ANBC Showcases Latin American Insights on AI in Credit Analysis at ACCIS Conference

The National Association of Credit Bureaus (ANBC) participated in the annual conference of the Association of Consumer Credit Information Suppliers (ACCIS) held in Vienna, Austria on May 21 and 22, 2026. At this significant event, the organization presented valuable insights on the applications of artificial intelligence (AI) within the credit information sector. Elias Sfeir, the organization's executive director, took part in a panel discussion titled "Smart Use of Artificial Intelligence in Credit Information". This discussion focused on sharing experiences through case studies regarding the implementation of AI technology in this vital sector.

Joining Elias on the panel were esteemed experts in the field, including Júlia Kössner, head of the Innovation Lab at KSV1870, Mürsel Tasgin, head of the AI Division at KKB, and Natalia Shchelovanova, global head of Open Innovation and Ecosystem at CRIF. The collaboration aimed to foster a deeper understanding of how AI can drive transformative changes in the landscape of credit analysis.

During the discussion, the ANBC showcased experiences from Brazil and other Latin American countries, emphasizing key applications in risk analysis, credit issuance, debt collection, and financial education. One notable example highlighted was an automated system designed for micro and small enterprises, which supports credit analysis, approval, limit setting, and financial advice for a staggering 22.5 million Brazilian businesses. This innovative approach underscores the impact AI can have on enhancing credit access for small businesses, thus stimulating economic growth.

Furthermore, the ANBC shared insights into the automation of forecasting models, a process that has significantly improved efficiency. By leveraging AI, it was possible to reduce the model development time from four weeks to a swift two to five days, all while slashing modeling costs by 66%. In addition, the panel presented successful AI applications concerning debt collection strategies. Machine learning tools have led to a remarkable 10% increase in average collection rates for financial institutions, demonstrating the practical benefits of harnessing AI in this domain.

In the realm of financial education, the presentation also included a natural language app designed to provide users with easy access to financial content and advice. According to data shared by the organization, a notable 38% of Brazilians utilize AI daily for matters related to their financial lives. The primary purposes for this technology's use encompass financial planning, account management, and budgeting.

Elias Sfeir emphasized, "The evolution of AI in credit involves operational improvements, cost reductions, enhanced customer experiences, and a broader access to financial services. This process also requires the establishment of governance structures, team development, and an organizational culture aligned with the initiative, always considering the human factor. The intelligence is artificial, and human awareness is pivotal in this transformation."

This conference marked a pivotal moment for ANBC, allowing for knowledge sharing and collaboration that could influence the future of credit analysis. By bringing together diverse experts in the field, the discussions highlighted the vital role that AI can play in improving credit systems and fostering financial inclusion, particularly in emerging markets like Brazil. As the industry continues to evolve, the insights gained from this exchange of ideas will undoubtedly shape the future of credit analysis in the years to come.