

The ability to act proactively strengthens brand reputation, generates continuous learning about consumer preferences and positions the company as a reference in innovation. Data-driven decisions optimize sustainability and growth even in volatile scenarios.

How to predict churn

Customers rarely leave a brand without reason. Unsatisfactory service, high prices, lack of innovation and negative experiences are common triggers. Lack of personalization or recurring issues accelerate departures.

Monitoring late payments, declines in usage and negative feedback is essential to detect risks. Companies in dynamic sectors, such as those in the technology and financial services cluster, must be especially attentive: churn can compromise scalability and competitiveness. Understanding these triggers guides the creation of strong predictive models.

1. Behavioral data

Analyzing behavioral data is essential for anticipating churn. Access frequency, purchase history, cart abandonment, search patterns and reviews are examples of signals monitored by analytics and AI.

Integrating information from multiple channels — from the app to the call center — expands visibility into the customer journey. Structuring this data allows predictive systems to detect patterns and offer retention opportunities before risks become reality. Companies that invest in behavioral insights personalize offers, adjust service and promote stronger loyalty.

2. Building predictive models to forecast churn

Predictive models based on machine learning analyze data to identify customers in the risk zone. The process involves detailed data collection, variable selection and constant validation.

Tools like Python, R and cloud platforms accelerate development. Automation and generative AI optimize analysis time by suggesting innovative variables and adjusting algorithms as conditions change.

With well-calibrated models, it is possible to act quickly, test approaches and adapt strategies according to customer profiles, improving the accuracy of retention campaigns.

How does artificial intelligence help with customer retention?

Artificial intelligence is an ally for automating the analysis of large volumes of data, identifying customers prone to churn and recommending personalized interventions. Continuously learning algorithms refine predictions, making actions more effective and better aligned with customer context.

AI detects subtle behavioral patterns, such as changes in access frequency or shifts in preferences, that might go unnoticed in traditional analyses. This enables more relevant experiences and increases engagement and loyalty.

Actions to retain customers

When a customer is identified as at risk, the response must be quick and personalized. Segmented campaigns, exclusive offers, contract renegotiations and improvements in products or services are effective strategies to reverse churn.

Teams with access to real-time information personalize service, increasing satisfaction and loyalty. A/B testing, feedback analysis and interactive dashboards help refine strategies and prioritize resources.

Replacing mass marketing with data-driven actions boosts retention, making each intervention more efficient.

1. Success indicators

Tracking key indicators is essential to assess the impact of retention actions. Metrics such as monthly churn rate, average customer lifetime, reactivation rate and Net Promoter Score provide a clear view of results.

Real-time dashboards make quick adjustments easier and allow continuous monitoring of trends, making decision-making more agile and secure. The use of advanced, data-driven metrics drives sustainable growth.

The future of predicting customer churn is driven by automation, integration of analytics, generative AI and blockchain. These technologies increase accuracy, security and the reliability of analyzed data.

Innovative deep learning approaches accelerate understanding of customer behavior, delivering faster and more sustainable results. Organizations of all sizes gain an advantage by investing in retention technology, ensuring sustainability and growth even in challenging scenarios. Keep following our blog to read other posts! Until next time.

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