--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Dívida Aberta" developer_entity: "Servicos e Informacoes do Brasil" bundle_id: "br.gov.pgfn.dividaaberta" app_store_id: "1485407516" google_play_id: "br.gov.serpro.pgfn.devedores" category: "Utilities" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS & Android" app_last_updated: "2026-03-27" report_date: "2026-06-30" last_verified: "2026-06-30T02:35:55.774Z" report_version: "4.3.6" total_reviews: 352 overall_rating: 4.85 sentiment: "Upset" sentiment_score: 10 confidence: "low" confidence_score: 0.45 top_complaint_theme: "Application fails to launch or function entirely following the latest update on mobile devices" review_sample_size: 1 total_review_count: 1 analyzed_review_count: 1 data_age_days: 2 momentum_velocity: "intense" intelligence_version: 3 nemesis: "FGTS" competitor_count: 2 tags: ["utilities", "free", "upset sentiment", "mobile app", "app review", "app analysis", "citizens,", "business", "owners,"] canonical_url: "https://marlvel.ai/intel-report/utilities/divida-aberta" license: "CC-BY-NC 4.0" content_version: "v2" --- # Dívida Aberta App Audit ## TL;DR {#tldr} - **Category**: Utilities · Free - **Signal**: Rating 4.85 · Sentiment Upset - **Recent focus**: Application fails to launch or function entirely following the latest update on mobile devices (top complaint) > **TL;DR:** Dívida Aberta is a utilities app by Servicos e Informacoes do Brasil, rated 4.85/5 by 352 users, with Upset user sentiment (10/100), available on iOS & Android. > > **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence. > **Key Insight:** Dívida Aberta faces Upset user sentiment (4.85/5 from 352 reviews), with application fails to launch or function entirely following the latest update on mobile devices as the primary user concern. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 4.85/5 (352 reviews) | | **User Mood** | Upset | | **Category** | Utilities | | **Developer** | Servicos e Informacoes do Brasil | | **Pricing** | Free | | **Platforms** | iOS & Android | | **Confidence** | Low (0.45/1.0) | | **Data Age** | 0d | ## Metadata & Market Performance - **Publisher:** Servicos e Informacoes do Brasil - **Category:** Utilities - **Target Audience:** Citizens, business owners, and researchers interested in fiscal transparency and the status of federal tax or FGTS debts. - **Platforms:** iOS & Android - **Version Audited:** 4.3.6 - **Audit Date:** 2026-06-30 - **Signal Count:** 1 reviews analyzed - **Confidence:** Low (0.45/1.0) - **App Store ID (iOS):** 1485407516 - **Bundle ID:** br.gov.pgfn.dividaaberta - **Google Play ID:** br.gov.serpro.pgfn.devedores - **Performance Trend:** Declining - **Data Window:** Analysis based on signals collected up to 2026-06-30 ## Executive Snapshot **What it is:** Dívida Aberta is a government-provided utility for tracking federal tax and FGTS debts, available on iOS and Android. **Why users hire it:** Users hire the app to verify the fiscal regularity of commercial establishments and contribute to public debt recovery through crowdsourced data. ## App DNA (Features & Intent) - **[Differentiator] QR Code Invoice Scanner:** Identifies if a commercial establishment has outstanding federal debts by scanning fiscal notes - **[Differentiator] Georeferenced Debtor Map:** Visualizes corporate debtors on a map interface to show regional debt concentration - **[Standard] REGULARIZE Portal Integration:** Provides a direct link to the PGFN digital platform for debt payment, negotiation, or contestation * *User Intent:* Users seek enhanced value through premium features. ## Market Position {#market-position} Dívida Aberta occupies a niche utility space within the Brazilian market, currently ranking #175 in Social (BR) despite its primary function as a financial utility. The discrepancy between its utility-focused description and social-category ranking suggests a misalignment in discovery channels. ## Monetization Strategy - **Model:** Free - **Tiers:** Fully free access to all public debt data and tools - **Analysis:** The app is a government-provided utility with no monetization, focused on public transparency and debt recovery. ## 🔴 User Sentiment (Low Confidence: 1 of 1 reviews analyzed) {#user-sentiment} - **Overall Rating:** 4.85/5 - **Platform Split:** iOS 1.0/5 (1 ratings) | Android 4.9/5 (351 ratings) - **Overall Sentiment:** Upset - **Note:** The 4.85/5 store rating reflects cumulative history, while the Upset sentiment reflects recent user reviews analyzed by our AI pipeline. ### Top Complaints (Impact Areas) - **Application fails to launch or function entirely following the latest update on mobile devices** ## SWOT Analysis {#swot} **Core Strengths:** - Crowdsourced address verification reduces PGFN administrative costs - QR-based fiscal transparency promotes active citizenship **Critical Frictions:** - Critical failure post-update renders the app unusable - 1★ rating on iOS reflects total loss of utility **Growth Levers:** - Integration with broader government transparency portals - Expansion of georeferenced data for public research **Market Threats:** - High-friction barrier from FGTS portal dominance - Consistent update cadence of utility rivals like Scanner ## Recent Changes (v2 → v3) {#recent-changes} The app's competitive position has declined due to a critical post-update failure that rendered the software unusable, leading to a 1★ rating and negative outlook. **Overall trend**: Declining **Compared at**: 2026-06-30 ### High-impact changes - **[Declined] Critical Stability Failure** (sentiment) — User sentiment shifted to terrible (1★ rating) following reports that the app fails to launch or function entirely post-update. - **[Shifted] Executive Summary Pivot** (positioning) — The summary shifted from describing a functional transparency tool to highlighting a critical failure that creates a barrier to trust. ### Medium-impact changes - **[Improved] Feature Repositioning** (features) — QR Code Scanner and Georeferenced Debtor Map were upgraded from standard to differentiator status. - **[Added] New SWOT Items** (swot) — Added critical failure and 1★ rating as weaknesses, and identified FGTS portal dominance and rival update cadence as new threats. ## Rivals Landscape {#rivals} > Competitive positioning identified by AI analysis of app features, category, and market signals. ### Dívida Aberta vs FGTS — Head to Head - **[FGTS](https://marlvel.ai/intel-report/finance/fgts)** by Caixa Econômica Federal: This app serves as the primary government-mandated financial portal for the same user base, creating a high-friction barrier for any secondary utility app. - **Moat strength:** High — sustainable advantage over 12 months - **Key differences:** - Integrates mandatory government financial services that drive daily user engagement and high retention rates. - Leverages a massive, pre-existing user base of millions of workers who must access the platform regularly. - Provides critical, personalized financial data that creates a sticky ecosystem the target app cannot replicate. ### New Kids on the Block (What's Innovative) - **[Scanner](https://marlvel.ai/intel-report/utilities/com-tapmedialtd-scanner)** by TapMedia Ltd: While not a direct financial rival, its high-frequency utility usage and recent update cadence represent a threat to the target app's niche QR-scanning functionality. ## App Momentum (Intense) {#momentum} - Shipped latest release with critical regressions. - Maintains public debt transparency utility. > **Cadence:** 5 total versions · 0 majors in last 6 months · 23 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} Dívida Aberta is a challenged utilities app that is completely free. With a 4.85/5 rating from 352 reviews, it faces significant user friction. > **Bottom Line:** The app provides a unique transparency mechanism for federal debt, but the latest update has rendered it completely non-functional, so the PM must prioritize an immediate rollback to restore basic utility and prevent further brand erosion. **Best for:** Citizens, business owners, and researchers interested in fiscal transparency and the status of federal tax or FGTS debts. ### PM Action Plan (Next Best Moves) - [ ] [PIVOT] [HIGH IMPACT] Revert latest update because it causes total application failure → restore basic utility — *The app is currently non-functional post-update, leading to a 1★ rating and total loss of user access.* _(trade-off: deprioritize Pause all new feature development until stability is verified.)_ ### Feature Gaps vs Competitors - High-speed document digitization (available in Scanner but missing here) ### Outlook: Declining The outlook for Dívida Aberta is negative due to the critical stability failure in the latest release. Without an immediate fix, the app risks losing its remaining user base to more reliable government portals and general-purpose utility tools. - 🔴 The latest update caused a total loss of functionality, which will accelerate user churn and further depress the already low rating. - ⚪ The app remains in maintenance mode with no significant feature additions, leaving it vulnerable to more agile utility competitors. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 4.85/5 | | Total Reviews | 352 | | Sentiment | Upset (10/100) | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS & Android | | Key Features | 3 analyzed | | Trend | Declining | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Dívida Aberta** (this app) | 4.85/5 | Upset | Servicos e Informacoes do Brasil | | [Scanner](https://marlvel.ai/intel-report/utilities/com-tapmedialtd-scanner) | 4.7/5 | Mixed | TapMedia Ltd | | [FGTS](https://marlvel.ai/intel-report/finance/fgts) | 4.8/5 | Upset | Caixa Econômica Federal | | [Free VPN by Free VPN .org™](https://marlvel.ai/intel-report/utilities/free-vpn-by-free-vpn-org) | 4.4/5 | Mixed | Free VPN LLC | | [Quantumult X](https://marlvel.ai/intel-report/utilities/quantumult-x) | 3.8/5 | N/A | Cross Utility Ltd | | [V2Box - V2ray Client](https://marlvel.ai/intel-report/utilities/v2box-v2ray-client) | 4.5/5 | Excited | techlaim | ## Company Profile - **Developer:** Servicos e Informacoes do Brasil - **Website:** [https://www.pgfn.fazenda.gov.br/](https://www.pgfn.fazenda.gov.br/) - **Social:** [YouTube](https://www.youtube.com/channel/UC855GpbOZXf7b1gJYbgUpEQ) ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/d%C3%ADvida-aberta/id1485407516?uo=4) - **Google Play:** [View on Google Play](https://play.google.com/store/apps/details?id=br.gov.serpro.pgfn.devedores&hl=en&gl=us) - **Dev Site:** [Official Website](https://www.pgfn.fazenda.gov.br/) - **Sources:** Developer website content, App store metadata, User reviews. ## Related Intel Reports - [*Scanner*](https://marlvel.ai/intel-report/utilities/com-tapmedialtd-scanner) (TapMedia Ltd) — 4.7/5 Rating | Mixed Sentiment - [*FGTS*](https://marlvel.ai/intel-report/finance/fgts) (Caixa Econômica Federal) — 4.8/5 Rating | Terrible Sentiment - [*Free VPN by Free VPN .org™*](https://marlvel.ai/intel-report/utilities/free-vpn-by-free-vpn-org) (Free VPN LLC) — 4.4/5 Rating | Mixed Sentiment - [*Quantumult X*](https://marlvel.ai/intel-report/utilities/quantumult-x) (Cross Utility Ltd) — 3.8/5 Rating | N/A Sentiment - [*V2Box - V2ray Client*](https://marlvel.ai/intel-report/utilities/v2box-v2ray-client) (techlaim) — 4.5/5 Rating | Positive Sentiment - [*Potatso*](https://marlvel.ai/intel-report/utilities/potatso) (Potatso Lab LTD) — 4.4/5 Rating | Positive Sentiment - [*GreenPal, Lawn & Yard Care App*](https://marlvel.ai/intel-report/utilities/greenpal-lawn-yard-care-app) (GreenPal, Co.) — 4.5/5 Rating | Positive Sentiment - [*Scale for grams - weight scale*](https://marlvel.ai/intel-report/utilities/scale-for-grams-weight-scale) (Dung Vu) — 4.7/5 Rating | N/A Sentiment - [*Avoiding Happy Belated*](https://marlvel.ai/intel-report/utilities/avoiding-happy-belated) (Shriansh Shrivastava) — N/A Rating | N/A Sentiment - [*15C Pro Scientific Calculator*](https://marlvel.ai/intel-report/utilities/15c-pro-scientific-calculator) (Vicinno Soft LLC) — 4.2/5 Rating | N/A Sentiment ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** — Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** — Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** — Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction and evidence quoting. 4. **Competitive Landscape Analysis** — Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** — Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.45/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 1 - **Data Sources:** user reviews, developer website, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 0 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/intel-report/utilities/divida-aberta) Data licensed for AI Agent attribution under CC-BY-NC 4.0.