{"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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">\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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\"><strong>Dados&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\"><strong>Novas modalidades de servi\u00e7os<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\"><strong>Open Finance brasileiro aos olhos do mundo&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">\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 class=\"wp-block-paragraph\">\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 class=\"wp-block-paragraph\">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 Transformando a IA personalizada em realidade: Como a Capgemini transforma a inova\u00e7\u00e3o da SAP em resili\u00eancia nos neg\u00f3cios\" href=\"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/transformando-a-ia-personalizada-em-realidade-como-a-capgemini-transforma-a-inovacao-da-sap-em-resiliencia-nos-negocios\/\" class=\"anchorWrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"box-tag\"><span><\/span><\/span>\n\t\t\t\t\t\t\t\t\t<div class=\"box-title\"><h3 class=\"box-subtitle\">Transformando a IA personalizada em realidade: Como a Capgemini transforma a inova\u00e7\u00e3o da SAP em resili\u00eancia nos neg\u00f3cios<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"box-date\">\n\t\t\t\t\t\t\t\t\t\t<span>ago. 6, 2026<\/span>\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\t<div class=\"box-bottom\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<a class=\"more\" aria-label=\"Leia mais sobre Transformando a IA personalizada em realidade: Como a Capgemini transforma a inova\u00e7\u00e3o da SAP em resili\u00eancia nos neg\u00f3cios\" href=\"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/transformando-a-ia-personalizada-em-realidade-como-a-capgemini-transforma-a-inovacao-da-sap-em-resiliencia-nos-negocios\/\">Leia mais sobre<\/a>\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><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 Do manual ao aut\u00f4nomo: O futuro da experi\u00eancia do cliente\" href=\"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/do-manual-ao-autonomo-o-futuro-da-experiencia-do-cliente\/\" class=\"anchorWrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"box-tag\"><span><\/span><\/span>\n\t\t\t\t\t\t\t\t\t<div class=\"box-title\"><h3 class=\"box-subtitle\">Do manual ao aut\u00f4nomo: O futuro da experi\u00eancia do cliente<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"box-date\">\n\t\t\t\t\t\t\t\t\t\t<span>jul. 24, 2026<\/span>\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\t<div class=\"box-bottom\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<a class=\"more\" aria-label=\"Leia mais sobre Do manual ao aut\u00f4nomo: O futuro da experi\u00eancia do cliente\" href=\"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/do-manual-ao-autonomo-o-futuro-da-experiencia-do-cliente\/\">Leia mais sobre<\/a>\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><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 Implementando o desktop invis\u00edvel para potencializar a experi\u00eancia dos colaboradores\" href=\"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/implementando-o-desktop-invisivel-para-potencializar-a-experiencia-dos-colaboradores\/\" class=\"anchorWrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"box-tag\"><span><\/span><\/span>\n\t\t\t\t\t\t\t\t\t<div class=\"box-title\"><h3 class=\"box-subtitle\">Implementando o desktop invis\u00edvel para potencializar a experi\u00eancia dos colaboradores<\/h3><\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"box-date\">\n\t\t\t\t\t\t\t\t\t\t<span>jul. 20, 2026<\/span>\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\t<div class=\"box-bottom\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<a class=\"more\" aria-label=\"Leia mais sobre Implementando o desktop invis\u00edvel para potencializar a experi\u00eancia dos colaboradores\" href=\"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/implementando-o-desktop-invisivel-para-potencializar-a-experiencia-dos-colaboradores\/\">Leia mais sobre<\/a>\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><\/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 banc\u00e1rias<\/p>\n","protected":false},"author":588,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"eb1e94d5-ff86-4ff1-9f42-70f5cea69582\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":false,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"_yoast_wpseo_primary_brand":"80","footnotes":"","featured_focal_points":"","jetpack_post_was_ever_published":false},"categories":[1],"tags":[156,129],"brand":[80],"service":[],"industry":[],"partners":[],"blog-topic":[119],"content-group":[],"class_list":["post-632995","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-bancos","tag-open-finance","brand-capgemini","blog-topic-expert-perspective"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Open finance e a evolu\u00e7\u00e3o dos servi\u00e7os agregados<\/title>\n<meta name=\"description\" content=\"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\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/open-finance-e-a-evolucao-dos-servicos-agregados\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Open finance e a evolu\u00e7\u00e3o dos servi\u00e7os agregados\" \/>\n<meta property=\"og:description\" content=\"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\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/open-finance-e-a-evolucao-dos-servicos-agregados\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini Brasil\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/capgeminibrasil\" \/>\n<meta property=\"article:published_time\" content=\"2023-06-28T22:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-26T05:20:34+00:00\" \/>\n<meta name=\"author\" content=\"bruna.lima@capgemini.com\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"bruna.lima@capgemini.com\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/insights\\\/perspectivas-dos-especialistas\\\/open-finance-e-a-evolucao-dos-servicos-agregados\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/insights\\\/perspectivas-dos-especialistas\\\/open-finance-e-a-evolucao-dos-servicos-agregados\\\/\"},\"author\":{\"name\":\"bruna.lima@capgemini.com\",\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/#\\\/schema\\\/person\\\/8621f2a45cd493cbf89cfb65fafc663d\"},\"headline\":\"Open finance e a evolu\u00e7\u00e3o dos servi\u00e7os agregados\",\"datePublished\":\"2023-06-28T22:30:00+00:00\",\"dateModified\":\"2025-03-26T05:20:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/insights\\\/perspectivas-dos-especialistas\\\/open-finance-e-a-evolucao-dos-servicos-agregados\\\/\"},\"wordCount\":1138,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/#organization\"},\"keywords\":[\"bancos\",\"open finance\"],\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/insights\\\/perspectivas-dos-especialistas\\\/open-finance-e-a-evolucao-dos-servicos-agregados\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/insights\\\/perspectivas-dos-especialistas\\\/open-finance-e-a-evolucao-dos-servicos-agregados\\\/\",\"url\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/insights\\\/perspectivas-dos-especialistas\\\/open-finance-e-a-evolucao-dos-servicos-agregados\\\/\",\"name\":\"Open finance e a evolu\u00e7\u00e3o dos servi\u00e7os agregados\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/#website\"},\"datePublished\":\"2023-06-28T22:30:00+00:00\",\"dateModified\":\"2025-03-26T05:20:34+00:00\",\"description\":\"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\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/insights\\\/perspectivas-dos-especialistas\\\/open-finance-e-a-evolucao-dos-servicos-agregados\\\/#breadcrumb\"},\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/insights\\\/perspectivas-dos-especialistas\\\/open-finance-e-a-evolucao-dos-servicos-agregados\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/insights\\\/perspectivas-dos-especialistas\\\/open-finance-e-a-evolucao-dos-servicos-agregados\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Open finance e a evolu\u00e7\u00e3o dos servi\u00e7os agregados\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/#website\",\"url\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/\",\"name\":\"Capgemini Brasil\",\"description\":\"Capgemini\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-BR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/#organization\",\"name\":\"Capgemini Brasil\",\"alternateName\":\"Capgemini\",\"url\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":false,\"contentUrl\":false,\"width\":3000,\"height\":2780,\"caption\":\"Capgemini Brasil\"},\"image\":{\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/capgeminibrasil\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/capgemini\",\"https:\\\/\\\/www.instagram.com\\\/capgeminibr\\\/\",\"https:\\\/\\\/www.youtube.com\\\/user\\\/capgeminimedia\",\"https:\\\/\\\/pt.wikipedia.org\\\/wiki\\\/Capgemini\",\"https:\\\/\\\/www.wikidata.org\\\/wiki\\\/Q5031\"],\"description\":\"Capgemini Brasil: L\u00edder global em consultoria, tecnologia e transforma\u00e7\u00e3o digital. Servi\u00e7os integrados que combinam inova\u00e7\u00e3o e expertise.\",\"legalName\":\"Capgemini Brasil LTDA\",\"foundingDate\":\"1967-10-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"5001\",\"maxValue\":\"10000\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/#\\\/schema\\\/person\\\/8621f2a45cd493cbf89cfb65fafc663d\",\"name\":\"bruna.lima@capgemini.com\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/dbebb8c16fe9c2fd30419174f8a75c4a09a040e49c1769e8a572c8134412df7d?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/dbebb8c16fe9c2fd30419174f8a75c4a09a040e49c1769e8a572c8134412df7d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/dbebb8c16fe9c2fd30419174f8a75c4a09a040e49c1769e8a572c8134412df7d?s=96&d=mm&r=g\",\"caption\":\"bruna.lima@capgemini.com\"},\"url\":\"https:\\\/\\\/www.capgemini.com\\\/br-pt\\\/author\\\/bruna-limacapgemini-com\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Open finance e a evolu\u00e7\u00e3o dos servi\u00e7os agregados","description":"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","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/open-finance-e-a-evolucao-dos-servicos-agregados\/","og_locale":"pt_BR","og_type":"article","og_title":"Open finance e a evolu\u00e7\u00e3o dos servi\u00e7os agregados","og_description":"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","og_url":"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/open-finance-e-a-evolucao-dos-servicos-agregados\/","og_site_name":"Capgemini Brasil","article_publisher":"https:\/\/www.facebook.com\/capgeminibrasil","article_published_time":"2023-06-28T22:30:00+00:00","article_modified_time":"2025-03-26T05:20:34+00:00","author":"bruna.lima@capgemini.com","twitter_card":"summary_large_image","twitter_misc":{"Written by":"bruna.lima@capgemini.com","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/open-finance-e-a-evolucao-dos-servicos-agregados\/#article","isPartOf":{"@id":"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/open-finance-e-a-evolucao-dos-servicos-agregados\/"},"author":{"name":"bruna.lima@capgemini.com","@id":"https:\/\/www.capgemini.com\/br-pt\/#\/schema\/person\/8621f2a45cd493cbf89cfb65fafc663d"},"headline":"Open finance e a evolu\u00e7\u00e3o dos servi\u00e7os agregados","datePublished":"2023-06-28T22:30:00+00:00","dateModified":"2025-03-26T05:20:34+00:00","mainEntityOfPage":{"@id":"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/open-finance-e-a-evolucao-dos-servicos-agregados\/"},"wordCount":1138,"commentCount":0,"publisher":{"@id":"https:\/\/www.capgemini.com\/br-pt\/#organization"},"keywords":["bancos","open finance"],"inLanguage":"pt-BR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/open-finance-e-a-evolucao-dos-servicos-agregados\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/open-finance-e-a-evolucao-dos-servicos-agregados\/","url":"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/open-finance-e-a-evolucao-dos-servicos-agregados\/","name":"Open finance e a evolu\u00e7\u00e3o dos servi\u00e7os agregados","isPartOf":{"@id":"https:\/\/www.capgemini.com\/br-pt\/#website"},"datePublished":"2023-06-28T22:30:00+00:00","dateModified":"2025-03-26T05:20:34+00:00","description":"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","breadcrumb":{"@id":"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/open-finance-e-a-evolucao-dos-servicos-agregados\/#breadcrumb"},"inLanguage":"pt-BR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/open-finance-e-a-evolucao-dos-servicos-agregados\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.capgemini.com\/br-pt\/insights\/perspectivas-dos-especialistas\/open-finance-e-a-evolucao-dos-servicos-agregados\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.capgemini.com\/br-pt\/"},{"@type":"ListItem","position":2,"name":"Open finance e a evolu\u00e7\u00e3o dos servi\u00e7os agregados"}]},{"@type":"WebSite","@id":"https:\/\/www.capgemini.com\/br-pt\/#website","url":"https:\/\/www.capgemini.com\/br-pt\/","name":"Capgemini Brasil","description":"Capgemini","publisher":{"@id":"https:\/\/www.capgemini.com\/br-pt\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.capgemini.com\/br-pt\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-BR"},{"@type":"Organization","@id":"https:\/\/www.capgemini.com\/br-pt\/#organization","name":"Capgemini Brasil","alternateName":"Capgemini","url":"https:\/\/www.capgemini.com\/br-pt\/","logo":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/www.capgemini.com\/br-pt\/#\/schema\/logo\/image\/","url":false,"contentUrl":false,"width":3000,"height":2780,"caption":"Capgemini Brasil"},"image":{"@id":"https:\/\/www.capgemini.com\/br-pt\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/capgeminibrasil","https:\/\/www.linkedin.com\/company\/capgemini","https:\/\/www.instagram.com\/capgeminibr\/","https:\/\/www.youtube.com\/user\/capgeminimedia","https:\/\/pt.wikipedia.org\/wiki\/Capgemini","https:\/\/www.wikidata.org\/wiki\/Q5031"],"description":"Capgemini Brasil: L\u00edder global em consultoria, tecnologia e transforma\u00e7\u00e3o digital. Servi\u00e7os integrados que combinam inova\u00e7\u00e3o e expertise.","legalName":"Capgemini Brasil LTDA","foundingDate":"1967-10-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"5001","maxValue":"10000"}},{"@type":"Person","@id":"https:\/\/www.capgemini.com\/br-pt\/#\/schema\/person\/8621f2a45cd493cbf89cfb65fafc663d","name":"bruna.lima@capgemini.com","image":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/secure.gravatar.com\/avatar\/dbebb8c16fe9c2fd30419174f8a75c4a09a040e49c1769e8a572c8134412df7d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/dbebb8c16fe9c2fd30419174f8a75c4a09a040e49c1769e8a572c8134412df7d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/dbebb8c16fe9c2fd30419174f8a75c4a09a040e49c1769e8a572c8134412df7d?s=96&d=mm&r=g","caption":"bruna.lima@capgemini.com"},"url":"https:\/\/www.capgemini.com\/br-pt\/author\/bruna-limacapgemini-com\/"}]}},"blog_topic_info":[{"id":119,"name":"expert perspective"}],"taxonomy_info":{"category":[{"id":1,"name":"Uncategorized","slug":"uncategorized"}],"post_tag":[{"id":156,"name":"bancos","slug":"bancos"},{"id":129,"name":"open finance","slug":"open-finance"}],"brand":[{"id":80,"name":"Capgemini","slug":"capgemini"}],"blog-topic":[{"id":119,"name":"expert perspective","slug":"expert-perspective"}],"following_users":[{"id":37,"name":"automator","slug":"automator"},{"id":111,"name":"bruna.lima@capgemini.com","slug":"bruna-limacapgemini-com"}]},"archive_status":false,"featured_image_src":"https:\/\/www.capgemini.com\/br-pt\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","featured_image_alt":false,"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Capgemini Brasil","distributor_original_site_url":"https:\/\/www.capgemini.com\/br-pt","push-errors":false,"jetpack_featured_media_url":"","featured_image_url":"https:\/\/www.capgemini.com\/br-pt\/wp-content\/themes\/capgemini2025\/assets\/images\/mockup.png","_links":{"self":[{"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/posts\/632995","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/users\/588"}],"replies":[{"embeddable":true,"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/comments?post=632995"}],"version-history":[{"count":6,"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/posts\/632995\/revisions"}],"predecessor-version":[{"id":640332,"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/posts\/632995\/revisions\/640332"}],"wp:attachment":[{"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/media?parent=632995"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/categories?post=632995"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/tags?post=632995"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/brand?post=632995"},{"taxonomy":"service","embeddable":true,"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/service?post=632995"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/industry?post=632995"},{"taxonomy":"partners","embeddable":true,"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/partners?post=632995"},{"taxonomy":"blog-topic","embeddable":true,"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/blog-topic?post=632995"},{"taxonomy":"content-group","embeddable":true,"href":"https:\/\/www.capgemini.com\/br-pt\/wp-json\/wp\/v2\/content-group?post=632995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}