{"id":1068,"date":"2023-06-13T16:38:44","date_gmt":"2026-05-11T15:47:04","guid":{"rendered":"https:\/\/younited.com\/partners\/reference\/como-com-base-no-perfil-de-credito-dos-clientes-younited-ajudou-telefonica-a-oferecer-solucao-credito-mais-adaptada-as-necessidades\/"},"modified":"2026-06-02T10:01:35","modified_gmt":"2026-06-02T10:01:35","slug":"como-com-base-no-perfil-de-credito-dos-clientes-younited-ajudou-telefonica-a-oferecer-solucao-credito-mais-adaptada-as-necessidades","status":"publish","type":"reference","link":"https:\/\/younited.com\/partners\/pt\/referencias\/como-com-base-no-perfil-de-credito-dos-clientes-younited-ajudou-telefonica-a-oferecer-solucao-credito-mais-adaptada-as-necessidades\/","title":{"rendered":"Como a Younited ajudou a Telefonica a oferecer uma solu\u00e7\u00e3o de cr\u00e9dito mais adequada \u00e0s suas necessidades"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull wp-pattern wp-pattern-media-text has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-media-text alignwide has-media-on-the-right is-stacked-on-mobile is-vertically-aligned-center\"><div class=\"wp-block-media-text__content\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-06b7c649 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-a0f07363 wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/younited.com\/wp-content\/uploads\/2023\/06\/Movistar-logo-320x154.png\" alt=\"Movistar logo\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Apresenta\u00e7\u00e3o de Movistar<\/h2>\n\n\n\n<p>O Movistar Money foi lan\u00e7ado em 2019 como um servi\u00e7o de empr\u00e9stimo ao consumidor como parte da estrat\u00e9gia de diversifica\u00e7\u00e3o comercial da Telef\u00f3nica de Espa\u00f1a. Actualmente, qualquer pessoa interessada, quer seja ou n\u00e3o cliente da Movistar, pode candidatar-se 100 por cento online e obter um empr\u00e9stimo entre 1.000 e 10.000 euros em menos de 48 horas, com uma taxa de juro personalizada de acordo com o perfil de cr\u00e9dito do cliente.<\/p>\n<\/div>\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"359\" height=\"140\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/telegonica-movistar.webp\" alt=\"Telegonica Movistar\" class=\"wp-image-872 size-media-text-2x\" srcset=\"https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/telegonica-movistar.webp 359w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/telegonica-movistar-287x112.webp 287w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/telegonica-movistar-260x101.webp 260w\" sizes=\"auto, (max-width: 359px) 100vw, 359px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<blockquote class=\"block block-quote align wp-block-yuc-quote\">\n\t<p class=\"block-quote__text\">Gra\u00e7as a um processo 100% digital, os clientes e n\u00e3o clientes da Movistar podem solicitar um empr\u00e9stimo atrav\u00e9s da Younited para financiar, por exemplo, a compra de um carro ou a renova\u00e7\u00e3o de uma casa, e receber uma resposta imediata.<\/p>\n\t<footer class=\"block-quote__author\">\n\t\t\n\t\t<p class=\"block-quote__author-infos\">\n\t\t\t<cite class=\"block-quote__name\">Jose Antonio Urosa<\/cite><span class=\"block-quote__role\">Director Comercial, Telefonica Consumer Finance<\/span>\t\t<\/p>\n\t<\/footer>\n<\/blockquote>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">O desafio<\/h3>\n\n\n\n<p>A Telefonica sentiu que podia maximizar o n\u00edvel de aprova\u00e7\u00e3o da sua base de clientes, que at\u00e9 agora s\u00f3 tinha estado dispon\u00edvel com outro parceiro; queria tamb\u00e9m explorar uma solu\u00e7\u00e3o que a ajudasse a oferecer uma gama mais vasta de cr\u00e9ditos aos seus clientes.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">A solu\u00e7\u00e3o Younited<\/h3>\n\n\n\n<p>A Younited foi capaz de ajudar a Telefonica fornecendo uma liga\u00e7\u00e3o tecnol\u00f3gica em que utilizamos o Open Banking para estudar o perfil de cr\u00e9dito dos seus clientes, permitindo-nos oferecer-lhes uma solu\u00e7\u00e3o de empr\u00e9stimo mais adequada. Conseguimos tamb\u00e9m alargar a oferta de cr\u00e9dito a montantes superiores aos anteriormente oferecidos como parte do seu processo.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button gtag-demo gtag-demo-popup\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/younited.com\/partners\/pt\/pedir-demo-credito\/\">Solicitar uma demonstra\u00e7\u00e3o<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull wp-pattern wp-pattern-values wp-pattern--3-col has-global-padding is-layout-constrained wp-container-core-group-is-layout-a82a1774 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-2cbdae63 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center\">As vantagens para Telefonica<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8a04ae21 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-dark-5-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-4ae4cf0b wp-block-group-is-layout-constrained\" style=\"border-top-left-radius:var(--wp--preset--border-radius--2-xl);border-top-right-radius:var(--wp--preset--border-radius--2-xl);border-bottom-left-radius:var(--wp--preset--border-radius--2-xl);border-bottom-right-radius:var(--wp--preset--border-radius--2-xl);padding-top:var(--wp--preset--spacing--xl);padding-right:var(--wp--preset--spacing--xl);padding-bottom:var(--wp--preset--spacing--xl);padding-left:var(--wp--preset--spacing--xl)\"><div class=\"wp-block-yuc-illustrations-cdn\">\n\t\t\t<img\n\t\t\tclass=\"wp-block-yuc-illustrations-cdn__icon\"\n\t\t\tsrc=\"https:\/\/designassets.younited.com\/img\/illustrations\/hand_easy_fast.svg\"\n\t\t\talt=\"hand_easy_fast\"\n\t\t\twidth=\"80\"\n\t\t\theight=\"80\"\n\t\t\t\t\t\tstyle=\"width:80px;height:80px\"\n\t\t\t\t\t\tloading=\"lazy\"\n\t\t\tdecoding=\"async\"\n\t\t\/>\n\t<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-ded23ff6 wp-block-group-is-layout-constrained\">\n<p>Melhore a sua oferta de cr\u00e9dito com uma solu\u00e7\u00e3o baseada no Open Banking<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-dark-5-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-4ae4cf0b wp-block-group-is-layout-constrained\" style=\"border-top-left-radius:var(--wp--preset--border-radius--2-xl);border-top-right-radius:var(--wp--preset--border-radius--2-xl);border-bottom-left-radius:var(--wp--preset--border-radius--2-xl);border-bottom-right-radius:var(--wp--preset--border-radius--2-xl);padding-top:var(--wp--preset--spacing--xl);padding-right:var(--wp--preset--spacing--xl);padding-bottom:var(--wp--preset--spacing--xl);padding-left:var(--wp--preset--spacing--xl)\"><div class=\"wp-block-yuc-illustrations-cdn\">\n\t\t\t<img\n\t\t\tclass=\"wp-block-yuc-illustrations-cdn__icon\"\n\t\t\tsrc=\"https:\/\/designassets.younited.com\/img\/illustrations\/hand_easy_fast.svg\"\n\t\t\talt=\"hand_easy_fast\"\n\t\t\twidth=\"80\"\n\t\t\theight=\"80\"\n\t\t\t\t\t\tstyle=\"width:80px;height:80px\"\n\t\t\t\t\t\tloading=\"lazy\"\n\t\t\tdecoding=\"async\"\n\t\t\/>\n\t<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-ded23ff6 wp-block-group-is-layout-constrained\">\n<p>Melhorar as taxas de aceita\u00e7\u00e3o e obter um melhor retorno da procura.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-dark-5-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-4ae4cf0b wp-block-group-is-layout-constrained\" style=\"border-top-left-radius:var(--wp--preset--border-radius--2-xl);border-top-right-radius:var(--wp--preset--border-radius--2-xl);border-bottom-left-radius:var(--wp--preset--border-radius--2-xl);border-bottom-right-radius:var(--wp--preset--border-radius--2-xl);padding-top:var(--wp--preset--spacing--xl);padding-right:var(--wp--preset--spacing--xl);padding-bottom:var(--wp--preset--spacing--xl);padding-left:var(--wp--preset--spacing--xl)\"><div class=\"wp-block-yuc-illustrations-cdn\">\n\t\t\t<img\n\t\t\tclass=\"wp-block-yuc-illustrations-cdn__icon\"\n\t\t\tsrc=\"https:\/\/designassets.younited.com\/img\/illustrations\/hand_easy_fast.svg\"\n\t\t\talt=\"hand_easy_fast\"\n\t\t\twidth=\"80\"\n\t\t\theight=\"80\"\n\t\t\t\t\t\tstyle=\"width:80px;height:80px\"\n\t\t\t\t\t\tloading=\"lazy\"\n\t\t\tdecoding=\"async\"\n\t\t\/>\n\t<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-ded23ff6 wp-block-group-is-layout-constrained\">\n<p>Aumentare il numero di richieste di finanziamento.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull wp-pattern wp-pattern-media-text has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-vertically-aligned-center\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"584\" height=\"561\" src=\"https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/visuel-contact.jpg.avif\" alt=\"visuel contact\" class=\"wp-image-46 size-media-text-2x\" srcset=\"https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/visuel-contact.jpg.avif 584w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/visuel-contact-117x112.jpg.avif 117w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/visuel-contact-180x173.jpg.avif 180w, https:\/\/younited.com\/app\/uploads\/sites\/3\/2026\/05\/visuel-contact-358x344.jpg.avif 358w\" sizes=\"auto, (max-width: 584px) 100vw, 584px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-06b7c649 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-a0f07363 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">Queres saber mais sobre a Younited ?<\/h2>\n\n\n\n<p>Os nossos especialistas acompanham-te na escolha e na implementa\u00e7\u00e3o da tua solu\u00e7\u00e3o de cr\u00e9dito.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/younited.com\/partners\/pt\/pedir-demo\/\">Contacta-nos<\/a><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n","protected":false},"author":17,"featured_media":847,"template":"","meta":{"_acf_changed":false,"content-type":""},"solution":[547],"reference_type":[519],"business_sector":[436],"class_list":["post-1068","reference","type-reference","status-publish","has-post-thumbnail","hentry","solution-credit","reference_type-historia-sucesso","business_sector-banco"],"acf":[],"yoast_head":"<title>Hist\u00f3ria de um cliente: como a Younited ajudou a Telefonica a oferecer uma 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