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Revista chilena de derecho y tecnología

versão On-line ISSN 0719-2584

Resumo

GOLDENBERG, Juan Luis. Big data and Fintech tools to prevent and relieve consumer overindebtedness: a proposal. Rev. chil. derecho tecnol. [online]. 2019, vol.8, n.2, pp.5-32. ISSN 0719-2584.  http://dx.doi.org/10.5354/0719-2584.2019.54051.

This paper explores the possibility of using Big Data and Fintech tools to comply with the duties of advice and adequacy, typical of the model of the “responsible loans”, as mechanisms to avoid excessive debt or alleviate it once evidenced. With these alternatives of information processing, certain problems in the dynamics of the protective regulation for the financial consumer can be solved, such as the deficiencies in the configuration of models of information recipients (the “average consumer”), the overcoming of the duties of information and its necessary reformulation as duties of advice or warning and the promotion of the renegotiation of the debt for its adjustment to the real possibilities of payment of the debtor.

Palavras-chave : Big Data; Fintech; overindebtedness; personalized law.

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