{"id":5072,"date":"2021-02-18T13:12:16","date_gmt":"2021-02-18T16:12:16","guid":{"rendered":"https:\/\/cm-edgetun.pages.dev\/pt-br\/industry\/blog\/?p=5072"},"modified":"2021-02-18T13:12:16","modified_gmt":"2021-02-18T16:12:16","slug":"microsoft-desenvolve-arquitetura-inteligente-do-pix-na-nuvem-para-superar-as-expectativas-do-ecossistema-bancario","status":"publish","type":"post","link":"https:\/\/cm-edgetun.pages.dev\/pt-br\/industry\/blog\/financial-services\/2021\/02\/18\/microsoft-desenvolve-arquitetura-inteligente-do-pix-na-nuvem-para-superar-as-expectativas-do-ecossistema-bancario\/","title":{"rendered":"Microsoft desenvolve arquitetura inteligente do PIX na nuvem para superar as expectativas do ecossistema banc\u00e1rio"},"content":{"rendered":"

\"uma<\/p>\n

A Microsoft desenvolveu uma abordagem inovadora para o novo\u00a0Sistema de Pagamentos\u00a0Instant\u00e2neos\u00a0brasileiro\u00a0(PIX),\u00a0regulamentado\u00a0pelo Banco Central do Brasil\u00a0(BACEN). A proposi\u00e7\u00e3o de valor da Microsoft traz\u00a0o\u00a0alto\u00a0desempenho\u00a0da plataforma de nuvem do Azure para os m\u00f3dulos do PIX, agilizando o processamento de transa\u00e7\u00f5es com efici\u00eancia operacional, proporcionando um apurado controle financeiro das transa\u00e7\u00f5es, garantindo\u00a0a conformidade\u00a0regulat\u00f3ria\u00a0e seguran\u00e7a\u00a0nas transa\u00e7\u00f5es.<\/p>\n

O in\u00edcio do PIX no Brasil<\/span><\/b>\u00a0<\/span><\/p>\n

Com o lan\u00e7amento do PIX, a expectativa era grande pelo<\/span>s<\/span>\u00a0n\u00fameros da volumetria e pelo ritmo de ado\u00e7\u00e3o dessa nova tecnologia, que poderia confirmar uma s\u00e9rie de decis\u00f5es tecnol\u00f3gicas de arquitetura e infraestrutura para atender os pagamentos\u00a0<\/span>instant\u00e2neos. Os primeiros n\u00fameros mostraram que o PIX\u00a0<\/span>perdura<\/span>r\u00e1<\/span>,<\/span>\u00a0e\u00a0<\/span>necessita<\/span>\u00a0de uma robusta solu\u00e7\u00e3o tecnol\u00f3gica no crescimento da\u00a0<\/span>quantidade<\/span>\u00a0de transa\u00e7\u00f5es.<\/span>\u00a0<\/span><\/p>\n

At\u00e9\u00a0<\/span>16<\/span>\u00a0de Dezembro de 2020, em\u00a0<\/span>aproximadamente<\/span>\u00a030 dias, considerando o per\u00edodo de testes pr\u00e9-lan\u00e7amento em 16 de novembro de 2020, foram cadastradas\u00a0<\/span>1<\/span>16<\/span>\u00a0<\/span>milh\u00f5es de chaves do PIX (<\/span>n<\/span>\u00ba de telefone\u00a0<\/span>celular, e-mail, CPF\/CNPJ<\/span>\u00a0ou chave aleat\u00f3ria<\/span>)<\/span>, concluindo em\u00a0<\/span>Dezembro<\/span>\u00a0de 2020 133.9 milh\u00f5es de chaves. S\u00e3o\u00a0<\/span>737 participantes<\/span><\/a>\u00a0sendo<\/span>\u00a0<\/span>89<\/span>\u00a0participantes diretos com mais de 500.000 mil contas correntes e 64<\/span>8<\/span>\u00a0participantes indiretos<\/span>, onde se destacaram 619 cooperativas de cr\u00e9dito.<\/span>\u00a0<\/span>A volumetria cresce diariamente, somando um total de\u00a0<\/span>144<\/span>\u00a0milh\u00f5es de transa\u00e7\u00f5es at\u00e9\u00a0<\/span>o final<\/span>\u00a0de dezembro de 2020 e R$<\/span>121<\/span>.4 bilh\u00f5es em valor monet\u00e1rio.<\/span>\u00a0<\/span><\/p>\n

A<\/span>\u00a0volumetria\u00a0<\/span>do PIX mostra claros sinais de que ir\u00e1<\/span>\u00a0crescer vertiginosamente. Pode n\u00e3o parecer muito ainda, comparando com o uso de cart\u00f5es de cr\u00e9dito por exemplo. O<\/span>s brasileiros gastaram R$ 1,089 trilh\u00e3o por meio de transa\u00e7\u00f5es com cart\u00e3o de cr\u00e9dito\u00a0<\/span>em 2019. Mas certamente a agilidade e isen\u00e7\u00e3o de tarifas do PIX far\u00e1 desse novo meio de pagamento digital uma curva ascendente, for\u00e7ando os estrategistas de tecnologia do mercado a reverem algumas decis\u00f5es tecnol\u00f3gicas e considerar\u00a0<\/span>seriamente<\/span>\u00a0o uso de nuvem p\u00fablica na arquitetura do PIX.\u201d<\/span>\u00a0<\/span><\/p>\n

PIX\u00a0<\/span><\/b>na<\/span><\/b>\u00a0<\/span><\/b>Microsoft\u00a0<\/span><\/b>Azure x PIX\u00a0<\/span><\/b>on-premises<\/span><\/b>\u00a0<\/span><\/p>\n

A nova regulamenta\u00e7\u00e3o do PIX fez com que as institui\u00e7\u00f5es financeiras rapidamente adaptassem seus sistemas legados e tomassem decis\u00f5es de arquitetura tecnol\u00f3gica<\/span>,<\/span>\u00a0para atender os requerimentos chave da regula<\/span>menta<\/span>\u00e7\u00e3o<\/span>\u00a0do B<\/span>ACEN<\/span>.<\/span>\u00a0<\/span>Nesse sentido os\u00a0<\/span>CIOs<\/span>\u00a0e estrategistas de tecnologia dos Bancos se depararam com um dilema em termos de decis\u00e3o de infraestrutura do PIX: definir a plataforma\u00a0<\/span>na nuvem d<\/span>a\u00a0<\/span>Microsoft Azure<\/span><\/b>\u00a0<\/span><\/b>ou<\/span>\u00a0<\/span><\/b>on-premises<\/span><\/b>?<\/span>\u00a0<\/span><\/p>\n

Parece uma pergunta simples, mas se olharmos\u00a0<\/span>a curto praz<\/span>o, o<\/span>\u00a0PIX pode, em pouco tempo, alcan\u00e7ar uma escala\u00a0<\/span>de crescimento exponencial,\u00a0<\/span>similar a<\/span> outros casos de refer\u00eancia ao redor do mundo.<\/span>\u00a0<\/span>Assim como o PIX, e<\/span>les<\/span>\u00a0utilizam<\/span>\u00a0de forma ampla\u00a0<\/span>os\u00a0<\/span>pagamentos instant\u00e2neos e QR\u00a0<\/span>Code<\/span>\u00a0n\u00e3o s\u00f3 para servi\u00e7os financeiros, mas em uma perspectiva\u00a0<\/span>multi-ind\u00fastria<\/span>.<\/span>\u00a0<\/span><\/p>\n

E se essa escala do PIX crescer mais rapidamente do que a capacidade de processamento e dos Data Centers dos Bancos que definiram uma arquitetura\u00a0<\/span>on-premises<\/span>? A defini\u00e7\u00e3o do PIX\u00a0<\/span>n<\/span>a nuvem p\u00fablica\u00a0<\/span>d<\/span>a<\/span>\u00a0Microsoft Azure \u00e9 a solu\u00e7\u00e3o de arquitetura tecnol\u00f3gica\u00a0<\/span>com ader\u00eancia<\/span>\u00a0\u00e0 tend\u00eancia de crescimento do PIX, em virtude de sua<\/span>s caracter\u00edsticas nativas:<\/span>\u00a0escalabilidade, velocidade<\/span>,<\/span>\u00a0desempenho, e<\/span>\u00a0integra\u00e7\u00e3o\u00a0<\/span>nativa com outros servi\u00e7os da Microsoft Azure, assim\u00a0<\/span>com<\/span>o<\/span>\u00a0<\/span>\u00a0os servi\u00e7os\u00a0<\/span>de intelig\u00eancia arti<\/span>fi<\/span>cial\u00a0<\/span>(<\/span>Azure\u00a0<\/span>Machine<\/span>\u00a0Learning<\/span><\/a>)<\/span>, que transforma<\/span>m<\/span>\u00a0uma rotina puramente transacional em uma jornada digital inteligente.<\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span>\u00a0<\/span><\/p>\n

PIX\u00a0<\/span><\/b>na nuvem da Microsoft<\/span><\/b>\u00a0Azure<\/span><\/b>\u00a0<\/span><\/p>\n

A solu\u00e7\u00e3o completa da Microsoft<\/span>\u00a0Azure<\/span>\u00a0para o PIX\u00a0<\/span>suporta<\/span>\u00a0os\u00a0<\/span>requisitos regulat\u00f3rios<\/span><\/a>\u00a0do<\/span>\u00a0BACEN<\/span>, al\u00e9m de adicionar\u00a0<\/span>capacidades anal\u00edticas de dados, intelig\u00eancia artificial, antifraude em tempo real<\/span>\u00a0e<\/span>\u00a0<\/span>insights<\/span><\/i>\u00a0do consumidor<\/span>.\u00a0<\/span>Ess<\/span>es recursos complementares\u00a0<\/span>podem ser estendidos e incorporados em um\u00a0<\/span>s<\/span><\/i>uper<\/span><\/i>a<\/span><\/i>pp<\/span><\/i><\/a>\u00a0e enriquecer os modelos futuros de\u00a0<\/span>Open Banking<\/span><\/a>, que\u00a0<\/span>come\u00e7<\/span>ou<\/span>\u00a0a ser implementado\u00a0<\/span>em\u00a0<\/span>fevereiro\u00a0<\/span>de\u00a0<\/span>202<\/span>1<\/span>.<\/span>\u00a0<\/span><\/p>\n

\"\"<\/p>\n

A nuvem da Microsoft \u00e9 o ambiente\u00a0<\/span>adequado<\/span>\u00a0para\u00a0<\/span>a constru\u00e7\u00e3o de\u00a0<\/span>sistemas que\u00a0<\/span>ser\u00e3o<\/span>\u00a0integrados a<\/span>o\u00a0<\/span>SPI<\/span><\/a>\u00a0(Sistema de Pagamentos\u00a0<\/span>Instant\u00e2neos<\/span>) do B<\/span>ACEN<\/span>, pois<\/span>\u00a0fornece\u00a0<\/span>escala<\/span>bilidade<\/span><\/a>\u00a0<\/span>d<\/span>os servi\u00e7os de acordo com o volume de transa\u00e7\u00f5es<\/span>, mantendo\u00a0<\/span>um melhor controle dos custos<\/span>\u00a0<\/span>ao mesmo tempo que garante\u00a0<\/span>o desempenho<\/span>\u00a0necess\u00e1ri<\/span>o<\/span>\u00a0para o processamento<\/span>\u00a0dos si<\/span>s<\/span>t<\/span>e<\/span>mas<\/span>.\u00a0<\/span>Essa capacidade<\/span>\u00a0el\u00e1stica da nuvem<\/span>\u00a0se torna ainda mais importante<\/span>\u00a0devido\u00a0<\/span>\u00e0<\/span>\u00a0imprevisibilidade do volume de transa\u00e7\u00f5es<\/span>\u00a0do\u00a0<\/span>PIX<\/span>.\u00a0<\/span>O ritmo de ado\u00e7\u00e3o do PIX tende a<\/span>\u00a0<\/span>evoluir e<\/span>\u00a0gradualmente substituir o uso de dinheiro f\u00edsico por moeda digital<\/span>, al\u00e9m de oferecer uma alternativa a outros meios de pagamento como cart\u00f5es\u00a0<\/span>de d\u00e9bito e cr\u00e9dito,\u00a0<\/span>boletos<\/span>\u00a0e n\u00e3o ter tarifas\u00a0<\/span>nas transfer\u00eancias\u00a0<\/span>como\u00a0<\/span>nos casos de\u00a0<\/span>DOC e TED.<\/span>\u00a0<\/span><\/p>\n

Para auxiliar nossos clientes, a\u00a0<\/span>Microsoft tamb\u00e9m construiu uma s\u00e9rie de diferenciais na sua abordagem de PIX, criando uma arquitetura robusta<\/span>, incluindo\u00a0<\/span>u<\/span>ma vis\u00e3o\u00a0<\/span>de<\/span>\u00a0fluxo\u00a0<\/span>anal\u00edtico avan\u00e7ado para\u00a0<\/span>o\u00a0<\/span>PIX, capturando insights de neg\u00f3cios a partir das transa\u00e7\u00f5es e do comportamento dos consumidores, enriquecendo esses dados atrav\u00e9s de intelig\u00eancia artificial e aprendizado da m\u00e1quina para devolver valor para\u00a0<\/span>a<\/span>s\u00a0<\/span>Institui\u00e7\u00f5es Financeiras<\/span><\/b>\u00a0como b<\/span>ancos<\/span>,\u00a0<\/span>f<\/span>intechs<\/span>,\u00a0<\/span>institui\u00e7\u00f5es de pagamentos,\u00a0<\/span>e para os\u00a0<\/span>clientes\u00a0<\/span>atrav\u00e9s de recomenda\u00e7\u00f5es personalizadas e uma melhor experi\u00eancia d<\/span>e uso das solu\u00e7\u00f5es de pagamento<\/span>.<\/span>\u00a0<\/span><\/p>\n

\"\"<\/p>\n

Um dos m\u00f3dulos mais importantes\u00a0<\/span>\u00e9 o\u00a0<\/span>antifraude<\/span>, desenvolvido com servi\u00e7os<\/span>\u00a0<\/span>AI\/ML<\/span>\u00a0<\/span>do<\/span>\u00a0Azure<\/span><\/a>, que atendem o\u00a0<\/span>requerimento de<\/span>\u00a0poucos segundos<\/span>\u00a0para finalizar a transa\u00e7\u00e3o (10s \u2013 p99 e 6s \u2013 p50)<\/span>.<\/span>\u00a0<\/span>A<\/span>\u00a0Microsoft investiu por mais de um ano, com cerca de 125 cientistas de dados na sua matriz em Redmond, Seattle, para\u00a0<\/span>desenvolver<\/span>\u00a0algoritmos de antifraude com intelig\u00eancia artificial em Azure, que atendem o requerimento de performance do\u00a0<\/span>BACEN<\/span>. Se a transa\u00e7\u00e3o do PIX tem de ocorrer em poucos segundos, o motor de antifraude deve rodar quase em tempo real e a Microsoft j\u00e1 entregou essa performance em grandes bancos internacionais nos \u00faltimos 1<\/span>4<\/span>\u00a0meses. Esse \u00e9 um benef\u00edcio enorme para os Bancos e seus Clientes, pois as transa\u00e7\u00f5es do PIX s\u00e3o irrevog\u00e1veis, tornando mais complexo o processo de contesta\u00e7\u00e3o em caso de fraude, com regras ainda sendo estabelecidas.<\/span>\u00a0<\/span><\/p>\n

Outros m\u00f3dulos do PIX desenvolvidos pela Microsoft junto com seus parceiros, incluem QR\u00a0<\/span>Code<\/span>\u00a0est\u00e1tico e din\u00e2mico, Stand-in (que permite an\u00e1lise de transa\u00e7\u00f5es mesmo quando o Core Banking estiver indispon\u00edvel ou n\u00e3o responsivo) e pagamentos recorrentes (que viabilizam programar pagamentos de forma simples e \u00e1gil, com conveni\u00eancia\u00a0<\/span>igual ou\u00a0<\/span>at\u00e9 maior em alguns casos do que d\u00e9bito autom\u00e1tico e uso de cart\u00e3o de cr\u00e9dito para servi\u00e7os de assinatura mensal<\/span>, por exemplo<\/span>)<\/span>. A<\/span>lgumas dessas funcionalidades est\u00e3o previstas para a fase 2 do PIX\u00a0<\/span>ao longo de<\/span>\u00a02021.<\/span>\u00a0<\/span><\/p>\n

Quais s\u00e3o os principais diferenciais do PIX na plataforma da Microsoft<\/span><\/b>\u00a0Azure<\/span><\/b>?<\/span><\/b>\u00a0<\/span><\/p>\n

Seguem as principais vantagens de criar a\u00a0<\/span>arquitetura do PIX<\/span>\u00a0<\/span>na\u00a0<\/span>Microsoft<\/span>\u00a0Azure<\/span>:<\/span>\u00a0<\/span><\/p>\n

    \n
  1. Centro de Excel\u00eancia<\/span><\/b><\/a>\u00a0em Pagamentos Digitais na Nuvem\u00a0<\/span><\/b>com governan\u00e7a estruturada e modelos \u00e1geis para desenvolvimentos complementares, al\u00e9m de evolu\u00e7\u00e3o do modelo PIX e inova\u00e7\u00e3o cont\u00ednua.<\/span>\u00a0<\/span><\/li>\n
  2. Seguran\u00e7a<\/span><\/b>\u00a0inteligente e centralizada<\/span><\/b><\/a>:<\/span>\u00a0Al\u00e9m de oferecer produtos e servi\u00e7os inovadores em monitoramento e seguran\u00e7a tecnol\u00f3gica, a arquitetura de refer\u00eancia do Azure para o PIX facilita a gest\u00e3o e a prote\u00e7\u00e3o dos certificados utilizados na comunica\u00e7\u00e3o com o SPI<\/span>;<\/span>\u00a0<\/span><\/li>\n
  3. Plataforma aberta de inova\u00e7\u00e3o na nuvem<\/span><\/b><\/a>:<\/span><\/b>\u00a0<\/span><\/b>P<\/span>ossibili<\/span>dade de\u00a0<\/span>conectar o PIX \u00e0s potencialidades ampliadas do Open Banking, explorando as sinergias tecnol\u00f3gicas e de neg\u00f3cios<\/span>;<\/span>\u00a0<\/span><\/li>\n
  4. Resili\u00eancia<\/span><\/b><\/a>\u00a0para um novo modelo de pagamentos<\/span><\/b>:<\/span><\/b>\u00a0Os servi\u00e7os em nuvem ajudam a construir uma plataforma com melhor controle e<\/span>m<\/span>\u00a0diferentes<\/span>,<\/span>\u00a0camadas para evitar paralisa\u00e7\u00f5es<\/span>\u00a0inesperadas;<\/span>\u00a0<\/span><\/li>\n
  5. Escalabilidade<\/span><\/b><\/a>\u00a0para atender a demanda<\/span><\/b>:<\/span><\/b>\u00a0Ao longo do tempo, o PIX tende a mostrar uma ado\u00e7\u00e3o acelerada, seja pela isen\u00e7\u00e3o de tarifas ou pela conveni\u00eancia de transacionar v\u00e1rios canais com uma chave simples\u00a0<\/span>entre pessoas (P2P), ou atrav\u00e9s de outras como B2B, P2B, P2G, B2G, G2P e G2B<\/span>. Para isso, as institui\u00e7\u00f5es precisam estar prontas para atender de forma r\u00e1pida e flex\u00edvel os constantes picos de demanda que podem surgir quando grandes varejistas, micro<\/span>\u00a0<\/span>varejo, e comerciantes informais passarem a usar o PIX de forma mais ampla<\/span>;<\/span>\u00a0<\/span><\/li>\n
  6. Agilidade<\/span><\/b><\/a>\u00a0no Time-<\/span><\/b>to<\/span><\/b>-Market<\/span><\/b>\u00a0(TTM):<\/span><\/b>\u00a0<\/span>A<\/span>s institui\u00e7\u00f5es financeiras podem realizar o desenvolvimento interno rapidamente com o suporte da Microsoft, ou implantar esses servi\u00e7os por meio de parceiros Microsoft que j\u00e1 possuem solu\u00e7\u00f5es prontas para o PIX, como a\u00a0<\/span>Sinqia<\/span><\/a>\u00a0e a\u00a0<\/span>Matera<\/span><\/a>;<\/span>\u00a0<\/span><\/li>\n
  7. Analytics<\/span><\/b><\/a>\u00a0e\u00a0<\/span><\/b>Intelig\u00eancia Artificial<\/span><\/b><\/a>.<\/span><\/b>\u00a0A nuvem do Azure fornece ferramentas simples e intuitivas para auxiliar as institui\u00e7\u00f5es a estender o valor dos dados do PIX<\/span>, al\u00e9m de cumprir requisito obrigat\u00f3rio do BACEN para posterior an\u00e1lise de logs,<\/span>\u00a0e oferecer uma melhor experi\u00eancia para o usu\u00e1rio<\/span>;<\/span>\u00a0<\/span><\/li>\n
  8. Antifraude<\/span><\/b><\/a>\u00a0e\u00a0<\/span><\/b>AML<\/span><\/b><\/a>\u00a0com\u00a0<\/span><\/b>AI\/ML<\/span><\/b>\u00a0no Azure<\/span><\/b>:<\/span><\/b>\u00a0<\/span><\/b>Composto por um conjunto de servi\u00e7os de dados e<\/span>\u00a0<\/span>de\u00a0<\/span>AI\/ML<\/span>, o processo de an\u00e1lise de transa\u00e7\u00f5es em tempo real oferece m\u00e1xim<\/span>o<\/span>\u00a0<\/span>desempenho<\/span>\u00a0combinad<\/span>o<\/span>\u00a0com efici\u00eancia operacional<\/span>,<\/span>\u00a0para analisar transa\u00e7\u00f5es dentro do tempo exigido pel<\/span>o<\/span>\u00a0<\/span>BACEN;<\/span>\u00a0<\/span><\/li>\n
  9. Utiliza\u00e7\u00e3o de servi\u00e7os\u00a0<\/span><\/b>Azure\u00a0<\/span><\/b>serverless<\/span><\/b><\/a>:\u00a0<\/span><\/b>Atrav\u00e9s de alguns servi\u00e7os<\/span>\u00a0<\/span>serverless<\/span><\/i><\/a>,\u00a0<\/span>\u00e9<\/span>\u00a0poss\u00edvel<\/span>\u00a0<\/span>otimizar os recursos, aumentar o ritmo de inova\u00e7\u00e3o<\/span>, executar c\u00f3digo sem gerenciar servidores<\/span>, corroborando com\u00a0<\/span>escalabilidade din\u00e2mica as institui\u00e7\u00f5es financeiras demandam para o PIX;<\/span>\u00a0<\/span><\/li>\n
  10. Controle dos custos<\/span><\/b><\/a>\u00a0com infraestrutura<\/span><\/b>:<\/span><\/b>\u00a0O provisionamento correto da nuvem de acordo com as caracter\u00edsticas de cada situa\u00e7\u00e3o<\/span>, sob demanda<\/span>,\u00a0<\/span>permit<\/span>indo<\/span>\u00a0um melhor gerenciamento operacional e financeiro;<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

    \u00a0<\/span><\/p>\n

    Arquitetura de Refer\u00eancia<\/span><\/b>\u00a0do PIX<\/span><\/b>\u00a0<\/span><\/b>na<\/span><\/b>\u00a0Azure<\/span><\/b>\u00a0<\/span><\/p>\n

    \"ecossistema\"<\/p>\n

    \u00a0<\/span>A arquitetura de refer\u00eancia cri<\/span>ada p<\/span>ela Microsoft\u00a0<\/span>\u00e9<\/span>\u00a0uma solu\u00e7<\/span>\u00e3o<\/span>\u00a0modular<\/span>, constru\u00edda para facilitar a implementa\u00e7\u00e3o dos m\u00f3dulos de forma inde<\/span>pendente<\/span>\u00a0e simplificada.<\/span>\u00a0<\/span><\/p>\n

    Os servi\u00e7os utilizados\u00a0<\/span>oferecem alt<\/span>a capacidade\u00a0<\/span>de processamento, aliando<\/span>\u00a0a<\/span>\u00a0escalabilidade\u00a0<\/span>necess\u00e1ria\u00a0<\/span>para o funcionamento do PIX com a resili\u00eancia e seguran\u00e7a exigidos pelo mercado<\/span>, sem representar um alto investimento para as institui\u00e7\u00f5es<\/span>, pois\u00a0<\/span>n\u00e3o exige a aquisi\u00e7\u00e3o pr\u00e9via de\u00a0<\/span>licen\u00e7as e\u00a0<\/span>equipamentos<\/span>.<\/span>\u00a0<\/span>Esse fator<\/span>\u00a0gera a economia necess\u00e1ria para que\u00a0<\/span>seja poss\u00edvel compensar\u00a0<\/span>a redu\u00e7\u00e3o de tarifas que o modelo\u00a0<\/span>transacional do PIX vai causar.<\/span>\u00a0<\/span><\/p>\n

    O\u00a0<\/span>M<\/span>anual\u00a0<\/span>de\u00a0<\/span>S<\/span>eguran\u00e7a do PIX<\/span><\/a>\u00a0rege alguns requerimentos obrigat\u00f3rios e recomendados<\/span>,\u00a0<\/span>e que foram contemplados<\/span>\u00a0na arquitetura de refer\u00eancia<\/span>\u00a0da Azure<\/span>:<\/span>\u00a0<\/span><\/p>\n\n\n\n\n\n\n\n
    Recomendado<\/span><\/b>\u00a0<\/span><\/td>\nObrigat\u00f3rio<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    A<\/span>\u00a0institui\u00e7\u00e3o financeira armazen<\/span>e<\/span>\u00a0a chave privada em um dispositivo especializado (<\/span>Azure Key\u00a0<\/span>Vault<\/span><\/a>)<\/span>\u00a0<\/span><\/td>\nA institui\u00e7\u00e3o financeira seja respons\u00e1vel pela seguran\u00e7a f\u00edsica e l\u00f3gica<\/span>\u00a0de acesso da chave privada<\/span>\u00a0<\/span><\/td>\n<\/tr>\n
    Dados criptografados em repouso<\/span>\u00a0<\/span><\/td>\nA institui\u00e7\u00e3o financeira deve se conectar \u00e0s APIs via protocolo HTTP 1.1, com a<\/span>utentica\u00e7\u00e3o m\u00fatua obrigat\u00f3ria utilizando criptografia TLS 1.2, no estabelecimento da conex\u00e3o<\/span>\u00a0<\/span><\/td>\n<\/tr>\n
    Transa\u00e7\u00f5es\u00a0<\/span>por Segundo<\/span>\u00a0(TPS m\u00ednimo)<\/span>\u00a0<\/span><\/td>\nMensagens assinadas digitalmente com chaves assim\u00e9tricas<\/span>\u00a0<\/span><\/td>\n<\/tr>\n
    Ambiente escal\u00e1vel, dispon\u00edvel e resiliente a falhas<\/span>\u00a0<\/span><\/td>\nArmazenamento e log das transa\u00e7\u00f5es para posterior auditoria<\/span>\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    \u00a0<\/span><\/p>\n

    A seguir, vamos detalhar os principais m\u00f3dulos da solu\u00e7\u00e3o<\/span>\u00a0com detalhes t\u00e9cnicos da implementa\u00e7\u00e3o e principais\u00a0<\/span>vantagens da utiliza\u00e7\u00e3o de uma plataforma inteligente<\/span>, baseado nos pilares do\u00a0<\/span>Microsoft Azure\u00a0<\/span>Well-Architected<\/span>\u00a0Framework<\/span><\/a>: Otimiza\u00e7\u00e3o de Custos, Excel\u00eancia Operacional, Efici\u00eancia de desempenho, Confiab<\/span>ilidade e Seguran\u00e7a.<\/span>\u00a0<\/span><\/p>\n

    \u00a0<\/span><\/p>\n

    Core Transacional<\/span><\/b>\u00a0<\/span><\/p>\n

    Esse m\u00f3dulo \u00e9 o r<\/span>espons\u00e1vel p<\/span>elo processamento das\u00a0<\/span>transa\u00e7\u00f5es<\/span>, orquestra\u00e7\u00e3o e\u00a0<\/span>integra\u00e7\u00e3o com\u00a0<\/span>os demais\u00a0<\/span>m\u00f3dulos<\/span>\u00a0da solu\u00e7\u00e3o<\/span>\u00a0e\u00a0<\/span>outr<\/span>as plataformas necess\u00e1rias\u00a0<\/span>para a execu\u00e7\u00e3o da transa\u00e7\u00e3o<\/span>.<\/span>\u00a0<\/span><\/p>\n

    \"\"<\/p>\n

    SPI<\/span><\/b>\u00a0<\/span><\/p>\n

    Esse m\u00f3dulo \u00e9 o r<\/span>espons\u00e1vel p<\/span>el<\/span>a integra\u00e7\u00e3o\u00a0<\/span>com o sistema do BACEN denominado SPI<\/span>\u00a0(<\/span>Sistema de Pagamento Instant\u00e2neo<\/span><\/a>)<\/span>.\u00a0<\/span>Respons\u00e1vel pelo envio e recebimento das<\/span>\u00a0transa\u00e7\u00f5es de acordo com o\u00a0<\/span>pad<\/span>r\u00e3o\u00a0<\/span>ISO 20022<\/span><\/a>\u00a0<\/span>(<\/span>blog Azure para\u00a0<\/span>Ind\u00fastria de Servi\u00e7os Financeiros<\/span>\u00a0sobre<\/span>\u00a0o ISO 20022<\/span>)<\/span><\/a>. Esse<\/span>\u00a0m\u00f3dulo automatiza\u00a0<\/span>o processo de assinatura<\/span>\u00a0<\/span>digital\u00a0<\/span>e valida\u00e7\u00e3o<\/span>\u00a0das mensagens de acordo com a norma\u00a0<\/span>XMLDSig<\/span><\/a>\u00a0e\u00a0<\/span>tamb\u00e9m\u00a0<\/span>automatiza o processo de\u00a0<\/span>utiliza\u00e7\u00e3o do certificado digital\u00a0<\/span>durante a etapa de autentica\u00e7\u00e3o da comunica\u00e7\u00e3o com o SPI, de acordo com o padr\u00e3o\u00a0<\/span>mTLS<\/span><\/a>.\u00a0<\/span>A constru\u00e7\u00e3o desse\u00a0<\/span>m\u00f3dulo teve como p<\/span>rincipais focos<\/span>\u00a0a<\/span>\u00a0Seguran\u00e7a e confiabilidade<\/span>\u00a0do processamento<\/span>.<\/span>\u00a0<\/span><\/p>\n

    \"arquitetura\"<\/span><\/p>\n

    DICT<\/span><\/b>\u00a0<\/span><\/p>\n

    Esse m\u00f3dulo\u00a0<\/span>do\u00a0<\/span>DICT<\/span>\u00a0<\/span>utiliza uma API\u00a0<\/span>para publicar uma solicita\u00e7\u00e3o derivada de uma chave do PIX registrada no DICT para o\u00a0<\/span>SPI.<\/span>\u00a0<\/span>Essas solicita\u00e7\u00f5es entram em um modelo seguro de fila para\u00a0<\/span>que o processo tenha alta resili\u00eancia,\u00a0<\/span>com status detalhado de cada transa\u00e7\u00e3o do PIX e controle de cache.<\/span>\u00a0<\/span><\/p>\n

    O m\u00f3dulo\u00a0<\/span>do DICT integrado ao m\u00f3dulo do SPI<\/span>\u00a0atua como um orquestrador\u00a0<\/span>da entrada e sa\u00edda de transa\u00e7\u00f5es<\/span>,\u00a0<\/span>as APIs de neg\u00f3cios validam as solicita\u00e7\u00f5es de transa\u00e7\u00f5es<\/span>\u00a0e registros no SPI.<\/span>\u00a0<\/span>O SPI\u00a0<\/span>ent\u00e3o\u00a0<\/span>gerencia a resposta a estas solicita\u00e7\u00f5es de transa\u00e7\u00f5es<\/span>\u00a0usando padr\u00f5es de call<\/span>–<\/span>back<\/span>,<\/span>\u00a0e gerando eventos e dados<\/span>\u00a0que s\u00e3o tratados no m\u00f3dulo complementar de anal\u00edtico do PIX.<\/span>\u00a0<\/span><\/p>\n

    Existem tamb\u00e9m uma s\u00e9rie de servi\u00e7os core que suportam o funcionamento e integridade do<\/span>s<\/span>\u00a0m\u00f3dulo<\/span>s<\/span>\u00a0d<\/span>o DICT e<\/span>\u00a0SPI como\u00a0<\/span>servi\u00e7os de monito<\/span>ramento<\/span>\u00a0(<\/span>Azure Monitor<\/span><\/a>)<\/span>, insights<\/span>\u00a0(<\/span>Azure\u00a0<\/span>Application<\/span>\u00a0Insights<\/span><\/a>)<\/span>,\u00a0<\/span>m\u00e9tricas<\/span><\/a>,\u00a0<\/span>gerencia<\/span>mento de custos<\/span><\/a>\u00a0e\u00a0<\/span>conex\u00e3o\u00a0<\/span>com a RSFN,\u00a0<\/span>utilizando<\/span>\u00a0o\u00a0<\/span>Azure E<\/span>xpress\u00a0<\/span>R<\/span>oute<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n

    \u00a0<\/span><\/p>\n

    \"arquitetura\"<\/p>\n

    Analytics<\/span><\/b>\u00a0<\/span><\/p>\n

    A Microsoft criou uma forma inovadora de extrair\u00a0<\/span>percep\u00e7\u00f5es dos clientes que utilizam\u00a0<\/span>o PIX<\/span>,<\/span>\u00a0a partir de an<\/span>\u00e1<\/span>l<\/span>ise de dados<\/span>\u00a0avan\u00e7ado,\u00a0<\/span>AI\/ML na Azure<\/span>\u00a0(<\/span>Customer<\/span>\u00a0Insights<\/span><\/a>,\u00a0<\/span>Azure\u00a0<\/span>Synapse<\/span>\u00a0<\/span>Analytics<\/span><\/a>,\u00a0<\/span>Digital Feedback Loop<\/span><\/a>)<\/span>.<\/span>\u00a0<\/span><\/p>\n

    Uma das principais oportunidades \u00e9 retroalimentar o pr\u00f3prio consumidor com aconselhamento financeiro personalizado a partir de seus dados de uso do PIX, combinados com outras fontes secund\u00e1rias de dados que\u00a0<\/span>se acoplam \u00e0\u00a0<\/span>estrat\u00e9gia do\u00a0<\/span>O<\/span>pen\u00a0<\/span>B<\/span>anking<\/span>. Por\u00e9m,\u00a0<\/span>existem outros\u00a0<\/span>poss\u00edveis\u00a0<\/span>casos de uso no setor banc\u00e1rio com uso inteligente dos dados, tais como: customiza\u00e7\u00e3o de produtos, servi\u00e7os adequados por perfil ou segmento, score de cr\u00e9dito e risco\u00a0<\/span>adaptativo<\/span>,<\/span>\u00a0etc<\/span>.<\/span>\u00a0<\/span><\/p>\n

    O m\u00f3dulo de\u00a0<\/span>analytics<\/span>\u00a0<\/span>complementa<\/span>\u00a0a solu\u00e7\u00e3o do PIX da Microsoft<\/span>, proporcionando tratar os dados e extrair\u00a0<\/span>percep\u00e7\u00f5es<\/span>\u00a0valiosos de neg\u00f3cios.\u00a0<\/span>Os dados brutos transacionais do PIX\u00a0<\/span>passam por um processo de ingest\u00e3o no Data Lake em um modelo batch, onde s\u00e3o enriquecidos.<\/span>\u00a0<\/span><\/p>\n

    Esses dados ent\u00e3o s\u00e3o<\/span>\u00a0processados e passam por uma etapa de treinamento do aprendizado da m\u00e1quina com servi\u00e7os de intelig\u00eancia artificial da Microsoft (<\/span>Azure\u00a0<\/span>M<\/span>achine<\/span>\u00a0Learning<\/span><\/a>)<\/span>. Os\u00a0<\/span>d<\/span>ados ent\u00e3o s\u00e3o escritos no\u00a0<\/span>D<\/span>ata\u00a0<\/span>L<\/span>ake<\/span><\/a>\u00a0e<\/span>\u00a0em um<\/span>\u00a0<\/span>Data\u00a0<\/span>Warehouse<\/span>\u00a0SQL<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n

    Os dados anal\u00edticos s\u00e3o virtualizados<\/span>,\u00a0<\/span>e a partir desta etapa j\u00e1 \u00e9 poss\u00edvel\u00a0<\/span>criar camadas interativas de visualiza\u00e7\u00f5es de relat\u00f3rios dos\u00a0<\/span>insights<\/span><\/i>\u00a0do PIX,\u00a0<\/span>com a\u00a0<\/span>cria<\/span>\u00e7\u00e3o de<\/span>\u00a0dashboards inteligentes atualizados quase em tempo real<\/span>\u00a0em modelos estruturados do\u00a0<\/span>Microsoft Power BI<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n

    A partir d<\/span>este ponto,<\/span>\u00a0\u00e9 criado um ciclo cont\u00ednuo anal\u00edtico do PIX, onde o aprendizado da m\u00e1quina \u00e9 automatizado e passa por calibra\u00e7\u00f5es constantes<\/span>\u00a0atrav\u00e9s d<\/span>o<\/span>\u00a0<\/span>Azure\u00a0<\/span>Databricks<\/span>\u00a0<\/span>MLF<\/span>l<\/span>ow<\/span><\/a>,<\/span>\u00a0do\u00a0<\/span>Azure\u00a0<\/span>M<\/span>achine<\/span>\u00a0Learning<\/span><\/a>\u00a0e\u00a0<\/span>Azure\u00a0<\/span>DevOps<\/span><\/a>, disponibilizando os resultados em um\u00a0<\/span>Web-<\/span>S<\/span>ervice<\/span>\u00a0<\/span>no<\/span>\u00a0<\/span>Azure\u00a0<\/span>AKS<\/span><\/a>.<\/span>\u00a0<\/span>Esse modelo de streaming da ingest\u00e3o de dados\u00a0<\/span>\u00e9 processado de uma forma \u00e1gil no\u00a0<\/span>Azure\u00a0<\/span>Functions<\/span><\/a>\u00a0ou no\u00a0<\/span>Azure\u00a0<\/span>Databricks<\/span><\/a>, sendo disponibilizados\u00a0<\/span>as entradas<\/span>\u00a0d<\/span>os<\/span>\u00a0dados na inst\u00e2ncia de\u00a0<\/span>Azure AKS<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n

    A abordagem da Microsoft para\u00a0<\/span>a parte<\/span>\u00a0anal\u00edtic<\/span>a<\/span>\u00a0do PIX\u00a0<\/span>permit<\/span>e<\/span>, entre outras vantagens, um entendimento do comportamento econ\u00f4mico<\/span>–<\/span>financeiro<\/span>\u00a0do consumidor banc\u00e1rio, alimentando modelos de intelig\u00eancia artificial para gest\u00e3o de finan\u00e7as pessoal (<\/span>Personal<\/span>\u00a0Financial Management).<\/span>\u00a0Essa intelig\u00eancia de aconselhamento financeiro ser\u00e1 ainda mais robusta quando futuramente combinarmos o anal\u00edtico do PIX com o anal\u00edtico do Open Banking, permitindo uma vis\u00e3o ainda mais ampla atrav\u00e9s da dados de\u00a0<\/span>agrega\u00e7\u00e3o de contas e servi\u00e7os financeiros, combinando\u00a0<\/span>pagamentos digitais<\/span>\u00a0de v\u00e1rios meios, seguros e\u00a0<\/span>contrata\u00e7\u00f5es de cr\u00e9dito entre outras vis\u00f5es anal\u00edticas estruturadas do perfil de cada consumidor ou empresa.<\/span>\u00a0<\/span><\/p>\n

    \"arquitetura\"<\/p>\n

    \u00a0<\/span><\/p>\n

    AntiFraude<\/span><\/b>\u00a0com Intelig\u00eancia Artificial em Tempo Real<\/span><\/b>\u00a0<\/span><\/p>\n

    O m\u00f3dulo de\u00a0<\/span>AntiFraude<\/span>\u00a0do PIX desenvolvido pela Microsoft<\/span>\u00a0atende\u00a0<\/span>um dos<\/span>\u00a0aspecto<\/span>s<\/span>\u00a0mais<\/span>\u00a0cr\u00edtico<\/span>s<\/span>\u00a0do PIX<\/span>,<\/span>\u00a0<\/span>e<\/span>\u00a0fortalece as capacidades de\u00a0<\/span>Seguran\u00e7a Cibern\u00e9tica<\/span><\/a>,\u00a0<\/span>facilitando\u00a0<\/span>\u00e0 ado\u00e7\u00e3o de<\/span>\u00a0consumidores<\/span>, empresas\u00a0<\/span>de grande, m\u00e9dio<\/span>\u00a0e\u00a0<\/span>pequeno<\/span>\u00a0porte<\/span>\u00a0e m\u00e9dio\u00a0<\/span>n<\/span>essa nova tecnologia de pagamento digital.<\/span>\u00a0<\/span><\/p>\n

    Um fator complicador<\/span>\u00a0para a antifraude \u00e9 justamente um dos maiores pontos fortes e benef\u00edcios do PIX, que \u00e9 sua capacidade\u00a0<\/span>quase<\/span>\u00a0<\/span>instant\u00e2nea de\u00a0<\/span>efetivar transa\u00e7\u00f5es digitalmente<\/span>, sendo<\/span>\u00a024 x7.<\/span>\u00a0<\/span>\u00a0<\/span><\/p>\n

    A grande maioria dos sistemas de antifraude atuais<\/span>\u00a0trabalham com um sistema de an\u00e1lise de logs p\u00f3s-transa\u00e7\u00e3o, como \u00e9 o caso de cart\u00f5es de cr\u00e9dito,\u00a0<\/span>DOCs<\/span>\u00a0e\u00a0<\/span>TEDs<\/span>,<\/span>\u00a0por exemplo.\u00a0<\/span>A quest\u00e3o aqui \u00e9 o que o\u00a0<\/span>tempo<\/span>\u00a0total do process<\/span>amento<\/span>\u00a0de uma transa\u00e7\u00e3o do PIX,\u00a0<\/span>desde a solicita\u00e7\u00e3o, valida\u00e7\u00e3o da chave,\u00a0<\/span>processamento pelo m\u00f3dulo do SPI e efetiva\u00e7\u00e3o da transa\u00e7\u00e3o, leva em m\u00e9dia\u00a0<\/span>10 segundos\u00a0<\/span><\/b>(p99)<\/span><\/b>\u00a0e\u00a0<\/span>6 segundos (<\/span><\/b>p50<\/span><\/b>)<\/span><\/b>.<\/span>\u00a0<\/span>Assim<\/span>,<\/span>\u00a0<\/span>a etapa cr\u00edtica ocorre no<\/span>s<\/span>\u00a0primeiros 3.5 segundos da transa\u00e7\u00e3o do PIX, entre a solicita\u00e7\u00e3o<\/span>,\u00a0<\/span>valida\u00e7\u00e3o e envio do pacote de solicita\u00e7\u00e3o de um participante direto\/Banco para o B<\/span>ACEN<\/span>\u00a0(m\u00f3dulo SPI).\u00a0<\/span>\u00a0<\/span><\/p>\n

    Dessa maneira,\u00a0<\/span>atrav\u00e9s<\/span>\u00a0dos servi\u00e7os\u00a0<\/span>de AI\/M<\/span>L<\/span>\u00a0da Azure<\/span><\/a>,\u00a0<\/span>foi poss\u00edvel criar um m\u00f3dulo antifraude com gera\u00e7\u00e3o de score<\/span>\u00a0em tempo menor que 3.5 segundos.\u00a0<\/span>A\u00a0<\/span>Microsoft estruturou algoritmos de intelig\u00eancia artificial para antifraude e\u00a0<\/span>antilavagem<\/span>\u00a0de dinheiro no Azure que identificam e previnem o crime digital financeiro em mili<\/span>s<\/span>segundos.<\/span>\u00a0<\/span><\/p>\n

    A vantagem da abordagem da Microsoft com\u00a0<\/span>AI\/ML<\/span>\u00a0\u00e9 que atrav\u00e9s de\u00a0<\/span>machine<\/span>\u00a0<\/span>learning<\/span>\u00a0os algoritmos aprendem e se adaptam continuamente a novas nuances dos fraudadores digitais<\/span>.<\/span>\u00a0<\/span><\/p>\n

    O<\/span>s dados transacionais do PIX<\/span>\u00a0relativos \u00e0 solicita\u00e7\u00e3o (transfer\u00eancias, pagamentos no varejo, pagamentos de contas<\/span>\u00a0<\/span>e concession\u00e1rias<\/span>\u00a0como luz,\u00a0<\/span>\u00e1gua\u00a0<\/span>etc<\/span>) passam por uma etapa \u00e1gil\u00a0<\/span>no m\u00f3dulo anal\u00edtico do PIX,\u00a0<\/span>e\u00a0<\/span>identifica padr\u00f5es de fraude e lavagem de dinheiro\u00a0<\/span>interrompendo de forma imediata a continuidade da transa\u00e7\u00e3o do PIX<\/span>. Esse modelo\u00a0<\/span>adaptativo\u00a0<\/span>passa por um constante\u00a0<\/span>re-treinamento<\/span>\u00a0atrav\u00e9s da calibra\u00e7\u00e3o\u00a0<\/span>constante dos algoritmos de IA e do modelo de\u00a0<\/span>machine<\/span>\u00a0<\/span>learning<\/span>, e\u00a0<\/span>conforme o volume de transa\u00e7\u00f5es do PIX<\/span>.<\/span>\u00a0<\/span><\/p>\n

    \"Arquitetura\"<\/span><\/p>\n

    Outro componente que pode ser adicionado ao\u00a0<\/span>processo de preven\u00e7\u00e3o \u00e0 fraude \u00e9 o reconhecimento biom\u00e9trico e posterior prova de vida, e \u00e9\u00a0<\/span>recomendado<\/span>\u00a0pelo BACEN<\/span><\/a>.<\/span>\u00a0<\/span>Atrav\u00e9s dos servi\u00e7os da Microsoft Azure,\u00a0<\/span>\u00a0<\/span><\/p>\n

    Conclus\u00e3o<\/span><\/b>\u00a0<\/span><\/p>\n

    O\u00a0<\/span>primeiro\u00a0<\/span>blogpost<\/span><\/a>\u00a0<\/span>\u00a0da s\u00e9rie PIX foi uma introdu\u00e7\u00e3o ao conceito e desafio<\/span>s<\/span>\u00a0que as institui\u00e7\u00f5es financeiras<\/span>, como bancos e institui\u00e7\u00f5es\u00a0<\/span>de pagamento,<\/span>\u00a0teriam\u00a0<\/span>a partir de 2020, e como a Microsoft Azure poderia ajudar<\/span>\u00a0com uma arquitetura de refer\u00eancia.<\/span>\u00a0<\/span><\/p>\n

    A ideia desta publica\u00e7\u00e3o foi explicar como\u00a0<\/span>a arquitetura PIX e os\u00a0<\/span>m\u00f3dulos<\/span>\u00a0sat\u00e9lites<\/span>,<\/span>\u00a0como\u00a0<\/span>anti-<\/span>fraude<\/span>\u00a0e anal\u00edtico podem\u00a0<\/span>corroborar com os requerimentos obrigat\u00f3rios<\/span>\u00a0e recomendados<\/span>\u00a0do BACEN<\/span>,<\/span>\u00a0al\u00e9m de\u00a0<\/span>enriquecer o sistema PIX<\/span>, mantendo o equil\u00edbrio da seguran\u00e7a, regula\u00e7\u00e3o e privacidade dos\u00a0<\/span>dados com as cargas de trabalho cr\u00edticas rodando na Microsoft Azure<\/span>, como o PIX<\/span>.<\/span>\u00a0<\/span><\/p>\n

    Quaisquer d\u00favidas ou requerimentos de provas de conceito, mais detalhes<\/span>, podem entrar em contato com o nosso time espec\u00edfico d<\/span>a<\/span>\u00a0<\/span>Ind\u00fastria de\u00a0<\/span>Servi\u00e7os Financeiros<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    A Microsoft desenvolveu uma abordagem inovadora para o novo\u00a0Sistema de Pagamentos\u00a0Instant\u00e2neos\u00a0brasileiro\u00a0(PIX),\u00a0regulamentado\u00a0pelo Banco Central do Brasil\u00a0(BACEN).<\/p>\n","protected":false},"author":418,"featured_media":5099,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ep_exclude_from_search":false,"_classifai_error":"","_classifai_text_to_speech_error":"","footnotes":""},"categories":[251],"post_tag":[],"content-type":[],"coauthors":[380],"class_list":["post-5072","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-services"],"yoast_head":"\nMicrosoft desenvolve arquitetura inteligente do PIX na nuvem para superar as expectativas do ecossistema banc\u00e1rio - Blogs de ind\u00fastria da Microsoft<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cm-edgetun.pages.dev\/pt-br\/industry\/blog\/financial-services\/2021\/02\/18\/microsoft-desenvolve-arquitetura-inteligente-do-pix-na-nuvem-para-superar-as-expectativas-do-ecossistema-bancario\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Microsoft desenvolve arquitetura inteligente do PIX na nuvem para superar as expectativas do ecossistema banc\u00e1rio - 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