Produção Nacional
Revisado por pares
ICT Helping to Scale up Microfinance
2014; IGI Global; Volume: 22; Issue: 1 Linguagem: Inglês
10.4018/jgim.2014010103
ISSN1533-7995
AutoresEduardo Henrique Diniz, Martin Jayo, Marlei Pozzebon, Frédéric Lavoie, Flávio Henrique dos Santos Foguel,
Tópico(s)FinTech, Crowdfunding, Digital Finance
ResumoFinding ways to downscale microfinance is one of the current challenges facing commercial banks, especially in developing countries. As banks have a poor knowledge of microfinance, operating in this market will require capacity-building, innovative business models and new technological architectures. This paper discusses how one particular architecture – the Brazilian model of correspondent banking (CB) – is helping banks cope with these challenges. Since the model was created, in 2000, it has allowed banks to downscale financial services outside their traditional branches and establish successful partnerships with local microfinance institutions (MFIs). The authors focus on one particular case involving a partnership between an accredited MFI (Banco Palmas) and two major banks (Banco do Brasil e Caixa Econômica Federal), to make the argument that the Brazilian CB model represents an innovation at the “meso level”, defined by Helms (2006) as the infrastructure comprising a network of service providers necessary to the operation of MFIs.
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