{"id":2653,"date":"2025-10-24T14:43:46","date_gmt":"2025-10-24T19:43:46","guid":{"rendered":"https:\/\/shareppyinternacional.com\/?p=2653"},"modified":"2025-10-24T14:43:51","modified_gmt":"2025-10-24T19:43:51","slug":"%f0%9f%9b%a3%ef%b8%8f-the-ideal-path-to-credit-what-we-learned","status":"publish","type":"post","link":"https:\/\/shareppyinternacional.com\/en\/%f0%9f%9b%a3%ef%b8%8f-the-ideal-path-to-credit-what-we-learned\/","title":{"rendered":"\ud83d\udee3\ufe0f The ideal path to credit: what we learned"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;full_width&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221;][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<div class=\"w-full text-token-text-primary\" dir=\"auto\" data-testid=\"conversation-turn-3\" data-scroll-anchor=\"false\">\n<div class=\"py-2 juice:py-[18px] px-3 text-base md:px-4 m-auto md:px-5 lg:px-1 xl:px-5\">\n<div class=\"mx-auto flex flex-1 gap-3 text-base juice:gap-4 juice:md:gap-5 juice:lg:gap-6 md:max-w-3xl lg:max-w-[40rem] xl:max-w-[48rem]\">\n<div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex flex-grow flex-col max-w-full\">\n<div class=\"min-h-[20px] text-message flex flex-col items-start whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 juice:w-full juice:items-end overflow-x-auto gap-2\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"131a39cf-3206-43a5-b754-5ae4bb211c29\">\n<div class=\"flex w-full flex-col gap-1 juice:empty:hidden juice:first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex-1 overflow-hidden\">\n<div class=\"h-full\">\n<div class=\"react-scroll-to-bottom--css-niuhr-79elbk h-full\">\n<div class=\"react-scroll-to-bottom--css-niuhr-1n7m0yu\">\n<div class=\"flex flex-col text-sm md:pb-9\">\n<article class=\"w-full text-token-text-primary focus-visible:outline-2 focus-visible:outline-offset-[-4px]\" dir=\"auto\" data-testid=\"conversation-turn-7\" data-scroll-anchor=\"true\">\n<div class=\"text-base py-[18px] px-3 md:px-4 m-auto w-full md:px-5 lg:px-4 xl:px-5\">\n<div class=\"mx-auto flex flex-1 gap-4 text-base md:gap-5 lg:gap-6 md:max-w-3xl lg:max-w-[40rem] xl:max-w-[48rem]\">\n<div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"flex-col gap-1 md:gap-3\">\n<div class=\"flex max-w-full flex-col flex-grow\">\n<div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"52b47849-3cec-44ab-9f8e-658f942d0d44\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex max-w-full flex-col flex-grow\">\n<div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 whitespace-normal break-words [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"52b47849-3cec-44ab-9f8e-658f942d0d44\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose w-full break-words dark:prose-invert light\">\n<p>At <strong>Shareppy International<\/strong>, we believe that <strong>technology only makes sense when it solves real problems<\/strong>. That&#8217;s why, during the 2025 <strong>Financial Cooperative Convention<\/strong> in Pereira, we set ourselves the task of listening. Not to the figures, but to the people behind them: the advisors, managers, and teams who build the cooperative dream day after day.<\/p>\n<p>We organized an activity called <strong>\u201cThe Wall of Pain\u201d,<\/strong> an open space where participants could write down the main challenges they face in their credit processes. What we discovered was as revealing as it was inspiring.<\/p>\n<h3 data-start=\"1927\" data-end=\"1970\"><strong>What hurts in the credit process<\/strong><\/h3>\n<p>The responses naturally fell into three main stages: <strong>application, approval, and follow-up.<\/strong><\/p>\n<p>\ud83d\udca1 In the <strong>credit application<\/strong>, the challenges revolved around the user experience:<\/p>\n<ul>\n<li>The difficulty of <strong>attracting young people<\/strong> to financial products that are perceived as traditional.<\/li>\n<li>The frustration of advisors and customers with <strong>endless paperwork<\/strong>.<\/li>\n<li><strong>The lack of effective communication<\/strong> between advisor and customer during the application process.<\/li>\n<li><strong>Connectivity issues<\/strong>, especially in rural areas where cooperatives have a strong presence.<\/li>\n<li>And something that concerned us all: <strong>the decline in credit applications<\/strong> due to the complexity of the process.<\/li>\n<\/ul>\n<p>\u2699\ufe0f In the <strong>approval stage<\/strong>, the recurring theme was slowness:<\/p>\n<ul>\n<li><strong>Approval times are too long<\/strong>, affecting members&#8217; perception of agility and trust.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>\ud83d\udcca During the <strong>follow-up<\/strong>, other important challenges emerged:<\/p>\n<ul>\n<li>Information in legal portfolios that is <strong>difficult to trace.<\/strong><\/li>\n<li><strong>Growing delinquent portfolio.<\/strong><\/li>\n<li>Need to <strong>strengthen the recovery process<\/strong> and have more robust monitoring tools.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p data-start=\"3179\" data-end=\"3336\">These \u201cpain points\u201d are not just areas for improvement: they are an X-ray of an industry that needs to evolve toward simpler, more digital, and more human processes.<\/p>\n<h3 data-start=\"3343\" data-end=\"3391\"><strong>From pain points to the ideal credit path<\/strong><\/h3>\n<p>After listening to all the experiences, it was time to propose solutions. And that&#8217;s where <strong>Smart Road<\/strong> took center stage.<\/p>\n<p>Our platform is designed to <strong>accompany cooperatives throughout the credit lifecycle<\/strong>, with tools that integrate technology, mobility, and traceability.<\/p>\n<p>With <strong>Smart Road<\/strong> and its <strong>Digital Credit<\/strong> module, cooperatives can:<br \/>\n\u2705 <strong>Digitize the application process,<\/strong> drastically reducing paperwork.<br \/>\n\u2705 <strong>Offer an intuitive experience<\/strong>, even for young customers or those unfamiliar with technology.<br \/>\n\u2705 <strong>Connect advisors and associates in real time<\/strong>, avoiding loss of information or follow-up.<br \/>\n\u2705 <strong>Speed up approval<\/strong>, thanks to more automated and traceable processes.<br \/>\n\u2705 <strong>Improve portfolio management<\/strong>, with tools that strengthen collection and reduce delinquency.<\/p>\n<p>In short, Smart Road turns complexity into fluidity, delays into efficiency, and obstacles into opportunities.<\/p>\n<h3 data-start=\"4413\" data-end=\"4483\"><strong>A future where technology and cooperativism go hand in hand<\/strong><\/h3>\n<p>The most important lesson we learned from the convention was this:<strong> cooperatives are not afraid of change, they are simply looking for allies to help them make it happen.<\/strong><\/p>\n<p>At Shareppy, we understand that true transformation is not about replacing humans with technology, but about empowering them. We want every advisor to feel supported, every member to have a seamless experience, and every entity to be able to measure its progress in real results: more applications, more approvals, and more trust.<\/p>\n<p>Because at the end of the day, what we do is not just digitizing loans.<br \/>\nWhat we do is <strong>build the ideal credit path<\/strong>: one where innovation meets cooperative purpose.<\/p>\n<p style=\"text-align: center;\"><em>\ud83d\udc9b Sharing happiness also means helping cooperatives grow with technology.<\/em><\/p>\n<h3 data-start=\"5315\" data-end=\"5377\">\n<strong>\ud83d\udce5 Want to see how Smart Road would work in your institution?<\/strong><\/h3>\n<p>Request a personalized demo and we&#8217;ll show you how you can digitize your ENTIRE credit process without losing control or efficiency.<\/p>\n<p><strong>\ud83d\udce9 Contact us and schedule a free demo:<\/strong><\/p>\n<p class=\"\" data-start=\"1093\" data-end=\"1304\">\ud83d\udc49 <a class=\"\" href=\"https:\/\/www.shareppyinternacional.com\" target=\"_new\" rel=\"noopener\" data-start=\"1146\" data-end=\"1216\">www.shareppyinternacional.com<\/a><br data-start=\"1216\" data-end=\"1219\" \/>\ud83d\udcf1 Write to us on WhatsApp: +57 324 296 5208<br data-start=\"1262\" data-end=\"1265\" \/>\ud83d\udce7 <a class=\"cursor-pointer\" rel=\"noopener\" data-start=\"1268\" data-end=\"1302\">comunicaciones@shareppyinternacional.com<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Cooperatives face a challenge: slow processes, paperwork, lengthy approval times, and poor traceability. At Shareppy, we listened to these pain points at the 2025 Financial Cooperative Convention and created real solutions with Smart Road, the platform that is redefining the future of credit.<\/p>\n","protected":false},"author":3,"featured_media":2659,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"wds_primary_category":28,"_joinchat":[],"footnotes":""},"categories":[28],"tags":[],"class_list":["post-2653","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Shareppy Internacional<\/title>\n<meta name=\"description\" content=\"At the 2025 Financial Cooperative Convention, we discovered the main challenges facing credit in cooperatives.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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