{"id":4609,"date":"2021-10-29T16:28:22","date_gmt":"2021-10-29T19:28:22","guid":{"rendered":"https:\/\/sinqia.com.br\/?p=4609"},"modified":"2024-05-17T17:29:48","modified_gmt":"2024-05-17T20:29:48","slug":"open-banking-inicia-3a-fase-entenda-as-mudancas-e-como-sera-a-integracao-do-pix-ao-sistema","status":"publish","type":"post","link":"https:\/\/evertectrends.dev.creativetm.co\/pt-br\/open-banking-inicia-3a-fase-entenda-as-mudancas-e-como-sera-a-integracao-do-pix-ao-sistema\/","title":{"rendered":"Open Banking inicia 3\u00aa fase: entenda as mudan\u00e7as e como ser\u00e1 a integra\u00e7\u00e3o do Pix ao sistema"},"content":{"rendered":"\n

Etapa ir\u00e1 flexibilizar a\u00e7\u00f5es de transfer\u00eancias e pagamento, criando novas experi\u00eancias de pagamento.<\/em><\/p>\n\n\n\n

Na esteira do movimento de transforma\u00e7\u00f5es no sistema financeiro mundial, o Banco Central inicia nesta sexta-feira (29), a terceira fase de implementa\u00e7\u00e3o do Open Banking no Brasil. A partir de agora, institui\u00e7\u00f5es financeiras e iniciadores de pagamento est\u00e3o aptas a realizar transa\u00e7\u00f5es via Pix mesmo que n\u00e3o sejam detentoras da conta banc\u00e1ria em si. No futuro, pessoas poder\u00e3o fazer pagamentos e transfer\u00eancias utilizando uma \u00fanica plataforma, sem precisar passar pelo aplicativo do banco que ser\u00e1 debitado. <\/p>\n\n\n\n

Ao inv\u00e9s de usar um QR Code ou copiar e colar a chave de identifica\u00e7\u00e3o da loja, a transa\u00e7\u00e3o com Pix se torna instant\u00e2nea. \u201cA mudan\u00e7a vai possibilitar que no futuro, por exemplo, compradores usem o Pix para pagar lojas virtuais e apps de delivery ou mesmo em redes sociais sem que precisem acessar o app da conta banc\u00e1ria\u201d, explica Thiago Saldanha, CTO da Sinqia. <\/p>\n\n\n\n

Ser\u00e1 preciso informar apenas a chave de identifica\u00e7\u00e3o do pr\u00f3prio Pix para que a empresa emita uma solicita\u00e7\u00e3o de consentimento, que deve ser aceita pelo cliente. \u201c\u00c9 quase como um pagamento com cart\u00e3o de cr\u00e9dito, mas com bem menos obst\u00e1culos\u201d, complementa Saldanha. \u201cAs empresas que t\u00eam autoriza\u00e7\u00e3o para solicitar uma movimenta\u00e7\u00e3o de dinheiro do cliente ganharam a alcunha \u201ciniciador e transa\u00e7\u00e3o de pagamentos\u201d.<\/p>\n\n\n\n

Antes limitada a institui\u00e7\u00f5es financeiras, o termo \u00e9 utilizado para descrever os neg\u00f3cios que intermediam este processo. Para atuar como um Prestador de Inicia\u00e7\u00e3o de Servi\u00e7o de Pagamento (PISP), o neg\u00f3cio precisa atender uma s\u00e9rie de requisitos e receber uma aprova\u00e7\u00e3o do Banco Central. A diminui\u00e7\u00e3o de atritos e burocracias nesta jornada facilitar\u00e1 a realiza\u00e7\u00e3o de pagamentos em e-commerces e outras compras virtuais, por exemplo, o que ajudar\u00e1 a impulsionar um aumento de vendas entre os comerciantes, al\u00e9m de melhorar os n\u00fameros de fideliza\u00e7\u00e3o de uma empresa. <\/p>\n\n\n\n

Mais que isso: a integra\u00e7\u00e3o tamb\u00e9m abre portas para o surgimento de ferramentas de gest\u00e3o financeira mais robustas. \u201cImagine, por exemplo, um aplicativo que re\u00fane todas as suas contas banc\u00e1rias e permite que voc\u00ea realize pagamentos e transfer\u00eancias sem que precise ficar trocando de plataformas\u201d, exemplifica. <\/p>\n\n\n\n

Al\u00e9m da autoriza\u00e7\u00e3o para pagamentos em Pix, outras mudan\u00e7as constituem a fase tr\u00eas do Open Banking, mas elas s\u00f3 entram em vigor no pr\u00f3ximo ano. No dia 15 de fevereiro, os pagamentos com TED e transfer\u00eancias entre contas na mesma institui\u00e7\u00e3o s\u00e3o integrados no sistema. A partir de 30 de junho as regras come\u00e7am a valer para os boletos. No dia 30 de setembro \u00e9 a vez dos pagamentos com d\u00e9bito em conta serem inclu\u00eddos.<\/p>\n\n\n\n

Mercado financeiro mais aberto<\/strong><\/p>\n\n\n\n

A implementa\u00e7\u00e3o desta nova etapa do Open Banking faz parte de um longo processo de transforma\u00e7\u00e3o. Na primeira fase, vigente desde o in\u00edcio do ano, tornou-se obrigat\u00f3rio que as institui\u00e7\u00f5es financeiras compartilhassem os dados dos clientes entre si. Durante a segunda etapa, esta regra se estendeu a empresas que prestam servi\u00e7os banc\u00e1rios, como contas e cart\u00e3o de cr\u00e9dito. <\/p>\n\n\n\n

A quarta fase, prevista para o dia 14 de dezembro, engloba o compartilhamento de informa\u00e7\u00f5es sobre as opera\u00e7\u00f5es financeiras prestadas pela institui\u00e7\u00e3o, como c\u00e2mbio, seguro, investimentos, conta-sal\u00e1rio, credenciamento e previd\u00eancia. Tornam-se p\u00fablicos os dados referentes aos produtos e servi\u00e7os disponibilizados dentro deste escopo, como valor efetivo total (VET), tarifas de credenciamento e taxas de servi\u00e7o. <\/p>\n\n\n\n

O prop\u00f3sito do Open Banking, como um todo, \u00e9 criar um ambiente onde as informa\u00e7\u00f5es dos clientes de institui\u00e7\u00f5es que prestam servi\u00e7os financeiros sejam padronizadas e compartilhadas. O modelo, j\u00e1 adotado em diversos outros pa\u00edses, como o Reino Unido, \u00e9 regulado pelo BC e tem o prop\u00f3sito de aumentar a competitividade, impulsionando essas companhias a oferecer solu\u00e7\u00f5es personalizadas e produtos mais vantajosos \u00e0 popula\u00e7\u00e3o.<\/p>\n\n\n\n

A ideia \u00e9 que os clientes possam receber propostas mais condizentes com as suas necessidades e tenham abertura para negociar melhores taxas, prazos e servi\u00e7os. Uma pessoa pode, por exemplo, ter uma conta banc\u00e1ria em um banco e solicitar um cart\u00e3o de cr\u00e9dito ou um plano de previd\u00eancia em outro sem que precise enfrentar toda a burocracia do cadastro e da gest\u00e3o de plataformas, comuns a procedimentos realizados no sistema financeiro.<\/p>\n\n\n\n

Tudo isso s\u00f3 \u00e9 poss\u00edvel, por\u00e9m, com a autoriza\u00e7\u00e3o expressa do cliente, que pode decidir quais dados compartilhar, com quem e por quanto tempo. O Open Banking \u00e9 o pontap\u00e9 inicial para o Open Finance, em que o compartilhamento de informa\u00e7\u00f5es \u00e9 ainda mais amplo. \u201cAo democratizar o acesso a dados financeiros no Brasil, as institui\u00e7\u00f5es e toda a popula\u00e7\u00e3o conquistam mais liberdade, transpar\u00eancia e seguran\u00e7a de que est\u00e3o tomando as melhores decis\u00f5es para si\u201d, acredita Saldanha,\u00a0 CTO da Sinqia.<\/p>\n\n\n\n

Quer saber mais sobre como o Open Finance ir\u00e1 movimentar o mercado financeiro? Baixe nosso e-book gratuito<\/a>!<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Etapa ir\u00e1 flexibilizar a\u00e7\u00f5es de transfer\u00eancias e pagamento, criando novas experi\u00eancias de pagamento. Na esteira do movimento de transforma\u00e7\u00f5es no sistema financeiro mundial, o Banco Central inicia nesta sexta-feira (29), a terceira fase de implementa\u00e7\u00e3o do Open Banking no Brasil. A partir de agora, institui\u00e7\u00f5es financeiras e iniciadores de pagamento est\u00e3o aptas a realizar transa\u00e7\u00f5es […]<\/p>\n","protected":false},"author":3,"featured_media":45762,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[999],"tags":[52,373],"class_list":["post-4609","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-meios-de-pagamentos","tag-bancos","tag-pagamentos"],"yoast_head":"\nOpen Banking inicia 3\u00aa fase: entenda as mudan\u00e7as e como ser\u00e1 a integra\u00e7\u00e3o do Pix ao sistema - Evertec Trends<\/title>\n<meta name=\"description\" content=\"As tend\u00eancias de tecnologia para inovar com estrat\u00e9gia\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" 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