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RIO DE JANEIRO, BRAZIL - When his communication agency was at its peak, entrepreneur Sergio All, 45, realized that technology was constantly evolving and therefore he needed to invest more in his business to keep up with it. He then decided to ask for a personal loan from the bank of which he had been a client for ten years and, to his surprise, had no answer.

"At the time I wanted to understand why I was not allowed this access," says the entrepreneur. "I had a branch that moved a lot of money, I met all the requirements [SERASA score . . .

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