{"id":632995,"date":"2023-06-28T22:30:00","date_gmt":"2023-06-28T22:30:00","guid":{"rendered":"https:\/\/www.capgemini.com\/br-pt\/?p=632995"},"modified":"2025-03-26T05:20:34","modified_gmt":"2025-03-26T05:20:34","slug":"open-finance-e-a-evolucao-dos-servicos-agregados","status":"publish","type":"post","link":"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/open-finance-e-a-evolucao-dos-servicos-agregados\/","title":{"rendered":"Open finance e a evolu\u00e7\u00e3o dos servi\u00e7os agregados"},"content":{"rendered":"\t\t<div class=\"wp-block-cg-blocks-hero-press-release\">\n\t\t\t<header class=\"header-hero-press-release\" role=\"main\" id=\"main-content-press-release\">\n\t\t\t\t<div class=\"container\">\n\t\t\t\t\t<div class=\"hero-press-release\">\n\t\t\t\t\t\t<div class=\"hero-press-release-content-wrapper\">\n\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t<div class=\"col-12\">\n\t\t\t\t\t\t\t\t\t<div class=\"header-title\">\n\t\t\t\t\t\t\t\t\t\t<h1>\n\t\t\t\t\t\t\t\t\t\t\tOpen finance e a evolu\u00e7\u00e3o dos servi\u00e7os agregados\t\t\t\t\t\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"header-description\">\n\t\t\t\t\t\t\t\t\t\t<p><\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"header-date\">\n\t\t\t\t\t\t\t\t\t\t<span>jun. 28, 2023<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"hero-press-release-brand-image\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-white.svg\" alt=\"Logotipo da marca\" \/>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/header>\n\t\t<\/div>\n\t\t\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?=http:\/\/capgeminiucwe.develop\/?post_type=press-release&amp;p=179\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Abre em uma nova janela\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?=http:\/\/capgeminiucwe.develop\/?post_type=press-release&amp;p=179\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Abre em uma nova janela\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?=http:\/\/capgeminiucwe.develop\/?post_type=press-release&amp;p=179\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Abre em uma nova janela\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-open-finance-baas-embedded-finance-sao-inovacoes-que-guiam-a-criacao-de-servicos-e-geram-beneficios-para-clientes-e-instituicoes-bancarias\">Open finance, BaaS, Embedded Finance s\u00e3o inova\u00e7\u00f5es que guiam a cria\u00e7\u00e3o de servi\u00e7os e geram benef\u00edcios para clientes e institui\u00e7\u00f5es banc\u00e1rias<\/h2>\n\n\n\n<p>A oferta de servi\u00e7os financeiros \u00e9 cada vez maior. Em um futuro pr\u00f3ximo, a expectativa \u00e9 que o volume de transa\u00e7\u00f5es embutidas na jornada fim a fim do cliente possa representar at\u00e9 50% das receitas dos bancos. Como as institui\u00e7\u00f5es est\u00e3o trabalhando Open Finance, Banking as a Service (BaaS) e Embedded Finance para impulsionar ainda mais a inova\u00e7\u00e3o em servi\u00e7os?&nbsp;&nbsp;<\/p>\n\n\n\n<p>Um debate com representantes de grandes bancos e do&nbsp;Banco Central no&nbsp;primeiro dia da Febraban Tech 2023, mostrou que o setor n\u00e3o brinca em servi\u00e7o: h\u00e1 iniciativas cada vez mais maduras, outras em andamento e v\u00e1rias planejadas no horizonte.&nbsp;<\/p>\n\n\n\n<p>O Banco Central tem&nbsp;objetivos bem definidos de m\u00e9dio a longo prazo em rela\u00e7\u00e3o ao&nbsp;Open Finance,&nbsp;lan\u00e7ado h\u00e1 tr\u00eas anos: mais competi\u00e7\u00e3o, aumento da efici\u00eancia e inclus\u00e3o financeira. \u201cPara chegar l\u00e1, vamos dar um passo de cada vez\u201d, disse Matheus Rauber, assessor s\u00eanior no departamento de regula\u00e7\u00e3o do Banco Central durante o evento.<\/p>\n\n\n\n<p>Segundo ele, o Banco Central tem uma agenda de prioridades, sendo que a inicia\u00e7\u00e3o de transa\u00e7\u00e3o de pagamentos \u00e9 o foco para 2023. Para isso, \u00e9 preciso fazer melhorias na APIs, nas jornadas de experi\u00eancia do cliente, discutir novas funcionalidades e o PIX autom\u00e1tico recorrente. <\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cApesar de estar mais est\u00e1vel, tamb\u00e9m precisamos de melhorias na qualidade de dados abertos e transacionais\u201d, afirmou Rauber.<\/p>\n<\/blockquote>\n\n\n\n<p>Para&nbsp;Cristina Pinna, diretora de engenharia de software do Bradesco, tecnologia \u00e9 fundamental para a consolida\u00e7\u00e3o do Open Finance. \u201cA beleza do Open Finance s\u00e3o as APIs, que facilitam muito as integra\u00e7\u00f5es e compartilhamento de dados\u201d. Al\u00e9m disso, na constru\u00e7\u00e3o de um ecossistema para agregar valor ao cliente, o Bradesco adota tecnologias como Intelig\u00eancia Artificial e anal\u00edtico avan\u00e7ado, para conseguir trabalhar com grande volume de dados e, a partir deles, ter insights. Na pr\u00e1tica, isso significa, por exemplo, agregar para o cliente informa\u00e7\u00f5es de saldo, de cr\u00e9dito e investimento.&nbsp;<\/p>\n\n\n\n<p>A executiva contou tamb\u00e9m que as novas tecnologias d\u00e3o suporte para a hiperpersonaliza\u00e7\u00e3o. Recentemente, o Bradesco come\u00e7ou a fazer experimentos com IA generativa para tentar extrair as melhores estrat\u00e9gias para atender os clientes. Al\u00e9m disso, tamb\u00e9m tem foco nas jornadas cada vez mais digitais e sem fric\u00e7\u00e3o, inclusive possibilitando transa\u00e7\u00f5es na plataforma de terceiros como empresas de e-commerce.&nbsp;<\/p>\n\n\n\n<p>E como virar a chave para aumentar a ades\u00e3o ao Open Finance? Segundo \u00cdsis Galote, gerente de estrat\u00e9gia do Ita\u00fa Unibanco, \u00e9 importante fazer ofertas mais individualizadas e, em paralelo, melhorar a jornada e a experi\u00eancia.&nbsp;<\/p>\n\n\n\n<p><strong>Dados&nbsp;<\/strong><\/p>\n\n\n\n<p>Dados s\u00e3o essenciais para cria\u00e7\u00e3o de novos produtos e servi\u00e7os financeiros. Mas o desafio \u00e9 grande. \u201cOs dados trazem benef\u00edcios tanto para o cliente quanto para o banco\u201d, afirma \u00cdsis. Para ela, \u00e9 preciso apostar em solu\u00e7\u00f5es pautadas no momento de vida do cliente, combinadas com outros setores, como oferecer um seguro de casa, o que conversa com o Open Insurance.<\/p>\n\n\n\n<p>Outro desafio, segundo Cristina, do Bradesco, \u00e9 a padroniza\u00e7\u00e3o, que permite a interoperabilidade e qualidade de dados para ter personaliza\u00e7\u00e3o e hiperpersonaliza\u00e7\u00e3o. \u201cComo conseguimos fazer isso? Com design organizacional focado no cliente\u201d, disse. Ela explica que antes do Open Finance o banco j\u00e1 pensava as \u00e1reas de tecnologias com foco no cliente, experi\u00eancia, jornada e intelig\u00eancia de dados. Com o Open Finance, come\u00e7ou a trabalhar com uma estrutura organizacional que congrega v\u00e1rias compet\u00eancias, como engenheiros de dados, especialistas em User Experience (UX), em tecnologia e neg\u00f3cios.&nbsp;<\/p>\n\n\n\n<p><strong>Novas modalidades de servi\u00e7os<\/strong><\/p>\n\n\n\n<p>Outros temas abordados no painel foram o Banking as a Service (BaaS) e o Embeded Finance, que se relacionam bem com Open Finance. Todos t\u00eam algo em comum: o cliente no centro.&nbsp;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Para \u00cdsis, o foco \u00e9 sempre usar experi\u00eancia contextualizada e personalizada. \u201cNo Embedded Finance, \u00e9 o contexto correto e a oferta correta, no momento que o cliente deseja. O BaaS permite uma conex\u00e3o\u201d.<\/p>\n<\/blockquote>\n\n\n\n<p>Segundo Cristina, do Bradesco, um ponto importante \u00e9 olhar a jornada fim a fim do cliente, esteja ele na plataforma do banco ou de terceiros. Da\u00ed, a import\u00e2ncia de estabelecer parcerias. \u201cO Bradesco tem mais de 2 mil parcerias que usam as APIs para pensar em jornadas que fa\u00e7am sentido para o cliente\u201d, contou. S\u00e3o parcerias com marketplaces e servi\u00e7os de viagens, como hot\u00e9is, por exemplo.&nbsp;<\/p>\n\n\n\n<p>De acordo com Rauber, o Banco Central tem se debru\u00e7ado sobre o BaaS, analisando quest\u00f5es regulat\u00f3rias e de conduta das institui\u00e7\u00f5es. \u201c\u00c0s vezes, n\u00e3o fica claro para o cliente quem est\u00e1 prestando aquele servi\u00e7o para ele. \u00c9 poss\u00edvel que o Banco Central precise disciplinar melhor o servi\u00e7o de BaaS\u201d, disse.&nbsp;<\/p>\n\n\n\n<p>Em rela\u00e7\u00e3o a Embedded Finance, o BC tenta dar mais concretude ao que seria um o superapp. \u201cN\u00e3o queremos ver apenas solu\u00e7\u00f5es simples integradas em app de terceiros, mas esperamos que as institui\u00e7\u00f5es apresentem algo mais criativo, como agrega\u00e7\u00e3o de dados, hiperpersonaliza\u00e7\u00e3o e presta\u00e7\u00e3o de servi\u00e7os no momento adequado. O BC espera ver maior integra\u00e7\u00e3o\u201d, destacou.&nbsp;<\/p>\n\n\n\n<p><strong>Open Finance brasileiro aos olhos do mundo&nbsp;<\/strong><\/p>\n\n\n\n<p>Helen Child \u2013 CEO e fundadora da Open Banking Excellence (OBE), principal comunidade mundial de pioneiros em open banking e open finance que re\u00fane bancos, \u00f3rg\u00e3os reguladores e prestadores de servi\u00e7os \u2013 \u00e9 uma entusiasta do tema e f\u00e3 da iniciativa brasileira.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cNo come\u00e7o deste ano lan\u00e7amos o Global Open Finance Index, com uma vis\u00e3o de iniciativas em todo o mundo. Todos est\u00e3o olhando para o que o Brasil faz\u201d, afirmou em sua participa\u00e7\u00e3o no painel. Segundo ela, o Banco Central do Brasil \u00e9 bastante reconhecido no mundo por sua postura de pensar num futuro \u00e1gil e inovador.&nbsp;<\/p>\n<\/blockquote>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cV\u00e1rios pa\u00edses aspiram ter um ambiente como o do Brasil. Voc\u00eas buscaram benchmarking no Reino Unido, aprenderam e aplicaram as li\u00e7\u00f5es, adotaram um ponto de partida diferente e, com o PIX, o processo acelerou. \u00c9 fenomenal a escala que o Brasil alcan\u00e7ou. N\u00e3o \u00e9 apenas a inova\u00e7\u00e3o, mas o ritmo que voc\u00eas implementaram e a grande participa\u00e7\u00e3o do mercado\u201d, destacou. Segundo Hellen, o Brasil \u00e9 o primeiro pa\u00eds a ter um processo de ponta a ponta. \u201cO Brasil est\u00e1 liderando o caminho do Open Finance\u201d.&nbsp;<\/p>\n<\/blockquote>\n\n\n\n<p>Para ela, colabora\u00e7\u00e3o \u00e9 a palavra-chave para os bancos seguirem no caminho do Open Finance.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n<div class=\"wp-block-cg-blocks-cg-block-related-content\"><section class=\"relatedContentBlock\"><div class=\"container\"><div class=\"row\"><div class=\"content-title col-12 col-md-8\"><h2 class=\"related-content-heading\">Conte\u00fado relacionado<\/h2><\/div><\/div><div class=\"row relatedContent\"><div class=\"col-lg-4 col-md-6 col-xs-12\">\n\t\t\t\t\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t<a aria-label=\"Leia mais sobre Os cinco imperativos estrat\u00e9gicos de ciberseguran\u00e7a para 2026\" 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class=\"box-date\">\n\t\t\t\t\t\t\t\t\t\t<span>Feb 4, 2026<\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"box-bottom\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<a class=\"more\" aria-label=\"Leia mais sobre Orquestrar, decidir, transformar: IA a servi\u00e7o do neg\u00f3cio com Capgemini &#038; Microsoft\" href=\"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/orquestrar-decidir-transformar-ia-a-servico-do-negocio-com-capgemini-microsoft\/\">Leia mais sobre<\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><\/div><\/div><\/section><\/div>","protected":false},"excerpt":{"rendered":"<p>Open finance, BaaS, Embedded Finance s\u00e3o inova\u00e7\u00f5es que guiam a cria\u00e7\u00e3o de servi\u00e7os e geram benef\u00edcios para clientes e institui\u00e7\u00f5es 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