{"id":639174,"date":"2025-02-27T11:33:10","date_gmt":"2025-02-27T11:33:10","guid":{"rendered":"https:\/\/www.capgemini.com\/br-pt\/?post_type=research-and-insight&#038;p=639174"},"modified":"2025-03-31T18:54:56","modified_gmt":"2025-03-31T18:54:56","slug":"principais-tendencias-de-emprestimos-e-leasing-em-2025","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/principais-tendencias-de-emprestimos-e-leasing-em-2025\/","title":{"rendered":"Principais tend\u00eancias de empr\u00e9stimos e leasing em 2025"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/leasing-Landing-page-banner_2880x1800_03.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:52% 100%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Customer first<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Principais tend\u00eancias de empr\u00e9stimos e leasing em 2025<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/01\/ÎÚÑ»´«Ã½_Top-Trends-2025_Lending-and-Leasing.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Abre em uma nova janela\"><span>Download do e-book de tend\u00eancias<\/span><span class=\"type\">2 MB  pdf<\/span><\/a><\/div><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/ÎÚÑ»´«Ã½_Top-Trends-2025_Infographic_Lending-and-Leasing-2.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Abre em uma nova janela\"><span>Download do infogr\u00e1fico<\/span><span class=\"type\">223 KB  pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=1082239\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Abre em uma nova janela\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=1082239\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Abre em uma nova janela\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h3 class=\"wp-block-heading\" id=\"h-transformar-desafios-da-industria-em-vantagem-competitiva-sustentavel\">Transformar desafios da ind\u00fastria em vantagem competitiva sustent\u00e1vel<\/h3>\n\n\n\n<p>Novas tend\u00eancias de empr\u00e9stimos comerciais est\u00e3o redefinindo o cen\u00e1rio da ind\u00fastria de servi\u00e7os financeiros. A pesquisa mais recente da ÎÚÑ»´«Ã½ identifica tr\u00eas temas centrais em torno dos quais o futuro de empr\u00e9stimos e leasing ir\u00e1 evoluir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cliente em primeiro lugar<\/strong> foca na transforma\u00e7\u00e3o da experi\u00eancia do cliente, sob a perspectiva das intera\u00e7\u00f5es de intera\u00e7\u00f5es omnichannel do cliente e o valor percebido de produtos e servi\u00e7os.<\/li>\n\n\n\n<li><strong>Gest\u00e3o empresarial<\/strong> abrange a evolu\u00e7\u00e3o de processos, equipes, solu\u00e7\u00f5es e opera\u00e7\u00f5es para aumentar a agilidade e efici\u00eancia operacional enquanto otimizam os custos operacionais.<\/li>\n\n\n\n<li><strong>Ind\u00fastria Inteligente<\/strong> detalha as solu\u00e7\u00f5es modernas que as organiza\u00e7\u00f5es est\u00e3o implementando para oferecer experi\u00eancias digitais de ponta a ponta que transformam toda a sua cadeia de valor.<\/li>\n<\/ul>\n\n\n\n<p>Esses temas refletem como as organiza\u00e7\u00f5es de empr\u00e9stimos e leasing est\u00e3o respondendo aos desafios e oportunidades do setor em evolu\u00e7\u00e3o, mantendo-se competitivas com novos modelos de neg\u00f3cios e inova\u00e7\u00f5es viabilizadas pela tecnologia. Nosso e-book de tend\u00eancias oferece uma vis\u00e3o abrangente das principais tend\u00eancias em empr\u00e9stimos e leasing que definir\u00e3o a ind\u00fastria nos pr\u00f3ximos anos, juntamente com insights sobre como as organiza\u00e7\u00f5es podem aproveitar essas tend\u00eancias para crescimento futuro.<\/p>\n\n\n\n<p>Este e-book de tend\u00eancias fornece uma vis\u00e3o abrangente das dez principais tend\u00eancias de empr\u00e9stimos e leasing ao consumidor que impactar\u00e3o as organiza\u00e7\u00f5es em 2025, oferecendo insights sobre como as institui\u00e7\u00f5es financeiras podem melhorar suas opera\u00e7\u00f5es, atender \u00e0s demandas em constante evolu\u00e7\u00e3o dos clientes e impulsionar o crescimento.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/01\/ÎÚÑ»´«Ã½_Top-Trends-2025_Lending-and-Leasing.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Fa\u00e7a o download agora<\/a><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">Lending and leasing trends for 2025<\/h2><\/div><p>Explore the key lending and leasing trends that will influence the financial services industry and establish new benchmarks for efficiency, innovation, and customer value.<\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Customer first<\/h3><\/div><div class=\"expander-content\"><p><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<p><strong>Empresa sem atrito<br><\/strong>\u00c0 medida que a centralidade do cliente se torna mais importante, as empresas de financiamento buscam simplificar as experi\u00eancias digitais e construir a fidelidade \u00e0 marca, tornando-se um ponto de parada para a aquisi\u00e7\u00e3o e financiamento de equipamentos. Em 2025, mais empresas de financiamento buscar\u00e3o integrar solu\u00e7\u00f5es automatizadas de for\u00e7a de trabalho e CRM unificado para oferecer experi\u00eancias de empr\u00e9stimo de autom\u00f3veis e equipamentos sem interrup\u00e7\u00f5es.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Caminhando para Equipamento-como-Servi\u00e7o<\/strong><\/p>\n\n\n\n<p>A ind\u00fastria de financiamento de equipamentos est\u00e1 gradualmente se movendo em dire\u00e7\u00e3o a um modelo de Equipamento-como-Servi\u00e7o (EaaS). No entanto, adotar esse modelo significa desenvolver estruturas abrangentes que apoiem a efici\u00eancia operacional e o valor para o cliente. Tudo isso trar\u00e1 servi\u00e7os de valor agregado e flexibilidade para os clientes.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Finan\u00e7as integradas<\/strong><\/p>\n\n\n\n<p>As finan\u00e7as integradas est\u00e3o transformando o leasing de equipamentos. Permitindo a integra\u00e7\u00e3o perfeita de solu\u00e7\u00f5es de financiamento em processos de leasing de equipamentos, as finan\u00e7as integradas capacitam os credores a fornecer as experi\u00eancias de financiamento flex\u00edveis e sem interrup\u00e7\u00f5es que os clientes desejam. As organiza\u00e7\u00f5es buscar\u00e3o se beneficiar da conveni\u00eancia aprimorada, atrasos reduzidos e convers\u00f5es melhoradas que as finan\u00e7as integradas podem oferecer.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Expandindo canais B2C<\/strong><\/p>\n\n\n\n<p>Avan\u00e7os tecnol\u00f3gicos recentes tornaram a expans\u00e3o B2C mais f\u00e1cil do que nunca para empresas de leasing. Buscando se conectar com uma gama mais ampla de clientes enquanto oferecem experi\u00eancias cont\u00ednuas e convenientes, as organiza\u00e7\u00f5es buscar\u00e3o utilizar plataformas digitais para impulsionar a satisfa\u00e7\u00e3o e o engajamento dos clientes com op\u00e7\u00f5es de leasing personalizadas e planos de pagamento.<\/p>\n\n\n\n<p><\/p>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Enterprise management<\/h3><\/div><div class=\"expander-content\"><p><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<p><strong>Solu\u00e7\u00f5es personalizadas<\/strong><\/p>\n\n\n\n<p>Os financiadores de equipamentos est\u00e3o sendo pressionados a fornecer solu\u00e7\u00f5es de financiamento personalizadas para os clientes. No entanto, solu\u00e7\u00f5es personalizadas geralmente consomem tempo, s\u00e3o caras e dif\u00edceis de escalar. Para superar esses desafios, os financiadores se voltar\u00e3o para solu\u00e7\u00f5es de pacotes e modelos de financiamento de pagamento por uso para promover conveni\u00eancia e acessibilidade para os clientes.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Financiamento de ativos verdes<br><\/strong>Maior consci\u00eancia ambiental e necessidade de sustentabilidade est\u00e3o reformulando o cen\u00e1rio de investimentos. O investimento em ativos verdes, como ve\u00edculos el\u00e9tricos, pain\u00e9is solares, turbinas e\u00f3licas e maquin\u00e1rio com efici\u00eancia energ\u00e9tica, ser\u00e1 um motor fundamental para o crescimento sustent\u00e1vel e inova\u00e7\u00e3o.<span style=\"font-size: 1rem; letter-spacing: 0.4px;\"><\/span><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Navegando pelo cen\u00e1rio regulat\u00f3rio<br><\/strong>Cen\u00e1rios regulat\u00f3rios rigorosos est\u00e3o influenciando os credores a adotar pr\u00e1ticas de empr\u00e9stimo mais sustent\u00e1veis e transparentes. Garantir a conformidade exigir\u00e1 que as institui\u00e7\u00f5es financeiras aumentem seu investimento em ESG, gerenciamento de riscos e prote\u00e7\u00e3o de dados, e priorizem o financiamento de ativos sustent\u00e1veis de baixa emiss\u00e3o.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Intelligent industry<\/h3><\/div><div class=\"expander-content\"><p><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<p><strong>Facilitando a transforma\u00e7\u00e3o digital<\/strong><\/p>\n\n\n\n<p>Dados e IA est\u00e3o no centro de uma transforma\u00e7\u00e3o digital bem-sucedida. O aumento do investimento em ferramentas de gerenciamento de dados e solu\u00e7\u00f5es alimentadas por IA ser\u00e1 um foco \u00e0 medida que os credores buscam aumentar a produtividade, reduzir o processamento manual e permitir uma melhor tomada de decis\u00f5es.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Simplificando e padronizando processos<\/strong><\/p>\n\n\n\n<p>A simplifica\u00e7\u00e3o \u00e9 fundamental para institui\u00e7\u00f5es financeiras que buscam otimizar fluxos de trabalho com tecnologias de IA e ML. Os credores concentrar\u00e3o esfor\u00e7os na padroniza\u00e7\u00e3o de processos em todas as regi\u00f5es e unidades de neg\u00f3cios, com o objetivo de garantir consist\u00eancia, permitir implementa\u00e7\u00f5es escal\u00e1veis de IA e ML e reduzir redund\u00e2ncias.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Equilibrando automa\u00e7\u00e3o com expertise humana<\/strong><\/p>\n\n\n\n<p>Embora seja ineg\u00e1vel que as implementa\u00e7\u00f5es de IA e ML possam gerar um impacto positivo para as empresas, o envolvimento humano direto permanece essencial para decis\u00f5es de alto valor que exigem julgamento, criatividade e adaptabilidade. Portanto, as institui\u00e7\u00f5es financeiras buscar\u00e3o encontrar o equil\u00edbrio certo entre a automa\u00e7\u00e3o de tarefas e a reten\u00e7\u00e3o do envolvimento humano para processos-chave.<\/p>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-conclusao\"><strong>Conclus\u00e3o<\/strong><\/h2>\n\n\n\n<p>Uma mudan\u00e7a nas expectativas dos clientes, capacidade tecnol\u00f3gica e cen\u00e1rio de riscos ter\u00e1 um impacto substancial no setor de empr\u00e9stimos e leasing em 2025 e al\u00e9m.<\/p>\n\n\n\n<p>No centro dessa evolu\u00e7\u00e3o est\u00e1 a inova\u00e7\u00e3o centrada no cliente, onde as empresas de empr\u00e9stimos e leasing reconstruir\u00e3o as experi\u00eancias de clientes e funcion\u00e1rios, e melhorar\u00e3o os servi\u00e7os para atender \u00e0 nova gera\u00e7\u00e3o de clientes.<\/p>\n\n\n\n<p>A efici\u00eancia do processo tamb\u00e9m ser\u00e1 uma grande prioridade nas salas de conselho em 2025, \u00e0 medida que as organiza\u00e7\u00f5es buscam alavancar solu\u00e7\u00f5es tecnol\u00f3gicas modernas para fortalecer a resili\u00eancia operacional e automatizar os procedimentos de conformidade.<\/p>\n\n\n\n<p>Com IA e finan\u00e7as integradas se tornando mais difundidas, as empresas tamb\u00e9m procurar\u00e3o fortalecer sua vantagem competitiva com tomada de decis\u00e3o baseada em dados e ofertas de produtos ESG inovadoras.<\/p>\n\n\n\n<p>Adotar essas tend\u00eancias \u00e9 crucial para definir o futuro dos empr\u00e9stimos e leasing. As organiza\u00e7\u00f5es que priorizam essas tend\u00eancias ir\u00e3o agregar valor aos clientes, desbloquear novas oportunidades e preparar suas organiza\u00e7\u00f5es para o futuro, emergindo como l\u00edderes do setor em 2025.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-transforme-suas-operacoes-com-a-expertise-da-capgemini\"><strong>Transforme suas opera\u00e7\u00f5es com a expertise da ÎÚÑ»´«Ã½<\/strong><\/h2>\n\n\n\n<p>A ÎÚÑ»´«Ã½ \u00e9 um parceiro confi\u00e1vel para empresas de empr\u00e9stimos e leasing que buscam aproveitar tecnologias avan\u00e7adas para permanecerem competitivas no mercado atual em r\u00e1pida evolu\u00e7\u00e3o. Nossa ampla capacidade de IA Generativa para Experi\u00eancia do Cliente, Automa\u00e7\u00e3o Inteligente de Processos, motor de Marketing Conectado e expertise em Transforma\u00e7\u00e3o de Centro de Contato capacitam as organiza\u00e7\u00f5es a inovar a experi\u00eancia do cliente (CX) mais rapidamente, aumentar a efici\u00eancia operacional e melhorar a economia de custos. Por meio de experi\u00eancia e expertise l\u00edderes na transforma\u00e7\u00e3o digital, permitimos que as empresas acessem todo o potencial da IA, garantam conformidade regulat\u00f3ria e impulsionem a efici\u00eancia operacional em todas as fun\u00e7\u00f5es.<\/p>\n\n\n\n<p>Desbloqueie todo o potencial do seu neg\u00f3cio atrav\u00e9s das capacidades de transforma\u00e7\u00e3o digital da ÎÚÑ»´«Ã½. Entre em contato conosco hoje para descobrir como podemos ajud\u00e1-lo a liderar na evolu\u00e7\u00e3o da ind\u00fastria de empr\u00e9stimos e leasing.<\/p>\n\n\n\n<div class=\"wp-block-cg-blocks-autocloud-form undefined autocloudform\"><div class=\"section--autoCloud-form\"><div class=\"wrapperAutoCloudSection\" id=\"linkToForm\"><div class=\"container\"><div class=\"row\"><div class=\"col-md-12 col-lg-6 left-img align-self-center escaper-left\"><\/div><div class=\"  col-md-12\"><div class=\"autoCloudForm\"><h3 class=\"formHelpText\">Entre em contato conosco<\/h3>\t\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t\t<form id=\"mf_form_344241_55992810\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_344241_8430_550948332\" name=\"_mf_344241_8430\" placeholder=\"Nome\" required \/><label for=\"_mf_344241_8430_550948332\" class=\"form-label\">Nome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_344241_7950_2787127622\" name=\"_mf_344241_7950\" placeholder=\"\u00daltimo Nome\" required \/><label for=\"_mf_344241_7950_2787127622\" class=\"form-label\">\u00daltimo Nome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_344241_6828_1921335467\" name=\"_mf_344241_6828\" placeholder=\"E-mail\" required \/><label for=\"_mf_344241_6828_1921335467\" class=\"form-label\">E-mail <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_344241_448_2970453429\" name=\"_mf_344241_448\" placeholder=\"Empresa \/ Organiza\u00e7\u00e3o\" required \/><label for=\"_mf_344241_448_2970453429\" class=\"form-label\">Empresa \/ Organiza\u00e7\u00e3o <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_344241_7028_1175962392\" class=\"floating__label form-country-select-label\" data-content=\"Pa\u00eds\">\n\t\t\t\t<span class=\"floating-label-content\">Pa\u00eds<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n\n\t\t\t\t<select id=\"_mf_344241_7028_1175962392\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_344241_7028\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Pa\u00eds<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afeganist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Alb\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Alemanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguila<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antilhas Holandesas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Ant\u00e1rtida<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Ant\u00edgua e Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Arg\u00e9lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Arm\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Ar\u00e1bia Saudita<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Austr\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaij\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bielorr\u00fassia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bol\u00edvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botsuana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brasil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulg\u00e1ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >But\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >B\u00e9lgica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >B\u00f3snia e Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cabo Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Camar\u00f5es<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Camboja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canad\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Catar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Cazaquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chade<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Chipre<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Col\u00f4mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comores<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Rep\u00fablica Democr\u00e1tica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Coreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Costa do Marfim<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Cro\u00e1cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Dinamarca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egito<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >Emirados \u00c1rabes Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Equador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Eslov\u00e1quia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Eslov\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Espanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Est\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Eti\u00f3pia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Federa\u00e7\u00e3o Russa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Filipinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >Fran\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gab\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Gana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Ge\u00f3rgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >Ge\u00f3rgia do Sul e Ilhas Sandwich do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Granada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Groenl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Gr\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadalupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Guiana Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Guin\u00e9 Equatorial<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guin\u00e9-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >G\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Ilha Bouvet<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Ilha Christmas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Ilha Heard e Ilhas McDonald<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Ilha Norfolk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Ilha de Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Ilhas Aland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Ilhas Cayman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Ilhas Cocos (Keeling)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Ilhas Cook<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Ilhas Falkland (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Ilhas Faroe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Ilhas Marianas do Norte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Ilhas Marshall<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Ilhas Menores Distantes dos Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Ilhas Salom\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Ilhas Turks e Caicos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Ilhas Virgens Brit\u00e2nicas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Ilhas Virgens dos EUA<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indon\u00e9sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraque<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Ir\u00e3, Rep\u00fablica Isl\u00e2mica do<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Isl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >It\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >I\u00e9men<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Jamahiriya \u00c1rabe L\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Jap\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jord\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesoto<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Let\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Lib\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Litu\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxemburgo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >L\u00edbano<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Maced\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madag\u00e1scar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldivas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Mal\u00e1sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Marrocos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Maurit\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Maur\u00edcio<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Mianmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micron\u00e9sia, Estados Federados da<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Mold\u00e1via<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mong\u00f3lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mo\u00e7ambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >M\u00e9xico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >M\u00f4naco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Nam\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicar\u00e1gua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nig\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Noruega<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nova Caled\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nova Zel\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >N\u00edger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Om\u00e3<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panam\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua-Nova Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Paquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Pa\u00edses Baixos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >Polin\u00e9sia Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Pol\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Porto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Quirguist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Qu\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >Reino Unido<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Rep\u00fablica Centro-Africana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Rep\u00fablica Democr\u00e1tica Popular do Laos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Rep\u00fablica Dominicana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Rep\u00fablica Tcheca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Rep\u00fablica \u00c1rabe S\u00edria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reuni\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Rom\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Ruanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Saara Ocidental<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre e Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >Samoa Americana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Santa Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Santa L\u00facia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Santa S\u00e9 (Estado da Cidade do Vaticano)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seicheles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Serra Leoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapura<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Som\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Suazil\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sud\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Su\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Su\u00ed\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard e Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >S\u00e3o Bartolomeu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >S\u00e3o Crist\u00f3v\u00e3o e Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >S\u00e3o Martinho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >S\u00e3o Tom\u00e9 e Pr\u00edncipe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >S\u00e3o Vicente e Granadinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >S\u00e9rvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tail\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajiquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanz\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >Territ\u00f3rio Brit\u00e2nico do Oceano \u00cdndico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Territ\u00f3rio Palestino Ocupado<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Territ\u00f3rios Franceses do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad e Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tun\u00edsia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turcomenist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turquia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ucr\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbequist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Viet Nam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis e Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimb\u00e1bue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Z\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >\u00c1frica do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >\u00c1ustria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >\u00cdndia<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\" role=\"alert\">Pa\u00eds n\u00e3o \u00e9 v\u00e1lido.<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" pattern=\"^[0-9\\-\\+\\s]+$\"  class=\"form-control\" id=\"_mf_344241_4361_3057744626\" name=\"_mf_344241_4361\" oninput=\"validateInput(this)\" maxlength=\"14\" placeholder=\"Telefone para contato\"  \/><label for=\"_mf_344241_4361_3057744626\" class=\"form-label\">Telefone para contato opcional<\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><textarea type=\"text\" class=\"form-control\" id=\"_mf_344241_6784_970897089\" name=\"_mf_344241_6784\" placeholder=\"Sua mensagem\" required><\/textarea><label for=\"_mf_344241_6784_970897089\" class=\"form-label\">Sua mensagem <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<div class=\"form-check checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_344241_781_3230159659\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_344241_781[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_344241_781_3230159659\" class=\"form-check-label\">\n\t\t\t\tConcordo que a ÎÚÑ»´«Ã½ colete e processe meus dados pessoais para permitir que eu receba informa\u00e7\u00f5es sobre os servi\u00e7os da ÎÚÑ»´«Ã½. Para mais informa\u00e7\u00f5es, favor consultar <a href=\"https:\/\/www.capgemini.com\/br-pt\/sobre-nos\/politica-de-privacidade\/\" target=\"_blank\">Nossa Pol\u00edtica de Privacidade<\/a>. &nbsp;\t\t\t<\/label>\n\n\t\t<\/div>\n\t\t<div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div>\t\t\t<div class=\"mf_field mf_field--hidden \">\n\t\t\t\t<label for=\"_mf_344241_1688_4202421345\">Expert title\t\t\t\t\t<\/label>\n\t\t\t\t<input type=\"hidden\" id=\"_mf_344241_1688_4202421345\" class=\"mf_field__input empty\" name=\"_mf_344241_1688\" data-validate=\"text\" data-hidden-field-tag=\"expert_title\" value=\"\"  \/>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mf_field mf_field--hidden \">\n\t\t\t\t<label for=\"_mf_344241_7135_275540699\">Page URL\t\t\t\t\t<\/label>\n\t\t\t\t<input\n\t\t\t\t\ttype=\"hidden\"\n\t\t\t\t\tid=\"_mf_344241_7135_275540699\"\n\t\t\t\t\tclass=\"mf_field__input empty\"\n\t\t\t\t\tname=\"_mf_344241_7135\"\n\t\t\t\t\tdata-validate=\"text\"\n\t\t\t\t\tvalue=\"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/principais-tendencias-de-emprestimos-e-leasing-em-2025\/\"\n\t\t\t\t\t\t\t\t\t\/>\n\t\t\t<\/div>\n\t\t\t\t\t<div class=\"mf_field mf_field--recaptcha\">\n\t\t\t\t<div class=\"g-recaptcha\" data-sitekey=\"6Lc3OpIUAAAAADY4ErEHF0HF6Tr7vuknduDU-fbl\"><\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"mf_field mf_field--submit\" >\n\t\t\t\t<div class=\"slide-button-background button-background\" role=\"button\" tabindex=\"0\"  aria-label=\"submit the form\">\n\t\t\t\t\t<span class=\"slide-text\">Arraste para enviar<\/span>\n\t\t\t\t\t<div class=\"mf_field__input slider-frm-btn\" rel=\"_mf_344241_1145\">\t\t\t\t\t\t\n\t\t\t\t\t\t<i class=\"bi bi-arrow-right arrow-icon\"><\/i>\n\t\t\t\t\t\t<i class=\"bi bi-check2 tick-icon d-none\"><\/i>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Arraste para enviar\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Enviado\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"344241\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"revamp-new-expert-form\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"cc90d502cd\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<input type = \"hidden\" name = \"mf_form_field_validate\" class = \"mf_form_field_validate\" \/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\tObrigado por seu envio. Entraremos em contato com voc\u00ea em breve!<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>Lamentamos, o envio do formul\u00e1rio falhou. Por favor, tente novamente.<\/p>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n\t<section class=\"section section--lifeatcap-learning section--event-slider-careerInvent \">\n\n        <div class=\"container\">\n            <div class='career-invent-header'>\n                \n\t                        <\/div>\n        <\/div>\n\n        <div class=\"slider slider-fader cbfdf16b-0b2c-4f86-8ce4-4083ed43b347\">\n\t\t\t\t\t\t<div class=\"slider-list\">\n\t\t\t\t\t\t\t\t\t<div class=\"slide active \">\n\t\t\t\t\t\t<div class=\"slide-bg-wrapper wp-block-cg-blocks-career-invent wp-block-cg-blocks-career-invent is-style-sapphire1\">\n\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n                  <div class=\"row\">\n\t\t\t\t\t\t  \t\t\t<div class=\"col-md-6 col-sm-12 box-inner \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\" data-maxlength=\"68\" title=\"Principais tend\u00eancias do setor banc\u00e1rio em 2025\">Principais tend\u00eancias do setor banc\u00e1rio em 2025<\/h3>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\" title=\"Explore nossa s\u00e9rie de e-books com as principais tend\u00eancias de 2025 para entender os avan\u00e7os em desenvolvimento no setor banc\u00e1rio\">Explore nossa s\u00e9rie de e-books com as principais tend\u00eancias de 2025 para entender os avan\u00e7os em desenvolvimento no setor banc\u00e1rio<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"brand-logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div> \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t <div class=\"btnDiv\">\t<a class=\"more2\" data-maxlength=\"24\"  aria-label=\"Leia mais sobre Principais tend\u00eancias do setor banc\u00e1rio em 2025\"  title=\"Opens in new window\" tabindex=\"0\" href=\"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/principais-tendencias-do-setor-bancario-em-2025\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"\" >\n\t\t\t\t\t\t\t\t\t\t\t\tLeia mais\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper escaper-right\">\n\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=1200&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=1200&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=600&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=1200&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=400&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=800&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=400&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg?w=800&amp;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\n\n\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"box-img\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Banking_Capcom-Banner_2880x1800px.jpg\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/>\n\n\t\t\t\t\t\t\t\t\t<\/picture>\n\t\t\t\t\t\t\t\t\t\t<!-- <img decoding=\"async\" class=\"box-img\" src=\"\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t           <\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t <div class=\"\"><\/div>\n\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\n\t<\/section>\n\n\t\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-perguntas-frequentes\"><strong>Perguntas frequentes<\/strong><\/h2>\n\n\n\n<p><strong>1. Como as organiza\u00e7\u00f5es de empr\u00e9stimos e leasing podem vencer \u00e0 medida que os clientes mudam para experi\u00eancias digitais?<\/strong><\/p>\n\n\n\n<p>As organiza\u00e7\u00f5es de empr\u00e9stimos e leasing podem aproveitar a migra\u00e7\u00e3o dos clientes para experi\u00eancias digitais passando de abordagens multicanais isoladas para estrat\u00e9gias de intera\u00e7\u00e3o com o cliente omnichannel de ponta a ponta. Essa mudan\u00e7a permite que as organiza\u00e7\u00f5es ofere\u00e7am experi\u00eancias integradas e cont\u00ednuas em v\u00e1rias plataformas, melhorando a conveni\u00eancia e acessibilidade para os clientes. Al\u00e9m disso, oferecer financiamento incorporado dentro da jornada de compra do cliente e aproveitar solu\u00e7\u00f5es para personalizar ofertas pode aumentar a satisfa\u00e7\u00e3o do cliente e a fidelidade \u00e0 marca.<\/p>\n\n\n\n<p><strong>2. Quais medidas as organiza\u00e7\u00f5es de empr\u00e9stimos e leasing podem tomar para acompanhar as mudan\u00e7as regulat\u00f3rias?<\/strong><\/p>\n\n\n\n<p>Para acompanhar as mudan\u00e7as regulat\u00f3rias, as organiza\u00e7\u00f5es de empr\u00e9stimos e leasing podem adotar solu\u00e7\u00f5es RegTech para relat\u00f3rios automatizados e conformidade regulat\u00f3ria proativa. Essas tecnologias permitem que as organiza\u00e7\u00f5es simplifiquem os processos de conformidade, garantindo que atendam \u00e0s regulamenta\u00e7\u00f5es em evolu\u00e7\u00e3o de maneira eficiente e eficaz. Al\u00e9m disso, aumentar o foco no financiamento de ativos sustent\u00e1veis e de baixa emiss\u00e3o pode ajudar as organiza\u00e7\u00f5es a se alinharem com as press\u00f5es regulat\u00f3rias crescentes em torno de pr\u00e1ticas ambientalmente conscientes.<\/p>\n\n\n\n<p><strong>3. Como as organiza\u00e7\u00f5es de empr\u00e9stimos e leasing podem aproveitar solu\u00e7\u00f5es de IA para melhorar a efici\u00eancia e a experi\u00eancia do cliente?<\/strong><\/p>\n\n\n\n<p>As organiza\u00e7\u00f5es de empr\u00e9stimos e leasing podem impulsionar a efici\u00eancia e a experi\u00eancia do cliente implementando solu\u00e7\u00f5es de IA para automatizar tarefas de rotina e aprimorar os processos de tomada de decis\u00e3o. Por exemplo, a IA pode ser usada para an\u00e1lise de dados para desenvolver uma vis\u00e3o completa da pegada financeira do cliente, permitindo oferecer op\u00e7\u00f5es de financiamento personalizadas adaptadas \u00e0s necessidades espec\u00edficas. Al\u00e9m disso, integrar ferramentas baseadas em IA nas opera\u00e7\u00f5es de atendimento ao cliente pode melhorar a capacidade de resposta e a satisfa\u00e7\u00e3o ao fornecer suporte relevante e oportuno, fortalecendo os relacionamentos com os clientes a longo prazo.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-call-to-action undefined call-to-action-block is-style-cg-secondary-3\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper has-description\"><div class=\"text-wrapper has-description\"><h3 class=\"title\" data-maxlength=\"144\">Mantenha-se informado<\/h3><p class=\"description\" data-maxlength=\"210\">Inscreva-se para receber nossas tend\u00eancias de empr\u00e9stimos e leasing<\/p><\/div><div class=\"button-wrapper has-description\"><a class=\"cta-btn action-valid\" data-bs-toggle=\"modal\" data-bs-target=\"#CTA946f3a28_0d19_41ad_a1ac_8b3bfe4e2e73\" data-maxlength=\"24\" tabindex=\"0\" href=\"#\"> Inscreva-se <\/a><\/div><div class=\"modal cta-frontend-modal-wrapper\" id=\"CTA946f3a28_0d19_41ad_a1ac_8b3bfe4e2e73\"><div class=\"modal-dialog modal-lg modal-dialog-centered modal-dialog-scrollable cta-frontend-modal\"><div class=\"modal-content\"><div class=\"modal-header\"><button type=\"button\" class=\"btn-close\" data-bs-dismiss=\"modal\" aria-label=\"close\"> <\/button><\/div><div class=\"modal-body\"><div class=\"logo-wrapper\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/logo.svg\" alt=\"logo\"\/><\/div><h4 class=\"form-title\">Inscreva-se<\/h4>\t\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t\t<form id=\"mf_form_637332_3302410209\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_637087_4156_1393931909\" name=\"_mf_637087_4156\" placeholder=\"Nome\" required \/><label for=\"_mf_637087_4156_1393931909\" class=\"form-label\">Nome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_637087_9383_1330954092\" name=\"_mf_637087_9383\" placeholder=\"Sobrenome\" required \/><label for=\"_mf_637087_9383_1330954092\" class=\"form-label\">Sobrenome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_637087_1330_286907924\" name=\"_mf_637087_1330\" placeholder=\"E-mail\" required \/><label for=\"_mf_637087_1330_286907924\" class=\"form-label\">E-mail <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\">\n\t\t<select tabindex=\"0\" class=\"mac-form-selects form-control empty\"\n\t\t\tid=\"_mf_637332_2184_866952683\"\n\t\t\tname=\"_mf_637332_2184\"\n\t\t\trequired\t\t>\n\t\t\t<option value=\"\">Selecione um valor<\/option>\n\t\t\t\t\t\t\t<option value=\"yes\">Sim<\/option>\n\t\t\t\t\t\t\t<option value=\"no\">N\u00e3o<\/option>\n\t\t\t\t\t<\/select>\n\n\t\t<label for=\"_mf_637332_2184_866952683\" class=\"form-label\">Voc\u00ea consideraria ser entrevistado para uma pesquisa? <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Voc\u00ea consideraria ser entrevistado para uma pesquisa? n\u00e3o \u00e9 v\u00e1lido.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\">\n\t\t<select tabindex=\"0\" class=\"mac-form-selects form-control empty\"\n\t\t\tid=\"_mf_637332_6071_1992566231\"\n\t\t\tname=\"_mf_637332_6071\"\n\t\t\trequired\t\t>\n\t\t\t<option value=\"\">Selecione um valor<\/option>\n\t\t\t\t\t\t\t<option value=\"Assistant\/secretary\">Assistente\/secret\u00e1ria<\/option>\n\t\t\t\t\t\t\t<option value=\"CDO\/CMO\">CDO\/CMO<\/option>\n\t\t\t\t\t\t\t<option value=\"CEO\">CEO<\/option>\n\t\t\t\t\t\t\t<option value=\"CFO\">CFO<\/option>\n\t\t\t\t\t\t\t<option value=\"Chairman\/Board of Directors\">Presidente\/Conselho de Administra\u00e7\u00e3o<\/option>\n\t\t\t\t\t\t\t<option value=\"CIO\/CTO\">CIO\/CTO<\/option>\n\t\t\t\t\t\t\t<option value=\"Consultant\/Senior Consultant\">Consultor\/Consultor S\u00eanior<\/option>\n\t\t\t\t\t\t\t<option value=\"Director\/Principle Consultant\">Diretor\/Consultor Principal<\/option>\n\t\t\t\t\t\t\t<option value=\"EVP\">EVP<\/option>\n\t\t\t\t\t\t\t<option value=\"Manager\">Gerente<\/option>\n\t\t\t\t\t\t\t<option value=\"Operational\">Operacional<\/option>\n\t\t\t\t\t\t\t<option value=\"Other CXO\">Outro CXO<\/option>\n\t\t\t\t\t\t\t<option value=\"Purchaser\">Comprador<\/option>\n\t\t\t\t\t\t\t<option value=\"Senior Manager\/Managing Consultant\">Gerente s\u00eanior\/Consultor administrativo<\/option>\n\t\t\t\t\t\t\t<option value=\"SVP\">SVP<\/option>\n\t\t\t\t\t\t\t<option value=\"Vice President\">Vice Presidente<\/option>\n\t\t\t\t\t<\/select>\n\n\t\t<label for=\"_mf_637332_6071_1992566231\" class=\"form-label\">Cargo <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Cargo n\u00e3o \u00e9 v\u00e1lido.<\/div><\/div>\n\t\t<div class=\"mf_field mf_field--multiselect floating mf-required\"\n\t\t\tdata-validate=\"multiselect\">\n\n\t\t\t<label class=\"floating__label\" for=\"_mf_637332_3034_3675577164\">\n\t\t\t\tInteresse \t\t\t<\/label>\n\n\t\t\t<select multiple=\"true\" id=\"_mf_637332_3034_3675577164\" class=\"mf_field__input js-with-select2 empty\"\n\t\t\t\tname=\"_mf_637332_3034[]\" required>\n\t\t\t\t<option value=\"all\">All<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Aerospace &amp; Defense\">Aeroespacial e Defesa<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Automotive\">Automotivo<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Banking and capital markets\">Mercados banc\u00e1rios e de capitais<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Cloud\">Cloud<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Consumer products\">Produtos de consumo<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Customer Experience\">Experi\u00eancia do cliente<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Cybersecurity\">Cybersecurity<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Data and AI\">Data e IA<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Enterprise Management\">Gerenciamento de empresas<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Energy and utilities\">Energia e servi\u00e7os p\u00fablicos<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Healthcare\">Healthcare<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"High tech\">High tech<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Insurance\">Seguros<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Intelligent industry\">Setor inteligente<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Life Sciences\">Life Sciences<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Manufacturing\">Fabrica\u00e7\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Public sector\">Setor p\u00fablico<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Retail\">Varejo<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Sustainability\">Sustentabilidade<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Telcoms\">Telecomunica\u00e7\u00f5es<\/option>\n\t\t\t\t\t\t\t<\/select>\n\n\t\t\t<div class=\"invalid-feedback-frm\" role=\"alert\">Interesse n\u00e3o \u00e9 v\u00e1lido.<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_637087_875_2495929789\" class=\"floating__label form-country-select-label\" data-content=\"Pa\u00eds\">\n\t\t\t\t<span class=\"floating-label-content\">Pa\u00eds<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n\n\t\t\t\t<select id=\"_mf_637087_875_2495929789\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_637087_875\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Pa\u00eds<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afeganist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Alb\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Alemanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguila<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antilhas Holandesas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Ant\u00e1rtida<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Ant\u00edgua e Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Arg\u00e9lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Arm\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Ar\u00e1bia Saudita<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Austr\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaij\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bielorr\u00fassia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bol\u00edvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botsuana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brasil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulg\u00e1ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >But\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >B\u00e9lgica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >B\u00f3snia e Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cabo Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Camar\u00f5es<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Camboja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canad\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Catar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Cazaquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chade<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Chipre<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Col\u00f4mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comores<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Rep\u00fablica Democr\u00e1tica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Coreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Costa do Marfim<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Cro\u00e1cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Dinamarca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egito<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >Emirados \u00c1rabes Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Equador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Eslov\u00e1quia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Eslov\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Espanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Est\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Eti\u00f3pia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Federa\u00e7\u00e3o Russa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Filipinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >Fran\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gab\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Gana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Ge\u00f3rgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >Ge\u00f3rgia do Sul e Ilhas Sandwich do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Granada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Groenl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Gr\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadalupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Guiana Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Guin\u00e9 Equatorial<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guin\u00e9-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >G\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Ilha Bouvet<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Ilha Christmas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Ilha Heard e Ilhas McDonald<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Ilha Norfolk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Ilha de Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Ilhas Aland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Ilhas Cayman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Ilhas Cocos (Keeling)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Ilhas Cook<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Ilhas Falkland (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Ilhas Faroe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Ilhas Marianas do Norte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Ilhas Marshall<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Ilhas Menores Distantes dos Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Ilhas Salom\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Ilhas Turks e Caicos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Ilhas Virgens Brit\u00e2nicas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Ilhas Virgens dos EUA<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indon\u00e9sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraque<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Ir\u00e3, Rep\u00fablica Isl\u00e2mica do<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Isl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >It\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >I\u00e9men<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Jamahiriya \u00c1rabe L\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Jap\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jord\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesoto<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Let\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Lib\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Litu\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxemburgo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >L\u00edbano<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Maced\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madag\u00e1scar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldivas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Mal\u00e1sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Marrocos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Maurit\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Maur\u00edcio<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Mianmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micron\u00e9sia, Estados Federados da<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Mold\u00e1via<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mong\u00f3lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mo\u00e7ambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >M\u00e9xico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >M\u00f4naco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Nam\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicar\u00e1gua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nig\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Noruega<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nova Caled\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nova Zel\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >N\u00edger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Om\u00e3<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panam\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua-Nova Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Paquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Pa\u00edses Baixos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >Polin\u00e9sia Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Pol\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Porto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Quirguist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Qu\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >Reino Unido<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Rep\u00fablica Centro-Africana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Rep\u00fablica Democr\u00e1tica Popular do Laos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Rep\u00fablica Dominicana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Rep\u00fablica Tcheca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Rep\u00fablica \u00c1rabe S\u00edria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reuni\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Rom\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Ruanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Saara Ocidental<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre e Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >Samoa Americana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Santa Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Santa L\u00facia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Santa S\u00e9 (Estado da Cidade do Vaticano)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seicheles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Serra Leoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapura<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Som\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Suazil\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sud\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Su\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Su\u00ed\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard e Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >S\u00e3o Bartolomeu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >S\u00e3o Crist\u00f3v\u00e3o e Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >S\u00e3o Martinho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >S\u00e3o Tom\u00e9 e Pr\u00edncipe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >S\u00e3o Vicente e Granadinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >S\u00e9rvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tail\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajiquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanz\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >Territ\u00f3rio Brit\u00e2nico do Oceano \u00cdndico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Territ\u00f3rio Palestino Ocupado<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Territ\u00f3rios Franceses do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad e Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tun\u00edsia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turcomenist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turquia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ucr\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbequist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Viet Nam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis e Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimb\u00e1bue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Z\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >\u00c1frica do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >\u00c1ustria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >\u00cdndia<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div class=\"mf-field-wrapper form-floating 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role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div>\t\t\t<div class=\"mf_field mf_field--recaptcha\">\n\t\t\t\t<div class=\"g-recaptcha\" data-sitekey=\"6Lc3OpIUAAAAADY4ErEHF0HF6Tr7vuknduDU-fbl\"><\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"mf_field mf_field--submit\" >\n\t\t\t\t<div class=\"slide-button-background button-background\" role=\"button\" tabindex=\"0\"  aria-label=\"submit the form\">\n\t\t\t\t\t<span class=\"slide-text\">Deslize para enviar<\/span>\n\t\t\t\t\t<div class=\"mf_field__input slider-frm-btn\" rel=\"_mf_637087_9590\">\t\t\t\t\t\t\n\t\t\t\t\t\t<i class=\"bi bi-arrow-right arrow-icon\"><\/i>\n\t\t\t\t\t\t<i class=\"bi bi-check2 tick-icon d-none\"><\/i>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Deslize para enviar\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Enviado\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"637332\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"revamp-dti-report-subscription-new\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"cc90d502cd\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<input type = \"hidden\" name = \"mf_form_field_validate\" class = \"mf_form_field_validate\" \/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\tSeu formul\u00e1rio foi enviado com sucesso. Obrigado por sua inscri\u00e7\u00e3o.<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>Lamentamos, o envio do formul\u00e1rio falhou. Por favor, tente novamente.<\/p>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Descubra as principais tend\u00eancias de empr\u00e9stimos e leasing para 2025 e prepare-se para o futuro financeiro.<\/p>\n","protected":false},"author":440,"featured_media":639175,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"8f4ac715-e22c-4d61-b7e0-bb119daa5391\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":208,"primary_term":"Customer first","featured_focal_points":""},"tags":[283,284],"research-and-insight-type":[73],"theme":[208],"brand":[72],"service":[244],"industry":[242],"partners":[],"content-group":[],"class_list":["post-639174","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","tag-emprestimos","tag-leasing","research-and-insight-type-report","theme-customer-first","brand-capgemini-research-institute","service-financeiro","industry-financial-services"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Principais tend\u00eancias de empr\u00e9stimos e leasing em 2025<\/title>\n<meta name=\"description\" content=\"Descubra as principais tend\u00eancias de empr\u00e9stimos e leasing para 2025 e prepare-se para o futuro financeiro.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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