{"id":1565,"date":"2021-06-25T18:51:00","date_gmt":"2021-06-25T21:51:00","guid":{"rendered":"https:\/\/evertectrends.dev.creativetm.co\/?p=1565"},"modified":"2024-07-01T17:46:50","modified_gmt":"2024-07-01T20:46:50","slug":"como-o-mobile-banking-e-as-fintechs-estao-mudando-habitos-de-consumo","status":"publish","type":"post","link":"https:\/\/evertectrends.dev.creativetm.co\/pt-br\/como-o-mobile-banking-e-as-fintechs-estao-mudando-habitos-de-consumo\/","title":{"rendered":"Como o Mobile Banking e as fintechs est\u00e3o mudando h\u00e1bitos de consumo"},"content":{"rendered":"<p>At\u00e9 pouco tempo atr\u00e1s, as pessoas precisavam ir diretamente aos bancos para resolver seus problemas, ou passar longos per\u00edodos nas filas de atendimento via telefone. Mas, com o Mobile Banking, tudo isso mudou \u2014 e as opera\u00e7\u00f5es passaram a ser mais din\u00e2micas e simples.<\/p>\n<p>Nesse contexto, nasceram as <span style=\"text-decoration: underline\"><a href=\"https:\/\/evertectrends.com\/fintechs-tudo-o-que-voce-precisa-saber-sobre-eles\/\">fintechs<\/a><\/span>, empresas de servi\u00e7os financeiros que s\u00e3o uma alternativa mais simples quando comparadas ao nosso complexo sistema financeiro tradicional. \u00a0Assim como o Mobile Banking, as fintechs chamam cada vez mais a aten\u00e7\u00e3o do Brasil, tamb\u00e9m contribuindo para as mudan\u00e7as nos h\u00e1bitos de consumo. Quer saber mais? Continue a leitura!<!--more--><\/p>\n<h2>Uma op\u00e7\u00e3o mais c\u00f4moda<\/h2>\n<p>Muitas pessoas sentem dor de cabe\u00e7a s\u00f3 de pensar em ir ao banco e, hoje em dia, ningu\u00e9m tem mais tempo dispon\u00edvel para isso. Ainda que os bancos tradicionais tenham melhorado bastante nesse aspecto, a grande maioria da popula\u00e7\u00e3o n\u00e3o est\u00e1 totalmente satisfeita\u00a0com os servi\u00e7os oferecidos e com as altas taxas cobradas pelos mesmos.<\/p>\n<p>J\u00e1 as fintechs s\u00e3o empresas virtuais que oferecem servi\u00e7os na maioria das vezes via\u00a0Mobile Banking, de forma a resolver todos os seus problemas de forma virtual e direta \u2014 at\u00e9 mesmo na hora de pedir empr\u00e9stimos, j\u00e1 que toda a an\u00e1lise \u00e9 feita de forma online. Simples assim!<\/p>\n<p>E apesar dos bancos tradicionais estarem se adequando a esse novo tipo de tecnologia, ainda t\u00eam muito para evoluir com a constante press\u00e3o nesse mercado. Uma op\u00e7\u00e3o para os bancos \u00e9 a utiliza\u00e7\u00e3o da terceiriza\u00e7\u00e3o. No artigo &#8221; Tecnologia para Bancos: Por que terceirizar?&#8221; abordamos os benef\u00edcios na contrata\u00e7\u00e3o de uma tecnologia inovadora que possibilita a automa\u00e7\u00e3o e <a href=\"https:\/\/simply.com.br\/analise-eletronica-documentos-atomics\/\">redu\u00e7\u00e3o de custos<\/a> nas opera\u00e7\u00f5es.<\/p>\n<h2>A inova\u00e7\u00e3o do Mobile Banking<\/h2>\n<p>As fintechs est\u00e3o caindo no gosto do p\u00fablico que gosta de tecnologia, j\u00e1 que oferecem uma experi\u00eancia mais alinhada com as suas expectativas. Al\u00e9m disso, elas oferecem produtos e servi\u00e7os com pre\u00e7os menores \u2014 j\u00e1 que possuem uma estrutura enxuta e n\u00e3o t\u00eam os custos fixos de uma ag\u00eancia banc\u00e1ria comum. Isso agrada especialmente ao p\u00fablico jovem, que vive com o smartphone na m\u00e3o e gosta dessas facilidades.<\/p>\n<p>Dados da \u00faltima pesquisa divulgada, a <a href=\"https:\/\/evertectrends.com\/tecnologia-bancaria-2021\/\">pesquisa FEBRABAN<\/a> de tecnologia banc\u00e1ria 2021, o mobile banking se consolidou como se o canal dominante, respons\u00e1vel por mais da metade das transa\u00e7\u00f5es banc\u00e1rias, representando 51% das transa\u00e7\u00f5es totais. Ainda segundo resultados da pesquisa, as transa\u00e7\u00f5es realizadas por este canal cresceram <strong>20% em 2020, com incremento de 43% nas transa\u00e7\u00f5es com movimenta\u00e7\u00e3o financeira<\/strong>. Al\u00e9m disso, um cliente <em>Heavy Users <\/em>acessam o mobile banking 2,3 vezes mais em rela\u00e7\u00e3o \u00e0 m\u00e9dia de acesso dos demais clientes<em>.<\/em><\/p>\n<p><strong>Criamos este<span style=\"text-decoration: underline\"> <a href=\"https:\/\/materiais.simply.com.br\/infografico-mobile-banking\/\">infogr\u00e1fico<\/a> <\/span>com o resumo dos principais avan\u00e7os do mobile banking no Brasil, baixe agora.<\/strong><\/p>\n<blockquote>\n<p>Para Fernando Kontopp, do Ita\u00fa Unibanco, os clientes passar\u00e3o a usar com mais frequ\u00eancia os canais digitais daqui para frente:\u00a0<em>\u201cVerificamos que a ades\u00e3o tem sido bastante grande. Clientes que eventualmente n\u00e3o estavam t\u00e3o confort\u00e1veis ou n\u00e3o tinham o h\u00e1bito de utilizar esses canais, passaram a fazer uso de internet banking ou mobile banking. Como oferecemos uma experi\u00eancia muito boa e segura para os clientes, acreditamos que uma vez que comecem a usar esses canais, eles adotar\u00e3o esses novos h\u00e1bitos\u201d<\/em>.<\/p>\n<\/blockquote>\n<p><img fetchpriority=\"high\" 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<h2>As mudan\u00e7as causadas pela tecnologia<\/h2>\n<p>O jogo est\u00e1 mudando, e os bancos est\u00e3o a perder clientes devido ao seu excesso de burocracia. <u>Bitcoins<\/u>, Nubank, empr\u00e9stimos peer-to-peer e crowdfunding, entre outros termos, eram estrat\u00e9gias nunca antes cogitadas pelos bancos tradicionais \u2014 mas que a plataforma online oferece com muito mais facilidade para o cliente, atrav\u00e9s do Mobile Banking.<\/p>\n<p>Os bancos tradicionais ter\u00e3o, obrigatoriamente, de mudar a rela\u00e7\u00e3o com seus consumidores, pois a tend\u00eancia das fintechs \u00e9 de cont\u00ednuo crescimento. \u00c9 poss\u00edvel que os bancos maiores comprem algumas dessas empresas, ou tomem a iniciativa de fazer uma mudan\u00e7a em sua estrutura de trabalho, para que n\u00e3o haja uma fuga de clientes. O fato \u00e9 que alguma <u>mudan\u00e7a<\/u> precisa e j\u00e1 est\u00e1 acontecendo.<\/p>\n<p>No Reino Unido, o Santander criou um fundo de investimento para estas startups. No Brasil, o Bradesco criou a InovaBRA, programa que apoia e seleciona startups para desenvolvimento. O Ita\u00fa inaugurou um espa\u00e7o de coworking para startups inovadoras. Confira o artigo &#8221;\u00a0<a href=\"https:\/\/evertectrends.com\/fintechs-tudo-o-que-voce-precisa-saber-sobre-eles\/\">Fintechs: tudo o que voc\u00ea precisa saber sobre eles<\/a> &#8221; e leia sobre como os bancos est\u00e3o reagindo \u00e0s novas Fintechs.<\/p>\n<h2>Os servi\u00e7os diferenciados da tecnologia<\/h2>\n<p>Nas novas startups, os empr\u00e9stimos s\u00e3o mais baratos, os prazos s\u00e3o melhores e os temidos juros, bem menores. Isso atrai bastante pessoas de todas as camadas da popula\u00e7\u00e3o, j\u00e1 que ningu\u00e9m mais tem tempo nem paci\u00eancia para lidar com os bancos tradicionais.<\/p>\n<p>Venda de seguros, an\u00e1lise de empr\u00e9stimos, pagamentos online, dentre outras opera\u00e7\u00f5es financeiras b\u00e1sicas, n\u00e3o s\u00e3o mais tarefas exclusivas dos bancos. Esse princ\u00edpio vem sendo levado a s\u00e9rio pelas fintechs, que personalizam os investimentos e informa\u00e7\u00f5es de uma pessoa em uma carteira digital \u2014 o que agrada bastante o p\u00fablico, que consegue ter acesso f\u00e1cil e detalhado a seus saldos, possibilidades de empr\u00e9stimos,\u00a0entre outros servi\u00e7os.<\/p>\n<p>A Simply, empresa de tecnologia com foco em Institui\u00e7\u00f5es Financeiras, realizou o 1\u00b0 Hackathon com foco em aplicativos de captura.\u00a0Todos mostraram novas ideias, modelos de neg\u00f3cio e a aplica\u00e7\u00e3o de tend\u00eancias como\u00a0Blockchain e m\u00eddias sociais\u00a0para um aplicativo. Conhe\u00e7a uma <a href=\"https:\/\/simply.com.br\/captura-de-dados-e-documentos\/\" target=\"_blank\" rel=\"noopener noreferrer\">Captura SEM APP<\/a>.<\/p>\n<p>E voc\u00ea, j\u00e1 tinha ouvido falar nas fintechs e da sua rela\u00e7\u00e3o com o Mobile Banking? Gostou da facilidade que elas oferecem aos seus consumidores, com uma menor burocracia? Se tiver outras d\u00favidas ou sugest\u00f5es sobre o assunto, deixe seu coment\u00e1rio e participe da conversa!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>At\u00e9 pouco tempo atr\u00e1s, as pessoas precisavam ir diretamente aos bancos para resolver seus problemas, ou passar longos per\u00edodos nas filas de atendimento via telefone. Mas, com o Mobile Banking, tudo isso mudou \u2014 e as opera\u00e7\u00f5es passaram a ser mais din\u00e2micas e simples. Nesse contexto, nasceram as fintechs, empresas de servi\u00e7os financeiros que s\u00e3o [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":43857,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[998],"tags":[4,52,249,250,26,251,8],"class_list":["post-1565","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tech-e-trends","tag-automacao","tag-bancos","tag-banking","tag-fintechs-en","tag-fintechs","tag-mobile","tag-tecnologia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Como o Mobile Banking e as fintechs est\u00e3o mudando h\u00e1bitos de consumo<\/title>\n<meta name=\"description\" content=\"Assim como o Mobile Banking, as fintechs chamam cada vez mais a aten\u00e7\u00e3o do Brasil, tamb\u00e9m contribuindo para as mudan\u00e7as nos h\u00e1bitos de consumo. 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