{"id":5686,"date":"2023-03-16T11:46:42","date_gmt":"2023-03-16T14:46:42","guid":{"rendered":"https:\/\/sinqia.com.br\/?p=5686"},"modified":"2024-05-17T17:08:15","modified_gmt":"2024-05-17T20:08:15","slug":"open-finance-2","status":"publish","type":"post","link":"https:\/\/evertectrends.dev.creativetm.co\/pt-br\/open-finance-2\/","title":{"rendered":"2 anos de Open Finance: conquistas, desafios e o que vem pela frente"},"content":{"rendered":"\n<p>O <strong>Open Finance<\/strong> completou 2 anos em fevereiro de 2023 com a marca de 17,3 milh\u00f5es de consentimentos de clientes para o compartilhamento de seus dados pessoais e banc\u00e1rios entre diferentes institui\u00e7\u00f5es financeiras.<\/p>\n\n\n\n<p>Segundo levantamento realizado pela Federa\u00e7\u00e3o Brasileira de Bancos (Febraban), foram contabilizados 10,8 bilh\u00f5es de comunica\u00e7\u00f5es entre as institui\u00e7\u00f5es integrantes do ecossistema, que nasceu justamente para permitir o <strong>compartilhamento de dados pessoais e banc\u00e1rios<\/strong> entre institui\u00e7\u00f5es, mediante autoriza\u00e7\u00e3o.<\/p>\n\n\n\n<p>O Open Finance \u00e9 uma iniciativa do Banco Central que defende um <strong>sistema financeiro aberto<\/strong>, ou seja, com mais transpar\u00eancia entre as diversas institui\u00e7\u00f5es, seus produtos e servi\u00e7os.<\/p>\n\n\n\n<p>Confira, a seguir, as principais conquistas, desafios e expectativas relacionadas ao Open Finance no Brasil.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2 anos de Open Finance: conquistas<\/strong><\/h2>\n\n\n\n<p>Segundo o Banco Central, o Open Finance \u00e9 um projeto de m\u00e9dio a longo prazo e representa uma mudan\u00e7a definitiva na forma como o consumidor se relaciona com o <strong>Sistema Financeiro<\/strong>.<\/p>\n\n\n\n<p>Al\u00e9m de reduzir a assimetria de informa\u00e7\u00f5es e promover a concorr\u00eancia entre as institui\u00e7\u00f5es financeiras, o Open Finance busca tornar o setor mais eficiente e com melhores benef\u00edcios ao consumidor final.<\/p>\n\n\n\n<p>Ainda segundo dados da Febraban, nesses 2 anos de Open Finance, 45 produtos e servi\u00e7os j\u00e1 foram oferecidos aos clientes. Entre eles, podemos citar agregadores financeiros, para inicia\u00e7\u00e3o de pagamentos, solu\u00e7\u00f5es para ofertar melhores propostas de cr\u00e9dito, e servi\u00e7os voltados para cashbacks e tarifas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Brasil lidera ranking<\/strong><\/h3>\n\n\n\n<p>O Brasil, inclusive, tem se destacado no compartilhamento de dados. <a>Segundo o Estudo Global Open Finance Index, desenvolvido pela Open Banking Excellence (OBE) em parceria com a Universidade de Oxford, a estimativa \u00e9 que o pa\u00eds ultrapasse o Reino Unido, primeiro no Open Banking e em sistema financeiro aberto, ainda em 2023.<\/a><\/p>\n\n\n\n<p>Para se ter uma ideia, o Brasil tinha cinco milh\u00f5es de contas conectadas no fim da primeira fase de implementa\u00e7\u00e3o do sistema, atingindo a marca em um quinto do tempo que levou o Reino Unido.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2 anos de Open Finance: Desafios<\/strong><\/h2>\n\n\n\n<p>Para a Febraban, o trabalho realizado nos dois primeiros anos de Open Finance est\u00e1 dentro do esperado pelo setor, dada a complexidade do projeto.<\/p>\n\n\n\n<p>Para 2023, no entanto, o setor espera ainda mais evolu\u00e7\u00f5es e melhorias, principalmente no que se refere \u00e0 qualidade dos dados e lan\u00e7amentos de novas especifica\u00e7\u00f5es, protocolos e funcionalidades que possibilitem uma melhor experi\u00eancia do usu\u00e1rio nas institui\u00e7\u00f5es financeiras do Brasil.<\/p>\n\n\n\n<p>Al\u00e9m disso, cerca de 60% dos brasileiros ainda n\u00e3o t\u00eam conhecimento sobre esse sistema financeiro, segundo levantamento feito em outubro de 2022 pela Provu. No entanto, ao serem explicados sobre o que \u00e9 o Open Finance, 84% disseram que acham ben\u00e9fico aderir a ele.<\/p>\n\n\n\n<p>Dessa forma, divulgar mais informa\u00e7\u00f5es sobre o sistema financeiro aberto far\u00e1 com que as pessoas percebam seus benef\u00edcios e as implica\u00e7\u00f5es do Open Finance no dia a dia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2 anos de Open Finance: O que vem pela frente<\/strong><\/h2>\n\n\n\n<p>Atualmente, o foco do Banco Central (BC) est\u00e1 na fase 4 do projeto de implementa\u00e7\u00e3o do Open Finance, que junta outros participantes e reguladores fora do sistema banc\u00e1rio, englobando <a href=\"https:\/\/sinqia.com.br\/2021\/12\/03\/open-finance-as-solucoes-da-sinqia-e-techrules-para-elevar-a-produtividade-na-gestao-de-investimentos\/\">investimentos<\/a>, seguros, <a href=\"https:\/\/sinqia.com.br\/2022\/06\/30\/startups-de-open-finance-sao-selecionadas-para-o-desafio-de-inovacao-do-torq\/\">previd\u00eancia<\/a> e c\u00e2mbio.<\/p>\n\n\n\n<p>O BC espera promover melhorias na jornada de compartilhamento de dados e de inicia\u00e7\u00e3o de pagamento ainda este ano. Al\u00e9m disso, a entidade buscar\u00e1 implementar funcionalidades voltadas ao p\u00fablico empresarial.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Institui\u00e7\u00f5es se adaptam \u00e0s inova\u00e7\u00f5es<\/strong><\/h3>\n\n\n\n<p>O Open Finance possibilita um universo onde as opera\u00e7\u00f5es s\u00e3o mais baratas, a tecnologia est\u00e1 no centro do neg\u00f3cio e a experi\u00eancia do cliente \u00e9 determinante para o sucesso das solu\u00e7\u00f5es.<\/p>\n\n\n\n<p>Por isso, empresas de diversos segmentos, mesmo as que n\u00e3o t\u00eam rela\u00e7\u00e3o direta com o setor, t\u00eam <a href=\"https:\/\/sinqia.com.br\/2022\/09\/30\/solucoes-open-finance\/\">aproveitado as oportunidades criadas pela tecnologia<\/a>. De acordo com a pesquisa Fintech Deep Dive 2022, 72% das fintechs no Brasil est\u00e3o desenvolvendo solu\u00e7\u00f5es baseadas nas inova\u00e7\u00f5es promovidas pelo Pix ou pelo Open Banking (considerado o est\u00e1gio inicial do Open Finance).<\/p>\n\n\n\n<p>O Open Finance hoje ocupa um espa\u00e7o obrigat\u00f3rio na <a href=\"https:\/\/sinqia.com.br\/2021\/08\/11\/revolucao-do-open-finance-exige-agilidade-de-players-financeiros\/\">estrat\u00e9gia de empresas ligadas ao mercado financeiro<\/a>. O Open Finance hoje ocupa um espa\u00e7o obrigat\u00f3rio na <a href=\"https:\/\/sinqia.com.br\/2021\/08\/11\/revolucao-do-open-finance-exige-agilidade-de-players-financeiros\/\">estrat\u00e9gia de empresas ligadas ao mercado financeiro<\/a>. Desde o in\u00edcio da implementa\u00e7\u00e3o do sistema, a Sinqia j\u00e1 estudava o mercado para atender \u00e0s institui\u00e7\u00f5es que planejam aproveitar as possibilidades dessa inova\u00e7\u00e3o.<\/p>\n\n\n\n<p>A Sinqia vem desenvolvendo adapta\u00e7\u00f5es constantes em seus sistemas para disponibilizar as informa\u00e7\u00f5es necess\u00e1rias para uma integra\u00e7\u00e3o nativa com as solu\u00e7\u00f5es de <strong>Open Finance<\/strong> que os clientes escolherem. Quer aproveitar o cen\u00e1rio de inova\u00e7\u00f5es para transformar sua empresa? <a href=\"https:\/\/sinqia.com.br\/2023\/02\/14\/tendencias-tecnologia\/\">Entre em contato com os nossos especialistas<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O Open Finance completou 2 anos em fevereiro de 2023 com a marca de 17,3 milh\u00f5es de consentimentos de clientes para o compartilhamento de seus dados pessoais e banc\u00e1rios entre diferentes institui\u00e7\u00f5es financeiras. Segundo levantamento realizado pela Federa\u00e7\u00e3o Brasileira de Bancos (Febraban), foram contabilizados 10,8 bilh\u00f5es de comunica\u00e7\u00f5es entre as institui\u00e7\u00f5es integrantes do ecossistema, que [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":45840,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[998],"tags":[291],"class_list":["post-5686","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tech-e-trends","tag-open-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2 anos de Open Finance: conquistas, desafios e o que vem pela frente - Evertec Trends<\/title>\n<meta name=\"description\" content=\"O Open Finance \u00e9 um ecossistema que permite o compartilhamento de dados pessoais e banc\u00e1rios entre institui\u00e7\u00f5es. 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