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Funding and advertised pay are reported in USD; filed accounts retain their stated source currency and basis.

Exchange-rate basis

Indicative conversions use ECB reference rates dated 2026-09-14, applied consistently across all periods. They are not historical exchange rates. Indian rupees may use crore (1 crore = 10 million); other currencies use K, M and B. CSV downloads, source documents and quoted news headlines retain their original currencies.

THE BRAZIL EDITION 2026

Brazil’s
digital lending industry,
in focus.

The companies, capital and talent shaping digital lending in Brazil. Find the leaders. Understand the segments. See where the activity is.

Explore in Radar Read the key signals
Snapshot: Funding in USD
Illustrated cover for Digital Lending Industry Landscape of Brazil
BR
COMPANIES · CAPITAL · TALENT

An industry ecosystem,
measured in context.

Digital Lending illustration
Companies tracked 262Digital Lending ecosystem in Brazil Disclosed funding $3.16B78 companies · all recorded rounds Companies hiring 19With open roles at the snapshot Tracked open roles 280 employers posted in the preceding 30 days
MEET THE COMPANIES

Explore Brazil’s digital lending leaders

24 featured companies from the funding, hiring, revenue and team-size leaderboards.

Expand panel +
Explore the full landscape
Digital Lending company highlights in Brazil, snapshot 4 September 2026
Company
Creditascreditas.com$1.01B1 roles2,899—
Solfácilsolfacil.com.br$346.32M———
Agrolendagrolend.agr.br$96.21M—43—
PRAVALERpravaler.com.br$86.1M3 roles462—
Gringogringo.com.vc$85.54M—218—
Educbankeducbank.com.br$65.8M—78—
Paketapaketa.com.br$65.5M—68—
WEELweel.com.br$63.1M—76—
Parcelexparcelex.com.br—4 roles27—
Krediligkredilig.com.br—3 roles——
Konsikonsi.com.br—2 roles46—
Supersimsupersim.com.br—2 roles196—
ATF.Creditatf.credit—1 roles——
Nagronagro.com.br—1 roles84—
Capitalkapitale.com.br————
Consigneiconsignei.com.br————
Crefisacrefisa.com.br————
Divibankdivibank.co——46—
Faciofacio.com.br——38—
FinanZerofinanzero.com.br——70—
Gooroo Crditogooroocredito.com.br————
Monkey Exchangemonkey.exchange——347—
Tinotino.com.br——120—
Umeume.com.br——165—
24 featured companies

Locked revenue figures are available in Radar; the eight company financial previews stay the same throughout this page. A dash means the figure is outside these featured lists. Revenue years vary by company; the figures are not a like-for-like revenue comparison. Compare annual accounts ↗

Company discovery

Recorded evidence only
THE KEY SIGNALS

Digital Lending industry KPIs in Brazil

A few useful ratios bring the size of this ecosystem into perspective.

4 September 2026
Hiring participation7.3%

19 of 262 tracked companies have open roles.

Funding participation33.6%

88 of 262 tracked companies have a recorded round.

Top 3 funding share46.0%

Share of disclosed capital received by the three largest recorded recipients.

Median disclosed round$5M

Midpoint of 157 rounds with a disclosed amount.

Scale is concentrated. Opportunity is broader. The three largest funding recipients hold 46.0% of disclosed capital, while 66.4% of tracked companies have no recorded funding round.

Explore the segments →
CAPITAL & COMPANY FORMATION

How Brazil digital lending has grown

Recorded company formation and disclosed funding across the complete annual series shown.

Expand panel +
2016 — 2025

Disclosed funding by year

Sum of recorded funding rounds · USD

Brazil digital lending
$0$196.81M$393.63M$590.44M$787.25M2016: $7.77M20162017: $100M20172018: $86.06M20182019: $580.36M20192020: $350.31M20202021: $443.63M20212022: $690.57M20222023: $134.89M20232024: $314.14M20242025: $375.54M2025
View the numbers
Annual digital lending funding and company formation in Brazil
YearFunding (USD)FoundedRaising
2016$7.77M215
2017$100M236
2018$86.06M2211
2019$580.36M2713
2020$350.31M2812
2021$443.63M2620
2022$690.57M1422
2023$134.89M1513
2024$314.14M726
2025$375.54M212
WHERE CAPITAL SITS

Funding concentration

Share of all disclosed company funding.

  • Creditas32.0%
  • Solfácil11.0%
  • Agrolend3.0%
  • Other companies54.0%

Funding by stage

183 recorded rounds since 2016

NUMBER OF ROUNDS
Seed & Angel75 41.0%
Series A–B70 38.3%
Series C+ / PE16 8.7%
Grants, debt & other22 12.0%

Recent recorded rounds

Latest recorded rounds · USD
2 rounds

Swipe or scroll horizontally to browse.

Seed03/2026
Core AI $4.5M

Backed by 14B and Big Bets and others.

Series B03/2026
A55 —

Backed by Pagsmile.

Largest and notable recorded rounds

Each card is one recorded round
10 cards

Swipe or scroll horizontally to browse.

THE BUSINESS BEHIND THE ACTIVITY

Revenue, profitability & financial strength

Expand panel +

Annual accounts availability

No reviewed exact national-ID connector has yet been qualified for Brazil; this is a checked implementation boundary, not evidence that filings are absent.; No reviewed exact national-ID connector has yet been qualified for Brazil; this is a checked implementation boundary, not evidence that filings are absent.

DIGITAL FOOTPRINT

Web traffic, app reach and release cadence

How the Brazil companies on this page show up online: the sites people visit, the apps they install, and how often those apps ship.

Busiest websites

8 of the 262 companies on this page carry a measured traffic record (3.1%); these are the largest of those, by monthly visits. The median among them is 477,158 visits.

CompanyMonthly visitsAuthorityMobile
Supersimsupersim.com.br2,740,7325192.5%
Creditascreditas.com1,123,5115180.7%
Crefisacrefisa.com.br987,8374793.3%
Juvo Creditojuvocredito.com.br524,7653693.9%
Bom Pra Creditobompracredito.com.br429,5513990.7%
Gooroo Crditogooroocredito.com.br209,3722791.9%
PRAVALERpravaler.com.br192,8664655.8%
Umeume.com.br29,3742970%

Visits and authority are third-party web estimates, not company-reported figures.

Most-installed apps

45 of these companies (17.2%) publish at least one Android app — 60 apps in all, carrying 99.1M installs between them.

AppInstallsRatingStore category
Gringo: Licenciamento, IPVA +Gringo22.8M4.9Auto & Vehicles
meutudo. Empréstimo CLT e INSSmeutudo22.1M4.2Finance
Trigg: Cartão de créditoTrigg11M4.3Finance
Zapay: Pagar IPVA 2026, multasZapay9.6M4.8Auto & Vehicles
FacioFacio5.9M4.9Finance
Koin: Crédito e Pix parceladoKoin4.6M—Finance
Zippi Crédito do autônomoZippi3.7M—Finance
Cartão de Crédito: novücardAlt.bank3.1M—Finance
Studio Z Calçados e AcessóriosCALCARD2.6M4.3Shopping
Kab Digital: Empréstimo OnlineKredilig2.3M—Finance

Installs are lifetime totals to date at the June 2026 store reading — a measure of reach, not of people using an app today.

App reach by segment

The busiest app inside each of this page’s own segments, with the quarterly release trend behind it (2023Q4–2024Q4).

SegmentAppsInstallsLeading appRelease trend
Alternative Lending6099.1MGringo: Licenciamento, IPVA + 22.8M
Payments819.6MTrigg: Cartão de crédito 11M
Service Providers To Banks2739.1KJuvo Crédito 594.4K
Banking Tech25KCont@Use 5K

A company can carry several segment tags, so these rows overlap and should not be added together. Trend lines are zero-based and share one quarter grid, so a flat line is a quiet segment, not a missing one.

INSIDE THE INDUSTRY

The Brazil digital lending market map

Explore the segments behind the headline numbers.

Expand panel +

Where companies are building

Rank segments by scale, hiring or disclosed funding.

Fintech260
Nbfc lenders229
Consumer digital164
Enterprise tech154
Marketplaces90
Enterprise software31
Embedded finance25
Justice tech23
Saas17
Sharing economy17
Real estate financing tech17
Fintech saas11

Companies can sit in several segments. Counts and funding overlap.

SEGMENT TO EXPLORE

Fintech

The largest measured segment in this report snapshot.

260companies
7.3%have hiring activity

19 companies hiring · $2.59B disclosed funding

Explore in Radar

How companies make money

Common revenue models; a company can use more than one.

Commission on transaction222
Lending118
Subscription95
Fee-for-service50
E-commerce - service18
Interest6
E-commerce - product3
Advertising3
THE COMPANIES IN MOTION

Who is listing, hiring leaders, launching and winning work

Recorded corporate activity linked to companies in this landscape.

Expand panel +
Recent corporate headlines 10 dated reports
Mergers & acquisitionsmeutudo.com.br ↗

BTG Pactual acquired up to a 48% stake in Brazilian digital credit platform meutudo, currently valued at around $200M.

Funding roundsnagro.com.br ↗

The Brazilian startup raised a $9.5 million Series B round led by Rabo Partnerships, with participation from Itaú Ventures.

Funding roundsicred.digital ↗

Brazil’s iCred led the week, securing $208 million through share issuances across two Credit Rights Investment Funds (FIDCs). Coordinated by Itaú BBA and XP Inc., the financing will support R$1 billion in new credit for INSS beneficiaries and an additional R$150 million for FGTS-backed loans through 2026.

Funding roundsume.com.br ↗

The funding, which saw participation from existing investors such as PayPal Ventures, NFX, Globo Ventures, Canary and Big Bets, will allow Ume to strengthen its technology, AI infrastructure, and commercial capabilities across Brazil.

Funding roundskapitale.com.br ↗

Kapitale, a rapidly growing Miami-based direct funder serving small businesses across the United States, has closed a $25 million credit facility with a fund managed by Pier Asset Management, a private credit investment firm focused on specialty finance.

Funding roundszippi.com.br ↗

Close behind, Brazilian fintech Zippi raised a $15.9 million Credit Rights Investment Fund (FIDC) led by Itaú and Verde Asset to expand its lending capacity.

Funding roundspravaler.com.br ↗

The student credit manager Pravaler , which has among its shareholders Itaú, raised R$ 580 million in Credit Rights Investment Funds (FDICs).

Funding roundsfinanzero.com.br ↗

FinanZero, also based in Brazil, secured $7 million in a round involving existing shareholders.

Funding roundsdivibank.co ↗

Fintech, which was born in 2020 as a digital marketing campaign funder, has just raised $8.2 million (about 47 million in real terms) in a new round led by Better Tomorrow Ventures.

Mergers & acquisitionsgringo.com.vc ↗

The Administrative Council for Economic Defence (Cade) has approved the acquisition of Gringo by Unstoppable.

Full recorded event mix

Top 10 categories among 55 recorded events in the 24-month window.

Funding rounds
26
Mergers & acquisitions
9
Earnings
5
Leadership moves
3
Fundraising
3
Capital infusions
3
Regulatory
3
Lawsuit
1
Company announcements
1
Contracts
1
3 activity cards

Swipe or scroll horizontally to browse.

Leadership moves

1 tracked people moves

Divibank ↗
Mariana Vicente Barbieri

Appointment Head of Partnerships

Regulatory events

3 recorded events

CreditCorp ↗

approved directory for the creation of an Innovation Management

Gringo ↗

pending approval

Tino ↗

authorization to operate as a Direct Credit CompanyCentral Bank (BC)

Litigation

1 tracked suits

Company
creditcorp v sunat

changes in the rules of the gameRegulatory ·

Mergers and acquisitions

Company-linked deal reports; status is preserved as recorded.

Acquirer → targetStatusDateValue / context
btg pactual→meutudo ↗Announced2026-02-13$200.0M
corpay→Gringo ↗Announced2025-07-23Not stated in snapshot
ame digital→Nexoos ↗Completed2025-04-16Not stated in snapshot
fiserv→Money Money Invest ↗Announced2025-04-09Not stated in snapshot
unstoppable→Gringo ↗Completed2025-03-11Not stated in snapshot
CreditCorp→banmédicaAnnounced2025-03-10Not stated in snapshot

A discussion or rumour is not a completed transaction. An unstated value is not zero.

PEOPLE & OPPORTUNITY

The talent market

Recorded hiring and workforce signals from the available source snapshot.

Expand panel +

Most advertised job titles

No repeated job title is supported by this snapshot.

0 internship postings

0 tracked postings mention remote work.

THE PEOPLE BUILDING THE FIELD

Founders and leaders

208 founders and chief executives across 142 companies.

Expand panel +
12 profiles

Swipe or scroll horizontally to browse.

Education networks

20 profiles with education records.

Pontifical Catholic University of Rio de Janeiro
4
Stanford University
3
Universidade Federal do Rio de Janeiro
3
University of Chicago
2
Harvard Business School
2
INSEAD
2
Stanford Business School
1
Columbia Business School
1

Prior employers

2 profiles with prior-work records.

Profiles cover recorded founders and leaders; contact details remain in Radar.

NEWS INTELLIGENCE

How this industry appears in the news

480,395 articles in the measured 12-month window.

Expand panel +
480,395articles in the measured year
50,788articles in 2026Q1
26.7%positive tone in the latest complete year

News volume trends

Digital Lending coverage across Brazil · articles per complete quarter

088,944177,888266,832355,7762021Q2: 46,5162021Q22021Q3: 51,2732021Q4: 39,5092022Q1: 41,6922022Q2: 42,2592022Q22022Q3: 45,0262022Q4: 71,3332023Q1: 62,7542023Q2: 94,9852023Q22023Q3: 73,5012023Q4: 53,1952024Q1: 61,0112024Q2: 72,2532024Q22024Q3: 79,9842024Q4: 83,8062025Q1: 105,2172025Q2: 78,9002025Q22025Q3: 309,3702025Q4: 48,4962026Q1: 50,7882026Q1
View quarterly article counts
QuarterArticles
2021Q246,516
2021Q351,273
2021Q439,509
2022Q141,692
2022Q242,259
2022Q345,026
2022Q471,333
2023Q162,754
2023Q294,985
2023Q373,501
2023Q453,195
2024Q161,011
2024Q272,253
2024Q379,984
2024Q483,806
2025Q1105,217
2025Q278,900
2025Q3309,370
2025Q448,496
2026Q150,788

Article volume measures coverage, not market sales.

Tone of coverage over time

2021
65,894 positive · 33,695 neutral · 46,447 negative
2022
97,142 positive · 52,669 neutral · 50,204 negative
2023
145,479 positive · 70,796 neutral · 67,688 negative
2024
130,557 positive · 102,086 neutral · 63,925 negative
2025
144,659 positive · 157,722 neutral · 238,889 negative

Leading coverage topics

Digital Lending coverage across Brazil · ranked by full-period article count.

International And Transnational Geographic Entities300,921 articles in the full recorded period
108,081 recent · 81,381 prior
Geopolitical Disputes And Contested Areas300,918 articles in the full recorded period
108,080 recent · 81,378 prior
Administrative And Political Subdivisions300,883 articles in the full recorded period
108,066 recent · 81,368 prior
International Sports Competitions27,169 articles in the full recorded period
4,283 recent · 6,534 prior
Professional League Updates14,429 articles in the full recorded period
3,297 recent · 2,983 prior
Cryptocurrency Impact On Forex Markets14,059 articles in the full recorded period
3,828 recent · 3,355 prior
International Political Relations13,156 articles in the full recorded period
2,861 recent · 3,529 prior
Trade Policies And Agreements11,640 articles in the full recorded period
5,525 recent · 3,545 prior
Olympic Games Coverage10,855 articles in the full recorded period
1,256 recent · 3,666 prior
Athlete Transfer Rumors10,529 articles in the full recorded period
2,529 recent · 2,216 prior

Recent and prior counts use the source comparison windows.

Topics gaining and losing attention

Digital Lending coverage across Brazil

KeywordRecentPriorChange
countries4,1911,860125%
tariff negotiations3,2402,04858%
trade dispute mechanisms1,37576779%
free trade deals1,34491148%
climate mobilization1,07875842%
angel investors1,057327223%
bilateral trade1,05263865%
preferential tariff1,00954685%
tariff rate quota849416104%
mfn tariff66836185%
olympic team selections2131,320-84%
geopolitical alliances7181,087-34%
ronaldo544975-44%
olympic trials175900-81%
copa libertadores154853-82%

Event and signal lenses

Digital Lending coverage across Brazil

All complete annual cohorts shown
Rising

Regulatory Risk

618,252 classified articles

territories, disputed islands, countries

15.8% critical · 11.5% positive
Rising

Funding Momentum

43,329 classified articles

angel investors, early-stage investment, asset acquisition

33.2% critical · 41.5% positive
Rising

Growth

124,055 classified articles

gdp growth rate, economic growth statistics, economic output growth

26.7% critical · 45.1% positive

Digital Lending coverage across Brazil. Topic labels describe recorded classifications and can include broad context.

RESEARCH SIGNALS

What Digital Lending research is working on

13,825 papers in the recorded worldwide scope.

Expand panel +
13,825papers
13,825worldwide comparison pool
—India-affiliated papers

Research orientation

Promising
4,450
Descriptive
3,501
Problem-identifying
3,141
Cautionary
1,411
Breakthrough
754
Comparative
414
Critical
154

Contribution mix

Empirical
8,354
Reviews
2,307
Position pieces
1,635
Methods-led
1,361
Theoretical
168

Tone counts: 12,714 positive · 252 neutral · 859 negative.

Common problems researchers identify
3,295 papers · 23.8% of this field
  • Financial services1,723 papers
  • FinTech1,301 papers
  • Financial inclusion570 papers
  • Payment489 papers
  • Government245 papers
  • Financial literacy205 papers
  • Cryptocurrency201 papers
  • Investment172 papers

Landmark: The digital revolution in financial inclusion: international development in the fintech era

Cautions
1,411 papers · 10.2% of this field
  • Financial services670 papers
  • FinTech538 papers
  • Financial inclusion348 papers
  • Payment283 papers
  • Financial literacy129 papers
  • Mobile payment102 papers
  • Digital currency95 papers
  • Investment91 papers

Landmark: Blockchain Technology in Finance

Opportunities
5,204 papers · 37.6% of this field
  • Financial services2,148 papers
  • FinTech1,839 papers
  • Financial inclusion1,123 papers
  • Financial literacy786 papers
  • Payment749 papers
  • Database transaction382 papers
  • Investment314 papers
  • Mobile payment301 papers

Landmark: On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services

Leading institutions

UNSW Sydney
743
University of Manchester
727
University of York
716
University of the West of England
716
Universidad de Zaragoza
685
Columbia University
667

Leading researchers

Robert J. Kauffman
1,822
Peter Gomber
1,821
Chris Parker
1,821
Bruce W. Weber
1,821
Daniela Gabor
716
Sally Brooks
716
Itay Goldstein
621
Wei Jiang
621

Highly cited breakthrough-labelled papers

  • On the Fintech Revolution: Interpreting the Forces of Innovation, Disruption, and Transformation in Financial Services1,820 citations
  • Intention to use analytical artificial intelligence (AI) in services – the effect of technology readiness and awareness370 citations
  • The FinTech phenomenon: antecedents of financial innovation perceived by the popular press240 citations
  • FinTech ecosystem practices shaping financial inclusion: the case of mobile money in Ghana116 citations
  • CBDC, Fintech and cryptocurrency for financial inclusion and financial stability100 citations

Common problems researchers identify

2,820 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

FinTech reshaping financial servicesCommon problems researchers identify · 01

FinTech reshaping financial services

813 papers

28.8% of this theme group

Researchers discuss how emerging technologies challenge traditional banking and regulatory frameworks.

FinTech (653) · Financial services (545) · Financial innovation (112) · Financial regulation (65)

THE DEVELOPMENT OF THE FINTECH INDUSTRY AND ITS INFLUENCE ON THE FINANCIAL SECTOR

Changes and Challenges of Financial Technology (FinTech) for the Banking Industry

View research history
YearShare index
202220.7
202323.8
202420.8
202535.1
Loan market and systemic riskCommon problems researchers identify · 02

Loan market and systemic risk

556 papers

19.7% of this theme group

Papers examine pressures on loan provision, market stability, and regulatory responses.

Financial services (257) · Loan (39) · Financial market (45) · Order (37)

Innovazione finanziaria e rafforzamento del mercato unico per servizi finanziari retail: sfide, rischi, risposte della regolazione.

Financial System in New Economic Scenario: Challenges and Opportunities

View research history
YearShare index
202296.5
2023102.4
2024235.2
2025123.5
Financial inclusion barriersCommon problems researchers identify · 03

Financial inclusion barriers

396 papers

14.0% of this theme group

Studies focus on gaps in access, literacy, and the role of digital services.

Financial inclusion (358) · Inclusion (79) · Financial services (285) · Financial literacy (89)

Financial Inclusion: The Role of Fintech and Digital Financial Services in India

Digital Financial Inclusion Through FinTech

View research history
YearShare index
202276.6
2023104.9
2024100.3
2025222.6
Mobile payments and banking transformationCommon problems researchers identify · 04

Mobile payments and banking transformation

316 papers

11.2% of this theme group

Research highlights challenges of adopting mobile payment and banking solutions.

Payment (147) · Mobile payment (72) · Mobile banking (51) · Retail banking (46)

Digital Transformation in Banking: Opportunities and Challenges

Digital Transformation in India’s Financial Sector: Progress, Challenges and Policy Implications

View research history
YearShare index
2022861.8
2023830.3
2024932.2
2025990.3
Blockchain and digital currency concernsCommon problems researchers identify · 05

Blockchain and digital currency concerns

312 papers

11.1% of this theme group

Works explore technical and regulatory issues surrounding distributed ledger applications.

Cryptocurrency (144) · Blockchain (110) · Digital currency (105) · Currency (61)

Applications of Blockchain Technology in the Finance and Banking Industry Beyond Digital Currencies

The impact of blockchain and distributed ledger technology on financial services

View research history
YearShare index
2022905.6
2023967.4
2024915.8
20251033.4
Islamic finance technology integrationCommon problems researchers identify · 06

Islamic finance technology integration

234 papers

8.3% of this theme group

Analyses address how fintech intersects with Sharia‑compliant financial products.

Islam (125) · Sharia (77) · Islamic finance (39) · FinTech (132)

DEVELOPING ISLAMIC FINANCIAL TECHNOLOGY IN INDONESIA

Sharia Fintech: Opportunities and Challenges in Indonesia

View research history
YearShare index
20222483.4
20232547.6
20242160.1
20252372.7
AI and big data in financial servicesCommon problems researchers identify · 07

AI and big data in financial services

193 papers

6.8% of this theme group

Papers discuss opportunities and obstacles of applying AI and large datasets to finance.

Financial services (123) · Applications of artificial intelligence (17) · Big data (25) · FinTech (67)

POTENTIALS AND CHALLENGES OF ARTIFICIAL INTELLIGENCE IN FINANCIAL TECHNOLOGIES

ARTIFICIAL INTELLIGENCE IN FINANCE AND FINTECH

View research history
YearShare index
2022128.4
2023113.6
202472.3
2025120.3

Cautions

1,129 papers · 7 recurring themes
7 cards

Swipe or scroll horizontally to browse.

FinTech impact on banking stabilityCautions · 01

FinTech impact on banking stability

290 papers

25.7% of this theme group

Authors urge careful assessment of digital innovation’s effects on traditional banks.

FinTech (228) · Financial services (190) · Financial innovation (53) · Financial system (24)

Financial Innovation and Digital Technology in the Banking System: An Institutional Perspective

FINTECH AND ITS IMPACT ON TRADITIONAL BANKS

View research history
YearShare index
2022193.8
2023195.3
2024184.3
2025121.5
Governance and technology risksCautions · 02

Governance and technology risks

213 papers

18.9% of this theme group

Research warns of governance challenges when integrating advanced IT into finance.

Investment (27) · Financial services (65) · Information technology (12) · Corporate governance (21)

Does financial technology matter? Evidence from an alternative banking system

Digital Financial Risk Control: Challenges and Innovation In The Modern Financial System

View research history
YearShare index
2022478.5
2023500.4
2024387.7
2025550.6
Inclusion versus digital divideCautions · 03

Inclusion versus digital divide

210 papers

18.6% of this theme group

Studies caution that fintech may not automatically close access gaps without literacy support.

Financial inclusion (162) · Financial services (136) · FinTech (115) · Financial literacy (56)

Fintech and financial inclusion: Transforming underserved access to financial services

The Role of Fintech in Financial Inclusion: Analyzing 21st-Century Strategies, Innovations, and Challenges

View research history
YearShare index
202272.4
2023101.2
202497.3
2025217.2
Mobile payment adoption limitsCautions · 04

Mobile payment adoption limits

138 papers

12.2% of this theme group

Works highlight consumer behavior and infrastructure constraints affecting digital payments.

Mobile payment (61) · Payment (92) · Mobile banking (29) · Financial inclusion (44)

IMPACT OF DIGITAL PAYMENT SYSTEMS ON THE FINANCIAL INCLUSION OF NIGERIAN CITIZENS

“ <b>"Impact of Digital Payment Systems on Consumer Spending Behaviour"</b>

View research history
YearShare index
2022861.8
2023830.3
2024932.2
2025990.3
AI governance in financeCautions · 05

AI governance in finance

115 papers

10.2% of this theme group

Papers stress the need for oversight and ethical frameworks for AI‑driven services.

Financial services (81) · Financial market (25) · Applications of artificial intelligence (10) · Corporate governance (19)

Unleashing the Power of AI in Financial Services: Opportunities, Challenges, and Implications

The Role of Artificial Intelligence in Enhancing Financial Services: Opportunities and Challenges

View research history
YearShare index
2022193.1
2023221.0
2024338.4
2025363.4
Blockchain transparency challengesCautions · 06

Blockchain transparency challenges

88 papers

7.8% of this theme group

Research points to regulatory uncertainty and data privacy issues in ledger adoption.

Blockchain (60) · Distributed ledger (15) · Cryptocurrency (24) · Transparency (21)

Financial application scenarios and regulatory challenges of blockchain technology

Understanding the Adoption of Blockchain Technology in Financial Information Systems

View research history
YearShare index
2022877.6
2023932.2
2024882.0
2025991.9
Digital currency stability risksCautions · 07

Digital currency stability risks

75 papers

6.6% of this theme group

Authors discuss potential macro‑economic impacts of central bank digital currencies.

Digital currency (58) · Currency (34) · Monetary policy (13) · Central bank (11)

Digital currencies and their potential impacts on financial stability

CENTRAL BANK DIGITAL CURRENCIES AND FINANCIAL INCLUSION IN DEVELOPING ECONOMIES: OPPORTUNITIES, CHALLENGES, AND LESSONS FROM EARLY ADOPTERS

View research history
YearShare index
2022132.3
2023129.1
202490.3
2025114.7

Opportunities

4,314 papers · 7 recurring themes
7 cards

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FinTech driving financial innovationOpportunities · 01

FinTech driving financial innovation

942 papers

21.8% of this theme group

Studies highlight how technology enhances intermediation, efficiency, and market structure.

FinTech (700) · Financial services (446) · Financial innovation (70) · Payment (146)

Impact of Financial Technology (FinTech) on Sustainable Growth: Key Factors, Practical Cases and Empirical Review

"FINTECH ADOPTION IN BANKING : IMPACTS ON FINANCIAL INTERMEDIATION AND MARKET STRUCTURE"

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YearShare index
2022848.7
2023819.6
2024924.3
2025976.3
Digital transformation of paymentsOpportunities · 02

Digital transformation of payments

927 papers

21.5% of this theme group

Research shows benefits of mobile and digital payment systems for service delivery.

Payment (184) · Financial services (301) · Digital transformation (86) · Mobile payment (83)

Socio-Economic Challenges of Digital Banking Adoption: The Impact of Perceived Usefulness, Ease of Use, and Self-Efficacy

DIGITAL FINANCIAL SERVICES AND BANKING EFFICIENCY: AN EMPIRICAL APPROACH

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YearShare index
2022929.6
2023912.7
20241016.6
20251169.0
AI for credit risk and fraudOpportunities · 03

AI for credit risk and fraud

706 papers

16.4% of this theme group

Papers explore machine‑learning models improving risk assessment and fraud detection.

Interpretability (65) · Credit card fraud (43) · Credit risk (74) · Big data (90)

Leveraging artificial intelligence and machine learning for next-generation credit risk assessment models

Financial AI: Harnessing Machine Learning for Algorithmic Trading, Risk Assessment, and Fraud Detection

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YearShare index
202235.2
202337.0
202430.9
202539.9
FinTech expanding financial inclusionOpportunities · 04

FinTech expanding financial inclusion

608 papers

14.1% of this theme group

Works demonstrate how digital tools broaden access to banking and credit.

Financial inclusion (592) · Financial services (441) · Inclusion (112) · FinTech (298)

The Role Of Fintech In Enhancing Financial Inclusion

The Role of Digital Banking and Fintech in Advancing Financial Inclusion

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YearShare index
202237.8
202346.8
202449.0
2025108.5
Financial literacy through technologyOpportunities · 05

Financial literacy through technology

576 papers

13.4% of this theme group

Research links digital literacy initiatives to better financial behaviors.

Financial literacy (530) · Digital literacy (54) · FinTech (244) · Literacy (41)

Effect of Financial Literacy and Use of Financial Technology (FinTech) on Financial Behavior

Financial Behavior, Inclusion, and Technology in MSMEs: The Mediating Impact of Financial Literacy on Performance

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YearShare index
202295.1
2023120.1
2024103.5
2025251.6
Blockchain applications in marketsOpportunities · 06

Blockchain applications in markets

279 papers

6.5% of this theme group

Studies identify novel uses of distributed ledgers for transaction efficiency.

Blockchain (197) · Cryptocurrency (59) · Distributed ledger (32) · Database transaction (78)

The Application of Blockchain Technology in Financial markets

Blockchain in banking and financial services

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YearShare index
2022877.6
2023932.2
2024882.0
2025991.9
Islamic fintech for social inclusionOpportunities · 07

Islamic fintech for social inclusion

276 papers

6.4% of this theme group

Papers discuss Sharia‑compliant tech solutions fostering economic empowerment.

Islam (150) · Sharia (73) · Islamic banking (25) · FinTech (146)

Islamic Fintech and Financial Inclusion: Innovations for Sustainable Economic Empowerment

POTENTIAL OF ISLAMIC FINTECH AS AN INNOVATIVE SOLUTION TO SOCIAL INCLUSION

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YearShare index
20222484.8
20232549.9
20242161.3
20252373.9

How this field compares with the research baseline

Orientation shares compared with 25,000 papers in the reference sample.

Research orientationThis fieldReference sample
Promising32.2%37.3%
Descriptive25.3%17.4%
Problem-identifying22.7%9.8%
Cautionary10.2%4.5%
Breakthrough5.5%26.0%
Comparative3.0%3.9%
Critical1.1%1.0%

Concerns receiving less research attention

Counts and shares refer to the stated research pool. A low count describes how much of that research is recorded here, not the absence of a real-world concern.

Concern / example paperPapersShareRaised as a problemWorldwide share
Privacy & surveillanceMobile payment in Fintech environment: trends, security challenges, and services1040.91%58 (55.8%)0.91%
Concentration of compute powerThe Rising of Fintech - How the Tech Revolution in Financial Services Represents A Paradigm Shift300.26%14 (46.7%)0.26%
Energy & datacenter footprintAn integrated model of financial technology adoption and environmental performance: The role of green innovation260.23%6 (23.1%)0.23%
Bias & fairnessDigital Finance, Financial Inclusion and Gender Equality: Strategies for Economic Empowerment of Women120.1%6 (50.0%)0.1%
Safety & misuseThe Role of Notaries in Preventing the Misuse of Fintech and Crypto Assets for Money Laundering: Risk Analysis and Requi90.08%5 (55.6%)0.08%
Labour & data workFinancial Technology Acceptance in Baby Boomers Generation50.04%3 (60.0%)0.04%
Carbon & emissions of computeRethinking portfolio design with sustainable AI and FinTech: dynamic spillovers in a quantile–frequency framework10.01%0 (0.0%)0.01%
Water use00.0%0 (%)0.0%
Hardware, e-waste & supply chain00.0%0 (%)0.0%

Institution and researcher rankings use citations to their covered work. Research scope: worldwide. This may be broader than the company geography.

GEOGRAPHIC FOOTPRINT

Where companies are based

Company counts, hiring and disclosed funding across the recorded hubs.

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UNDERSTAND THE LANDSCAPE

Digital Lending in Brazil: key questions

Clear definitions for making better comparisons.

What does this landscape measure?

It measures the tracked company ecosystem, recorded funding, hiring and other available evidence. It is not a market-size estimate.

Can segment counts be added together?

No. A company can belong to several segments, so segment counts and funding can overlap.

What does a missing figure mean?

A dash or unavailable panel means the current reviewed source snapshot does not support that figure.

KEEP EXPLORING

Put Brazil in context

All landscapes ↗

Company ecosystem snapshot: 4 September 2026. Funding is recorded in USD; filed accounts retain their stated currency and reporting basis. Each section identifies its own coverage. The news and research behind these sections is explorable in Prism.

Canonical landscape ↗
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