巴西的普惠金融与支付.pdf

2020 5 Erika EBANX EBANX 1 20 2017 46 4,500 Serasa SPC SPC CNDL 18 95 6000 39.6 - GDP (%) 90 100 (%) -7% -3,5% 0% 3,5% 7% 10,5% 14% -1% 499% 999% 1.499% 2.000% 2.500% 3.000% 1940 1943 1946 1949 1952 1955 1958 1961 1964 1967 1970 1973 1976 1979 1982 1985 1988 1991 1994 1997 2000 2003 2006 2009 2012 2015 2018 -1% -2.7% -2.2% 11.6% 8.5% 9.7% 3% 10.8% 0.8% 11.4% 13.9% 3.2% 9.1% -4.3% -3.4% 8% -3.1% 5.3% 0.3% 5.8% -0.1% 7.5% -3% 1.1% 2,708% 1782% - 3,000 12 2018 50 79% 6 3 21 30% 64% 56 34% 34% 3 12 60 60 26% 26% 2 3 BOLETO Boleto 1993 10 7 1994 1 3 Febraban 2017 37 Boleto boleto Boleto Boleto Boleto app ( ) BOLETO Boleto Boleto EBANX 15,000 Boleto : Boleto Boletos 2017 7,500 Boleto 43.3 22.6 APP 11.7 11.5 ATM 7.4 0K 8K 15K 23K 30K 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Personal Computers Call Centers Smartphones and Tablets EBANX - 70 0% 15% 30% 45% 60% 2% 15% 31% 52% 4% 4% 35% 57% 2013 2018 / Picpay Rappi Iti PagBank 2020 ebanx