{"id":9962,"date":"2020-08-17T11:00:00","date_gmt":"2020-08-17T14:00:00","guid":{"rendered":"https:\/\/evertectrends.dev.creativetm.co\/?p=9962"},"modified":"2024-07-04T14:21:05","modified_gmt":"2024-07-04T17:21:05","slug":"implementacao-do-open-banking","status":"publish","type":"post","link":"https:\/\/evertectrends.dev.creativetm.co\/pt-br\/implementacao-do-open-banking\/","title":{"rendered":"As expectativas para a implementa\u00e7\u00e3o do open banking"},"content":{"rendered":"\n<p>O <a href=\"https:\/\/evertectrends.com\/open-banking-mercado-financeiro\/\">open banking<\/a>, definido como o compartilhamento de dados e servi\u00e7os banc\u00e1rios entre as institui\u00e7\u00f5es financeiras, com a autoriza\u00e7\u00e3o dos seus clientes, ser\u00e1 uma realidade no Brasil j\u00e1 no pr\u00f3ximo ano, 2021.<\/p>\n<p>Nesse artigo vamos falar sobre as movimenta\u00e7\u00f5es dos players banc\u00e1rios para a ades\u00e3o ao modelo, que est\u00e1 sendo estudado pelo Banco Central. Conhe\u00e7a o contexto de implementa\u00e7\u00e3o do open banking e os desafios encontrados pelo caminho.<\/p>\n<h2>O projeto de implementa\u00e7\u00e3o do open banking<\/h2>\n<p>N\u00e3o \u00e9 segredo que o Banco Central observa de perto as tend\u00eancias em \u00e2mbito nacional e internacional, sendo o open banking uma das novas propostas para o sistema financeiro interno.<\/p>\n<p>Em comunicado, a institui\u00e7\u00e3o informou estar acompanhando e estudando as <a href=\"https:\/\/evertectrends.com\/open-api-beneficia-servicos-bancarios\/\">inova\u00e7\u00f5es<\/a> que acontecem no segmento financeiro. Em raz\u00e3o do seu potencial de impacto nos servi\u00e7os e na concorr\u00eancia, o open banking se tornou um tema de interesse.<\/p>\n<p>A primeira fase da implementa\u00e7\u00e3o do novo sistema est\u00e1 prevista para acontecer at\u00e9 o dia 30 de novembro de 2020. No entanto, existem muitos desafios que devem ser enfrentados e contornados pelos bancos para que o projeto se torne vi\u00e1vel.<\/p>\n<h2>Desafios para a implementa\u00e7\u00e3o do open banking<\/h2>\n<p>Apesar do seu grande potencial, melhorando os sistemas financeiros e garantindo maior efici\u00eancia \u2013 o que certamente melhorar\u00e1 a experi\u00eancia dos clientes \u2013 o modelo open banking enfrenta alguns desafios iniciais.<\/p>\n<h4>1) Insfraestrutura prec\u00e1ria<\/h4>\n<p>A rede de transmiss\u00e3o de dados brasileiras \u00e9 deficiente, considerando-se que 70 milh\u00f5es de pessoas n\u00e3o possuem acesso \u00e0 internet ou possuem <a href=\"https:\/\/evertectrends.com\/desbancarizacao-no-brasil\/\">acesso prec\u00e1rio<\/a>. As desigualdades sociais no territ\u00f3rio nacional explicam essa car\u00eancia.<\/p>\n<p>Al\u00e9m disso, mais de 42 milh\u00f5es de brasileiros nunca acessaram a rede mundial de computadores. S\u00e3o pessoas consideradas invis\u00edveis do ponto de vista do avan\u00e7o tecnol\u00f3gico.<\/p>\n<p>Dessa forma, um dos primeiros passos para a implementa\u00e7\u00e3o do open banking \u00e9 a inclus\u00e3o digital. Muitos consideram esse aspecto como determinante para o sucesso de um projeto de compartilhamento de dados.<\/p>\n<h4>2) Legisla\u00e7\u00e3o open banking<\/h4>\n<p>Para que o <a href=\"https:\/\/evertectrends.com\/regulamentacao-open-banking\/\">open banking<\/a> seja aplicado, \u00e9 necess\u00e1rio que existam legisla\u00e7\u00f5es espec\u00edficas que regulamentem o modelo, o que ainda n\u00e3o existe no pa\u00eds. Com uma lei espec\u00edfica \u00e9 poss\u00edvel estabelecer regras, padr\u00f5es, procedimentos e condi\u00e7\u00f5es gerais aplic\u00e1veis.<\/p>\n<h4>3) A preocupa\u00e7\u00e3o com as fraudes<\/h4>\n<p>Com o avan\u00e7o da tecnologia, cresce tamb\u00e9m a preocupa\u00e7\u00e3o com <a href=\"https:\/\/evertectrends.com\/como-prevenir-as-fraudes-nas-instituicoes-financeiras\/\">fraudes<\/a> cibern\u00e9ticas. Os crimes cometidos dentro da internet est\u00e3o experimentando aumento exponencial n\u00e3o apenas no Brasil, como no mundo todo.<\/p>\n<p>Al\u00e9m do maior n\u00famero de incidentes, \u00e9 not\u00e1vel a sofistica\u00e7\u00e3o dos ataques, o que dificulta a a\u00e7\u00e3o dos \u00f3rg\u00e3os respons\u00e1veis. De acordo com relat\u00f3rio da Norton Cyber Security, o Brasil foi o segundo pa\u00eds com mais casos de crimes cibern\u00e9ticos em 2017.<\/p>\n<p>Com os ataques, mais de 62 milh\u00f5es de pessoas foram afetadas, gerando um preju\u00edzo de 22 bilh\u00f5es de d\u00f3lares. O relat\u00f3rio tamb\u00e9m apontou que os smartphones \u00e9 um dos fatores preponderantes para o aumento no n\u00famero de ataques.<\/p>\n<h4>4) Fiscaliza\u00e7\u00e3o e regulamenta\u00e7\u00e3o das fintechs<\/h4>\n<p>As startups financeiras, tamb\u00e9m conhecidas como <a href=\"https:\/\/evertectrends.com\/tendencias-que-estao-impactando-o-mercado-das-fintechs\/\">fintechs<\/a>, devem passar por um processo de fiscaliza\u00e7\u00e3o e regulamenta\u00e7\u00e3o. Afinal de contas, o open banking pressup\u00f5e a transmiss\u00e3o de enormes quantidades de dados, entre essas institui\u00e7\u00f5es e os bancos.<\/p>\n<p>Outros agentes, como as seguradoras e empresas de produtos e servi\u00e7os tamb\u00e9m ser\u00e3o afetadas pela implementa\u00e7\u00e3o. Para que o fluxo de dados seja seguro, faz-se necess\u00e1rio a compatibilidade das Interfaces de Programa\u00e7\u00e3o de Aplicativos (API).<\/p>\n<p>De acordo com o que determina a <a href=\"https:\/\/evertectrends.com\/lei-protecao-de-dados-impactos\/\">Lei Geral de Prote\u00e7\u00e3o de Dados<\/a> (LGPD), os dados pessoais financeiros devem ser protegidos, por se enquadrarem no conceito de dados pessoais.<\/p>\n<p>Por\u00e9m, uma parcela significativa das empresas est\u00e1 pendente de conformidade com a LGPD. Estima-se que 84% das empresas est\u00e3o em descompasso com as novas regras de privacidade de dados.<\/p>\n<h2>Como as institui\u00e7\u00f5es est\u00e3o reagindo ao desafio<\/h2>\n<p>Para que o open banking seja seguro e competitivo, envolvendo o maior n\u00famero de players poss\u00edvel, algumas institui\u00e7\u00f5es est\u00e3o lan\u00e7ando propostas. \u00c9 o caso do <a href=\"https:\/\/evertectrends.com\/banco-digital-desafio-setor-financeiro\/\">Nubank<\/a>, que divulgou em relat\u00f3rio um modelo com princ\u00edpios b\u00e1sicos a serem considerados.<\/p>\n<p>Esses princ\u00edpios incluem a seguran\u00e7a das comunica\u00e7\u00f5es, o controle pelo usu\u00e1rio dos dados financeiros, a cria\u00e7\u00e3o de APIs eficientes, integra\u00e7\u00e3o entre servi\u00e7os e flexibilidade criativa para os participantes do sistema, para a cria\u00e7\u00e3o de produtos.<\/p>\n<p>J\u00e1 o Banco do Brasil, por exemplo, lan\u00e7ou uma plataforma de open banking desenvolvida em parceria com a fintech Conta Azul, especializada na gest\u00e3o de contas para micro e pequenas empresas. Por meio de uma API, o cliente acessa a informa\u00e7\u00e3o que deseja \u2013 e porque o banco a forneceu.<\/p>\n<p>Para a B3, a bolsa de valores oficial do Brasil, o open banking tamb\u00e9m possibilitar\u00e1 que os investidores optem pela disponibiliza\u00e7\u00e3o de informa\u00e7\u00f5es de seu portf\u00f3lio de investimentos para terceiros e outras plataformas. A empresa j\u00e1 possui tecnologia e plataformas que permitem esse acesso de forma digital em ambiente seguro e de alta performance, por\u00e9m deve sempre respeitar o ambiente legal no Pa\u00eds.<\/p>\n<p>Como \u00e9 poss\u00edvel perceber, a implementa\u00e7\u00e3o do open banking passa, necessariamente, pela supera\u00e7\u00e3o de desafios internos, como a inclus\u00e3o digital e a regulamenta\u00e7\u00e3o jur\u00eddica do novo modelo.<\/p>\n<p>Dessa forma, apesar das propostas e discuss\u00f5es a respeito do open banking, \u00e9 poss\u00edvel imaginar um longo caminho a ser percorrido, at\u00e9 que todos os fatores estejam alinhados, para proporcionar um sistema \u00edntegro e vi\u00e1vel.<\/p>\n<p>Gostou deste conte\u00fado? Acompanhe nosso blog e assine nossa newsletter para\u00a0<a href=\"https:\/\/materiais.simply.com.br\/opt-in-newsletter\/\">receber novos conte\u00fados em seu e-mail!<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>O open banking ser\u00e1 uma realidade no Brasil j\u00e1 no pr\u00f3ximo ano, 2021. Conhe\u00e7a neste artigo o contexto de implementa\u00e7\u00e3o, as movimenta\u00e7\u00f5es dos players banc\u00e1rios para a ades\u00e3o ao modelo e os desafios encontrados pelo caminho.<\/p>\n","protected":false},"author":9,"featured_media":9963,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[998],"tags":[52,26,14,72,8],"class_list":["post-9962","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tech-e-trends","tag-bancos","tag-fintechs","tag-mercado-financeiro-2","tag-open-banking","tag-tecnologia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>As expectativas para a implementa\u00e7\u00e3o do open banking - Evertec Trends<\/title>\n<meta name=\"description\" content=\"Conhe\u00e7a o contexto de implementa\u00e7\u00e3o do open banking, as movimenta\u00e7\u00f5es dos 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