{"id":94388,"date":"2026-03-17T16:27:05","date_gmt":"2026-03-17T10:57:05","guid":{"rendered":"https:\/\/datacultr.com\/?p=94388"},"modified":"2026-04-22T18:02:46","modified_gmt":"2026-04-22T12:32:46","slug":"como-escalar-o-financiamento-de-celulares-na-america-latina-com-suporte-a-todas-as-marcas","status":"publish","type":"post","link":"https:\/\/datacultr.com\/blogs\/tablet-financing\/como-escalar-o-financiamento-de-celulares-na-america-latina-com-suporte-a-todas-as-marcas\/","title":{"rendered":"Como Escalar o Financiamento de Celulares na Am\u00e9rica Latina com Suporte a Todas as Marcas"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"94388\" class=\"elementor elementor-94388\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7af485f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7af485f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b2021d4\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"b2021d4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-aa7f0c8 elementor-widget elementor-widget-text-editor\" data-id=\"aa7f0c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This content is also available in English. <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/device-financing\/scaling-cell-phone-financing-in-latam-across-all-smartphone-brands\/\" target=\"_blank\" rel=\"noopener\">Click here<\/a><\/span><\/strong> to read the English version.<\/span><br \/>(<span style=\"font-weight: 400;\">Este conte\u00fado tamb\u00e9m est\u00e1 dispon\u00edvel em ingl\u00eas. <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/device-financing\/scaling-cell-phone-financing-in-latam-across-all-smartphone-brands\/\" target=\"_blank\" rel=\"noopener\">Clique aqui<\/a><\/span><\/strong> para ler a vers\u00e3o em ingl\u00eas.<\/span>)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-243be4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"243be4c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-61bbc0d\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"61bbc0d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5621276 elementor-widget elementor-widget-text-editor\" data-id=\"5621276\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">O mercado de smartphones na Am\u00e9rica Latina n\u00e3o \u00e9 definido por um \u00fanico fabricante. Samsung e Xiaomi lideram os volumes regionais, a Motorola mant\u00e9m forte presen\u00e7a em diversos mercados, e marcas como Honor, OPPO e Realme competem nos segmentos intermedi\u00e1rios. Operadoras como <\/span><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.claro.com.co\/personas\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Claro<\/span><\/a><\/span><span style=\"font-weight: 400;\"> e <\/span><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.altice.com.do\/personal\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Altice<\/span><\/a><\/span><span style=\"font-weight: 400;\">, juntamente com financeiras como a <\/span><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/celularesfiao.net\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Celulares Fiao<\/span><\/a><\/span><span style=\"font-weight: 400;\">, financiam dispositivos dentro dessa diversidade de marcas.<\/span><\/p><p><span style=\"font-weight: 400;\">Ao mesmo tempo, em cidades como Cidade do M\u00e9xico, S\u00e3o Paulo, Bogot\u00e1, <\/span><b>Lima e Santo Domingo, o financiamento de celulares est\u00e1 se tornando a principal forma de os consumidores adquirirem smartphones.<\/b><\/p><p><span style=\"font-weight: 400;\">Essa mudan\u00e7a reflete o quanto a conectividade m\u00f3vel se tornou essencial para as atividades do dia a dia em toda a regi\u00e3o. O relat\u00f3rio <\/span><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-economy\/latam\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">GSMA Mobile Economy LATAM<\/span><\/a><\/span><span style=\"font-weight: 400;\"> estima que as tecnologias m\u00f3veis geraram mais de <\/span><span style=\"font-weight: 400;\">US$ 550 bilh\u00f5es em valor econ\u00f4mico, tornando o financiamento de celulares uma grande oportunidade de crescimento para operadoras, institui\u00e7\u00f5es financeiras e varejistas.<\/span><\/p><p><span style=\"font-weight: 400;\">No entanto, \u00e0 medida que os programas de financiamento de dispositivos se expandem na Am\u00e9rica Latina, muitos enfrentam uma limita\u00e7\u00e3o estrutural: <\/span><b>suas solu\u00e7\u00f5es de bloqueio de dispositivos n\u00e3o suportam toda a diversidade de marcas que os clientes demandam.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ff90e9b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ff90e9b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-41be06b\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"41be06b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-67d2e8c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67d2e8c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6d0ac30\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"6d0ac30\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8c51894 elementor-widget elementor-widget-heading\" data-id=\"8c51894\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O Que os Bloqueios Limitados por Marca Obrigam as Financeiras a Fazer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-225ea4a elementor-widget elementor-widget-text-editor\" data-id=\"225ea4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u00c0 primeira vista, a limita\u00e7\u00e3o de marcas pode parecer apenas um problema comercial: menos dispositivos financiados e um mercado endere\u00e7\u00e1vel menor. Por\u00e9m, quando uma tecnologia de bloqueio de dispositivos suporta apenas determinados ecossistemas de OEMs, as empresas de financiamento geralmente acabam em uma destas tr\u00eas situa\u00e7\u00f5es:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-52b7332 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"52b7332\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-8f90eb0\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"8f90eb0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-93c3fe9 elementor-widget elementor-widget-text-editor\" data-id=\"93c3fe9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Restringir o financiamento apenas \u00e0s marcas suportadas<\/b><span style=\"font-weight: 400;\">, <br \/>mesmo quando os clientes desejam alternativas.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-95737d0\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"95737d0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4994749 elementor-widget elementor-widget-text-editor\" data-id=\"4994749\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Operar dois sistemas de bloqueio para cobrir fabricantes diferentes<\/b><span style=\"font-weight: 400;\">,<br \/>aumentando a complexidade de integra\u00e7\u00e3o e os custos operacionais.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\" elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-d9462db\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"d9462db\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-09f58b0 elementor-widget elementor-widget-text-editor\" data-id=\"09f58b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Aceitar um controle desigual<\/b><span style=\"font-weight: 400;\">,<br \/>em que alguns celulares financiados ficam fora de uma cobertura consistente de bloqueio e controle.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d9d1aa elementor-widget elementor-widget-text-editor\" data-id=\"4d9d1aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Em cada um desses cen\u00e1rios, o crescimento do financiamento de celulares fica vinculado \u00e0 compatibilidade do dispositivo, <\/span><b>e n\u00e3o \u00e0 capacidade de pagamento do cliente<\/b><span style=\"font-weight: 400;\">. Com o tempo, essa depend\u00eancia limita a expans\u00e3o e enfraquece a consist\u00eancia do portf\u00f3lio, especialmente em mercados onde as prefer\u00eancias por marcas mudam rapidamente e os programas de financiamento competem por alcance.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-479817a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"479817a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ce8561a\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"ce8561a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1bc77cd elementor-widget elementor-widget-heading\" data-id=\"1bc77cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A Abordagem da Datacultr para Gest\u00e3o de Risco no Financiamento de Celulares na Am\u00e9rica Latina\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a8ef2a elementor-widget elementor-widget-text-editor\" data-id=\"9a8ef2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A tecnologia de bloqueio de dispositivos da <\/span><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/device-lock\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Datacultr suporta todas as marcas e modelos<\/span><\/a><\/span><span style=\"font-weight: 400;\"><span style=\"color: #0000ff;\">,<\/span> permitindo que institui\u00e7\u00f5es financeiras ampliem programas de celulares parcelados sem restringir a elegibilidade dos dispositivos ou operar sistemas paralelos.<\/span><\/p><p><span style=\"font-weight: 400;\">Em vez de gerenciar estruturas fragmentadas de bloqueio, todo o portf\u00f3lio de financiamento de celulares pode operar por meio de <\/span><b>uma \u00fanica estrutura unificada de controle de dispositivos<\/b><span style=\"font-weight: 400;\">. Controle, relat\u00f3rios e visibilidade s\u00e3o centralizados. A l\u00f3gica de bloqueio permanece consistente em todos os celulares financiados, fortalecendo a gest\u00e3o de risco no financiamento de dispositivos (DFRM) independentemente da combina\u00e7\u00e3o de marcas.<\/span><\/p><p><span style=\"font-weight: 400;\">O recurso <\/span><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/auto-lock\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Auto Lock da Datacultr<\/span><\/a><\/span><span style=\"font-weight: 400;\"> refor\u00e7a ainda mais esse controle. Os dispositivos podem ser bloqueados em uma data predefinida, mesmo quando est\u00e3o offline. O bloqueio n\u00e3o depende de conectividade constante. Em mercados onde o acesso \u00e0 rede pode variar, isso ajuda a manter a disciplina de pagamento e reduz tentativas de evas\u00e3o deliberada.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c8514f4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c8514f4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8632267\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"8632267\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-401e48f elementor-widget elementor-widget-heading\" data-id=\"401e48f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comunica\u00e7\u00e3o Estruturada ao Longo de Todo o Ciclo de Pagamento\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1aff3c elementor-widget elementor-widget-text-editor\" data-id=\"b1aff3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">No mercado da Am\u00e9rica Latina, baseado em pagamentos parcelados, a gest\u00e3o eficaz de risco no financiamento de dispositivos n\u00e3o se limita ao bloqueio. Ela exige comunica\u00e7\u00e3o estruturada com o cliente em cada etapa do ciclo de pagamento.<\/span><\/p><p><span style=\"font-weight: 400;\">A <\/span><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Datacultr<\/span><\/a><\/span><span style=\"font-weight: 400;\"> incorpora a comunica\u00e7\u00e3o diretamente ao ciclo de pagamento:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Antes da data de vencimento<\/b><span style=\"font-weight: 400;\">, os clientes recebem lembretes claros diretamente no dispositivo financiado, incentivando pagamentos em dia e reduzindo atrasos iniciais.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Quando os pagamentos atrasam<\/b><span style=\"font-weight: 400;\">, a comunica\u00e7\u00e3o se intensifica. Alertas persistentes no dispositivo e compromissos estruturados de pagamento ajudam a orientar os clientes de volta ao comportamento regular de pagamento antes que medidas mais r\u00edgidas sejam necess\u00e1rias.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Se o atraso continuar<\/b><span style=\"font-weight: 400;\">, as restri\u00e7\u00f5es do dispositivo aumentam progressivamente. Mesmo nesse est\u00e1gio, a comunica\u00e7\u00e3o permanece ativa e vis\u00edvel, garantindo que o bloqueio esteja alinhado ao comportamento do cliente.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Essa abordagem garante que a comunica\u00e7\u00e3o venha primeiro e o bloqueio depois. Ao combinar infraestrutura unificada de bloqueio de dispositivos com fluxos estruturados de engajamento ao longo das etapas de pagamento, a Datacultr permite crescimento escal\u00e1vel ao mesmo tempo em que mant\u00e9m disciplina de pagamento e visibilidade do portf\u00f3lio.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-77f93d2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77f93d2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b8ffd0d\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"b8ffd0d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-202ce2b elementor-widget elementor-widget-heading\" data-id=\"202ce2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclus\u00e3o: A Mudan\u00e7a Estrat\u00e9gica \u00e0 Frente<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70fd51e elementor-widget elementor-widget-text-editor\" data-id=\"70fd51e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">O financiamento de celulares na Am\u00e9rica Latina continuar\u00e1 a se expandir. Os modelos de BNPL crescer\u00e3o. A diversidade de marcas aumentar\u00e1. As expectativas dos consumidores tamb\u00e9m.<\/span><\/p><p><span style=\"font-weight: 400;\">A quest\u00e3o para as institui\u00e7\u00f5es financeiras j\u00e1 n\u00e3o \u00e9 se devem usar tecnologia de bloqueio de dispositivos. A quest\u00e3o \u00e9 se sua infraestrutura permite escalar sem restri\u00e7\u00f5es de marca, mantendo ao mesmo tempo comunica\u00e7\u00e3o estruturada com os clientes durante todo o ciclo de pagamento.<\/span><\/p><p><span style=\"font-weight: 400;\">O crescimento sustent\u00e1vel no financiamento de celulares exige controle unificado de dispositivos e engajamento integrado, e n\u00e3o sistemas paralelos vinculados a ecossistemas limitados de fabricantes.<\/span><\/p><p><span style=\"font-weight: 400;\">Se voc\u00ea est\u00e1 avaliando como fortalecer sua estrat\u00e9gia de gest\u00e3o de risco no financiamento de dispositivos, <\/span><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/dc-webalias.wrtual.in\/blogs\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">fale com nossa equipe para<\/span><\/a><\/span><span style=\"font-weight: 400;\"> entender como a Datacultr pode ajudar a oferecer controle unificado e engajamento estruturado com clientes em todo o seu portf\u00f3lio.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a28dfad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a28dfad\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6df864a\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"6df864a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-edc92f4 elementor-widget elementor-widget-heading\" data-id=\"edc92f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sobre a Datacultr<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2ced4c elementor-widget elementor-widget-text-editor\" data-id=\"e2ced4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A Datacultr \u00e9 uma plataforma digital de gest\u00e3o de risco e dispositivos, confiada por bancos l\u00edderes, NBFCs, operadoras de telecomunica\u00e7\u00f5es, OEMs e redes varejistas em mais de 35 pa\u00edses. A plataforma suporta milh\u00f5es de dispositivos, incluindo smartphones, tablets, laptops, smart TVs, aparelhos de ar-condicionado e outros bens dur\u00e1veis de consumo. Ela permite programas seguros de financiamento de dispositivos e Device as a Service (DaaS) em grande escala.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2fd8bb2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2fd8bb2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-48ede0c\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"48ede0c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e6376b5 elementor-widget elementor-widget-heading\" data-id=\"e6376b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Perguntas Frequentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aa48e75 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aa48e75\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\" elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a4b3781\" data-fullscreen-column-settings=\"{&quot;fullscreen&quot;:&quot;&quot;}\" data-id=\"a4b3781\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4025617 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"4025617\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-4025617\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"4025617\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"por-que-a-cobertura-de-marcas-importante-no-financiamento-de-celulares-na-amrica-latina\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-6721\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><h3 class=\"eael-accordion-tab-title\">Por que a cobertura de marcas \u00e9 importante no financiamento de celulares na Am\u00e9rica Latina?<\/h3><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-right\"><\/i><\/div><div id=\"elementor-tab-content-6721\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"por-que-a-cobertura-de-marcas-importante-no-financiamento-de-celulares-na-amrica-latina\"><p><span style=\"font-weight: 400\">O financiamento de celulares na Am\u00e9rica Latina opera em um mercado multimarcas. Se a tecnologia de bloqueio de dispositivos suporta apenas alguns fabricantes, os credores correm o risco de perder vendas e limitar a expans\u00e3o. Plataformas como a Datacultr resolvem esse problema com tecnologia unificada de bloqueio de dispositivos que suporta todas as marcas e modelos.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"o-que-acontece-quando-um-cliente-perde-um-pagamento-em-um-programa-de-financiamento-de-celular\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-6722\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><h3 class=\"eael-accordion-tab-title\">O que acontece quando um cliente perde um pagamento em um programa de financiamento de celular?<\/h3><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-right\"><\/i><\/div><div id=\"elementor-tab-content-6722\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"o-que-acontece-quando-um-cliente-perde-um-pagamento-em-um-programa-de-financiamento-de-celular\"><p><span style=\"font-weight: 400\">Quando um pagamento \u00e9 perdido, o engajamento da Datacultr come\u00e7a antes que as restri\u00e7\u00f5es sejam intensificadas. Os clientes recebem lembretes claros e acompanhamentos para regularizar as parcelas. Se os atrasos continuarem, as restri\u00e7\u00f5es do dispositivo s\u00e3o aplicadas progressivamente para incentivar o pagamento sem causar interrup\u00e7\u00f5es abruptas.<\/span><\/p><p><span style=\"font-weight: 400\">A Datacultr tamb\u00e9m suporta essa abordagem em tablets, laptops, smart TVs, aparelhos de ar-condicionado e outros bens dur\u00e1veis, permitindo que os credores gerenciem m\u00faltiplos portf\u00f3lios de produtos por meio de um \u00fanico sistema.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"por-que-a-datacultr-preferida-para-programas-de-financiamento-de-dispositivos-na-amrica-latina\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-6723\"><span class=\"eael-advanced-accordion-icon-closed\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-plus\"><\/i><\/span><span class=\"eael-advanced-accordion-icon-opened\"><i aria-hidden=\"true\" class=\"fa-accordion-icon fas fa-minus\"><\/i><\/span><h3 class=\"eael-accordion-tab-title\">Por que a Datacultr \u00e9 preferida para programas de financiamento de dispositivos na Am\u00e9rica Latina?<\/h3><i aria-hidden=\"true\" class=\"fa-toggle fas fa-angle-right\"><\/i><\/div><div id=\"elementor-tab-content-6723\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"por-que-a-datacultr-preferida-para-programas-de-financiamento-de-dispositivos-na-amrica-latina\"><p><span style=\"font-weight: 400\">A Datacultr permite que credores financiem dispositivos de todas as marcas de smartphones<\/span><span style=\"font-weight: 400\"> sem ficarem restritos a tecnologias de bloqueio espec\u00edficas de cada fabricante.<br \/><\/span><span style=\"font-weight: 400\">Por meio de um \u00fanico dashboard, os credores podem monitorar dispositivos financiados, <\/span><span style=\"font-weight: 400\">manter o engajamento com os clientes e aplicar controles no n\u00edvel do dispositivo quando necess\u00e1rio. Essa plataforma unificada oferece visibilidade e controle completos em todo o ciclo de engajamento e bloqueio, ao mesmo tempo em que suporta m\u00faltiplas categorias de dispositivos.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>This content is also available in English. Click here to read the English version. (Este conte\u00fado tamb\u00e9m est\u00e1 dispon\u00edvel em ingl\u00eas. Clique aqui para ler a vers\u00e3o em ingl\u00eas.) O mercado de smartphones na Am\u00e9rica Latina n\u00e3o \u00e9 definido por um \u00fanico fabricante. Samsung e Xiaomi lideram os volumes regionais, a Motorola mant\u00e9m forte presen\u00e7a [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":94506,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[401,402,403,395,396,397,398,399,400],"class_list":["post-94388","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tablet-financing","tag-celular-financiado","tag-bloqueo-del-dispositivo","tag-bloqueo-de-telefono","tag-financiacion-de-dispositivos","tag-financiamiento-de-telefonos-celulares","tag-financiamiento-de-celulares","tag-financiamiento-celulares","tag-financiamiento-celular","tag-controlador-de-bloqueo-de-dispositivo"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financiamiento de Celulares en LATAM sin L\u00edmites de Marca<\/title>\n<meta name=\"description\" content=\"Impulsa el financiamiento de celulares en LATAM con tecnolog\u00eda SaaS, control de dispositivos y herramientas de pago que reducen riesgos y mejoran la cobranza.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/datacultr.com\/blogs\/tablet-financing\/como-escalar-o-financiamento-de-celulares-na-america-latina-com-suporte-a-todas-as-marcas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financiamiento de Celulares en LATAM sin L\u00edmites de Marca\" \/>\n<meta property=\"og:description\" content=\"Impulsa el financiamiento de celulares en LATAM con tecnolog\u00eda SaaS, control de dispositivos y herramientas de pago que reducen riesgos y mejoran la cobranza.\" \/>\n<meta property=\"og:url\" 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