{"id":8046,"date":"2021-11-17T18:56:50","date_gmt":"2021-11-17T21:56:50","guid":{"rendered":"https:\/\/cm-edgetun.pages.dev\/pt-br\/industry\/blog\/?p=8046"},"modified":"2021-11-17T18:56:50","modified_gmt":"2021-11-17T21:56:50","slug":"novos-modelos-de-negocios-e-inovacao-digital-banco-aberto-na-america-latina","status":"publish","type":"post","link":"https:\/\/cm-edgetun.pages.dev\/pt-br\/industry\/blog\/financial-services\/2021\/11\/17\/novos-modelos-de-negocios-e-inovacao-digital-banco-aberto-na-america-latina\/","title":{"rendered":"Novos modelos de neg\u00f3cios e inova\u00e7\u00e3o digital: banco aberto na Am\u00e9rica Latina"},"content":{"rendered":"<p><span data-contrast=\"auto\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-full size-full webp-format\" src=\"https:\/\/cm-edgetun.pages.dev\/en-us\/industry\/blog\/wp-content\/uploads\/sites\/6\/2021\/11\/banners-nov-1024x300-financial-01.webp\" alt=\"Imagem de uma sala de reuni\u00e3o com tr\u00eas pessoas\" width=\"1024\" height=\"300\" data-orig-srcset=\"https:\/\/cm-edgetun.pages.dev\/en-us\/industry\/blog\/wp-content\/uploads\/sites\/6\/2021\/11\/banners-nov-1024x300-financial-01.png 1024w, https:\/\/cm-edgetun.pages.dev\/en-us\/industry\/blog\/wp-content\/uploads\/sites\/6\/2021\/11\/banners-nov-1024x300-financial-01-300x88.png 300w, https:\/\/cm-edgetun.pages.dev\/en-us\/industry\/blog\/wp-content\/uploads\/sites\/6\/2021\/11\/banners-nov-1024x300-financial-01-768x225.png 768w, https:\/\/cm-edgetun.pages.dev\/en-us\/industry\/blog\/wp-content\/uploads\/sites\/6\/2021\/11\/banners-nov-1024x300-financial-01-330x97.png 330w, https:\/\/cm-edgetun.pages.dev\/en-us\/industry\/blog\/wp-content\/uploads\/sites\/6\/2021\/11\/banners-nov-1024x300-financial-01-800x234.png 800w, https:\/\/cm-edgetun.pages.dev\/en-us\/industry\/blog\/wp-content\/uploads\/sites\/6\/2021\/11\/banners-nov-1024x300-financial-01-400x117.png 400w\" data-orig-src=\"https:\/\/cm-edgetun.pages.dev\/en-us\/industry\/blog\/wp-content\/uploads\/sites\/6\/2021\/11\/banners-nov-1024x300-financial-01.png\" \/><\/span><\/p>\n<p><span data-contrast=\"auto\">Para o ambiente competitivo de hoje, os bancos precisam se modernizar para serem \u00e1geis e eficientes o suficiente por meio de dados. Mas quais s\u00e3o as principais tend\u00eancias a serem consideradas pelos l\u00edderes do setor?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">De 2018 a 2021, as a\u00e7\u00f5es do M\u00e9xico, Chile e Brasil foram decisivas para liderar a implanta\u00e7\u00e3o de novos meios de pagamento digital &#8211;<\/span><i><span data-contrast=\"auto\">open banking<\/span><\/i><span data-contrast=\"auto\">&#8211; em pa\u00edses no resto da Am\u00e9rica Latina e Caribe. As inova\u00e7\u00f5es foram t\u00e3o impressionantes que estabeleceram uma tend\u00eancia favor\u00e1vel na regi\u00e3o.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:720,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Sem d\u00favida, a pandemia foi um dos fatores que impulsionaram esse sistema, e reafirmou o\u00a0<\/span><i><span data-contrast=\"auto\">open banking<\/span><\/i><span data-contrast=\"auto\">\u00a0como um acontecimento que veio para ficar. Al\u00e9m disso, o uso de dinheiro em grandes quantidades na Am\u00e9rica Latina diminuiu, mudando para moedas e m\u00e9todos digitais (gra\u00e7as, em parte, aos telefones e tablets). Como isso aconteceu em cada pa\u00eds?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:720,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Pioneiros do assunto<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Na Am\u00e9rica Latina, o M\u00e9xico liderou os processos de adapta\u00e7\u00e3o a esse sistema,<\/span><\/b><span data-contrast=\"auto\">\u00a0por isso j\u00e1 foram publicados os primeiros dispositivos, enquadrados na Lei Fintech. O regulamento de\u00a0<\/span><i><span data-contrast=\"auto\">open finance<\/span><\/i><span data-contrast=\"auto\">\u00a0estabelece a obriga\u00e7\u00e3o de trocar dados p\u00fablicos, agregados e transacionais por entidades financeiras.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:720,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Em outras palavras, este pa\u00eds decidiu se aventurar -primeiro- nas \u00e1reas de menor dificuldade, para depois entrar no campo complicado, e contar com bases s\u00f3lidas que permitam um funcionamento \u00f3timo. Mais de 2.000 bancos est\u00e3o sob esta disposi\u00e7\u00e3o desde 5 de junho de 2021.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:720,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">O futuro no M\u00e9xico \u00e9 promissor e j\u00e1 gerou grandes impactos em seu setor: por exemplo, o usu\u00e1rio pode escolher produtos adaptados \u00e0s suas necessidades, e as empresas criam novos modelos de neg\u00f3cios.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:720,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Na Col\u00f4mbia, ensinar cultura digital parece ser a chave para o sucesso.<\/span><\/b><span data-contrast=\"auto\">\u00a0Al\u00e9m disso, um grande investimento em um sistema tecnol\u00f3gico robusto e o desenvolvimento de\u00a0uma estrutura regulat\u00f3ria s\u00e3o os avan\u00e7os marcantes que apresentam. Embora ainda haja suspeitas sobre o assunto, institui\u00e7\u00f5es p\u00fablicas e privadas t\u00eam grande interesse no sistema. E o que \u00e9 mais importante: elas sabem que devem consolid\u00e1-lo e dar uma resposta maior \u00e0s demandas dos usu\u00e1rios.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:720,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Mas mesmo quando essas quest\u00f5es s\u00e3o fundamentais, tanto para usu\u00e1rios quanto para empresas, existem outras quest\u00f5es. Entre eles a ciberseguran\u00e7a -vital na digitaliza\u00e7\u00e3o financeira-, porque na Col\u00f4mbia os dados s\u00e3o compartilhados com terceiros somente com autoriza\u00e7\u00e3o pr\u00e9via. Teremos que esperar.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:720,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Por outro lado, no Chile, a chegada do\u00a0<\/span><\/b><b><i><span data-contrast=\"auto\">open banking<\/span><\/i><\/b><b><span data-contrast=\"auto\">\u00a0\u00e9 iminente.<\/span><\/b><span data-contrast=\"auto\">\u00a0No entanto, a defini\u00e7\u00e3o das regras e tipos de sistemas ainda n\u00e3o est\u00e1 clara, por isso existem dois aspectos: o primeiro \u00e9 permitir o acesso de terceiros aos dados privados; a segunda, que seja h\u00edbrido.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:720,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">No M\u00e9xico, as empresas Fintech s\u00f3 avaliam as contas banc\u00e1rias dos clientes, enquanto na Europa o acesso e a opera\u00e7\u00e3o se d\u00e3o por meio de dados. Espera-se que no Chile seja\u00a0iniciada uma discuss\u00e3o legislativa para debater v\u00e1rios pontos, entre os quais se destacam a seguran\u00e7a cibern\u00e9tica, a concorr\u00eancia e a inova\u00e7\u00e3o. Como podemos lidar com tudo isso?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:720,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Novos modelos de neg\u00f3cios<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Est\u00e1 claro que a Am\u00e9rica Latina est\u00e1 determinada\u00a0a incorporar ainda mais o\u00a0<\/span><i><span data-contrast=\"auto\">open banking<\/span><\/i><span data-contrast=\"auto\">\u00a0ao seu sistema, e as evid\u00eancias s\u00e3o encorajadoras. Isso vai acelerar a digitaliza\u00e7\u00e3o e abrir as portas para um novo modelo, ajustado \u00e0s necessidades em constante mudan\u00e7a dos clientes.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:720,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Na Microsoft, sabemos que o\u00a0<\/span><i><span data-contrast=\"auto\">open\u00a0banking<\/span><\/i><span data-contrast=\"auto\">\u00a0oferece uma nova experi\u00eancia a todos os usu\u00e1rios e institui\u00e7\u00f5es. Por isso, j\u00e1 oferecemos todo o suporte para que as organiza\u00e7\u00f5es fa\u00e7am parte desta revolu\u00e7\u00e3o de forma extremamente competitiva, aliada \u00e0 seguran\u00e7a, confiabilidade e efici\u00eancia.\u00a0<\/span><span data-contrast=\"none\">Esses mesmos princ\u00edpios s\u00e3o os pilares do Envision, <a href=\"https:\/\/info.microsoft.com\/LA-FIN-WBNR-FY22-09Sep-07-Microsoft-Envision-Brazil-Financial-Sector-SRDEM85377_LP02-On-Demand-Registration---Form-in-Body.html?wt.mc_id=AID3036314_QSG_BLOG_552274\" target=\"_blank\" rel=\"noopener\">um evento que voc\u00ea pode acessar<\/a><\/span><a href=\"https:\/\/info.microsoft.com\/LA-FIN-WBNR-FY22-09Sep-07-Microsoft-Envision-Brazil-Financial-Sector-SRDEM85377_LP02-On-Demand-Registration---Form-in-Body.html?wt.mc_id=AID3036314_QSG_BLOG_552274\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"none\">neste link aqui<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:720,&quot;335559740&quot;:276}\">\u00a0<\/span><\/a><\/p>\n<p><span data-contrast=\"auto\">\u00c9 fundamental conscientizarmos os usu\u00e1rios, e\u00a0<\/span><b><span data-contrast=\"auto\">acreditamos que \u00e9 necess\u00e1rio um grande investimento tecnol\u00f3gico<\/span><\/b><span data-contrast=\"auto\">\u00a0para apoiar as bases e a discuss\u00e3o de regras para seu funcionamento. E a \u00fanica maneira de fazer isso \u00e9 unindo for\u00e7as. Porque o futuro depende de cada um de n\u00f3s. Vamos juntos?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559731&quot;:720,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Para o ambiente competitivo de hoje, os bancos precisam se modernizar para serem \u00e1geis e eficientes o suficiente por meio de dados.<\/p>\n","protected":false},"author":671,"featured_media":8052,"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":[465],"class_list":["post-8046","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-services"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Novos modelos de neg\u00f3cios e inova\u00e7\u00e3o digital: banco aberto na Am\u00e9rica Latina - 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