Risolvi il tuo debito becomes Bravo to grow as a global brand

“Risolvi il tuo debito”, a fintech company of our community, operating in the area of private debt management and settlement, changed its name to “Bravo” with the goal of growing as a global brand.
Bravo’s goal is to offer a second chance to those facing financial problems by providing financial counseling to consumers to help them settle debts generated by consumer loans, credit cards, unsecured loans, and business loans – claimed on a personal basis.

We talked about it with Daniel Martinez, Co-Country Manager at Bravo.

What is Bravo’s mission?

Bravo aims to restore financial stability to those who intend to pay their debts but have found
themselves in a situation of over-indebtedness.

It is aimed at private individuals and credit institutions: it orients its customers so that they
can pay off their debts with the economic resources at their disposal according to a
customised programme created on the basis of their real economic possibilities.
In this way, Bravo contributes to the rehabilitation of its customers in the credit system from
which they would otherwise be excluded.
Bravo also provides financial education and advice on how to manage personal finances, so
that customers improve their relationship with money and do not fall back into debt.

What is the reason for the brand change? Is it related to new products or services?

The transformation of the brand, from “Risolvi il tuo Debito” to “Bravo”, is the result of an
evolution that began some time ago on a global level.

Aware of the importance of change, the brand decided to evolve under one name globally
while maintaining its principles and values, but transforming itself to better connect with its
customers and continuing with its commitment to financial education as a tool to responsibly
navigate the financial environment.

The rebranding, in fact, is accompanied by the integration of new financial solutions that
respond more comprehensively to customers’ needs and that will be presented in the coming
months.

Why did you choose Bravo as your new name?

The term Bravo was chosen with the intention of stimulating people facing financial
difficulties to believe more in themselves and look to the future with courage and positivity.
At the same time, it expresses the satisfaction of being able to celebrate the achievement of
financial freedom once one has completed the debt repayment programme and paid off all of
their debts, regaining financial stability.

What advantages does a credit institution gain from Bravo’s mediation?

The objective of Bravo is to improve the credit rating of those who have lost the ability to pay
their debts, guiding them towards repayment and thus extinguishing their debts.
Consequently, Bravo enables the re-insertion of liquidity into the financial system since, with
our programme, credit institutions have the opportunity to recover credit that would otherwise
be considered lost due to the inability of debtors to repay their debts.

How can being part of our community facilitate dialogue with other players and the growth of Bravo?

Being part of the Fintech District community offers the opportunity to share and learn from
the best practices of other Fintechs in the financial sector. This exchange of knowledge and
know-how can contribute to the continuous improvement of Bravo’s operations with the aim
of fostering innovation and improving operational efficiency.

In addition, being part of this community brings with it the opportunity to diversify service
offerings. For example, collaborating with other industry players to provide integrated
solutions to continue helping those who want to but can no longer cope with their debts.

With more than 14 years of experience in the field, we have successfully demonstrated how
our program can concretely assist people who find themselves in financial difficulty due to
debt. We are therefore convinced of the possibility of establishing strategic relationships with
other fintechs, opening up new business possibilities.

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IREN and BBVA launch a sustainable project to generate green energy and reduce citizens’ utility bills

Our Corporate BBVA in Italy and Iren luce, gas and services – the commercial business unit of the Iren Group, Italy’s leading multi-utility – joined forces for the launch of “Project Sustainability“, which allows the creation of a new Renewable Energy Community in Baganzola, a few kilometers from Parma, in a condominium of subsidized housing owned by the Parma 80 Consortium.

We talked about it with Ignacio de Loyola Gil Puertolas, Head of product and partnerships BBVA Italia, to better understand the goals and the details about the partnership.

What is the collaboration about and what are the goals and benefits for citizens?

The main objective of the collaboration is to contribute to the energy transition in the area, thanks to the generation of environmental and economic benefits for the citizens involved.The initiative has been launched in these very weeks and involves the installation on the roof of the condominium of a photovoltaic system with a total power of about 26 kWp.

Thanks to the system it will be possible to produce 100% green energy, avoiding the emission into the atmosphere of 20 tons of CO2 per year and reducing, at the same time, the costs of energy bills for citizens living in the Parma 80 building.

Within the project, the Parma 80 Consortium contributes to promoting a lifestyle based on the social, economic and environmental sustainability of the community, through urban and architectural redevelopment interventions, in line with the urban development strategies of the city of Parma itself.

What might be the future prospects as a result of the partnership?

This activity is part of a broader strategic collaboration agreement signed in 2022 by Iren and BBVA in Italy that it has at its core the joint commitment of the two companies to the ecological and digital transition.

In addition, this new agreement represents a step forward in the collaboration between Iren Group and BBVA for the implementation of mutual sustainable strategies, consistent with the framework agreement that, launched in 2019 and linked to the United Nations Sustainable Development Goals, provides Iren with a €10 million line of guarantees for green initiatives and projects from the Basque bank.

What might be the next steps?

This is an important step in the collaboration between the two companies, whose main goal is to keep developing initiatives with an environmental, digital and sustainable impact on society.

However, this is only the first milestone throughout a common journey, in which we are both committed to working side by side on such impactful projects, both for the benefit of our customers and for a more sustainable future. Watch the video to learn more about all the details of the partnership.

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