#Mexico #Cancun #financial inclusion #ANBC #Brazil Credit Model

Brazil's Innovative Rural Credit Model at WCCRC 2025

On October 13, 2025, the National Association of Credit Bureaus (ANBC) presented Brazil's transformative rural credit model at the World Consumer Credit Reporting Conference (WCCRC) held in Cancún, Mexico. This global event rotates discussions on credit policies and data management that enhance financial inclusivity. Brazil’s framework for integrating data and conducting credit analysis specifically in the agribusiness sector is gaining recognition as a reference point for countries striving for improved financial inclusion.

Elias Sfeir, the executive president of ANBC, led a panel discussion entitled "Unlocking Rural Potential through Data and Credit Intelligence: How Credit Bureaus Foster Inclusive Growth in Agriculture." Sfeir was accompanied by representatives from Brazil’s Central Bank and the Ministry of Agriculture and Livestock, indicating a collaborative effort aimed at refining Brazil's agricultural financing landscape. During the session, he emphasized the potential of credit systems as catalysts that drive productivity and promote sustainability within the agriculture sector.

Agribusiness is a cornerstone of Brazil's economy, accounting for roughly 25% of its GDP. Sfeir asserted that the sector is entering a significant growth phase requiring sophisticated financial mechanisms to diminish inefficiencies and broaden access to credit. He stated, "A credit scoring system specially tailored for agribusiness not only increases access to the financial system for small and medium-sized producers but also fosters an environment conducive to both private and international investments aligned with the Sustainable Development Goals."

The initiative to develop this model has garnered international acclaim and represents a collaborative endeavor between credit bureaus, governmental authorities, and financial institutions. Participants from various countries, including central bank officials and representatives of multilateral organizations, engaged in discussions on how Brazil’s experience can inspire similar protocols globally. The emphasis is on demonstrating how effective data management can nurture sustainable policies in rural credit that effectively balance risk while promoting new financing opportunities.

The WCCRC 2025 is a platform bringing together over 25 distinguished experts from a diverse array of institutions, including the World Bank, BIIA, IFC, ACCIS, and major credit bureaus such as TransUnion, Equifax, and Experian. The aim is to enhance global cooperation that supports robust credit systems while establishing frameworks that equally weigh inclusive growth, innovation, and responsible data governance to advance sustainable development strategies.

Sfeir shared his pride in participating alongside industry leaders from around the world, stating, "This collaboration exemplifies our commitment to enhancing the global credit ecosystem and brings invaluable insights back to Brazil. We strive to share our successful strategies and learn from others to drive advancements in our financial systems."

This global stage not only highlights Brazil’s dedication to fostering progressive credit policies but also showcases the potential for international collaboration in creating a more inclusive financial future. As countries look for models that prioritize innovation in credit access and data management, Brazil's experience offers a promising pathway forward. With ongoing discussions and technical exchanges, the development of sustainable financial systems in agribusiness could see widespread implementation around the globe.