Empowering SMEs in Brazil: How Dinie is Reimagining Credit with Suzy Ferreira

Suzy Ferreira, co-founder of Dinie, is on a mission to transform credit access for small businesses in Brazil. In this episode, Suzy shares her journey and the inspiration behind Dinie, an embedded lending fintech breaking barriers for SMEs. Discover how Dinie’s innovative, data-driven approach—embedding lending into platforms like iFood and leveraging real-time insights—is empowering small businesses to access the credit they need to grow and succeed.

Discussion Highlights:

• Suzy Ferreira’s journey: Suzy, co-founder of Dinie, opens up about her father's struggles with credit access, and how that inspired her mission to transform lending for small businesses, ultimately laying the foundation for Dinie. 
• Dinie's Approach: Dinie, a Brazilian embedded lending fintech, is redefining SME lending by embedding credit solutions directly into platforms like iFood, offering seamless access to financial resources where businesses already operate. 
• Challenges of Credit Access for SMEs in Brazil: Suzy highlights the systemic barriers Brazilian SMEs face, such as high-interest loans, cultural reliance on cash, and limited financial products tailored to their needs. 
• How Dinie Works: Dinie’s innovative approach leverages real-time data like sales revenue and transaction patterns, enabling accurate credit assessments and proactive lending to SMEs. 
• Hot Money: Suzy explains Dinie’s product, Hot Money, designed to provide working capital tailored to an SME’s revenue flow, minimizing debt risk while fostering growth. 
• The Concept of the Invisible Bank: Suzy introduces the idea of an "invisible bank," where lending becomes seamless, integrated, and unobtrusive, revolutionizing how businesses access financial services.

About Fintech Files:

Are you ready to unravel the most innovative trends disrupting the world of Fintech today?

Join us on Fintech Files from BCG Platinion, where we delve deep into the dynamic landscape of Fintech, NeoBanks, and the Digital Banking world, sparking insightful conversations with industry disruptors from around the globe. So, what are the most groundbreaking trends shaping the future of Fintech, and how will they impact your financial world? Fintech Files takes an accessible approach to technology. We break down complex topics and have our guests explain them in a relatable "explain it to your grandma" style. In every episode, we focus on real-world stories of how financial technology operates, demystifying complex concepts and making them relatable for both Fintech enthusiasts and professionals.

The Hosts of Fintech Files:

Hosted by Nora Hocke, a manager at BCG Platinion in Munich, and Annika Melchert, a principal currently based in the Middle East, our hosts specialize in IT strategy, modern tech architecture, and state-of-the-art banking. In their work, they've collaborated with some of today's most innovative Fintechs to transform their organizations; including supporting generative Al use cases. With their unique blend of tech expertise and passion, they bring you stories that capture the essence of the evolving Fintech landscape. This season, we're thrilled to introduce Bianca Lopes. Originally from Brazil and currently based in Denmark, Bianca is an entrepreneur and economist with a remarkable background in digital identity and biometrics. Throughout her career, she has...