{"id":6398,"date":"2023-12-11T18:16:20","date_gmt":"2023-12-11T21:16:20","guid":{"rendered":"https:\/\/sinqia.com.br\/?p=6398"},"modified":"2024-07-16T09:15:25","modified_gmt":"2024-07-16T12:15:25","slug":"tendencias-open-finance","status":"publish","type":"post","link":"https:\/\/evertectrends.dev.creativetm.co\/pt-br\/tendencias-open-finance\/","title":{"rendered":"Tend\u00eancias em Open Finance: o que esperar para 2024?"},"content":{"rendered":"

Com o prop\u00f3sito de modernizar as transa\u00e7\u00f5es financeiras, proporcionando maior agilidade e facilitando o acesso a produtos e servi\u00e7os financeiros, o Banco Central criou o Open Finance<\/strong><\/a>. Desde ent\u00e3o, esse ecossistema de compartilhamento de dados entre as institui\u00e7\u00f5es financeiras passou por diversas evolu\u00e7\u00f5es tecnol\u00f3gicas que aprimoraram ainda mais a experi\u00eancia dos clientes.<\/p>\n

Contudo, com a transforma\u00e7\u00e3o digital impulsionando cada vez mais o setor financeiro, a tend\u00eancia \u00e9 que a evolu\u00e7\u00e3o do Open Finance no Brasil<\/strong> ganhe ainda mais for\u00e7a, oferecendo novas oportunidades no futuro. Mas o que esperar do Open Finance<\/strong> em 2024 e nos pr\u00f3ximos anos? Quais s\u00e3o os benef\u00edcios e novidades que esse conceito pode proporcionar para as institui\u00e7\u00f5es e usu\u00e1rios?<\/p>\n

Neste artigo, explicamos o funcionamento do Open Finance<\/strong> e como a tecnologia vem redefinindo experi\u00eancias nas transa\u00e7\u00f5es financeiras. Al\u00e9m disso, descubra o que estar\u00e1 em alta para os pr\u00f3ximos anos em termos de inova\u00e7\u00e3o envolvendo esse conceito. Confira!<\/p>\n

Open Finance redefine a experi\u00eancia nas transa\u00e7\u00f5es financeiras<\/strong><\/h2>\n

Desde que come\u00e7ou a ser implementado no Brasil, em mar\u00e7o de 2024, o Open Finance vem transformando experi\u00eancias no acesso aos servi\u00e7os financeiros. At\u00e9 ent\u00e3o, o sistema financeiro aberto j\u00e1 registrou mais de 41,8 milh\u00f5es de consentimentos ativos, segundo dados do Banco Central.<\/p>\n

Sua abrang\u00eancia no compartilhamento de dados permite que bancos, fintechs e outras institui\u00e7\u00f5es financeiras personalizem seus produtos e servi\u00e7os de maneira inteligente, garantindo uma experi\u00eancia mais satisfat\u00f3ria e confi\u00e1vel aos usu\u00e1rios.<\/p>\n

\u00c0 medida que essa vers\u00e3o aprimorada do Open Banking<\/strong> evolui, o acesso aos dados torna-se ainda mais completo, possibilitando a constru\u00e7\u00e3o de ofertas mais direcionadas ao perfil financeiro dos clientes. Seja para a realiza\u00e7\u00e3o de opera\u00e7\u00f5es financeiras b\u00e1sicas, como abertura de contas e opera\u00e7\u00f5es de cr\u00e9dito, ou para investimentos, servi\u00e7os previdenci\u00e1rios, seguros, entre outros.<\/p>\n

Open Investment, o lan\u00e7amento mais recente do BC<\/strong><\/h2>\n

Inclusive, o \u00faltimo lan\u00e7amento do Open Finance mirou os dados de investimentos<\/a>. Desde o dia 29 de de setembro de 2023, clientes de institui\u00e7\u00f5es participantes do ecossistema podem compartilhar seus dados referentes a produtos e servi\u00e7os relacionados a investimentos.<\/p>\n

Com o Open Investment,<\/strong> como tem sido chamada a nova etapa do sistema financeiro aberto, os clientes interessados podem compartilhar com a institui\u00e7\u00e3o participante que desejarem os dados dos produtos de investimento que possuem em outras institui\u00e7\u00f5es que tamb\u00e9m participem do ecossistema.<\/p>\n

O que esperar do Open Finance para o futuro?<\/strong><\/h2>\n

O avan\u00e7o do Open Finance<\/strong> trar\u00e1 nos pr\u00f3ximos anos mudan\u00e7as que possibilitar\u00e3o jornadas ainda mais completas e com menos atritos no compartilhamento de dados e oferta de servi\u00e7os financeiros. Para 2024 em diante, haver\u00e1 infinitas possibilidades para entidades financeiras que veem no Open Finance uma oportunidade de expandir seus horizontes.<\/p>\n

Superapps<\/strong><\/h3>\n

Entre as novidades que se devem esperar com o avan\u00e7o do Open Finance est\u00e1 a evolu\u00e7\u00e3o no acesso aos servi\u00e7os financeiros. Nos pr\u00f3ximos anos, segundo falas p\u00fablicas do presidente do Banco Central, Roberto Campos Neto, os apps de grandes institui\u00e7\u00f5es financeiras passar\u00e3o por um upgrade, dando lugar aos chamados “superapps<\/strong>“.<\/p>\n

Tratam-se, basicamente, de plataformas agregadoras, com novos recursos, que operam quase como marketplaces, reunindo todas as informa\u00e7\u00f5es financeiras dos usu\u00e1rios em um s\u00f3 app. \u00c9 como se, ao entrar nesse app, o cliente encontrasse todos os bancos em que tem conta e conseguisse administrar os servi\u00e7os diretamente dali.<\/p>\n

Contudo, ainda n\u00e3o h\u00e1 maiores explica\u00e7\u00f5es por parte do BC sobre o desenvolvimento e data de implementa\u00e7\u00e3o dos superapps no Brasil.<\/p>\n

Open Insurance<\/strong><\/h3>\n

Do mesmo modo, para os pr\u00f3ximos anos, tamb\u00e9m haver\u00e1 um alinhamento e interoperabilidade do Open Finance com outros ecossistemas<\/a>, como o Open Insurance. O objetivo ser\u00e1 permitir o compartilhamento de dados e servi\u00e7os de seguros, possibilitando o aperfei\u00e7oamento e desenvolvimento desse mercado.<\/p>\n

Open Finance Previd\u00eancia<\/strong><\/h3>\n

O mesmo poder\u00e1 ser observado em outras \u00e1reas, como o mercado de entidades fechadas de previd\u00eancia complementar. Nesse contexto, iniciativas como a da Sinqia<\/strong> e sua solu\u00e7\u00e3o Open Finance Previd\u00eancia<\/strong><\/a> permitem o comparativo entre diferentes planos de previd\u00eancia complementar com mais facilidade e transpar\u00eancia. Assim, \u00e9 poss\u00edvel fazer a portabilidade entre planos, reduzindo fric\u00e7\u00f5es e elevando a efici\u00eancia na contrata\u00e7\u00e3o desses servi\u00e7os.<\/p>\n

Desafios de entregar mais valor ao usu\u00e1rio<\/strong><\/h2>\n

No Sinqia Summit<\/a>, evento organizado pela Sinqia em novembro de 2023 para debater as tend\u00eancias do mercado, os participantes concordaram que um dos principais desafios do Open Finance \u00e9 comunicar efetivamente seus benef\u00edcios ao usu\u00e1rio final.<\/p>\n

Bruno\u00a0Loiola, co-fundador da Pluggy, sublinhou a import\u00e2ncia de entregar valor ao cliente final, tornando o uso dos dados transparente e ben\u00e9fico. \u201cEm 2024 certamente veremos grandes bancos se movendo em rela\u00e7\u00e3o a isso, e cada vez mais valor tang\u00edvel ao usu\u00e1rio\u201d, opinou.<\/p>\n

N\u00e3o h\u00e1 d\u00favidas de que a evolu\u00e7\u00e3o do Open Finance<\/strong> traz consigo um cen\u00e1rio positivo e repleto de oportunidades para os pr\u00f3ximos anos. Agora, cabe aos bancos e outras institui\u00e7\u00f5es financeiras acompanharem de perto esses avan\u00e7os para garantir as adequa\u00e7\u00f5es necess\u00e1rias e elevar sua competitividade de mercado.<\/p>\n","protected":false},"excerpt":{"rendered":"

Com o prop\u00f3sito de modernizar as transa\u00e7\u00f5es financeiras, proporcionando maior agilidade e facilitando o acesso a produtos e servi\u00e7os financeiros, o Banco Central criou o Open Finance. Desde ent\u00e3o, esse ecossistema de compartilhamento de dados entre as institui\u00e7\u00f5es financeiras passou por diversas evolu\u00e7\u00f5es tecnol\u00f3gicas que aprimoraram ainda mais a experi\u00eancia dos clientes. Contudo, com a […]<\/p>\n","protected":false},"author":3,"featured_media":46073,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[998],"tags":[52,117,72,291,350],"class_list":["post-6398","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tech-e-trends","tag-bancos","tag-inovacao","tag-open-banking","tag-open-finance","tag-previdencia"],"yoast_head":"\nTend\u00eancias em Open Finance: o que esperar para 2024? - Evertec Trends<\/title>\n<meta name=\"description\" content=\"Com o prop\u00f3sito de modernizar as transa\u00e7\u00f5es financeiras, o Banco Central criou o Open Finance. 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