Taxa de Inadimplência Elevada por Notificação Atrasada ou Perdida
Definition
Fine notifications are sent by Correios (Brazilian postal service) to the registered vehicle owner address. Postal delivery can take 5-20 days depending on location. Combined with 5-30 day system processing lag, many motorists receive notifications after the 30-day payment window has expired or closed. Additionally, address changes are not updated, causing notifications to be returned or lost.
Key Findings
- Financial Impact: R$ 500,000,000 - R$ 2,000,000,000 annually (estimated: ~50M fines/year in Brasil × average R$ 200 fine × 5-15% non-payment rate due to delayed/lost notification)
- Frequency: 5-15% of all issued fines; monthly recurring loss
- Root Cause: Reliance on Correios postal service (slow, unreliable); outdated motorist addresses in DETRAN databases; no SMS/email notification channel; no confirmation of delivery mechanism; insufficient data validation on vehicle owner contacts
Why This Matters
The Pitch: Brazilian traffic agencies lose 5-15% of fine revenue annually due to failed postal delivery and expired notification windows. SMS/email notification + digital portal eliminates mail dependency and recovers R$ 500M-R$ 2B in annual collections.
Affected Stakeholders
DETRAN notification teams, Revenue collection, Correios coordination, Motorist services
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
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Related Business Risks
Anulação Automática de Multas por Não-Registro em 30 Dias
Atraso na Entrada no Sistema e Recebimento de Multas (5-30 dias)
Gargalos de Processamento Manual em Rodovias de Alto Tráfego
Risco de Duplicação de Multas e Falta de Controle de Deduplicação
Manipulação e Exclusão de Footage de Câmeras Corporais na Plataforma de Armazenamento
Falta de Padronização e Conformidade em Retenção de Dados de Câmeras Corporais entre Estados
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