Description
The payment industry in Brazil is undergoing massive changes. The introduction of PIX has completely disrupted the acquiring landscape, instantaneous transfer for free means that debit cards, DOC or TED transactions are not a revenue line anymore. Brazil's Central Bank has decisively won this race to the bottom.
The industry's focus has shifted entirely towards credit, not just through traditional vehicles like credit cards and installment loans but also through innovative modalities like "Pix credit" and "auto repayments." These are set to become the new norms. The future has arrived.
Pix also changed the e-commerce industry. In the past most online shops would not accept debit cards, so all transactions were credit card ones, with pix integration the volume of credit card transactions decreased significantly.
The competition is intensifying, and the landscape is more accessible; one no longer needs an issuer banking license to deliver a "credit card-like" experience—just a credit provider license, which is much easier to acquire.
Whoever is able to give better, faster and easier to use credit experience will stand out. Credit is both the past and the future of money. The critical questions now are how we lend and to whom we lend.
Having said that, the task at hand to anyone trying to compete in the industry is:
1. Explore the new evolving credit landscape
2. Develop new credit products with outstanding user interface
3. Create new credit models
At CloudWalk, we are dedicated to building superior credit products and models. We like navigating the complex waters of the "Pix credit" landscape. We are seeking a Flutter Mobile Developer to join our lending team and help pave the path to the future of payments in Brazil.
Wanna know more about CloudWalk?
The payment industry in Brazil is undergoing massive changes. The introduction of PIX has completely disrupted the acquiring landscape, instantaneous transfer for free means that debit cards, DOC or TED transactions are not a revenue line anymore. Brazil's Central Bank has decisively won this race to the bottom.
The industry's focus has shifted entirely towards credit, not just through traditional vehicles like credit cards and installment loans but also through innovative modalities like "Pix credit" and "auto repayments." These are set to become the new norms. The future has arrived.
Pix also changed the e-commerce industry. In the past most online shops would not accept debit cards, so all transactions were credit card ones, with pix integration the volume of credit card transactions decreased significantly.
The competition is intensifying, and the landscape is more accessible; one no longer needs an issuer banking license to deliver a "credit card-like" experience—just a credit provider license, which is much easier to acquire.
Whoever is able to give better, faster and easier to use credit experience will stand out. Credit is both the past and the future of money. The critical questions now are how we lend and to whom we lend.
Having said that, the task at hand to anyone trying to compete in the industry is:
1. Explore the new evolving credit landscape
2. Develop new credit products with outstanding user interface
3. Create new credit models
At CloudWalk, we are dedicated to building superior credit products and models. We like navigating the complex waters of the "Pix credit" landscape. We are seeking a Flutter Mobile Developer to join our lending team and help pave the path to the future of payments in Brazil.
Wanna know more about CloudWalk?
Responsibilities:
Good to have:
Of course, we are not expecting candidates to have expertise across all of these items. We will gladly help you bridge the gaps.
