{"id":6586,"date":"2026-06-11T18:35:47","date_gmt":"2026-06-11T13:05:47","guid":{"rendered":"https:\/\/smartmobilefinance.com\/blogs\/?p=6586"},"modified":"2026-06-29T16:23:53","modified_gmt":"2026-06-29T10:53:53","slug":"fraud-hard-resets-ghost-borrowers-what-brazils-device-financing-growth-is-revealing","status":"publish","type":"post","link":"https:\/\/smartmobilefinance.com\/blogs\/fraud-hard-resets-ghost-borrowers-what-brazils-device-financing-growth-is-revealing\/","title":{"rendered":"Fraud, Hard Resets &#038; Ghost Borrowers: What Brazil\u2019s Device Financing Growth Is Revealing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6586\" class=\"elementor elementor-6586\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a630bec e-flex e-con-boxed e-con e-parent\" data-id=\"a630bec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e48112 elementor-widget elementor-widget-text-editor\" data-id=\"2e48112\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Device financing is helping Brazilian retailers sell more smartphones, but it is also changing the kind of challenges they need to handle.<\/span><\/p><p><span style=\"font-weight: 400;\">In Brazil, where parcelamento already shapes how people buy smartphones, options like Pix Parcelado are taking device financing further. For mobile retailers across S\u00e3o Paulo, Rio de Janeiro, Belo Horizonte, Recife, Salvador, Fortaleza, Bras\u00edlia, and other busy retail markets, this means a stronger way to sell more phones without full upfront payment becoming a barrier.<\/span><\/p><p><span style=\"font-weight: 400;\">But there is another side to this growth.<\/span><\/p><p><span style=\"font-weight: 400;\">Brazil\u2019s overall credit situation shows why retailers need to be careful. Recent Serasa data shows that around <\/span><a href=\"https:\/\/www.cnnbrasil.com.br\/economia\/macroeconomia\/inadimplencia-atinge-817-milhoes-e-cresce-38-em-10-anos-no-brasil\/\"><span style=\"font-weight: 400;\">81.7 million people in Brazil had overdue debt in 2026<\/span><\/a><span style=\"font-weight: 400;\">, a 38.1% increase compared with 2016.<\/span><\/p><p><span style=\"font-weight: 400;\">For mobile retailers, this means one thing: device financing cannot depend only on trust, phone calls, and manual follow-ups.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7a9ae0 e-flex e-con-boxed e-con e-parent\" data-id=\"c7a9ae0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db7c364 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"db7c364\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/smartmobilefinance.com\/blogs\/wp-content\/uploads\/2026\/06\/image-47-1024x576.jpg\" class=\"attachment-large size-large wp-image-6588\" alt=\"\" srcset=\"https:\/\/smartmobilefinance.com\/blogs\/wp-content\/uploads\/2026\/06\/image-47-1024x576.jpg 1024w, https:\/\/smartmobilefinance.com\/blogs\/wp-content\/uploads\/2026\/06\/image-47-300x169.jpg 300w, https:\/\/smartmobilefinance.com\/blogs\/wp-content\/uploads\/2026\/06\/image-47-768x432.jpg 768w, https:\/\/smartmobilefinance.com\/blogs\/wp-content\/uploads\/2026\/06\/image-47-1536x864.jpg 1536w, https:\/\/smartmobilefinance.com\/blogs\/wp-content\/uploads\/2026\/06\/image-47.jpg 1672w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e78beb e-flex e-con-boxed e-con e-parent\" data-id=\"2e78beb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0ef6b42 e-con-full e-flex e-con e-child\" data-id=\"0ef6b42\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a5f204f e-con-full e-flex e-con e-child\" data-id=\"a5f204f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92f6edf elementor-widget elementor-widget-heading\" data-id=\"92f6edf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Hidden Risks Behind Brazil\u2019s Device Financing Growth<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc923f9 elementor-widget elementor-widget-text-editor\" data-id=\"bc923f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Brazilian retailers are facing three common threats:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9f51070 e-con-full e-flex e-con e-child\" data-id=\"9f51070\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d9c885 elementor-widget elementor-widget-heading\" data-id=\"6d9c885\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Payment delay<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c3f2a9 elementor-widget elementor-widget-text-editor\" data-id=\"9c3f2a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A customer may pay the first instalment and then delay the next one. If this happens across many customers, the retailer\u2019s daily money flow is affected.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5bdd569 e-con-full e-flex e-con e-child\" data-id=\"5bdd569\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d6ed1f5 e-con-full e-flex e-con e-child\" data-id=\"d6ed1f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0ac3f8e e-con-full e-flex e-con e-child\" data-id=\"0ac3f8e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e45971 elementor-widget elementor-widget-heading\" data-id=\"7e45971\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Hard reset problem<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63f3881 elementor-widget elementor-widget-text-editor\" data-id=\"63f3881\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Some customers may try to reset the device to remove control or avoid payment reminders. If the retailer does not have strong device lock protection, the financed phone can become difficult to manage.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2469a05 e-con-full e-flex e-con e-child\" data-id=\"2469a05\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e57d098 elementor-widget elementor-widget-heading\" data-id=\"e57d098\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Ghost borrower<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68e2517 elementor-widget elementor-widget-text-editor\" data-id=\"68e2517\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This is a customer who gives incomplete, incorrect, or hard-to-track details and then disappears after taking the phone. For small and mid-size retailers, even a few such cases can hurt monthly profit.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-98cc2c5 e-flex e-con-boxed e-con e-parent\" data-id=\"98cc2c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44cc2c3 elementor-widget elementor-widget-heading\" data-id=\"44cc2c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How SMF Gives Retailers Stronger Device Financing Control<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99139c8 elementor-widget elementor-widget-text-editor\" data-id=\"99139c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/smartmobilefinance.com\/\"><span style=\"font-weight: 400;\">SMF\u2019s (Smart Mobile Finance)<\/span><\/a><span style=\"font-weight: 400;\"> device lock makes device financing safer for retailers. Here\u2019s how:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aa670c7 e-grid e-con-full e-con e-child\" data-id=\"aa670c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a7f387d e-con-full e-flex e-con e-child\" data-id=\"a7f387d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6428c93 elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"6428c93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-padlock\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-066e99b elementor-widget elementor-widget-heading\" data-id=\"066e99b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Lock overdue devices remotely: <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89fe693 elementor-widget elementor-widget-text-editor\" data-id=\"89fe693\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">With SMF, retailers can remotely lock an overdue device and unlock it again once the customer pays. This gives direct control without needing repeated calls or field visits.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-615dfeb e-con-full e-flex e-con e-child\" data-id=\"615dfeb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7deef4c elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"7deef4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-bell\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M439.39 362.29c-19.32-20.76-55.47-51.99-55.47-154.29 0-77.7-54.48-139.9-127.94-155.16V32c0-17.67-14.32-32-31.98-32s-31.98 14.33-31.98 32v20.84C118.56 68.1 64.08 130.3 64.08 208c0 102.3-36.15 133.53-55.47 154.29-6 6.45-8.66 14.16-8.61 21.71.11 16.4 12.98 32 32.1 32h383.8c19.12 0 32-15.6 32.1-32 .05-7.55-2.61-15.27-8.61-21.71zM67.53 368c21.22-27.97 44.42-74.33 44.53-159.42 0-.2-.06-.38-.06-.58 0-61.86 50.14-112 112-112s112 50.14 112 112c0 .2-.06.38-.06.58.11 85.1 23.31 131.46 44.53 159.42H67.53zM224 512c35.32 0 63.97-28.65 63.97-64H160.03c0 35.35 28.65 64 63.97 64z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d43c17 elementor-widget elementor-widget-heading\" data-id=\"9d43c17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Reduce missed payments before they happen:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-237e9d0 elementor-widget elementor-widget-text-editor\" data-id=\"237e9d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Retailers can send smart payment reminders before due dates, helping customers remember upcoming installments. This makes recovery easier because the retailer does not have to chase every payment manually.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d10b62 e-con-full e-flex e-con e-child\" data-id=\"1d10b62\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21892cf elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"21892cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-protected-content-v3\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c3bf62 elementor-widget elementor-widget-heading\" data-id=\"6c3bf62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Protect devices against reset attempts:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6278625 elementor-widget elementor-widget-text-editor\" data-id=\"6278625\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">SMF\u2019s anti-tamper security helps keep the lock active even if the customer changes their number or formats the phone. This is important for retailers who want stronger protection against hard resets and misuse.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76f9e9b e-con-full e-flex e-con e-child\" data-id=\"76f9e9b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7371f2 elementor-view-stacked elementor-shape-circle elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e7371f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-manager\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-999764e elementor-widget elementor-widget-heading\" data-id=\"999764e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Manage all devices from one place:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c1cd38 elementor-widget elementor-widget-text-editor\" data-id=\"0c1cd38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">From one dashboard, retailers can view payment status, send reminders, and lock or unlock devices in real time. No technical expertise is needed.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6de76d2 e-flex e-con-boxed e-con e-parent\" data-id=\"6de76d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24816e4 elementor-widget elementor-widget-heading\" data-id=\"24816e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Next Step for Device Financing in Brazil<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f09072 elementor-widget elementor-widget-text-editor\" data-id=\"4f09072\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Brazil\u2019s smartphone market has strong potential because customers want easier ways to buy phones. But for retailers, growth should not come with uncontrolled risk.<\/span><\/p><p><span style=\"font-weight: 400;\">The future of device financing in Brazil will belong to retailers who can offer flexible payment options while protecting their financed devices. With SMF\u2019s device lock, retailers can reduce payment delays, protect against hard resets, manage overdue devices, and grow their smartphone financing business with more confidence.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Want to make device financing safer for your retail business in Brazil? <\/span><a href=\"https:\/\/smartmobilefinance.com\/contact-us\"><span style=\"font-weight: 400;\">Contact us today<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7cc965e e-flex e-con-boxed e-con e-parent\" data-id=\"7cc965e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0a760f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b0a760f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a7f3a9 elementor-widget elementor-widget-heading\" data-id=\"2a7f3a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b790b39 elementor-invisible elementor-widget elementor-widget-elementskit-accordion\" data-id=\"b790b39\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6ac771730ba39\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-b790b39\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-6f491396ac771730ba39\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-6f491396ac771730ba39\" aria-expanded=\"true\" aria-controls=\"Collapse-6f491396ac771730ba39\">\n                            \n                            <span class=\"ekit-accordion-title\">What should Brazilian retailers check before offering device financing?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\" ti-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\" ti-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-6f491396ac771730ba39\" class=\" show collapse\" role=\"region\" aria-labelledby=\"primaryHeading-0-b790b39\" data-parent=\"#accordion-6ac771730ba39\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Before offering device financing or financiamento de celular, Brazilian retailers should check the customer\u2019s basic details, phone number, address, ability to pay, and payment history, where possible. They should also use a device lock or mobile finance locker to keep the financed smartphone protected until all parcelas or instalments are completed.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-b790b39\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-042b3786ac771730ba39\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-042b3786ac771730ba39\" aria-expanded=\"false\" aria-controls=\"Collapse-042b3786ac771730ba39\">\n                            \n                            <span class=\"ekit-accordion-title\">Is a mobile finance locker useful for small mobile retailers in Brazil?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\" ti-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\" ti-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-042b3786ac771730ba39\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-1-b790b39\" data-parent=\"#accordion-6ac771730ba39\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Yes. A mobile finance locker like SMF is useful for small mobile retailers, lojas de celulares, and smartphone sellers in Brazil because even a few unpaid devices can reduce monthly profit. It helps retailers offer smartphones through parcelamento, Pix Parcelado, or instalment-based sales while keeping control over the device in cases of delayed payment, hard reset attempts, or customer non-response.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-b790b39\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-fcc8da46ac771730ba39\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-fcc8da46ac771730ba39\" aria-expanded=\"false\" aria-controls=\"Collapse-fcc8da46ac771730ba39\">\n                            \n                            <span class=\"ekit-accordion-title\">How does SMF help retailers manage payment delays in device financing?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\" ti-plus\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\" ti-minus\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-fcc8da46ac771730ba39\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-2-b790b39\" data-parent=\"#accordion-6ac771730ba39\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">SMF helps retailers manage payment delays in smartphone financing by combining smart payment reminders, remote device lock, anti-tamper protection, and real-time device management. This helps Brazilian retailers protect financed smartphones without depending only on calls, WhatsApp follow-ups, or manual recovery.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                                        <script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What should Brazilian retailers check before offering device financing?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p><span style=\\\"font-weight: 400\\\">Before offering device financing or financiamento de celular, Brazilian retailers should check the customer\u2019s basic details, phone number, address, ability to pay, and payment history, where possible. 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