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From delinquency to performance: the power of intelligent data use in the consortium industry

Strategic data analysis in the consortium industry is a practice that has been playing an increasingly prominent role within consortium administrators. In a market that moves billions of reais every year and handles an enormous volume of data on a daily basis, knowing how to use data intelligently can provide valuable insights that not only […]

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Strategic data analysis in the consortium industry is a practice that has been playing an increasingly prominent role within consortium administrators. In a market that moves billions of reais every year and handles an enormous volume of data on a daily basis, knowing how to use data intelligently can provide valuable insights that not only optimize sales strategies, but also mitigate risks and identify trends and new business opportunities.

In this context, the use of data analysis tools in the consortium industry stands out as an indispensable differentiator for ensuring greater control, predictability, and sustainable growth for companies operating in the sector.

Continue reading to understand the importance of data analysis in the consortium market and the role of technology in enabling its intelligent use within the industry. Check it out!

The importance of data analysis in the consortium industry

In recent years, the consortium market in Brazil has experienced continuous growth and consecutive record-breaking results. In 2024, the sector ended the year with 11.21 million active participants. In 2025, the segment once again reached record levels, achieving 12 million active participants, 5.16 million new memberships, and R$500.27 billion in credit sales, representing a 32.1% increase compared to the volume generated in the previous year.

With millions of active participants and ongoing contracts, this dynamic and competitive environment requires consortium administrators to maintain agile and accurate management. At this point, data analysis in the consortium industry represents a key factor in ensuring efficient, transparent, and more assertive operations.

By analyzing and interpreting data intelligently and strategically, this capability plays a central role by providing consortium administrators with a comprehensive view of participants’ behavior, needs, and preferences. As a result, it enables the delivery of personalized solutions aligned with market realities, ensuring a better customer experience and scalable growth for companies.

McKinsey studies indicate that companies with a data-driven culture can achieve significant performance gains, with EBITDA increases ranging from 15% to 25% over time, along with greater innovation capacity and improved decision-making. These results reinforce the importance of transforming data into actionable insights to drive competitiveness, enhance customer experience, and sustain business growth.

With data analysis in the consortium industry, administrators can cross-reference information from different areas, such as delinquency rates, credit awards, and participant behavior, to assess potential risks and make decisions that minimize negative impacts on the business.

In addition, strategically analyzed data also helps managers gain a deeper understanding of the market and improve their commercial performance through more targeted marketing and sales initiatives deployed across the channels that generate the best results and increase competitiveness.

The role of technology in intelligent data analysis for the consortium industry

With the significant increase in consortium memberships and the growing demand for faster and more accurate responses, relying solely on spreadsheets and traditional reports is no longer enough. High market competitiveness requires greater precision and intelligence in reading and interpreting data, transforming information into tangible results.

In this context, advanced technologies specialized in data analysis for the consortium industry, such as analytics tools, play an important role by processing large volumes of information and extracting accurate, up-to-date strategic insights that support more informed, data-driven decisions.

With interactive dashboards, these technologies also help managers identify behavioral patterns and anticipate emerging market trends, while mitigating risks, reducing operating costs, and improving the participant experience, ultimately driving innovation and competitiveness across the sector.

SQ Analytics: Data intelligence for consortiums

Despite the benefits that data can offer to the consortium industry, building a data-driven management culture is not always easy, whether due to a lack of knowledge, cultural challenges, or the absence of an integrated infrastructure for efficient data analysis.

To support consortium administrators, Evertec offers SQ Analytics, an innovative and disruptive platform that provides a complete and integrated view of data, enabling instant insights that help organizations make accurate decisions, anticipate risk scenarios and future demands, and drive business results and growth.

If you are looking to optimize your management approach by adopting a data-driven model supported by the right tools, talk to our specialists and learn more about our products.

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