{"id":26084,"date":"2016-09-20T12:00:58","date_gmt":"2016-09-20T16:00:58","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/pt\/blog\/mpower-featured-paper-federal-reserve-bank-philadelphia-payment-cards-center"},"modified":"2025-12-28T09:10:44","modified_gmt":"2025-12-28T09:10:44","slug":"mpower-featured-paper-federal-reserve-bank-philadelphia-payment-cards-center","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/pt\/blog\/mpower-featured-paper-federal-reserve-bank-philadelphia-payment-cards-center","title":{"rendered":"MPOWER apresentado em artigo do Federal Reserve Bank of Philadelphia Payment Cards Center"},"content":{"rendered":"

20 de setembro de 2016 – Filad\u00e9lfia – <\/strong> Em um artigo de discuss\u00e3o emitido hoje, o Federal Reserve Bank of Philadelphia Payment Cards Center (PCC) destaca a MPOWER Financing e explora a maneira inovadora da empresa de avaliar e gerenciar o risco de cr\u00e9dito. O artigo, Potencial Futuro versus Desempenho Passado: Inova\u00e7\u00e3o da MPOWER Financing na an\u00e1lise de cr\u00e9dito para empr\u00e9stimos estudantis, examina o estado atual dos empr\u00e9stimos estudantis e se concentra em como a MPOWER preenche lacunas no mercado.<\/p>\n

Citando a MPOWER como uma empresa em um “ponto de interse\u00e7\u00e3o” de v\u00e1rias tend\u00eancias educacionais dos EUA, incluindo o crescimento exponencial dos custos de mensalidade e a frequ\u00eancia de estudantes internacionais, Potencial Futuro versus Desempenho Passado observa que \u00e0 medida que o custo da educa\u00e7\u00e3o superior continua a aumentar, tamb\u00e9m aumenta a necessidade de novas fontes de financiamento. O relat\u00f3rio conclui que a MPOWER atende a uma necessidade de empr\u00e9stimo, fornecendo op\u00e7\u00f5es adicionais de empr\u00e9stimo estudantil<\/a> privado, aproveitando uma maneira proativa de avaliar o risco de cr\u00e9dito com base no potencial do estudante.<\/p>\n

O artigo resume um workshop facilitado pela MPOWER no Federal Reserve Bank of
\nFilad\u00e9lfia no in\u00edcio deste ano.<\/p>\n

“H\u00e1 um grande interesse em identificar maneiras de apoiar os objetivos de educa\u00e7\u00e3o superior dos estudantes, ao mesmo tempo em que os ajuda a evitar endividamento al\u00e9m de sua capacidade de pagamento”, disse Susan Herbst-Murphy, especialista em cr\u00e9dito ao consumidor e pagamentos, Federal Reserve Bank of Philadelphia Payments Card Center. “Como o modelo de an\u00e1lise de cr\u00e9dito da MPOWER \u00e9 baseado no potencial futuro do tomador de empr\u00e9stimo versus desempenho passado, ele abre possibilidades para muitos estudantes que podem n\u00e3o se qualificar para outros empr\u00e9stimos federais ou privados.”<\/p>\n

De fato, o relat\u00f3rio aponta que, enquanto os empr\u00e9stimos estudantis federais est\u00e3o dispon\u00edveis para qualquer cidad\u00e3o dos EUA que tenha sido aceito em uma institui\u00e7\u00e3o de ensino superior credenciada, o mercado em evolu\u00e7\u00e3o est\u00e1 exigindo novas op\u00e7\u00f5es \u00e0 medida que a necessidade de empr\u00e9stimos estudantis dispara. De 2004 a 2014, os tomadores de empr\u00e9stimos estudantis cresceram 92% e a d\u00edvida de empr\u00e9stimos nos EUA triplicou, resultando em um empr\u00e9stimo massivo de $ 1,16 trilh\u00e3o. Juntamente com mais de um milh\u00e3o de estudantes estrangeiros matriculados em institui\u00e7\u00f5es dos EUA que n\u00e3o s\u00e3o eleg\u00edveis para empr\u00e9stimos do governo dos EUA, novas fontes de empr\u00e9stimo se tornaram vitais para o futuro educacional de um estudante.<\/p>\n

A abordagem ponderada da MPOWER para empr\u00e9stimos estudantis cria n\u00edveis de d\u00edvida mais sustent\u00e1veis para os estudantes. Com um algoritmo que se concentra em resultados, a MPOWER n\u00e3o apenas atende a estudantes de alto calibre que foram anteriormente exclu\u00eddos nos modelos de risco tradicionais, como tamb\u00e9m oferece empr\u00e9stimos privados mais acess\u00edveis que est\u00e3o alinhados com o potencial de ganho futuro do estudante.<\/p>\n

“A MPOWER preenche uma necessidade n\u00e3o atendida para estudantes internacionais e independentes dos EUA”, disse Mike Davis, CTO e co-fundador da MPOWER. “Ficamos emocionados por ter sido convidados a apresentar ao Federal Reserve e compartilhar insights sobre nossa abordagem de neg\u00f3cios e como apoiamos os estudantes a alcan\u00e7ar seu potencial m\u00e1ximo.”<\/p>\n

Davis foi um dos executivos da MPOWER que facilitou o workshop. Durante o evento, a MPOWER compartilhou mais sobre seus neg\u00f3cios, modelo de an\u00e1lise de cr\u00e9dito e posi\u00e7\u00e3o no espa\u00e7o de empr\u00e9stimos estudantis. Mergulhando na l\u00f3gica por tr\u00e1s da abordagem de empr\u00e9stimo proativa da MPOWER, o relat\u00f3rio resume as principais percep\u00e7\u00f5es do workshop e detalha o papel da MPOWER nos empr\u00e9stimos estudantis.<\/p>\n

Para obter mais informa\u00e7\u00f5es ou para baixar uma c\u00f3pia do artigo, visite o Federal Reserve Bank of Philadelphia Payment Cards Center ou os sites da MPOWER<\/a>.<\/p>\n

Sobre a MPOWER Financing<\/strong><\/p>\n

Como uma Public Benefit Corporation, a MPOWER remove barreiras financeiras para a educa\u00e7\u00e3o superior nos EUA trabalhando com investidores e universidades para emprestar a estudantes de alto potencial que s\u00e3o deixados de fora pelos bancos tradicionais. Al\u00e9m de fornecer aos estudantes acesso aos recursos financeiros necess\u00e1rios para frequentar e concluir a faculdade, a MPOWER constr\u00f3i hist\u00f3ricos de cr\u00e9dito dos estudantes, fornece a eles educa\u00e7\u00e3o financeira pessoal e oferece produtos financeiros de entrada para prepar\u00e1-los para a vida ap\u00f3s a faculdade. Para mais informa\u00e7\u00f5es, visite mpowerfinancing.com<\/a>, ou siga a MPOWER no Twitter<\/a>, Facebook<\/a> e LinkedIn<\/a>.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

20 de setembro de 2016 – Filad\u00e9lfia – Em um artigo de discuss\u00e3o emitido hoje, o Federal Reserve Bank of Philadelphia Payment Cards Center (PCC) destaca a MPOWER Financing e explora a maneira inovadora…<\/p>\n","protected":false},"author":24,"featured_media":5559,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[24],"tags":[37,38],"class_list":["post-26084","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-in-the-news","tag-mpower","tag-news"],"acf":[],"yoast_head":"\nMPOWER destacada pelo Federal Reserve Bank de Filad\u00e9lfia | MPOWER<\/title>\n<meta name=\"description\" content=\"O Federal Reserve Bank destacou a abordagem inovadora da MPOWER Financing para avaliar e gerenciar o risco de cr\u00e9dito do estudante.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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