MIAMI, Feb. 6, 2025 -- Lucas Paiva, founder and CEO of Ezpag, is revolutionizing the credit market in the United States with an innovative approach based on artificial intelligence. His company has managed to solve one of the biggest challenges in the industry: granting credit to people without a reliable financial history. The key to this success? Thousands of Ezpag customer data points, which have enabled the creation and refinement of credit profiles in an unprecedented way.
In the beginning, Ezpag faced significant losses by granting credit to a public without a payment history or reliable credit score. However, these initial challenges provided the necessary learning to build a robust analysis model. Using machine learning, Ezpag analyzed behaviors, transactions, and trends, identifying credit profiles with high precision. The result is a system that delivers a reliable and inclusive score in just a few minutes.
Traditional credit analysis methods, based on limited data, have questionable accuracy and often exclude good payers. Ezpag reversed this paradigm, creating a model that is not only more efficient but also accessible to immigrants and individuals outside the conventional financial system.
A Unique Technology
What makes Ezpag's technology even more revolutionary is the fact that no other company has been able to develop a similar system. The market has always avoided granting credit to immigrants with little financial data, and Ezpag was a pioneer in taking this risk and betting on this neglected audience. This pioneering approach secured a unique position in the industry: no other company can achieve the same level of precision because none had the courage and knowledge to create a system based on this specific niche.
Lucas Paiva not only developed an innovative credit model but also ensured that Ezpag remained unrivaled in this market. Since the company had to learn from its own experiences and build an exclusive database, other companies do not have access to the knowledge necessary to replicate this technology. This makes Ezpag an unreachable benchmark, reinforcing its role as the absolute leader in this new era of credit.
Confidence in Times of Uncertainty
With the increase in rumors about deportations, Lucas Paiva remains calm and confident. He believes that these actions are aimed exclusively at individuals involved in criminal activities. "Those who work honestly and follow the rules have nothing to fear," says the CEO.
Ezpag's approval system reflects this same philosophy of responsibility and security. The company's technology conducts rigorous criminal background checks, automatically rejecting anyone with a criminal history, whether in the United States or anywhere else in the world. This ensures that credit is granted only to reliable and committed clients.
For Lucas, it is essential to offer inclusive financial solutions for immigrants seeking a better life while always ensuring that security and reliability criteria are met. That is why Ezpag maintains a non-negotiable commitment to responsibility, both in the approval process and in the delivery of its services.
With losses from default and fraud reduced to just 1%, and a history of learning built on thousands of real data points, Lucas Paiva now wants to license this technology to other companies. "We had to learn from our mistakes to get here. Now, we are ready to change the market, making credit more inclusive and reliable for everyone," says Paiva.
Ezpag is not only proving that technology can solve complex problems but also redefining the future of the financial market, establishing itself as the only company capable of operating successfully in this segment.
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