{"id":1831,"date":"2021-06-25T19:20:00","date_gmt":"2021-06-25T22:20:00","guid":{"rendered":"https:\/\/evertectrends.dev.creativetm.co\/?p=1831"},"modified":"2024-07-02T18:10:39","modified_gmt":"2024-07-02T21:10:39","slug":"mobile-banking-crescimento-e-os-desafios-para-os-bancos","status":"publish","type":"post","link":"https:\/\/evertectrends.dev.creativetm.co\/pt-br\/mobile-banking-crescimento-e-os-desafios-para-os-bancos\/","title":{"rendered":"Mobile banking: Crescimento e os desafios para os bancos"},"content":{"rendered":"<p>A <span style=\"text-decoration: underline\"><a href=\"https:\/\/cmsarquivos.febraban.org.br\/Arquivos\/documentos\/PDF\/pesquisa-febraban-relatorio.pdf\">Pesquisa<\/a><\/span> FEBRABAN de Tecnologia Banc\u00e1ria 2021, conduzida pela Deloitte, demonstrou o crescimento do mobile banking no pa\u00eds. O n\u00famero de transa\u00e7\u00f5es realizadas pelo mobile banking saltou de 37 bilh\u00f5es em 2019 para 52,9 bilh\u00f5es em 2020 \u2013 um aumento de 20% no per\u00edodo analisado.<\/p>\n<p>A Febraban afirma que com o contexto da pandemia e do aux\u00edlio emergencial o crescimento do mobile banking foi t\u00e3o expressivo que corresponde ao total das transa\u00e7\u00f5es de um canal relevante, como o internet banking.<\/p>\n<p>O mobile banking \u00e9, portanto, uma realidade da chamada Era da Transforma\u00e7\u00e3o Digital, que vem transformando tamb\u00e9m as <span style=\"text-decoration: underline\">opera\u00e7\u00f5es dos bancos<\/span>. Ele oferece in\u00fameros benef\u00edcios para o setor banc\u00e1rio, mas tamb\u00e9m traz grandes desafios. E \u00e9 justamente sobre isso que vamos conversar neste artigo. Continue lendo!<!--more--><\/p>\n<h2>O que \u00e9 mobile banking e como ele est\u00e1 revolucionando o setor banc\u00e1rio no Brasil?<\/h2>\n<p>Basicamente, o termo <span style=\"text-decoration: underline\"><a href=\"https:\/\/evertectrends.com\/mobile-bank-entenda-mais-sobre-o-assunto\/\">mobile banking<\/a><\/span> refere-se ao uso de um smartphone ou outro dispositivo m\u00f3vel para realizar tarefas banc\u00e1rias que normalmente s\u00f3 podiam ser feitas nas ag\u00eancias ou por meio do computador pessoal. \u00c9 tamb\u00e9m como s\u00e3o chamados os servi\u00e7os on-line que os bancos oferecem aos seus clientes, tais como monitoramento de saldos da conta corrente, transfer\u00eancia de fundos entre contas, pagamento de faturas, entre outros.<\/p>\n<p>O mobile banking est\u00e1 mudando a forma com que as pessoas lidam com os bancos no pa\u00eds. Se olharmos para o pool de canais que os bancos brasileiros oferecem, vemos que as <strong>transa\u00e7\u00f5es com movimenta\u00e7\u00f5es financeiras<\/strong> <strong>no Mobile Banking cresceram 64%<\/strong>, enquanto Internet Banking apresenta leve queda de 5%. J\u00e1 as <strong>opera\u00e7\u00f5es sem movimenta\u00e7\u00e3o financeira migraram para os ATMs e para o Internet Banking <\/strong>, enquanto as ag\u00eancias banc\u00e1rias mant\u00eam a composi\u00e7\u00e3o.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-11912 size-full\" src=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2021\/06\/transacoes-2021.png\" alt=\"transacoes-2021\" width=\"1229\" height=\"535\" srcset=\"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-2021.png 1229w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-2021-300x131.png 300w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-2021-1024x446.png 1024w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-2021-768x334.png 768w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-2021-610x266.png 610w, https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2021\/06\/transacoes-2021-1080x470.png 1080w\" sizes=\"(max-width: 1229px) 100vw, 1229px\" \/><\/p>\n<p>Para acrescentar ainda mais dados que ilustram essa nova realidade e contextualiz\u00e1-la com o que est\u00e1 acontecendo em todo o mundo, <strong>verifique os dados de transa\u00e7\u00f5es banc\u00e1rias feitas via mobile banking por ano,<\/strong> de acordo com a <span style=\"text-decoration: underline\"><a href=\"https:\/\/evertectrends.com\/tecnologia-bancaria-2021\/\">Pesquisa de Tecnologia Banc\u00e1ria da FEBRABAN<\/a><\/span>:<\/p>\n<ul>\n<li>2016: R$18,6 bilh\u00f5es;<\/li>\n<li>2017: R$25,3 bilh\u00f5es;<\/li>\n<li>2018: R$33,1 bilh\u00f5es;<\/li>\n<li>2019: R$37 bilh\u00f5es;<\/li>\n<li><strong>2020: R$52,9 bilh\u00f5es.<\/strong><\/li>\n<\/ul>\n<p>Do ponto de vista dos banqueiros, o mobile banking traz in\u00fameras vantagens. De redu\u00e7\u00e3o de custos \u00e0 melhoria na experi\u00eancia do cliente, passando por rapidez nas transa\u00e7\u00f5es, possibilidade de melhor segmenta\u00e7\u00e3o e an\u00e1lises preditivas (<span style=\"text-decoration: underline\">Big Data<\/span>) para oferecer produtos e servi\u00e7os cada vez mais personalizados e aderentes.<\/p>\n<p>J\u00e1 para os clientes, pessoas f\u00edsicas e jur\u00eddicas, o mobile banking oferece a comodidade de realizar transa\u00e7\u00f5es banc\u00e1rias a qualquer hora e em qualquer lugar onde haja conex\u00e3o com a internet. Traz, portanto, ganho de tempo e tamb\u00e9m facilita a realiza\u00e7\u00e3o de neg\u00f3cios em poucos cliques.<\/p>\n<blockquote>\n<p><strong>Confira neste infogr\u00e1fico um resumo dos principais avan\u00e7os do mobile banking no Brasil,\u00a0<span style=\"text-decoration: underline\"><a href=\"https:\/\/materiais.simply.com.br\/infografico-mobile-banking\/\">baixe agora<\/a><\/span>.<\/strong><\/p>\n<\/blockquote>\n<h2>Quais s\u00e3o os desafios enfrentados pelos bancos com o mobile banking?<\/h2>\n<p>Apesar de todos os benef\u00edcios, o mobile banking tamb\u00e9m traz desafios para os bancos. Tanto \u00e9 que ele \u00e9 um dos assuntos mais discutidos em eventos de tecnologia para o setor banc\u00e1rio em todo o mundo.<\/p>\n<p>A seguir, conhe\u00e7a quais s\u00e3o as principais preocupa\u00e7\u00f5es dos executivos do setor banc\u00e1rio em rela\u00e7\u00e3o ao mobile banking.<\/p>\n<h3>Transformar o mobile banking em um canal transacional<\/h3>\n<p>Em 2020, os canais digitais seguem em expans\u00e3o, concentrando 67% de todas as transa\u00e7\u00f5es (68,7 bilh\u00f5es). Segundo Isaac Sidney, presidente da FEBRABAN:<\/p>\n<blockquote>\n<p><em>&#8220;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\u00a0\u00a0<\/em><\/p>\n<\/blockquote>\n<p>Agora, <span style=\"text-decoration: underline\"><a href=\"https:\/\/evertectrends.com\/os-novos-consumidores-bancarios-entenda-seu-perfil-e-comportamento\/\">novos h\u00e1bitos dos consumidores<\/a><\/span> est\u00e3o fazendo com que os principais bancos em opera\u00e7\u00e3o no pa\u00eds se esforcem para elevar o n\u00famero de vendas de produtos e servi\u00e7os via mobile banking. Tamb\u00e9m o n\u00famero crescente de startups e <span style=\"text-decoration: underline\"><a href=\"https:\/\/evertectrends.com\/revolucao-das-fintechs-ameaca-ou-oportunidade-para-os-bancos\/\">fintechs<\/a><\/span> que surgem a cada dia contribui para que a inova\u00e7\u00e3o digital seja fomentada no setor banc\u00e1rio.<\/p>\n<h3>Melhorar a usabilidade das aplica\u00e7\u00f5es mobile<\/h3>\n<p>Somente a cria\u00e7\u00e3o de servi\u00e7os via mobile banking n\u00e3o \u00e9 suficiente para o sucesso. Um dos grandes desafios do setor banc\u00e1rio neste momento \u00e9 melhorar a usabilidade das aplica\u00e7\u00f5es m\u00f3veis, j\u00e1 que o consumidor precisa se sentir seguro e ver simplicidade no uso das ferramentas.<\/p>\n<p>E h\u00e1 in\u00fameras iniciativas nesse sentido. Uma delas vem do alem\u00e3o Deutsche Bank, que desde 2014 promove a <span style=\"text-decoration: underline\"><a href=\"http:\/\/www.designboom.com\/competition\/deutsche-bank-future-banking\/\">Future Banking<\/a><\/span>, uma competi\u00e7\u00e3o internacional na qual profissionais de design, finan\u00e7as e outras \u00e1reas relacionadas podem propor solu\u00e7\u00f5es de user experience (UX, experi\u00eancia do usu\u00e1rio) para tornar os servi\u00e7os e aplicativos mais amig\u00e1veis e efetivos.\u00a0No artigo sobre a <span style=\"text-decoration: underline\">experi\u00eancia do cliente<\/span>, \u00a0abordamos a import\u00e2ncia deste conceito nos servi\u00e7os financeiros.<\/p>\n<h3>Lidar com as amea\u00e7as \u00e0 seguran\u00e7a da informa\u00e7\u00e3o<\/h3>\n<p>H\u00e1 tamb\u00e9m o desafio da seguran\u00e7a dos dados banc\u00e1rios, tanto para o consumidor que est\u00e1 acessando sua conta por meio do dispositivo m\u00f3vel quanto para o banqueiro.<\/p>\n<p>De acordo com um levantamento feito pela ESET, hoje o Brasil \u00e9 l\u00edder no mundo em trojans banc\u00e1rios \u2013\u00a0os famosos v\u00edrus \u201ccavalos de Troia\u201d, que s\u00e3o instalados sem que os usu\u00e1rios percebam e silenciosamente roubam dados de transa\u00e7\u00f5es financeiras.<\/p>\n<p>Outro <span style=\"text-decoration: underline\"><a href=\"http:\/\/www.kaspersky.com\/about\/news\/virus\/2016\/The_Volume_of_New_Mobile_Malware_Tripled_in_2015\">estudo<\/a><\/span>, realizado pelo grupo de pesquisa antimalware da Kaspersky Lab, aponta que em 2015 os dispositivos m\u00f3veis foram alvo de um aumento significativo no n\u00famero de ataques do tipo ransomware \u2013\u00a0v\u00edrus que sequestra o sistema operacional ao criptografar os artigos para que o hacker, em seguida, solicite\u00a0um resgate.<\/p>\n<p>Por ser de dif\u00edcil monitoramento, o acesso mobile tende a sofrer amea\u00e7as constantes at\u00e9 que toda a popula\u00e7\u00e3o seja devidamente educada para lidar com as amea\u00e7as. Assim, cabe aos bancos trabalhar para garantir seguran\u00e7a de ponta a ponta, j\u00e1 que cada usu\u00e1rio \u00e9 uma poss\u00edvel v\u00edtima, ao mesmo tempo que \u00e9 um gerador de vulnerabilidades em potencial.<\/p>\n<p>Como o seu banco tem atuado em rela\u00e7\u00e3o ao mobile banking? Deixe um coment\u00e1rio e divida conosco a sua experi\u00eancia.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O mobile banking j\u00e1 representa mais da metade do total das transa\u00e7\u00f5es banc\u00e1rias. Acompanhe os in\u00fameros benef\u00edcios que ele oferece para o setor banc\u00e1rio e os desafios.<\/p>\n","protected":false},"author":9,"featured_media":43867,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[998],"tags":[52,129,749,125,225,218,253],"class_list":["post-1831","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tech-e-trends","tag-bancos","tag-febraban","tag-fundos","tag-mobile-banking","tag-seguranca-da-informacao","tag-setor-bancario","tag-solucoes-digitais"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mobile banking: Crescimento e os desafios para os bancos<\/title>\n<meta name=\"description\" content=\"Acompanhe os in\u00fameros benef\u00edcios que o mobile banking, consolidado como principal canal digital, oferece para o setor banc\u00e1rio e os 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