{"id":11892,"date":"2021-06-28T09:00:00","date_gmt":"2021-06-28T12:00:00","guid":{"rendered":"https:\/\/evertectrends.dev.creativetm.co\/?p=11892"},"modified":"2024-06-20T10:25:05","modified_gmt":"2024-06-20T13:25:05","slug":"tecnologia-bancaria-2021","status":"publish","type":"post","link":"https:\/\/evertectrends.dev.creativetm.co\/pt-br\/tecnologia-bancaria-2021\/","title":{"rendered":"Tecnologia Banc\u00e1ria 2021: Mobile, PIX e Open Banking"},"content":{"rendered":"\n<p><em>* As imagens deste artigo foram retiradas na \u00edntegra da Pesquisa de Tecnologia Banc\u00e1ria 2021 da FEBRABAN.<\/em><\/p>\n<p>A Deloitte e a Federa\u00e7\u00e3o Brasileira de Bancos (FEBRABAN) apresentaram a 29\u00aa edi\u00e7\u00e3o da mais abrangente pesquisa sobre tecnologia banc\u00e1ria do Brasil.\u00a0<\/p>\n<p>O levantamento mapeia as principais estrat\u00e9gias dos bancos para lidar com o impacto da pandemia e se adequar a mudan\u00e7as regulamentares abrangentes, como o Pix e o Open Banking. Tecnologias como intelig\u00eancia artificial, cyber e cloud v\u00eam acelerando a ado\u00e7\u00e3o de uma nova forma de trabalhar, ofertar produtos e se relacionar com os clientes.<\/p>\n<p>Continue a leitura e acompanhe os principais destaques da Pesquisa FEBRABAN de Tecnologia Banc\u00e1ria 2021 (ano-base 2020), divulgada no CIAB FEBRABAN 2021 &#8211; principal evento de tecnologia banc\u00e1ria brasileiro.<\/p>\n<h2>Transa\u00e7\u00f5es Banc\u00e1rias e a Experi\u00eancia dos Clientes<\/h2>\n<p>As transa\u00e7\u00f5es banc\u00e1rias tiveram um crescimento de 20%, o maior dos \u00faltimos anos, e o <span style=\"text-decoration: underline;\"><a href=\"https:\/\/evertectrends.com\/mobile-banking-crescimento-e-os-desafios-para-os-bancos\/\">mobile banking<\/a><\/span> torna-se o canal dominante, representando mais da metade do total das transa\u00e7\u00f5es banc\u00e1rias.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-11894 size-full\" src=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2021\/06\/transacoes-bancarias-2021-1.png\" alt=\"transacoes-bancarias-2021\" width=\"792\" height=\"521\" srcset=\"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-bancarias-2021-1.png 792w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-bancarias-2021-1-300x197.png 300w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-bancarias-2021-1-768x505.png 768w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-bancarias-2021-1-610x401.png 610w\" sizes=\"(max-width: 792px) 100vw, 792px\" \/><\/p>\n<h3>Canais Digitais<\/h3>\n<p>Os canais digitais seguem em expans\u00e3o, enquanto os canais tradicionais perdem espa\u00e7o na composi\u00e7\u00e3o do total de transa\u00e7\u00f5es:<\/p>\n<ul>\n<li>Juntos, os canais digitais (internet banking\u00a0e\u00a0mobile banking) concentram 67% de todas as transa\u00e7\u00f5es (68,7 bilh\u00f5es);<\/li>\n<li>A quantidade de transfer\u00eancias banc\u00e1rias nos canais digitais foi 14 vezes maior que a quantidade dos canais f\u00edsicos;<\/li>\n<li>85% dos <span style=\"text-decoration: underline;\"><a href=\"https:\/\/evertectrends.com\/meios-de-pagamentos-digitais\/\">pagamentos<\/a><\/span> de contas s\u00e3o realizados nos canais digitais, representando 8 em cada 10 pagamentos de contas e 9 em cada 10 contrata\u00e7\u00f5es de cr\u00e9dito;<\/li>\n<li>O ritmo de abertura de contas e relacionamento com clientes pelos meios digitais continua em plena ascens\u00e3o, com 90% de crescimento.<\/li>\n<\/ul>\n<h3>Mobile Banking<\/h3>\n<p>As transa\u00e7\u00f5es com movimenta\u00e7\u00e3o financeira no mobile tiveram um salto de 64% em 2020, impulsionadas pelo contexto da <span style=\"text-decoration: underline;\"><a href=\"https:\/\/evertectrends.com\/digitalizacao-do-mercado-financeiro\/\">pandemia<\/a><\/span> e do aux\u00edlio emergencial. Esse crescimento foi t\u00e3o expressivo que corresponde ao total das transa\u00e7\u00f5es de um canal relevante, como o internet banking.<\/p>\n<p>Al\u00e9m disso, praticamente todos os tipos de transa\u00e7\u00f5es banc\u00e1rias seguem em crescimento no mobile: contrata\u00e7\u00e3o de investimentos (+63%), transfer\u00eancias\/DOC\/TED (+60%), pagamentos de contas (+51%), contrata\u00e7\u00e3o de cr\u00e9dito (+44%).\u00a0<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-11895 size-full\" src=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2021\/06\/transacoes-mobile-e-internet-banking-2021.png\" alt=\"transacoes-mobile-e-internet-banking-2021\" width=\"1211\" height=\"536\" srcset=\"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-mobile-e-internet-banking-2021.png 1211w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-mobile-e-internet-banking-2021-300x133.png 300w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-mobile-e-internet-banking-2021-1024x453.png 1024w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-mobile-e-internet-banking-2021-768x340.png 768w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-mobile-e-internet-banking-2021-610x270.png 610w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-mobile-e-internet-banking-2021-1080x478.png 1080w\" sizes=\"(max-width: 1211px) 100vw, 1211px\" \/><\/p>\n<p>O total de contas ativas no mobile banking mais que dobrou, mesmo sem considerar o efeito do aux\u00edlio emergencial, o crescimento teria sido de 39%.<\/p>\n<p>Seguindo a mesma tend\u00eancia, os clientes heavy users de mobile tamb\u00e9m mais que dobraram em 2020, passando de 35,7 milh\u00f5es em 2019 para 76,3 milh\u00f5es em 2020. Al\u00e9m disso, esses clientes acessam o mobile banking 2,3 vezes mais em rela\u00e7\u00e3o \u00e0 m\u00e9dia de acesso dos demais clientes.<\/p>\n<p>Apesar do mobile banking se consolidar como o principal meio de relacionamento dos bancos com os <span style=\"text-decoration: underline;\"><a href=\"https:\/\/evertectrends.com\/os-novos-consumidores-bancarios-entenda-seu-perfil-e-comportamento\/\">consumidores<\/a><\/span>, a rede de ag\u00eancias mostra a sua import\u00e2ncia nos atendimentos complexos como renegocia\u00e7\u00f5es, c\u00e2mbio e contrata\u00e7\u00f5es de investimento.<\/p>\n<blockquote>\n<h5><strong>Confira neste infogr\u00e1fico um resumo dos principais avan\u00e7os do mobile banking no Brasil,\u00a0<a href=\"https:\/\/materiais.simply.com.br\/infografico-mobile-banking\/\">baixe agora<\/a>.<\/strong><\/h5>\n<\/blockquote>\n<h2>Investimentos em Tecnologia Banc\u00e1ria<\/h2>\n<p>Em 2020 os bancos aumentaram em 8% os investimentos em <span style=\"text-decoration: underline;\"><a href=\"https:\/\/evertectrends.com\/tecnologia-na-retomada-da-economia\/\">tecnologia<\/a><\/span> em rela\u00e7\u00e3o \u00e0 2019, totalizando 25,7 bilh\u00f5es entre despesas (16,8 bilh\u00f5es) e investimentos (8,9 bilh\u00f5es). Isso porque, em um cen\u00e1rio desafiador de pandemia, foi a forma dos bancos de acompanhar a acelera\u00e7\u00e3o da digitaliza\u00e7\u00e3o de seus servi\u00e7os e de seu modo de trabalhar.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-11896 size-full\" src=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2021\/06\/orcamento-tecnologia-2021.png\" alt=\"orcamento-tecnologia-2021\" width=\"710\" height=\"524\" srcset=\"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/orcamento-tecnologia-2021.png 710w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/orcamento-tecnologia-2021-300x221.png 300w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/orcamento-tecnologia-2021-610x450.png 610w\" sizes=\"(max-width: 710px) 100vw, 710px\" \/><\/p>\n<p>Segundo a FEBRABAN, as tecnologias disruptivas ganham ainda mais prioridade nos investimentos em TI:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11897 size-full\" src=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2021\/06\/investimento-tecnologia-2021.png\" alt=\"investimento-tecnologia-2021\" width=\"766\" height=\"502\" srcset=\"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/investimento-tecnologia-2021.png 766w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/investimento-tecnologia-2021-300x197.png 300w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/investimento-tecnologia-2021-610x400.png 610w\" sizes=\"(max-width: 766px) 100vw, 766px\" \/><\/p>\n<p>A <span style=\"text-decoration: underline;\"><a href=\"https:\/\/evertectrends.com\/inteligencia-artificial-no-novo-normal\/\">intelig\u00eancia artificial<\/a><\/span> centrada no atendimento ao cliente continua na pauta dos investimentos em tecnologias disruptivas, mas os processos operacionais como cr\u00e9dito e jur\u00eddico, tamb\u00e9m ganham maior prioridade, conforme abaixo:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11898 size-full\" src=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2021\/06\/investimentos-ia-2021.png\" alt=\"investimentos-ia-2021\" width=\"1202\" height=\"509\" srcset=\"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/investimentos-ia-2021.png 1202w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/investimentos-ia-2021-300x127.png 300w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/investimentos-ia-2021-1024x434.png 1024w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/investimentos-ia-2021-768x325.png 768w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/investimentos-ia-2021-610x258.png 610w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/investimentos-ia-2021-1080x457.png 1080w\" sizes=\"(max-width: 1202px) 100vw, 1202px\" \/><\/p>\n<p>A seguran\u00e7a <span style=\"text-decoration: underline;\"><a href=\"https:\/\/evertectrends.com\/ciberseguranca-tendencias-novo-normal\/\">cibern\u00e9tica<\/a><\/span> tamb\u00e9m aparece como investimento cr\u00edtico para alavancar crescimento escal\u00e1vel, atender \u00e0s novas regulamenta\u00e7\u00f5es e apoiar o trabalho remoto. Segundo a pesquisa, 10% do or\u00e7amento de TI \u00e9 dedicado \u00e0 Cyber em 2020, com o objetivo de garantir transa\u00e7\u00f5es com total <span style=\"text-decoration: underline;\"><a href=\"https:\/\/evertectrends.com\/fraudes-de-identidade-no-brasil\/\">seguran\u00e7a<\/a><\/span> para os brasileiros.\u00a0<\/p>\n<p>\u201cOs resultados de nossa pesquisa, mais uma vez, mostram um investimento maci\u00e7o da ind\u00fastria banc\u00e1ria em tecnologia, usabilidade e oferta de novos servi\u00e7os, em um ano extremamente desafiador, no meio da maior crise de sa\u00fade e com graves consequ\u00eancias econ\u00f4micas no mundo inteiro. Continuamos com uma tecnologia banc\u00e1ria de ponta, inovadora, moderna, segura e acess\u00edvel, o que permitiu que nossos clientes ficassem em casa e sequer precisassem ir aos bancos para pagar suas contas, conferir suas finan\u00e7as, e tocar seus neg\u00f3cios.\u201d &#8211; Isaac Sidney, presidente da FEBRABAN.\u00a0<\/p>\n<h3>Treinamentos de pessoas<\/h3>\n<p>Com as ferramentas de forma\u00e7\u00e3o a dist\u00e2ncia, foi poss\u00edvel treinar mais pessoas com menor custo e maior efici\u00eancia. O n\u00famero de profissionais treinados cresceu 51%, enquanto o valor investido nesses treinamentos diminuiu 50%.<\/p>\n<h2>Pix e Open Banking<\/h2>\n<p>O novo pagamento instant\u00e2neo brasileiro (<span style=\"text-decoration: underline;\"><a href=\"https:\/\/evertectrends.com\/pagamento-instantaneo-pix\/\">Pix<\/a><\/span>), que entrou em vigor em 16 de novembro do ano passado, transformou a jornada do cliente banc\u00e1rio e tem crescente ades\u00e3o. Modernizando ainda mais a ind\u00fastria banc\u00e1ria no Brasil, o crescimento m\u00e9dio mensal nas transa\u00e7\u00f5es Pix foi de 62%, desde o seu lan\u00e7amento at\u00e9 maio de 2021.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11899 size-full\" src=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2021\/06\/pix-2021.png\" alt=\"pix-2021\" width=\"1212\" height=\"529\" srcset=\"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/pix-2021.png 1212w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/pix-2021-300x131.png 300w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/pix-2021-1024x447.png 1024w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/pix-2021-768x335.png 768w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/pix-2021-610x266.png 610w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/pix-2021-1080x471.png 1080w\" sizes=\"(max-width: 1212px) 100vw, 1212px\" \/><\/p>\n<p>Confira mais alguns dados sobre o Pix:<\/p>\n<ul>\n<li>Tr\u00eas em cada quatro transa\u00e7\u00f5es Pix s\u00e3o de pessoa para pessoa;<\/li>\n<li>Duas em cada tr\u00eas transa\u00e7\u00f5es Pix s\u00e3o realizadas por pessoas de 20 a 39 anos;<\/li>\n<li>ampliou significativamente a sua participa\u00e7\u00e3o na composi\u00e7\u00e3o de transa\u00e7\u00f5es banc\u00e1rias, respons\u00e1vel por 30% delas, ganhando espa\u00e7o sobre pagamentos via POS e transfer\u00eancias (DOC\/TED);<\/li>\n<li>As pessoas f\u00edsicas t\u00eam uma ader\u00eancia substancialmente maior ao Pix em compara\u00e7\u00e3o \u00e0s empresas;<\/li>\n<li>519 mil dos 47,6 milh\u00f5es de usu\u00e1rios cadastrados receberam mais de 30 Pix no m\u00eas de mar\u00e7o.<\/li>\n<\/ul>\n<p>Al\u00e9m da implementa\u00e7\u00e3o do PIX, o <a href=\"https:\/\/evertectrends.com\/open-banking-mercado-financeiro\/\"><span style=\"text-decoration: underline;\">Open Bankin<\/span>g<\/a> tamb\u00e9m veio para quebrar paradigmas. Sua chegada promete acelerar ainda mais as alian\u00e7as dos bancos com parceiros (<span style=\"text-decoration: underline;\"><a href=\"https:\/\/evertectrends.com\/fintechs-no-brasil\/\">fintechs<\/a><\/span>, <span style=\"text-decoration: underline;\"><a href=\"https:\/\/evertectrends.com\/big-techs-o-que-sao-e-seu-impacto-no-mercado-financeiro\/\">big techs<\/a><\/span>, varejistas, entre outros) para ampliar a op\u00e7\u00e3o de canais de distribui\u00e7\u00e3o e para agregar novos produtos ao portf\u00f3lio.<\/p>\n<p>No ecossistema de inova\u00e7\u00e3o, 87% dos bancos expandem suas parcerias e investem fortemente em <a href=\"https:\/\/evertectrends.com\/experiencia-o-centro-da-transformacao-digital\/\"><span style=\"text-decoration: underline;\">experi\u00eancia<\/span><\/a> do usu\u00e1rio, priorizando empr\u00e9stimos, meios de pagamento e onboarding de clientes:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-11900 size-full\" src=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2021\/06\/prioridades-estrategicas-2021.png\" alt=\"prioridades-estrategicas-2021\" width=\"1217\" height=\"530\" srcset=\"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/prioridades-estrategicas-2021.png 1217w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/prioridades-estrategicas-2021-300x131.png 300w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/prioridades-estrategicas-2021-1024x446.png 1024w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/prioridades-estrategicas-2021-768x334.png 768w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/prioridades-estrategicas-2021-610x266.png 610w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/prioridades-estrategicas-2021-1080x470.png 1080w\" sizes=\"(max-width: 1217px) 100vw, 1217px\" \/><\/p>\n<p>Por fim, com base na edi\u00e7\u00e3o deste ano vemos, de forma consolidada, que os investimentos em tecnologia e o preparo dos profissionais garantiram a evolu\u00e7\u00e3o dos servi\u00e7os banc\u00e1rios, onde a <a href=\"https:\/\/evertectrends.com\/open-innovation-e-como-aplicar\/\"><span style=\"text-decoration: underline;\">inova\u00e7\u00e3o<\/span><\/a> e as novas tecnologias impactam positivamente a experi\u00eancia dos clientes.<\/p>\n<p>Se voc\u00ea quer sempre ficar por dentro dessas mudan\u00e7as e da Era da Transforma\u00e7\u00e3o Digital, n\u00e3o deixe de acompanhar nosso Blog. Cadastre-se na nossa\u00a0<span style=\"text-decoration: underline;\"><a href=\"https:\/\/materiais.simply.com.br\/opt-in-newsletter\/\">newsletter<\/a>\u00a0<\/span>e receba semanalmente em seu e-mail novidades.<\/p>\n<p>Quer ver a Pesquisa de Tecnologia Banc\u00e1ria 2020 na \u00edntegra?\u00a0<span style=\"text-decoration: underline;\"><a href=\"https:\/\/cmsarquivos.febraban.org.br\/Arquivos\/documentos\/PDF\/pesquisa-febraban-relatorio.pdf\">Clique aqui<\/a><\/span>.<\/p>\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Acompanhe os principais destaques da Pesquisa FEBRABAN de Tecnologia Banc\u00e1ria 2021 (ano-base 2020), divulgada no CIAB 2021.<\/p>\n","protected":false},"author":9,"featured_media":11901,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[998],"tags":[129,125,130,8,18],"class_list":["post-11892","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tech-e-trends","tag-febraban","tag-mobile-banking","tag-pesquisa-febraban","tag-tecnologia","tag-tecnologia-bancaria"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tecnologia Banc\u00e1ria 2021: Mobile, PIX e Open Banking - Evertec Trends<\/title>\n<meta name=\"description\" content=\"Acompanhe os principais destaques da Pesquisa FEBRABAN de Tecnologia Banc\u00e1ria 2021 (ano-base 2020), divulgada no CIAB 2021.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta 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