{"id":628597,"date":"2026-09-24T04:22:50","date_gmt":"2023-09-14T01:00:00","guid":{"rendered":"https:\/\/www.capgemini.com\/?post_type=research-and-insight&#038;p=835951"},"modified":"2026-10-08T10:46:45","modified_gmt":"2026-10-08T13:46:45","slug":"world-payments-report","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-payments-report\/","title":{"rendered":"World Payments Report 2027"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Capcom-banner_2880x1800px-1.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Capcom-banner_2880x1800px-1.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Capcom-banner_2880x1800px-1.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Capcom-banner_2880x1800px-1.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Capcom-banner_2880x1800px-1.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Capcom-banner_2880x1800px-1.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Capcom-banner_2880x1800px-1.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Capcom-banner_2880x1800px-1.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Capcom-banner_2880x1800px-1.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:39% 50%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Inova\u00e7\u00e3o<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">World Payments Report 2027<\/h1><\/div><h2 class=\"reasearchInsightTitle\"><strong>Agora, o dinheiro realmente nunca dorme: a ascens\u00e3o do dinheiro inteligente acelerado nos pagamentos B2B.<\/strong><\/h2><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"#linkToForm\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download do relat\u00f3rio<\/span><span class=\"type\">2 MB pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n<p><!-- [GEO ADD] JSON-LD Report + Person e CSS de modo escuro \/ t\u00edtulos brancos --><\/p>\n\n\n<script type=\"application\/ld+json\">\n{\n \"@context\": \"https:\/\/schema.org\",\n \"@graph\": [\n  {\n   \"@type\": \"Report\",\n   \"@id\": \"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-payments-report\/#report\",\n   \"name\": \"World Payments Report 2027\",\n   \"headline\": \"Now money really never sleeps: The rise of accelerated intelligent money in B2B payments\",\n   \"description\": 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class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-payments-report\/\" 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?url=https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-payments-report\/&amp;text=World%20Payments%20Report%202027\" 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?url=https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-payments-report\/&amp;text=World%20Payments%20Report%202027\" 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><div class=\"article-text article-quote-text\">\n\n<p class=\"geo-source\" style=\"font-size:14px; color:#6b7280; margin:0 0 20px 0;\">Publicado em <time datetime=\"2026-09-24\">setembro de 2026<\/time> \u2014 <strong>Capgemini Research Institute for Financial Services<\/strong> \u00b7 Edi\u00e7\u00e3o brasileira com an\u00e1lise da Capgemini Brasil<\/p>\n\n\n<p class=\"wp-block-paragraph\" id=\"h-the-global-payments-industry-continues-to-build-on-a-decade-of-sustained-digital-payments-momentum-as-instant-payments-become-increasingly-embedded-in-commercial-ecosystems-while-60-of-banks-prioritized-business-to-business-b2b-payment-innovation-during-the-past-three-years-only-32-of-corporate-clients-report-satisfaction-with-their-primary-banking-partner-the-issue-is-no-longer-simply-whether-money-moves-fast-enough-now-corporations-are-increasingly-seeking-greater-visibility-predictability-liquidity-control-embedded-compliance-and-reconciliation-across-the-full-b2b-payments-lifecycle-1\">O <strong>World Payments Report 2027<\/strong>, do Capgemini Research Institute, mostra que o setor de pagamentos completa uma d\u00e9cada de avan\u00e7o cont\u00ednuo dos pagamentos digitais, com os pagamentos instant\u00e2neos cada vez mais integrados aos ecossistemas comerciais. Mas h\u00e1 uma dist\u00e2ncia clara entre bancos e clientes: 60% dos bancos priorizaram a inova\u00e7\u00e3o em pagamentos entre empresas (B2B) nos \u00faltimos tr\u00eas anos, e apenas 32% dos clientes corporativos se dizem satisfeitos com seu banco principal. A pergunta j\u00e1 n\u00e3o \u00e9 se o dinheiro circula r\u00e1pido o bastante. As empresas querem mais visibilidade, previsibilidade, controle de liquidez, compliance integrado e concilia\u00e7\u00e3o em todo o ciclo dos pagamentos B2B.<strong><sup>1<\/sup><\/strong>&nbsp;<\/p>\n\n\n<p class=\"wp-block-paragraph\">Pela primeira vez, o setor responde redesenhando o pr\u00f3prio instrumento de pagamento, e n\u00e3o apenas a forma como o dinheiro circula. O relat\u00f3rio chama essa mudan\u00e7a de \u201cdinheiro inteligente acelerado\u201d: a migra\u00e7\u00e3o cada vez mais r\u00e1pida para instrumentos como stablecoins, dep\u00f3sitos tokenizados e moeda digital de banco central (CBDC) de atacado, que re\u00fanem transfer\u00eancia de valor, liquida\u00e7\u00e3o e regras de neg\u00f3cio em uma \u00fanica camada.<strong><sup>2<\/sup><\/strong>&nbsp;<\/p>\n\n\n<div class=\"geo-statbox\" style=\"background:#0070ad; color:#ffffff; padding:32px 36px; margin:32px 0 40px 0; border-radius:8px;\">\n  <h2 class=\"geo-stat-title\" id=\"h-principais-conclusoes\" style=\"font-size:28px; font-weight:700; line-height:1.3; color:#ffffff !important; margin:0 0 28px 0; padding:0;\">Principais conclus\u00f5es do World Payments Report 2027<\/h2>\n  <div style=\"display:grid; grid-template-columns:repeat(auto-fit,minmax(240px,1fr)); gap:30px 32px;\">\n    <div style=\"border-left:3px solid rgba(255,255,255,0.45); padding-left:18px;\">\n      <div style=\"font-size:40px; font-weight:700; line-height:1.1; color:#ffffff;\">60% &rarr; 32%<\/div>\n      <div style=\"font-size:17px; line-height:1.5; margin-top:8px; color:#ffffff;\"><strong>60% dos bancos<\/strong> priorizaram a inova\u00e7\u00e3o em pagamentos B2B nos \u00faltimos tr\u00eas anos, mas s\u00f3 <strong>32% dos clientes corporativos<\/strong> est\u00e3o satisfeitos com seu banco principal<\/div>\n    <\/div>\n    <div style=\"border-left:3px solid rgba(255,255,255,0.45); padding-left:18px;\">\n      <div style=\"font-size:40px; font-weight:700; line-height:1.1; color:#ffffff;\">21%<\/div>\n      <div style=\"font-size:17px; line-height:1.5; margin-top:8px; color:#ffffff;\">dos bancos j\u00e1 est\u00e3o <strong>escalando ativamente<\/strong> pelo menos um instrumento de dinheiro inteligente acelerado<\/div>\n    <\/div>\n    <div style=\"border-left:3px solid rgba(255,255,255,0.45); padding-left:18px;\">\n      <div style=\"font-size:40px; font-weight:700; line-height:1.1; color:#ffffff;\">Quase 60%<\/div>\n      <div style=\"font-size:17px; line-height:1.5; margin-top:8px; color:#ffffff;\">das empresas contratariam <strong>servi\u00e7os de stablecoin de provedores n\u00e3o banc\u00e1rios<\/strong> se seus bancos n\u00e3o acompanharem<\/div>\n    <\/div>\n    <div style=\"border-left:3px solid rgba(255,255,255,0.45); padding-left:18px;\">\n      <div style=\"font-size:40px; font-weight:700; line-height:1.1; color:#ffffff;\">36%<\/div>\n      <div style=\"font-size:17px; line-height:1.5; margin-top:8px; color:#ffffff;\">do volume de pagamentos B2B <strong>j\u00e1 passa por provedores n\u00e3o banc\u00e1rios<\/strong><\/div>\n    <\/div>\n    <div style=\"border-left:3px solid rgba(255,255,255,0.45); padding-left:18px;\">\n      <div style=\"font-size:40px; font-weight:700; line-height:1.1; color:#ffffff;\">74%<\/div>\n      <div style=\"font-size:17px; line-height:1.5; margin-top:8px; color:#ffffff;\">das empresas descrevem os pagamentos internacionais como <strong>lentos, caros e imprevis\u00edveis<\/strong><\/div>\n    <\/div>\n    <div style=\"border-left:3px solid rgba(255,255,255,0.45); padding-left:18px;\">\n      <div style=\"font-size:40px; font-weight:700; line-height:1.1; color:#ffffff;\">4%<\/div>\n      <div style=\"font-size:17px; line-height:1.5; margin-top:8px; color:#ffffff;\">do volume global de pagamentos pode passar por <strong>stablecoins, dep\u00f3sitos tokenizados e CBDCs<\/strong> at\u00e9 2030<\/div>\n    <\/div>\n    <div style=\"border-left:3px solid rgba(255,255,255,0.45); padding-left:18px;\">\n      <div style=\"font-size:40px; font-weight:700; line-height:1.1; color:#ffffff;\">US$ 4 tri<\/div>\n      <div style=\"font-size:17px; line-height:1.5; margin-top:8px; color:#ffffff;\">est\u00e3o parados, em m\u00e9dia, em <strong>contas nostro e vostro<\/strong> para sustentar liquida\u00e7\u00f5es internacionais<\/div>\n    <\/div>\n    <div style=\"border-left:3px solid rgba(255,255,255,0.45); padding-left:18px;\">\n      <div style=\"font-size:40px; font-weight:700; line-height:1.1; color:#ffffff;\">US$ 230 bi<\/div>\n      <div style=\"font-size:17px; line-height:1.5; margin-top:8px; color:#ffffff;\">em receitas de pagamentos (cerca de <strong>10% do total do setor<\/strong>) est\u00e3o expostos \u00e0 disrup\u00e7\u00e3o<\/div>\n    <\/div>\n  <\/div>\n  <div style=\"margin-top:24px; padding-top:16px; border-top:1px solid rgba(255,255,255,0.25); font-size:13px; line-height:1.5; color:#ffffff; opacity:0.85;\">Fonte: Capgemini Research Institute for Financial Services, World Payments Report 2027 (2026). Pesquisa Global com Empresas (n=1.110) e Pesquisa com Executivos Banc\u00e1rios (n=300), realizadas entre maio e junho de 2026 em nove mercados.<\/div>\n<\/div>\n\n\n<h2 id=\"h-o-que-esta-mudando-nos-pagamentos-b2b\" class=\"wp-block-heading\">O que est\u00e1 mudando nos pagamentos B2B<\/h2>\n\n\n<p class=\"wp-block-paragraph\">Os pagamentos B2B est\u00e3o deixando de ser apenas mais r\u00e1pidos para se tornarem program\u00e1veis. Segundo o relat\u00f3rio, o gargalo das empresas n\u00e3o \u00e9 mais a velocidade da rede: a Swift informa que 90% dos pagamentos internacionais chegam ao banco do destinat\u00e1rio em at\u00e9 uma hora, mas a jornada corporativa completa, da inicia\u00e7\u00e3o \u00e0 confirma\u00e7\u00e3o e concilia\u00e7\u00e3o, leva em m\u00e9dia cerca de <strong>3,5 dias<\/strong>. Autentica\u00e7\u00e3o, triagem de compliance, aprova\u00e7\u00f5es e concilia\u00e7\u00e3o continuam gerando atrasos.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Uma grande empresa t\u00edpica opera em <strong>14 mercados<\/strong>, mant\u00e9m <strong>11 relacionamentos banc\u00e1rios<\/strong> e realiza <strong>34% do seu volume B2B<\/strong> em opera\u00e7\u00f5es internacionais. Por isso, 74% descrevem os pagamentos internacionais como lentos, caros e imprevis\u00edveis, 59% enfrentam press\u00e3o em contas a pagar e a receber por prazos mais longos e 55% relatam atrasos de concilia\u00e7\u00e3o causados por sistemas legados.<strong><sup>3<\/sup><\/strong><\/p>\n\n\n<h3 id=\"h-tres-instrumentos-de-dinheiro-inteligente-acelerado\" class=\"wp-block-heading\">Tr\u00eas instrumentos de dinheiro inteligente acelerado<\/h3>\n\n\n<p class=\"wp-block-paragraph\">O relat\u00f3rio compara os novos instrumentos com os pagamentos instant\u00e2neos, que continuam sendo a refer\u00eancia de mercado:<\/p>\n\n\n<table class=\"geo-table\" style=\"width:100%; border-collapse:collapse; margin:16px 0 8px 0; font-size:15px; line-height:1.5;\">\n<thead><tr style=\"background:#e8f2f8;\"><th style=\"text-align:left; padding:10px; border:1px solid #d1d5db;\">Dimens\u00e3o<\/th><th style=\"text-align:left; padding:10px; border:1px solid #d1d5db;\">Pagamentos instant\u00e2neos<\/th><th style=\"text-align:left; padding:10px; border:1px solid #d1d5db;\">Dep\u00f3sitos tokenizados<\/th><th style=\"text-align:left; padding:10px; border:1px solid #d1d5db;\">Stablecoins<\/th><th style=\"text-align:left; padding:10px; border:1px solid #d1d5db;\">CBDCs<\/th><\/tr><\/thead>\n<tbody>\n<tr><td style=\"padding:10px; border:1px solid #d1d5db;\"><strong>Emissor<\/strong><\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Banco central (via bancos comerciais)<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Bancos regulados<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Entidades privadas<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Banco central<\/td><\/tr>\n<tr><td style=\"padding:10px; border:1px solid #d1d5db;\"><strong>Lastro<\/strong><\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Dep\u00f3sitos em conta<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">1:1 em dep\u00f3sitos<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">1:1 (ou sobrecolateralizado) em moeda fiduci\u00e1ria ou ativos l\u00edquidos de alta qualidade<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">1:1 soberano<\/td><\/tr>\n<tr><td style=\"padding:10px; border:1px solid #d1d5db;\"><strong>Acesso<\/strong><\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Amplo (varejo e atacado), baseado em conta<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Permissionado, apenas participantes aprovados<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Redes abertas, carteiras autocustodiadas 24\/7<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Institui\u00e7\u00f5es eleg\u00edveis (atacado); acesso controlado (varejo)<\/td><\/tr>\n<tr><td style=\"padding:10px; border:1px solid #d1d5db;\"><strong>Rendimento para o usu\u00e1rio final<\/strong><\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Juros do dep\u00f3sito retidos<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Juros do dep\u00f3sito retidos<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Principalmente retido pelo emissor, com modelos de repasse surgindo<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Retornos conservadores, alinhados \u00e0 pol\u00edtica monet\u00e1ria<\/td><\/tr>\n<tr><td style=\"padding:10px; border:1px solid #d1d5db;\"><strong>Prontid\u00e3o para execu\u00e7\u00e3o aut\u00f4noma<\/strong><\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Exige integra\u00e7\u00e3o espec\u00edfica por banco e por trilho<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Execu\u00e7\u00e3o direta dentro das redes participantes<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Execu\u00e7\u00e3o direta em ledgers compartilhados<\/td><td style=\"padding:10px; border:1px solid #d1d5db;\">Execu\u00e7\u00e3o direta dentro das restri\u00e7\u00f5es de pol\u00edtica<\/td><\/tr>\n<\/tbody><\/table>\n<p class=\"geo-source\" style=\"font-size:13px; color:#6b7280; margin:0 0 24px 0;\"><em>Fonte: Capgemini Research Institute for Financial Services, World Payments Report 2027 (2026), Figura 3.<\/em><\/p>\n\n\n<p class=\"wp-block-paragraph\">Na pesquisa com executivos banc\u00e1rios, os <strong>dep\u00f3sitos tokenizados<\/strong> aparecem como a principal prioridade de curto prazo, porque permanecem no balan\u00e7o do banco e se encaixam na regula\u00e7\u00e3o existente. As <strong>stablecoins<\/strong> v\u00eam em segundo lugar, pelo potencial de crescimento de receita e pela efici\u00eancia em fluxos internacionais. As <strong>CBDCs de atacado<\/strong> ficam em terceiro, valorizadas pelo controle de risco e pela liquida\u00e7\u00e3o interbanc\u00e1ria.<\/p>\n\n\n<h3 id=\"h-tres-forcas-aceleram-a-adocao\" class=\"wp-block-heading\">Tr\u00eas for\u00e7as aceleram a ado\u00e7\u00e3o<\/h3>\n\n\n<ol class=\"wp-block-list\">\n\n<li><strong>Regula\u00e7\u00e3o.<\/strong> O regime de stablecoins do MiCA, na Uni\u00e3o Europeia, est\u00e1 em vigor desde julho de 2023; Singapura passou a regular emissores de stablecoins em agosto de 2023; o GENIUS Act foi sancionado nos Estados Unidos em julho de 2025; e a Stablecoins Ordinance de Hong Kong entrou em vigor em agosto de 2025.<\/li>\n\n\n<li><strong>Limites da infraestrutura atual.<\/strong> A rede ficou mais r\u00e1pida, mas o fluxo B2B completo n\u00e3o acompanhou: 64% dos executivos relatam que a integra\u00e7\u00e3o com ERP e tesouraria continua complexa ou cara, e 57% ainda n\u00e3o t\u00eam acesso a status de pagamento, posi\u00e7\u00e3o de caixa ou pre\u00e7os em tempo real.<\/li>\n\n\n<li><strong>Mercado saindo do piloto.<\/strong> A demanda das empresas j\u00e1 pressiona os bancos: quase 60% contratariam servi\u00e7os de stablecoin de provedores n\u00e3o banc\u00e1rios se seus bancos n\u00e3o acompanharem.<\/li>\n\n<\/ol>\n\n\n<h3 id=\"h-o-papel-da-ia-e-dos-pagamentos-programaveis\" class=\"wp-block-heading\">O papel da IA e dos pagamentos program\u00e1veis<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Segundo o relat\u00f3rio, a IA permite que os bancos operem esses instrumentos em escala, coordenando decis\u00f5es, controles e execu\u00e7\u00e3o de forma cont\u00ednua entre trilhos e volumes de transa\u00e7\u00e3o. O estudo recomenda um <strong>motor de decis\u00e3o de IA sempre ativo<\/strong>: uma camada que avalia o que a transa\u00e7\u00e3o precisa (dados, liquidez e condi\u00e7\u00f5es de liquida\u00e7\u00e3o) e o que a governa (compliance, roteamento e risco) para determinar, em tempo real, como e por onde o valor deve se mover.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Como a liquida\u00e7\u00e3o desses instrumentos \u00e9 irrevog\u00e1vel, o compliance precisa ser incorporado \u00e0 pr\u00f3pria execu\u00e7\u00e3o, e n\u00e3o aplicado depois. O relat\u00f3rio descreve um sistema de defesa em tr\u00eas camadas, com monitoramento de blockchain, monitoramento de transa\u00e7\u00f5es e monitoramento do ecossistema, orquestradas por IA. Al\u00e9m disso, 70% dos executivos banc\u00e1rios acreditam que os pagamentos instant\u00e2neos e o dinheiro inteligente acelerado v\u00e3o convergir cada vez mais.<strong><sup>4<\/sup><\/strong><\/p>\n\n\n<h2 id=\"h-como-os-bancos-estao-se-posicionando\" class=\"wp-block-heading\">Como os bancos est\u00e3o se posicionando<\/h2>\n\n\n<p class=\"wp-block-paragraph\">O relat\u00f3rio recomenda que o setor siga o exemplo de um pequeno grupo de l\u00edderes: apenas 21% dos bancos j\u00e1 est\u00e3o escalando pelo menos um instrumento de dinheiro inteligente acelerado.<strong><sup>&nbsp;5<\/sup><\/strong> Esses l\u00edderes est\u00e3o fazendo escolhas estrat\u00e9gicas sobre como competir no futuro dos pagamentos, e cada posicionamento exige um n\u00edvel diferente de capacidade, investimento e compromisso:<\/p>\n\n\n<ol class=\"wp-block-list\">\n\n<li><strong>Participantes \u201creativos\u201d<\/strong> preservam o acesso dos clientes distribuindo solu\u00e7\u00f5es de terceiros, com investimento pr\u00f3prio m\u00ednimo. Nenhum dos l\u00edderes pretende adotar essa postura, contra 40% dos demais bancos.<\/li>\n\n\n<li><strong>Participantes \u201cofensivos\u201d<\/strong> investem seletivamente em corredores priorit\u00e1rios, segmentos de clientes ou casos de uso em que podem se diferenciar com mais efici\u00eancia. \u00c9 a postura de 67% dos l\u00edderes, contra 43% dos demais bancos.<\/li>\n\n\n<li><strong>Participantes \u201ctransformadores\u201d<\/strong> querem moldar o pr\u00f3prio ecossistema, investindo em infraestrutura compartilhada, padr\u00f5es t\u00e9cnicos e participa\u00e7\u00e3o na governan\u00e7a do mercado. \u00c9 a inten\u00e7\u00e3o de 33% dos l\u00edderes, contra 17% dos demais bancos.<\/li>\n\n<\/ol>\n\n\n<p class=\"wp-block-paragraph\">Todo banco tem diante de si essa mesma escolha, e o importante \u00e9 faz\u00ea-la agora: ficar parado n\u00e3o ser\u00e1 uma estrat\u00e9gia vencedora. Os bancos que se moverem primeiro, definindo onde v\u00e3o atuar, como v\u00e3o se diferenciar e quais capacidades precisam construir desde j\u00e1, v\u00e3o ditar as regras da competi\u00e7\u00e3o no setor de processamento de pagamentos.<\/p>\n\n\n<p class=\"wp-block-paragraph\">A vantagem dos bancos ainda \u00e9 real: 71% das empresas preferem um banco a uma fintech para pagamentos tokenizados, com custo e qualidade equivalentes. E os l\u00edderes esperam compensar a queda das receitas tradicionais em 15 meses, contra 25 meses para os demais bancos.<strong><sup>6<\/sup><\/strong><\/p>\n\n\n<div class=\"wp-block-cg-blocks-cta-popin-form\"><section class=\"cta-popin-form-block\"><div class=\"\"><div class=\"cta-popin-btn-wrapper cta-popin-btn-align-left\"><a class=\"cta-popin-btn cta-popin-btn--filled-black \" data-bs-toggle=\"modal\" data-bs-target=\"#cta-popin-8161b1bd-44f2-43df-93a7-8743c356d0bc\" tabindex=\"0\" href=\"#\">Baixe o relat\u00f3rio<\/a><\/div><div class=\"call-to-action-block\"><div class=\"modal cta-frontend-modal-wrapper\" id=\"cta-popin-8161b1bd-44f2-43df-93a7-8743c356d0bc\"><div class=\"modal-dialog modal-lg modal-dialog-centered modal-dialog-scrollable cta-frontend-modal landing-page-modals\"><div class=\"modal-content\"><div class=\"modal-header\"><button type=\"button\" class=\"btn-close\" data-bs-dismiss=\"modal\" aria-label=\"fechar\"> <\/button><\/div><div class=\"modal-body\"><div class=\"logo-wrapper\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/logo-white.svg\" alt=\"logo\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\" alt=\"logo\" class=\"light\"\/><\/div><h4 class=\"form-title\">Baixe agora<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_1244549_1383317657\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"asterisk_title\">\n\t\t\t\t\t<p><span class=\"star-required\">*<\/span> Campo obrigat\u00f3rio<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"mf_form__errors mf_form__errors--top\" role=\"alert\" aria-live=\"polite\">\n\t\t\t\t\t<ul class=\"mf_form__errors__list\"><\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"1244549\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"09997bb500\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\t\t\t\t\t<p>Obrigado! Recebemos o envio do seu formul\u00e1rio.\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>Lamentamos, o envio do formul\u00e1rio falhou. Por favor, tente novamente.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG1244549 = {\"1244549\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"wp-block-cg-blocks-cta-popin-form\"><section class=\"cta-popin-form-block\"><div class=\"\"><div class=\"cta-popin-btn-wrapper cta-popin-btn-align-left\"><a class=\"cta-popin-btn cta-popin-btn--filled-black \" data-bs-toggle=\"modal\" data-bs-target=\"#cta-popin-10782159-b4c0-4cbd-a7c5-fa238dd7be6c\" tabindex=\"0\" href=\"#\">Baixe o infogr\u00e1fico<\/a><\/div><div class=\"call-to-action-block\"><div class=\"modal cta-frontend-modal-wrapper\" id=\"cta-popin-10782159-b4c0-4cbd-a7c5-fa238dd7be6c\"><div class=\"modal-dialog modal-lg modal-dialog-centered modal-dialog-scrollable cta-frontend-modal landing-page-modals\"><div class=\"modal-content\"><div class=\"modal-header\"><button type=\"button\" class=\"btn-close\" data-bs-dismiss=\"modal\" aria-label=\"fechar\"> <\/button><\/div><div class=\"modal-body\"><div class=\"logo-wrapper\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/logo-white.svg\" alt=\"logo\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\" alt=\"logo\" class=\"light\"\/><\/div><h4 class=\"form-title\">Baixe agora<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_1244549_2624672133\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"asterisk_title\">\n\t\t\t\t\t<p><span class=\"star-required\">*<\/span> Campo obrigat\u00f3rio<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"mf_form__errors mf_form__errors--top\" role=\"alert\" aria-live=\"polite\">\n\t\t\t\t\t<ul class=\"mf_form__errors__list\"><\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"1244549\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"09997bb500\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\t\t\t\t\t<p>Obrigado! Recebemos o envio do seu formul\u00e1rio.\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>Lamentamos, o envio do formul\u00e1rio falhou. Por favor, tente novamente.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG1244549 = {\"1244549\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section><\/div>\n\n\n<div class=\"geo-dark\" style=\"background:#0f2b5b; color:#ffffff; padding:36px 40px; margin:40px 0; border-radius:8px; font-size:17px; line-height:1.65;\">\n  <h2 class=\"geo-stat-title\" id=\"h-o-que-isso-significa-para-bancos-e-empresas-brasileiras\" style=\"font-size:28px; font-weight:700; line-height:1.3; color:#ffffff !important; margin:0 0 20px 0; padding:0;\">O que isso significa para bancos e empresas brasileiras<\/h2>\n  <p style=\"margin:0 0 20px 0; padding:14px 18px; background:rgba(255,255,255,0.10); border-left:4px solid #9fd8ff; border-radius:0 6px 6px 0;\"><strong>Importante:<\/strong> Os n\u00fameros desta p\u00e1gina s\u00e3o globais. Esta se\u00e7\u00e3o traz a leitura da Capgemini Brasil sobre o que essas conclus\u00f5es indicam para o mercado brasileiro.<\/p>\n  <h3 style=\"font-size:21px; font-weight:700; color:#ffffff; margin:24px 0 10px 0;\">O que o estudo diz sobre a Am\u00e9rica Latina<\/h3>\n  <ul style=\"margin:0 0 8px 0; padding-left:22px;\">\n    <li style=\"margin-bottom:8px;\">A Am\u00e9rica Latina deve crescer <strong>23,8%<\/strong> em transa\u00e7\u00f5es de pagamento n\u00e3o monet\u00e1rias (B2B e B2C) entre 2025 e 2026, a segunda maior taxa entre as regi\u00f5es, atr\u00e1s apenas da \u00c1sia-Pac\u00edfico (24,9%).<\/li>\n    <li style=\"margin-bottom:8px;\">Entre 2025 e 2030, a proje\u00e7\u00e3o para a regi\u00e3o \u00e9 de crescimento anual composto de <strong>18,1%<\/strong>, de 214,4 bilh\u00f5es para 492,9 bilh\u00f5es de transa\u00e7\u00f5es.<\/li>\n    <li style=\"margin-bottom:8px;\">O relat\u00f3rio cita o <strong>Pix<\/strong>, plataforma de pagamentos instant\u00e2neos criada pelo Banco Central do Brasil, e o CoDi, do M\u00e9xico, como iniciativas que aceleram a transi\u00e7\u00e3o da regi\u00e3o para pagamentos digitais.<\/li>\n  <\/ul>\n  <h3 style=\"font-size:21px; font-weight:700; color:#ffffff; margin:24px 0 10px 0;\">A leitura da Capgemini Brasil<\/h3>\n  <p style=\"margin:0 0 14px 0;\">Para <strong>Daniela Dutra<\/strong>, l\u00edder de solu\u00e7\u00f5es para banking da Capgemini Brasil, os bancos investiram muito em pagamentos instant\u00e2neos, mas isso ainda n\u00e3o se materializou em valor para os clientes corporativos. O dado global de 60% de bancos priorizando inova\u00e7\u00e3o B2B contra 32% de empresas satisfeitas traduz essa dist\u00e2ncia.<\/p>\n  <ul style=\"margin:0 0 8px 0; padding-left:22px;\">\n    <li style=\"margin-bottom:8px;\"><strong>Receitas sob press\u00e3o.<\/strong> O relat\u00f3rio lista a receita de float entre as linhas expostas \u00e0 disrup\u00e7\u00e3o. Segundo Daniela, no Brasil essa press\u00e3o j\u00e1 \u00e9 sentida porque, com o Pix, \u201co dinheiro n\u00e3o para\u201d. Somada \u00e0 queda das tarifas, ela leva os bancos a buscar servi\u00e7os de valor agregado.<\/li>\n    <li style=\"margin-bottom:8px;\"><strong>Principalidade no atacado.<\/strong> Na vis\u00e3o da especialista, as maiores margens dos bancos est\u00e3o nas opera\u00e7\u00f5es de atacado. Oferecer ativos tokenizados e outros instrumentos de dinheiro inteligente \u00e9 uma forma de evitar que a empresa leve parte das opera\u00e7\u00f5es para outro provedor.<\/li>\n    <li style=\"margin-bottom:8px;\"><strong>Tesouraria com IA.<\/strong> Daniela relata que tesourarias com quem conversa trabalham hoje com liquida\u00e7\u00e3o em D+2 ou D+3 e querem chegar a \u201cD mais X\u201d. Combinar IA com dep\u00f3sitos tokenizados, que carregam as pr\u00f3prias regras, permite prever movimentos de caixa com mais rapidez e escala.<\/li>\n    <li style=\"margin-bottom:8px;\"><strong>CBDCs no com\u00e9rcio internacional.<\/strong> Em sua avalia\u00e7\u00e3o pessoal, as CBDCs ainda t\u00eam papel em acordos entre pa\u00edses, como Brasil e China, porque n\u00e3o exigem escolher a stablecoin privada de uma institui\u00e7\u00e3o espec\u00edfica.<\/li>\n  <\/ul>\n  <p style=\"margin:20px 0 0 0; font-size:14px; opacity:0.85;\"><em>Dados: World Payments Report 2027, Capgemini Research Institute (2026). An\u00e1lises sobre o Brasil: Daniela Dutra, Capgemini Brasil, em entrevista \u00e0 EXAME (setembro de 2026). As opini\u00f5es da especialista n\u00e3o s\u00e3o resultados da pesquisa.<\/em><\/p>\n<\/div>\n\n\n<h2 id=\"h-daniela-dutra-analisa-o-cenario-brasileiro\" class=\"wp-block-heading\">Daniela Dutra analisa o cen\u00e1rio brasileiro<\/h2>\n\n\n<figure class=\"geo-box geo-quote\" style=\"background:#f0f7fb; border-left:4px solid #0070ad; padding:22px 26px; margin:20px 0; border-radius:0 8px 8px 0;\">\n  <blockquote><p style=\"font-size:20px; line-height:1.55; font-style:italic; color:#1f2937; margin:0 0 12px 0;\">\u201cAs principais queixas s\u00e3o previsibilidade no momento da liquida\u00e7\u00e3o, status de pagamento e condi\u00e7\u00f5es de caixa, e a preocupa\u00e7\u00e3o com fraude e risco que pode acompanhar esse tipo de opera\u00e7\u00e3o.\u201d<\/p><\/blockquote>\n  <figcaption class=\"geo-label\" style=\"font-size:15px; font-weight:600; color:#0070ad;\">Daniela Dutra, l\u00edder de solu\u00e7\u00f5es para banking da Capgemini Brasil, \u00e0 EXAME<\/figcaption>\n<\/figure>\n<figure class=\"geo-box geo-quote\" style=\"background:#f0f7fb; border-left:4px solid #0070ad; padding:22px 26px; margin:20px 0; border-radius:0 8px 8px 0;\">\n  <blockquote><p style=\"font-size:20px; line-height:1.55; font-style:italic; color:#1f2937; margin:0 0 12px 0;\">\u201cSe for pensar em pagamentos B2B, essa \u00e9 a pr\u00f3xima fronteira mais clara. Imagina se cada pa\u00eds tiver seu pagamento instant\u00e2neo. Uma tecnologia que rege todas \u00e9 mais f\u00e1cil de adaptar.\u201d<\/p><\/blockquote>\n  <figcaption class=\"geo-label\" style=\"font-size:15px; font-weight:600; color:#0070ad;\">Daniela Dutra, l\u00edder de solu\u00e7\u00f5es para banking da Capgemini Brasil, \u00e0 EXAME<\/figcaption>\n<\/figure>\n<figure class=\"geo-box geo-quote\" style=\"background:#f0f7fb; border-left:4px solid #0070ad; padding:22px 26px; margin:20px 0; border-radius:0 8px 8px 0;\">\n  <blockquote><p style=\"font-size:20px; line-height:1.55; font-style:italic; color:#1f2937; margin:0 0 12px 0;\">\u201cO Brasil n\u00e3o est\u00e1 como respondente nessa pesquisa, mas, como esse \u00e9 um mercado extremamente globalizado, as mesmas conclus\u00f5es j\u00e1 nos d\u00e3o muita pista. As li\u00e7\u00f5es que est\u00e3o no relat\u00f3rio j\u00e1 fazem parte do nosso roadmap para levar aos clientes.\u201d<\/p><\/blockquote>\n  <figcaption class=\"geo-label\" style=\"font-size:15px; font-weight:600; color:#0070ad;\">Daniela Dutra, l\u00edder de solu\u00e7\u00f5es para banking da Capgemini Brasil, em entrevista \u00e0 EXAME<\/figcaption>\n<\/figure>\n\n\n<h2 id=\"h-capgemini-na-midia\" class=\"wp-block-heading\">Capgemini na m\u00eddia<\/h2>\n\n\n<div class=\"geo-plain\" style=\"border:1px solid #e5e7eb; border-radius:8px; padding:22px 26px; margin:16px 0 32px 0; font-size:17px; color:#374151; line-height:1.65;\">\n  <p style=\"margin:0 0 6px 0; font-size:14px; text-transform:uppercase; letter-spacing:0.6px;\"><strong>EXAME \u00b7 Future of Money<\/strong> \u00b7 <time datetime=\"2026-09-24\">24 de setembro de 2026<\/time><\/p>\n  <p style=\"margin:0 0 8px 0; font-size:20px; font-weight:700;\"><a href=\"https:\/\/exame.com\/future-of-money\/60-das-empresas-estao-dispostas-a-contratar-servicos-de-stablecoins-fora-de-bancos\/\" target=\"_blank\" rel=\"noopener noreferrer\">60% das empresas est\u00e3o dispostas a contratar servi\u00e7os de stablecoins fora de bancos<\/a><\/p>\n  <p style=\"margin:0;\">Reportagem de Ricardo Bomfim sobre o World Payments Report 2027, com entrevista de Daniela Dutra, da Capgemini Brasil.<\/p>\n<\/div>\n\n\n<h2 id=\"h-metodologia\" class=\"wp-block-heading\">Metodologia<\/h2>\n\n\n<div class=\"geo-box\" style=\"background:#f5f7fa; border-left:4px solid #0070ad; padding:24px 28px; margin:16px 0 32px 0; font-size:17px; line-height:1.65; border-radius:0 8px 8px 0;\">\n  <p style=\"margin:0 0 12px 0;\">O <strong>World Payments Report 2027<\/strong> baseia-se em duas fontes prim\u00e1rias, ambas conduzidas entre maio e junho de 2026:<\/p>\n  <ul style=\"margin:0 0 12px 0; padding-left:22px;\">\n    <li style=\"margin-bottom:8px;\"><strong>Pesquisa Global com Empresas 2026<\/strong> (Voice of the Payment Industry Survey): executivos seniores de <strong>1.110 grandes empresas<\/strong>, com receita acima de US$ 1 bilh\u00e3o, distribu\u00eddas igualmente entre seguros, manufatura e log\u00edstica\/transporte. Realizada em colabora\u00e7\u00e3o com a INJ Partners.<\/li>\n    <li style=\"margin-bottom:8px;\"><strong>Pesquisa Global com Executivos Banc\u00e1rios 2026<\/strong>: <strong>300 executivos banc\u00e1rios<\/strong> pesquisados e mais de 50 entrevistados em profundidade.<\/li>\n  <\/ul>\n  <p style=\"margin:0 0 12px 0;\"><strong>Mercados:<\/strong> Austr\u00e1lia, Emirados \u00c1rabes Unidos, Fran\u00e7a, Alemanha, Hong Kong, Pa\u00edses Baixos, Singapura, Reino Unido e Estados Unidos. <strong>O Brasil n\u00e3o integrou a amostra.<\/strong><\/p>\n  <p style=\"margin:0 0 12px 0;\"><strong>L\u00edderes e demais bancos:<\/strong> o estudo classifica como l\u00edderes os bancos que j\u00e1 escalam ativamente pelo menos um instrumento de dinheiro inteligente acelerado (21% da amostra). Os demais (79%) ainda est\u00e3o pilotando, avaliando ou n\u00e3o consideram esses instrumentos.<\/p>\n  <p class=\"geo-source\" style=\"font-size:13px; color:#6b7280; margin:12px 0 0 0;\"><em>Fonte: Capgemini Research Institute for Financial Services, World Payments Report 2027 (2026).<\/em><\/p>\n<\/div>\n\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit is-align-center\"><div class=\"container\"><div><div class=\"row\"><div class=\"col-12 col-md-2\"><\/div><div class=\"content-title col-12 col-md-8\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">Leitura adicional<\/h2><\/div><\/div><div class=\"row\"><div class=\"col-12 col-md-2\"><\/div><div class=\"col-12 col-md-8\"><p><\/p><\/div><\/div><\/div><div class=\"row\"><div class=\"col-12 col-md-2\"><\/div><div class=\"col-12 col-md-8\"><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Edi\u00e7\u00f5es anteriores do World Payments Report<\/h3><\/div><div class=\"expander-content\"><p><a href=\"https:\/\/www.capgemini.com\/br-pt\/research-and-insight\/world-payments-report-2026\/\" type=\"link\" id=\"https:\/\/www.capgemini.com\/br-pt\/research-and-insight\/world-payments-report-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\">World Payments Report 2026<\/a><br><a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/world-payments-report-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">World Payments Report 2025<\/a><br><a href=\"\/insights\/research-library\/world-payments-report-2023\/\" target=\"_blank\" rel=\"noreferrer noopener\">World Payments Report 2023<\/a><br><a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/08\/WPR-2022.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">World Payments Report 2022<\/a><br><a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/08\/World-Payments-Report_2021_Web.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">World Payments Report 2021<\/a><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Notas finais<\/h3><\/div><div class=\"expander-content\"><p>1. An\u00e1lise do Capgemini Research Institute for Financial Services, 2026. <br>2. An\u00e1lise do Capgemini Research Institute for Financial Services, 2026. <br>3. An\u00e1lise do Capgemini Research Institute for Financial Services, 2026. <br>4. An\u00e1lise do Capgemini Research Institute for Financial Services, 2026. <br>5. An\u00e1lise do Capgemini Research Institute for Financial Services, 2026. <br>6. An\u00e1lise do Capgemini Research Institute for Financial Services, 2026. <\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Avisos legais e agradecimentos<\/h3><\/div><div class=\"expander-content\"><p>As informa\u00e7\u00f5es deste relat\u00f3rio t\u00eam car\u00e1ter geral e n\u00e3o constituem aconselhamento jur\u00eddico, tribut\u00e1rio, de investimentos, financeiro ou profissional. A Capgemini n\u00e3o se responsabiliza por erros, omiss\u00f5es ou pelo uso deste material. Este relat\u00f3rio tem fins exclusivamente informativos e pode n\u00e3o atender \u00e0s suas necessidades espec\u00edficas. A Capgemini n\u00e3o se responsabiliza por eventuais imprecis\u00f5es de tradu\u00e7\u00e3o e fornece as informa\u00e7\u00f5es &#8220;no estado em que se encontram&#8221;, sem garantias de qualquer natureza. A Capgemini n\u00e3o se responsabiliza por perdas decorrentes do uso destas informa\u00e7\u00f5es.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-intro-para section section--intro\"><div class=\"intro-para\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-8 offset-md-2\"><h2 class=\"intro-para-title\">Hist\u00f3rias de clientes<\/h2><\/div><\/div><\/div><\/div><\/section>\n\n\n\t<section class=\"wp-block-cg-blocks-wrapper-learning-slider section learning-slider\">\n\t\t<div class=\"container\">\n\t\t\t<div class=\"learning-header\">\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\n\t<div class=\"slider slider-fader\">\n\t\t\t\t<div class=\"slider-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide active card-learning-slide right-card short-copy\" data-align-right=\"false\" data-long-copy=\"false\">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-bg-wrapper\">\n\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"slide-bg d-md-block\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/Secuirty-Bank-Corporation-client-story-web-banner.webp\" alt=\"\" style=\"object-position: 43% 24%;object-fit: cover\" \/>\n\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper card-learning-slider\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-10 col-xl-6 col-xxl-6 right-card\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info short-copy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"title-link\" href=\"https:\/\/www.capgemini.com\/us-en\/news\/client-stories\/security-banks-seamless-payments-experience-supports-90-growth-in-instant-payments\/\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-text\" data-maxlength=\"88\">Security Bank cresce 90% em pagamentos instant\u00e2neos com experi\u00eancia sem atrito<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p data-maxlength=\"330\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tProcessos mais simples para a equipe e para os clientes, com a integra\u00e7\u00e3o de seis trilhos de pagamento, abrem caminho para o crescimento no mercado.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\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\t<div class=\"box-bottom\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info-footer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"brand-logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\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\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\">\t<a class=\"more2\" aria-label=\"Leia mais sobre Security Bank cresce 90% em pagamentos instant\u00e2neos com experi\u00eancia sem atrito\" tabindex=\"0\" href=\"https:\/\/www.capgemini.com\/us-en\/news\/client-stories\/security-banks-seamless-payments-experience-supports-90-growth-in-instant-payments\/\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLeia mais\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t\t\t\t\t\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\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide active card-learning-slide right-card short-copy\" data-align-right=\"false\" data-long-copy=\"false\">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-bg-wrapper\">\n\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"slide-bg d-md-block\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Frog-Chase-Client-Story-Banner.jpeg\" alt=\"\" style=\"object-position: 43% 24%;object-fit: cover\" \/>\n\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper card-learning-slider\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-10 col-xl-6 col-xxl-6 right-card\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info short-copy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"title-link\" href=\"https:\/\/www.frog.co\/work\/modernizing-pos-hardware-for-smbs\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-text\" data-maxlength=\"88\">Um sistema de PDV de nova gera\u00e7\u00e3o para a Chase Payment Solutions<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p data-maxlength=\"330\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tVeja como modernizar a experi\u00eancia no ponto de venda\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\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\t<div class=\"box-bottom\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info-footer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"brand-logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\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\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\">\t<a class=\"more2\" aria-label=\"Leia mais sobre Um sistema de PDV de nova gera\u00e7\u00e3o para a Chase Payment Solutions\" tabindex=\"-1\" href=\"https:\/\/www.frog.co\/work\/modernizing-pos-hardware-for-smbs\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLeia mais\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t\t\t\t\t\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\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide active card-learning-slide right-card short-copy\" data-align-right=\"false\" data-long-copy=\"false\">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-bg-wrapper\">\n\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"slide-bg d-md-block\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/07\/Tokenized-Transition-Google-Cloud-Platform-CapCom-Banner-2880x1800-1.jpg\" alt=\"\" style=\"object-position: 50% 50%;object-fit: cover\" \/>\n\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper card-learning-slider\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-10 col-xl-6 col-xxl-6 right-card\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info short-copy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"title-link\" href=\"https:\/\/www.capgemini.com\/us-en\/news\/client-stories\/transforming-data-protection-accelerates-payment-technology-providers-cloud-journey\/\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-text\" data-maxlength=\"88\">Acelerando a jornada para a nuvem<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p data-maxlength=\"330\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tA transforma\u00e7\u00e3o da prote\u00e7\u00e3o de dados acelera a migra\u00e7\u00e3o para a nuvem de um provedor de tecnologia de pagamentos.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\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\t<div class=\"box-bottom\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info-footer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"brand-logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\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\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\">\t<a class=\"more2\" aria-label=\"Leia mais sobre Acelerando a jornada para a nuvem\" tabindex=\"-1\" href=\"https:\/\/www.capgemini.com\/us-en\/news\/client-stories\/transforming-data-protection-accelerates-payment-technology-providers-cloud-journey\/\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLeia mais\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t\t\t\t\t\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\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide active card-learning-slide right-card short-copy\" data-align-right=\"false\" data-long-copy=\"false\">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-bg-wrapper\">\n\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"slide-bg d-md-block\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/07\/23-Insights-JPM_DM-Header-1.png\" alt=\"\" style=\"object-position: 50% 50%;object-fit: cover\" \/>\n\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper card-learning-slider\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-10 col-xl-6 col-xxl-6 right-card\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info short-copy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"title-link\" href=\"https:\/\/www.frog.co\/designmind\/return-on-innovation-winning-in-invisible-banking\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-text\" data-maxlength=\"88\">Retorno sobre a inova\u00e7\u00e3o: como vencer no banking invis\u00edvel<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p data-maxlength=\"330\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tComo pagamentos por dispositivos vest\u00edveis podem criar experi\u00eancias fluidas em resorts, jogos e outros setores, com uma abordagem que une moda e tecnologia?\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\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\t<div class=\"box-bottom\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info-footer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"brand-logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\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\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\">\t<a class=\"more2\" aria-label=\"Leia mais sobre Retorno sobre a inova\u00e7\u00e3o: como vencer no banking invis\u00edvel\" tabindex=\"-1\" href=\"https:\/\/www.frog.co\/designmind\/return-on-innovation-winning-in-invisible-banking\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLeia mais\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t\t\t\t\t\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\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide active card-learning-slide right-card short-copy\" data-align-right=\"false\" data-long-copy=\"false\">\n\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-bg-wrapper\">\n\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"slide-bg d-md-block\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/07\/Capgemini_Client-Stories_Entercard.jpg\" alt=\"\" style=\"object-position: 50% 50%;object-fit: cover\" \/>\n\t\t\t\t\t\t\t\t\t\t\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\n\t\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper card-learning-slider\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-lg-10 col-xl-6 col-xxl-6 right-card\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info short-copy\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"title-link\" href=\"https:\/\/www.capgemini.com\/us-en\/news\/client-stories\/digital-customer-experiences-at-scale-by-entercard\/\" target=\"_blank\" rel=\"noopener noreferrer\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"title-text\" data-maxlength=\"88\">Entercard leva experi\u00eancias digitais aos clientes em escala<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p data-maxlength=\"330\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tEm parceria com a Capgemini, a Entercard oferece experi\u00eancias fluidas aos clientes com jornadas automatizadas e orientadas por dados.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\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\t<div class=\"box-bottom\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-info-footer\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"brand-logo-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\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<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\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\t\t<div class=\"col-12 col-md-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\">\t<a class=\"more2\" aria-label=\"Leia mais sobre Entercard leva experi\u00eancias digitais aos clientes em escala\" tabindex=\"-1\" href=\"https:\/\/www.capgemini.com\/us-en\/news\/client-stories\/digital-customer-experiences-at-scale-by-entercard\/\" target=\"_blank\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tLeia mais\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t\t\t\t\t\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\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"slider-nav-wrapper container\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"slider-nav-content col-12 col-lg-10 col-xl-6 col-xxl-6\" data-nav-content>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slide-nav-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"slider-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button class=\"slider-prev inactive\" aria-label=\"Slider-previous\" tabindex=\"-1\"><\/button>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button class=\"slider-next\" aria-label=\"Slider-next\" tabindex=\"0\"><\/button>\n\t\t\t\t\t\t\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\t\t\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\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t<\/section>\n\n\t\t\n\n<p><!-- [GEO] FAQ com schema FAQPage. Colar SOMENTE no Code Editor. Nunca abrir este bloco no editor visual. --><\/p>\n\n\n<div data-open-first=\"false\" class=\"wp-block-cg-blocks-cg-blocks-faq-schema\"><section class=\"wp-block-cg-blocks-cg-blocks-faq-schema section section--faqs-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"content-title\"><h2>Perguntas frequentes<\/h2><\/div><div class=\"filters filters--vertical\" data-max=\"100\"><div class=\"expanders filters-content\">\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>O que \u00e9 o World Payments Report 2027 da Capgemini?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">O World Payments Report 2027 \u00e9 o relat\u00f3rio anual do Capgemini Research Institute for Financial Services sobre a ind\u00fastria global de pagamentos. A edi\u00e7\u00e3o 2027, intitulada <strong>\u201cNow money really never sleeps: The rise of accelerated intelligent money in B2B payments\u201d<\/strong>, analisa a ascens\u00e3o do <strong>dinheiro inteligente acelerado<\/strong> (stablecoins, dep\u00f3sitos tokenizados e CBDCs) nos pagamentos B2B. O estudo combina pesquisa com 1.110 grandes empresas e 300 executivos banc\u00e1rios em nove mercados.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Qual \u00e9 o futuro dos pagamentos B2B?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">Segundo o relat\u00f3rio, o futuro dos pagamentos B2B \u00e9 program\u00e1vel, e n\u00e3o apenas mais r\u00e1pido. As empresas querem previsibilidade de liquida\u00e7\u00e3o, visibilidade em tempo real do status de pagamento e da posi\u00e7\u00e3o de caixa e prote\u00e7\u00e3o contra fraude. Hoje, a jornada de um pagamento corporativo internacional leva em m\u00e9dia cerca de <strong>3,5 dias<\/strong>, e <strong>74%<\/strong> das empresas descrevem os pagamentos internacionais como lentos, caros e imprevis\u00edveis. A Capgemini estima que stablecoins, dep\u00f3sitos tokenizados e CBDCs podem representar cerca de <strong>4% do volume global de pagamentos at\u00e9 2030<\/strong>.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>O que s\u00e3o pagamentos com dinheiro inteligente acelerado?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">\u00c9 o termo que o relat\u00f3rio usa para instrumentos de pagamento que combinam transfer\u00eancia de valor, liquida\u00e7\u00e3o e regras de neg\u00f3cio em uma \u00fanica camada: <strong>stablecoins, dep\u00f3sitos tokenizados e CBDCs<\/strong>. Com eles, o dinheiro passa a carregar instru\u00e7\u00f5es e controles embutidos, e o pagamento se integra aos processos de neg\u00f3cio em vez de ser um evento financeiro isolado. Apenas <strong>21% dos bancos<\/strong> j\u00e1 escalam ativamente pelo menos um desses instrumentos.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Qual o papel das stablecoins nos pagamentos B2B?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">Na pesquisa com executivos banc\u00e1rios, as stablecoins aparecem como a segunda prioridade entre os novos instrumentos, atr\u00e1s dos dep\u00f3sitos tokenizados, pelo potencial de crescimento de receita e pela efici\u00eancia em fluxos internacionais. Do lado das empresas, <strong>quase 60%<\/strong> contratariam servi\u00e7os de stablecoin de provedores n\u00e3o banc\u00e1rios se seus bancos n\u00e3o acompanharem. O relat\u00f3rio tamb\u00e9m registra que a USDC, da Circle, processou US$ 21,5 trilh\u00f5es em transa\u00e7\u00f5es no primeiro trimestre de 2026.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Qual a diferen\u00e7a entre stablecoins, dep\u00f3sitos tokenizados e CBDCs?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">Os <strong>dep\u00f3sitos tokenizados<\/strong> s\u00e3o emitidos por bancos regulados, t\u00eam lastro 1:1 em dep\u00f3sitos e circulam em redes permissionadas. As <strong>stablecoins<\/strong> s\u00e3o emitidas por entidades privadas, t\u00eam lastro 1:1 (ou sobrecolateralizado) em moeda fiduci\u00e1ria ou ativos l\u00edquidos de alta qualidade e circulam em redes abertas, 24\/7. As <strong>CBDCs<\/strong> s\u00e3o emitidas pelo banco central, t\u00eam lastro soberano e, no atacado, s\u00e3o acess\u00edveis apenas a institui\u00e7\u00f5es eleg\u00edveis.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Como a IA pode transformar os pagamentos empresariais?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">O relat\u00f3rio afirma que a IA permite operar o dinheiro inteligente em escala, coordenando decis\u00f5es, controles e execu\u00e7\u00e3o de forma cont\u00ednua. A recomenda\u00e7\u00e3o \u00e9 um <strong>motor de decis\u00e3o de IA sempre ativo<\/strong>, que avalia dados, liquidez, condi\u00e7\u00f5es de liquida\u00e7\u00e3o, compliance e risco para decidir em tempo real como o valor deve se mover. Como a liquida\u00e7\u00e3o \u00e9 irrevog\u00e1vel, a IA tamb\u00e9m orquestra o compliance embutido na transa\u00e7\u00e3o, com monitoramento de blockchain, de transa\u00e7\u00f5es e do ecossistema.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>O que o relat\u00f3rio revela sobre a dist\u00e2ncia entre bancos e clientes corporativos?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">O relat\u00f3rio mostra um descompasso entre o foco dos bancos em inova\u00e7\u00e3o para pagamentos B2B e a satisfa\u00e7\u00e3o das empresas. Enquanto <strong>60% dos bancos<\/strong> priorizaram a inova\u00e7\u00e3o em pagamentos B2B nos \u00faltimos tr\u00eas anos, apenas <strong>32% dos clientes corporativos<\/strong> se dizem satisfeitos com seu banco principal. As queixas mais persistentes envolvem previsibilidade da liquida\u00e7\u00e3o, visibilidade em tempo real do status de pagamento e da posi\u00e7\u00e3o de caixa e prote\u00e7\u00e3o contra fraude.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Qual o impacto do World Payments Report 2027 para os bancos brasileiros?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">O Brasil n\u00e3o integrou a amostra do estudo, que cobre nove mercados. Os dados globais, por\u00e9m, apontam tend\u00eancias relevantes: o relat\u00f3rio projeta crescimento de <strong>23,8%<\/strong> das transa\u00e7\u00f5es n\u00e3o monet\u00e1rias na Am\u00e9rica Latina entre 2025 e 2026 e cita o Pix como acelerador da digitaliza\u00e7\u00e3o na regi\u00e3o. Para Daniela Dutra, da Capgemini Brasil, como o mercado \u00e9 globalizado, as conclus\u00f5es d\u00e3o pistas relevantes e j\u00e1 fazem parte do roadmap da empresa com seus clientes. Entre os pontos de aten\u00e7\u00e3o est\u00e3o a press\u00e3o sobre receitas de tarifa e de float e a disputa pela principalidade no atacado.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Em qual pesquisa o World Payments Report 2027 \u00e9 baseado?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">O relat\u00f3rio se baseia na Pesquisa Global com Empresas 2026, com executivos de <strong>1.110 grandes empresas<\/strong> (receita acima de US$ 1 bilh\u00e3o) nos setores de seguros, manufatura e log\u00edstica\/transporte, e na Pesquisa Global com Executivos Banc\u00e1rios 2026, com <strong>300 executivos<\/strong> pesquisados e mais de 50 entrevistados. As duas foram realizadas entre maio e junho de 2026, em Austr\u00e1lia, Emirados \u00c1rabes Unidos, Fran\u00e7a, Alemanha, Hong Kong, Pa\u00edses Baixos, Singapura, Reino Unido e Estados Unidos.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-cg-block-card-faq-schema expander-box filter-box tag-active\"><div class=\"expander-title\" role=\"button\" tabindex=\"0\" aria-expanded=\"false\"><h3>Quem deve ler o World Payments Report 2027?<\/h3><\/div><div class=\"expander-content\">\n<p class=\"wp-block-paragraph\">O relat\u00f3rio interessa a bancos, empresas e demais participantes do setor de pagamentos que buscam entender a evolu\u00e7\u00e3o dos pagamentos B2B, a moderniza\u00e7\u00e3o dos sistemas de pagamento, os pagamentos instant\u00e2neos, as novas tecnologias de pagamento e o futuro da infraestrutura financeira.<\/p>\n<\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section><\/div>\n\n\n\n<section class=\"wp-block-cg-blocks-call-to-action undefined is-style-cg-secondary-3 call-to-action-block\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper has-description\"><div class=\"text-wrapper has-description\"><h3 class=\"title\" data-maxlength=\"144\">Fique informado<\/h3><p class=\"description\" data-maxlength=\"210\">Inscreva-se para receber o World Payments Report e outros conte\u00fados de thought leadership da Capgemini.<\/p><\/div><div class=\"button-wrapper has-description\"><a class=\"cta-btn action-valid\" data-bs-toggle=\"modal\" data-bs-target=\"#CTA946f3a28_0d19_41ad_a1ac_8b3bfe4e2e73\" data-maxlength=\"24\" tabindex=\"0\" href=\"#\"> Inscreva-se <\/a><\/div><div class=\"modal cta-frontend-modal-wrapper\" id=\"CTA946f3a28_0d19_41ad_a1ac_8b3bfe4e2e73\"><div class=\"modal-dialog modal-lg modal-dialog-centered modal-dialog-scrollable cta-frontend-modal\"><div class=\"modal-content\"><div class=\"modal-header\"><button type=\"button\" class=\"btn-close\" data-bs-dismiss=\"modal\" aria-label=\"close\"> <\/button><\/div><div class=\"modal-body\"><div class=\"logo-wrapper\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/logo-white.svg\" alt=\"logo\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\" alt=\"logo\" class=\"light\"\/><\/div><h4 class=\"form-title\">Inscreva-se<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_637332_833078368\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"asterisk_title\">\n\t\t\t\t\t<p><span class=\"star-required\">*<\/span> Campo obrigat\u00f3rio<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"mf_form__errors mf_form__errors--top\" role=\"alert\" aria-live=\"polite\">\n\t\t\t\t\t<ul class=\"mf_form__errors__list\"><\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_637087_4156_2728841820\" name=\"_mf_637087_4156\" placeholder=\"Nome\" required \/><label for=\"_mf_637087_4156_2728841820\" class=\"form-label\">Nome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_637087_9383_1051911028\" name=\"_mf_637087_9383\" placeholder=\"Sobrenome\" required \/><label for=\"_mf_637087_9383_1051911028\" class=\"form-label\">Sobrenome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_637087_1330_2905499870\" name=\"_mf_637087_1330\" placeholder=\"E-mail\" required \/><label for=\"_mf_637087_1330_2905499870\" class=\"form-label\">E-mail <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\">\n\t\t<select tabindex=\"0\" class=\"mac-form-selects form-control empty\"\n\t\t\tid=\"_mf_637332_2184_1296005937\"\n\t\t\tname=\"_mf_637332_2184\"\n\t\t\trequired\t\t>\n\t\t\t<option value=\"\">Selecione um valor<\/option>\n\t\t\t\t\t\t\t<option value=\"yes\">Sim<\/option>\n\t\t\t\t\t\t\t<option value=\"no\">N\u00e3o<\/option>\n\t\t\t\t\t<\/select>\n\n\t\t<label for=\"_mf_637332_2184_1296005937\" class=\"form-label\">Voc\u00ea consideraria ser entrevistado para uma pesquisa? <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Voc\u00ea consideraria ser entrevistado para uma pesquisa? n\u00e3o \u00e9 v\u00e1lido.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\">\n\t\t<select tabindex=\"0\" class=\"mac-form-selects form-control empty\"\n\t\t\tid=\"_mf_637332_6071_3603843016\"\n\t\t\tname=\"_mf_637332_6071\"\n\t\t\trequired\t\t>\n\t\t\t<option value=\"\">Selecione um valor<\/option>\n\t\t\t\t\t\t\t<option value=\"Assistant\/secretary\">Assistente\/secret\u00e1ria<\/option>\n\t\t\t\t\t\t\t<option value=\"CDO\/CMO\">CDO\/CMO<\/option>\n\t\t\t\t\t\t\t<option value=\"CEO\">CEO<\/option>\n\t\t\t\t\t\t\t<option value=\"CFO\">CFO<\/option>\n\t\t\t\t\t\t\t<option value=\"Chairman\/Board of Directors\">Presidente\/Conselho de Administra\u00e7\u00e3o<\/option>\n\t\t\t\t\t\t\t<option value=\"CIO\/CTO\">CIO\/CTO<\/option>\n\t\t\t\t\t\t\t<option value=\"Consultant\/Senior Consultant\">Consultor\/Consultor S\u00eanior<\/option>\n\t\t\t\t\t\t\t<option value=\"Director\/Principle Consultant\">Diretor\/Consultor Principal<\/option>\n\t\t\t\t\t\t\t<option value=\"EVP\">EVP<\/option>\n\t\t\t\t\t\t\t<option value=\"Manager\">Gerente<\/option>\n\t\t\t\t\t\t\t<option value=\"Operational\">Operacional<\/option>\n\t\t\t\t\t\t\t<option value=\"Other CXO\">Outro CXO<\/option>\n\t\t\t\t\t\t\t<option value=\"Purchaser\">Comprador<\/option>\n\t\t\t\t\t\t\t<option value=\"Senior Manager\/Managing Consultant\">Gerente s\u00eanior\/Consultor administrativo<\/option>\n\t\t\t\t\t\t\t<option value=\"SVP\">SVP<\/option>\n\t\t\t\t\t\t\t<option value=\"Vice President\">Vice Presidente<\/option>\n\t\t\t\t\t<\/select>\n\n\t\t<label for=\"_mf_637332_6071_3603843016\" class=\"form-label\">Cargo <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Cargo n\u00e3o \u00e9 v\u00e1lido.<\/div><\/div>\n\t\t<div class=\"mf-field-wrapper mf_field--multiselect form-floating mf-required\"\n\t\t\tdata-validate=\"multiselect\">\n\n\t\t\t<label class=\"floating__label\" for=\"_mf_637332_3034_2304639402\">\n\t\t\t\tInteresse \t\t\t<\/label>\n\n\t\t\t<select multiple=\"true\" id=\"_mf_637332_3034_2304639402\" class=\"mf_field__input js-with-select2 empty\"\n\t\t\t\tname=\"_mf_637332_3034[]\" required>\n\t\t\t\t<option value=\"all\">All<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Aerospace &amp; Defense\">Aeroespacial e Defesa<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Automotive\">Automotivo<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Banking and capital markets\">Mercados banc\u00e1rios e de capitais<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Cloud\">Cloud<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Consumer products\">Produtos de consumo<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Customer Experience\">Experi\u00eancia do cliente<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Cybersecurity\">Cybersecurity<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Data and AI\">Data e IA<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Enterprise Management\">Gerenciamento de empresas<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Energy and utilities\">Energia e servi\u00e7os p\u00fablicos<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Healthcare\">Healthcare<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"High tech\">High tech<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Insurance\">Seguros<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Intelligent industry\">Setor inteligente<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Life Sciences\">Life Sciences<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Manufacturing\">Fabrica\u00e7\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Public sector\">Setor p\u00fablico<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Retail\">Varejo<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Sustainability\">Sustentabilidade<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Telcoms\">Telecomunica\u00e7\u00f5es<\/option>\n\t\t\t\t\t\t\t<\/select>\n\n\t\t\t<div class=\"invalid-feedback-frm\">Interesse n\u00e3o \u00e9 v\u00e1lido.<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_637087_875_3329545318\" class=\"floating__label form-country-select-label\" data-content=\"Pa\u00eds\">\n\t\t\t\t<span class=\"floating-label-content\">Pa\u00eds<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_637087_875_3329545318\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_637087_875\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Pa\u00eds<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afeganist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Alb\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Alemanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguila<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antilhas Holandesas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Ant\u00e1rtida<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Ant\u00edgua e Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Arg\u00e9lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Arm\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Ar\u00e1bia Saudita<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Austr\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaij\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bielorr\u00fassia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bol\u00edvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botsuana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brasil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulg\u00e1ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >But\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >B\u00e9lgica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >B\u00f3snia e Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cabo Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Camar\u00f5es<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Camboja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canad\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Catar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Cazaquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chade<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Chipre<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Col\u00f4mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comores<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Rep\u00fablica Democr\u00e1tica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Coreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Costa do Marfim<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Cro\u00e1cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Dinamarca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egito<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >Emirados \u00c1rabes Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Equador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Eslov\u00e1quia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Eslov\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Espanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Est\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Eti\u00f3pia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Federa\u00e7\u00e3o Russa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Filipinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >Fran\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gab\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Gana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Ge\u00f3rgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >Ge\u00f3rgia do Sul e Ilhas Sandwich do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Granada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Groenl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Gr\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadalupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Guiana Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Guin\u00e9 Equatorial<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guin\u00e9-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >G\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Ilha Bouvet<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Ilha Christmas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Ilha Heard e Ilhas McDonald<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Ilha Norfolk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Ilha de Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Ilhas Aland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Ilhas Cayman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Ilhas Cocos (Keeling)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Ilhas Cook<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Ilhas Falkland (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Ilhas Faroe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Ilhas Marianas do Norte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Ilhas Marshall<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Ilhas Menores Distantes dos Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Ilhas Salom\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Ilhas Turks e Caicos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Ilhas Virgens Brit\u00e2nicas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Ilhas Virgens dos EUA<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indon\u00e9sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraque<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Ir\u00e3, Rep\u00fablica Isl\u00e2mica do<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Isl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >It\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >I\u00e9men<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Jamahiriya \u00c1rabe L\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Jap\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jord\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesoto<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Let\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Lib\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Litu\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxemburgo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >L\u00edbano<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Maced\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madag\u00e1scar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldivas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Mal\u00e1sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Marrocos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Maurit\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Maur\u00edcio<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Mianmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micron\u00e9sia, Estados Federados da<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Mold\u00e1via<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mong\u00f3lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mo\u00e7ambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >M\u00e9xico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >M\u00f4naco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Nam\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicar\u00e1gua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nig\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Noruega<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nova Caled\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nova Zel\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >N\u00edger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Om\u00e3<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panam\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua-Nova Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Paquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Pa\u00edses Baixos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >Polin\u00e9sia Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Pol\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Porto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Quirguist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Qu\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >Reino Unido<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Rep\u00fablica Centro-Africana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Rep\u00fablica Democr\u00e1tica Popular do Laos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Rep\u00fablica Dominicana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Rep\u00fablica Tcheca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Rep\u00fablica \u00c1rabe S\u00edria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reuni\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Rom\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Ruanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Saara Ocidental<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre e Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >Samoa Americana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Santa Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Santa L\u00facia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Santa S\u00e9 (Estado da Cidade do Vaticano)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seicheles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Serra Leoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapura<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Som\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Suazil\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sud\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Su\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Su\u00ed\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard e Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >S\u00e3o Bartolomeu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >S\u00e3o Crist\u00f3v\u00e3o e Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >S\u00e3o Martinho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >S\u00e3o Tom\u00e9 e Pr\u00edncipe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >S\u00e3o Vicente e Granadinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >S\u00e9rvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tail\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajiquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanz\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >Territ\u00f3rio Brit\u00e2nico do Oceano \u00cdndico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Territ\u00f3rio Palestino Ocupado<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Territ\u00f3rios Franceses do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad e Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tun\u00edsia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turcomenist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turquia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ucr\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbequist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Viet Nam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis e Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimb\u00e1bue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Z\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >\u00c1frica do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >\u00c1ustria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >\u00cdndia<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = $(this);\n\t\t\t\t\t\tvar clickCount = 0;\n                        \/\/ On change\n                        $select.on('click', function() {\n\t\t\t\t\t\t\tclickCount++;\n\t\t\t\t\t\t\tif (clickCount === 1) {\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').addClass('active');\n\t\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\t\tclickCount 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class=\"form-check-input\"\n\t\t\t\tname=\"_mf_637087_35[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_637087_35_36060888\" class=\"form-check-label consent-text\">\n\t\t\t\tAo enviar este formul\u00e1rio, concordo com o processamento de meus dados pessoais pela Capgemini para ser contatado em rela\u00e7\u00e3o a ofertas de pagamentos e informa\u00e7\u00f5es relacionadas. &nbsp;\t\t\t<\/label>\n\n\t\t<\/div>\n\t\t<div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div>\t\t\t<div class=\"mf_field mf_field--recaptcha\">\n\t\t\t\t<div class=\"g-recaptcha\" data-sitekey=\"6Lc3OpIUAAAAADY4ErEHF0HF6Tr7vuknduDU-fbl\"><\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"mf_field mf_field--submit\" >\n\t\t\t\t<div class=\"slide-button-background button-background\">\n\t\t\t\t\t<label for=\"slider-submit-_mf_637087_9590\" class=\"slide-text\">\n\t\t\t\t\t\tDeslize para enviar\t\t\t\t\t<\/label>\n\t\t\t\t\t<input\n\t\t\t\t\t\tid=\"slider-submit-_mf_637087_9590\"\n\t\t\t\t\t\ttype=\"range\"\n\t\t\t\t\t\tclass=\"mf_field__input slider-frm-btn\"\n\t\t\t\t\t\trel=\"_mf_637087_9590\"\n\t\t\t\t\t\tmin=\"0\"\n\t\t\t\t\t\tmax=\"100\"\n\t\t\t\t\t\tvalue=\"0\"\n\t\t\t\t\t\taria-label=\"Slide to submit\"\n\t\t\t\t\t\taria-describedby=\"slide-instruction-_mf_637087_9590\"\n\t\t\t\t\t\taria-valuenow=\"0\"\n\t\t\t\t\t\taria-valuemin=\"0\"\n\t\t\t\t\t\taria-valuemax=\"100\"\n\t\t\t\t\t\taria-orientation=\"horizontal\"\n\t\t\t\t\t\trole=\"slider\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\/>\n\t\t\t\t\t<!-- Arrow\/tick icon element: Firefox and Safari don't render ::before\/::after on inputs -->\n\t\t\t\t\t<span class=\"slider-icon\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<span id=\"slide-instruction-_mf_637087_9590\" class=\"sr-only\">\n\t\t\t\t\t\tUse right arrow keys to slide, or drag right with your finger. When you reach 100 percent, the form is submitted.\t\t\t\t\t<\/span>\n\t\t\t\t\t<!-- Mobile-only submit button fallback -->\n\t\t\t\t\t<button type=\"submit\" class=\"mf-mobile-submit-btn\" disabled>\n\t\t\t\t\t\t<span class=\"sr-only\">If you use a screen reader or VoiceOver, double-tap this button to submit the form.<\/span>\n\t\t\t\t\t\tDeslize para enviar\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Deslize para enviar\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Enviado\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"637332\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"revamp-dti-report-subscription-new\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"09997bb500\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\tSeu formul\u00e1rio foi enviado com sucesso. Obrigado por sua inscri\u00e7\u00e3o.<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>Lamentamos, o envio do formul\u00e1rio falhou. Por favor, tente novamente.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG637332 = {\"637332\":{\"errors\":{\"_mf_637087_4156\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_637087_9383\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_637087_1330\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_637087_875\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_637087_6427\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_637087_35\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\"},\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n<div class=\"wrapper-get-in-touch-block\">\n<section class=\"wp-block-cg-blocks-wrapper-get-in-touch section get-in-touch-block\"><div class=\"container\"><div class=\"row\"><div class=\"content-title col-12 col-md-8\"><h2 class=\"getintouch-heading\">Conhe\u00e7a nossos especialistas<\/h2><\/div><\/div><div><div class=\"cg-slider show-card\"><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/03\/Gareth-Wilson-2.jpg\" alt=\"Gareth Wilson\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Gareth Wilson<\/h3><p class=\"box-position\">L\u00edder global da ind\u00fastria banc\u00e1ria<\/p><p class=\"box-company\">Capgemini<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/06\/Jeroen-Holscher-2-2.jpg\" alt=\"Jeroen H\u00f6lscher\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Jeroen H\u00f6lscher<\/h3><p class=\"box-position\">Head global de servi\u00e7os de pagamento<\/p><p class=\"box-company\">Capgemini<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/12\/Florian-Forst.jpg\" alt=\"Florian Forst\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Florian Forst<\/h3><p class=\"box-position\">Head global de pagamentos da Capgemini Invent<\/p><p class=\"box-company\">Capgemini<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/03\/Ravi-Vikram-2.jpg\" alt=\"Ravi Vikram\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Ravi Vikram<\/h3><p class=\"box-position\">Vice-presidente e l\u00edder de cart\u00f5es e pagamentos<\/p><p class=\"box-company\">Capgemini<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/11\/mivaja.jpg\" alt=\"Michel Vaja\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Michel Vaja<\/h3><p class=\"box-position\">Head de servi\u00e7os de pagamento para a Europa<\/p><p class=\"box-company\">Capgemini<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Michael_Levens.jpg\" alt=\"Michael Levens\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Michael Levens<\/h3><p class=\"box-position\">Vice-presidente e s\u00f3cio da Capgemini Invent, l\u00edder de pagamentos em servi\u00e7os financeiros<\/p><p class=\"box-company\">Capgemini<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/09\/Sriram.png\" alt=\"Sriram Kannan\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Sriram Kannan<\/h3><p class=\"box-position\">Diretor s\u00eanior e l\u00edder global de tecnologia para pagamentos e bancos<\/p><p class=\"box-company\">Capgemini<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/03\/luca.jpeg\" alt=\"Luca Russignan\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Luca Russignan<\/h3><p class=\"box-position\">Head global do Capgemini Research Institute for Financial Services<\/p><p class=\"box-company\">Capgemini<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/10\/Vivek.jpg\" alt=\"Vivek Singh\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Vivek Singh<\/h3><p class=\"box-position\">Head de bancos do Capgemini Research Institute for Financial Services<\/p><p class=\"box-company\">Capgemini<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><\/div><div class=\"cg-slider hide-card\">\t<p class=\"setting-message\">\n\t\tPlease select person from right-hand side settings\t<\/p>\n\t\n\n\t<p class=\"setting-message\">\n\t\tPlease select person from right-hand side settings\t<\/p>\n\t\n\n\t<p class=\"setting-message\">\n\t\tPlease select person from right-hand side settings\t<\/p>\n\t<\/div><\/div><\/div><\/section>\n<\/div>\n\n<section class=\"latest-insights layout-odd \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Pesquisas e insights relacionados<\/h2><\/div><div class=\"layout-single-card\">\n                      <div class=\"row align-items-center w-lg-100\">\n                        <div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-payments-report-2026\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/10\/Capcom-Webpage-Banner_2880x1800-11.jpg?w=2048&#038;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/10\/Capcom-Webpage-Banner_2880x1800-11.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/10\/Capcom-Webpage-Banner_2880x1800-11.jpg?w=1024&#038;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/10\/Capcom-Webpage-Banner_2880x1800-11.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/10\/Capcom-Webpage-Banner_2880x1800-11.jpg?w=1024&#038;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/10\/Capcom-Webpage-Banner_2880x1800-11.jpg?w=2048&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/10\/Capcom-Webpage-Banner_2880x1800-11.jpg?w=500&#038;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/10\/Capcom-Webpage-Banner_2880x1800-11.jpg?w=1000&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/10\/Capcom-Webpage-Banner_2880x1800-11.jpg\" alt=\"Payment report hero\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div>\n                            <div class=\"col-12 col-md-5 col-lg-7\"><\/div>\n                        <div class=\"col-12 col-md-7 col-lg-5\">\n                            <a href=\"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-payments-report-2026\/\" aria-label=\"World Payments Report 2026\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">World Payments Report 2026<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\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-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                     <\/div>\n                    <\/div><div class=\"layout-two-card cards-reversed\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-corporate-and-investment-banking-report\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2026\/03\/WCIB-2026_Webpage-Banner_2880x1800px_db1c3a.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-md-6 col-lg-4 flex-sm-order-reverse\">\n                            <a href=\"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/3a-edicao-do-indice-de-maturidade-do-open-finance-no-brasil-como-maximizar-o-valor-do-ecossistema-opf\/\" aria-label=\"3\u00aa edi\u00e7\u00e3o do \u00cdndice de Maturidade do Open Finance no Brasil: como maximizar o valor do ecossistema OpF?\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Financial Services reports<\/div>\n                                <h3 class=\"card-title\">3\u00aa edi\u00e7\u00e3o do \u00cdndice de Maturidade do Open Finance no Brasil: como maximizar o valor do ecossistema OpF?<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-white.svg\" alt=\"capgemini\" class=\"light\">\n\t\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=\"capgemini\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/world-corporate-and-investment-banking-report\/\" aria-label=\"World Corporate and Investment Banking Report\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Capgemini Research Institute<\/div>\n                                <h3 class=\"card-title\">World Corporate and Investment Banking Report<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\">\n\t\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-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><\/div>\n                    <\/div><\/div><\/section>\n\n\n<section class=\"wp-block-cg-blocks-call-to-action undefined is-style-cg-secondary-3 call-to-action-block\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper has-description\"><div class=\"text-wrapper has-description\"><h3 class=\"title\" data-maxlength=\"144\">Fique informado<\/h3><p class=\"description\" data-maxlength=\"210\">Inscreva-se para receber os World Reports de servi\u00e7os financeiros da Capgemini<br><\/p><\/div><div class=\"button-wrapper has-description\"><a class=\"cta-btn action-valid\" data-bs-toggle=\"modal\" data-bs-target=\"#CTA946f3a28_0d19_41ad_a1ac_8b3bfe4e2e73\" data-maxlength=\"24\" tabindex=\"0\" href=\"#\"> Inscreva-se <\/a><\/div><div class=\"modal cta-frontend-modal-wrapper\" id=\"CTA946f3a28_0d19_41ad_a1ac_8b3bfe4e2e73\"><div class=\"modal-dialog modal-lg modal-dialog-centered modal-dialog-scrollable cta-frontend-modal\"><div class=\"modal-content\"><div class=\"modal-header\"><button type=\"button\" class=\"btn-close\" data-bs-dismiss=\"modal\" aria-label=\"close\"> <\/button><\/div><div class=\"modal-body\"><div class=\"logo-wrapper\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/logo-white.svg\" alt=\"logo\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/logo.svg\" alt=\"logo\" class=\"light\"\/><\/div><h4 class=\"form-title\">Inscreva-se<\/h4>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_637332_3069673970\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"asterisk_title\">\n\t\t\t\t\t<p><span class=\"star-required\">*<\/span> Campo obrigat\u00f3rio<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"mf_form__errors mf_form__errors--top\" role=\"alert\" aria-live=\"polite\">\n\t\t\t\t\t<ul class=\"mf_form__errors__list\"><\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_637087_4156_2449976674\" name=\"_mf_637087_4156\" placeholder=\"Nome\" required \/><label for=\"_mf_637087_4156_2449976674\" class=\"form-label\">Nome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_637087_9383_2091844416\" name=\"_mf_637087_9383\" placeholder=\"Sobrenome\" required \/><label for=\"_mf_637087_9383_2091844416\" class=\"form-label\">Sobrenome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_637087_1330_2932918375\" name=\"_mf_637087_1330\" placeholder=\"E-mail\" required \/><label for=\"_mf_637087_1330_2932918375\" class=\"form-label\">E-mail <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\">\n\t\t<select tabindex=\"0\" class=\"mac-form-selects form-control empty\"\n\t\t\tid=\"_mf_637332_2184_649328056\"\n\t\t\tname=\"_mf_637332_2184\"\n\t\t\trequired\t\t>\n\t\t\t<option value=\"\">Selecione um valor<\/option>\n\t\t\t\t\t\t\t<option value=\"yes\">Sim<\/option>\n\t\t\t\t\t\t\t<option value=\"no\">N\u00e3o<\/option>\n\t\t\t\t\t<\/select>\n\n\t\t<label for=\"_mf_637332_2184_649328056\" class=\"form-label\">Voc\u00ea consideraria ser entrevistado para uma pesquisa? <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Voc\u00ea consideraria ser entrevistado para uma pesquisa? n\u00e3o \u00e9 v\u00e1lido.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\">\n\t\t<select tabindex=\"0\" class=\"mac-form-selects form-control empty\"\n\t\t\tid=\"_mf_637332_6071_1534919889\"\n\t\t\tname=\"_mf_637332_6071\"\n\t\t\trequired\t\t>\n\t\t\t<option value=\"\">Selecione um valor<\/option>\n\t\t\t\t\t\t\t<option value=\"Assistant\/secretary\">Assistente\/secret\u00e1ria<\/option>\n\t\t\t\t\t\t\t<option value=\"CDO\/CMO\">CDO\/CMO<\/option>\n\t\t\t\t\t\t\t<option value=\"CEO\">CEO<\/option>\n\t\t\t\t\t\t\t<option value=\"CFO\">CFO<\/option>\n\t\t\t\t\t\t\t<option value=\"Chairman\/Board of Directors\">Presidente\/Conselho de Administra\u00e7\u00e3o<\/option>\n\t\t\t\t\t\t\t<option value=\"CIO\/CTO\">CIO\/CTO<\/option>\n\t\t\t\t\t\t\t<option value=\"Consultant\/Senior Consultant\">Consultor\/Consultor S\u00eanior<\/option>\n\t\t\t\t\t\t\t<option value=\"Director\/Principle Consultant\">Diretor\/Consultor Principal<\/option>\n\t\t\t\t\t\t\t<option value=\"EVP\">EVP<\/option>\n\t\t\t\t\t\t\t<option value=\"Manager\">Gerente<\/option>\n\t\t\t\t\t\t\t<option value=\"Operational\">Operacional<\/option>\n\t\t\t\t\t\t\t<option value=\"Other CXO\">Outro CXO<\/option>\n\t\t\t\t\t\t\t<option value=\"Purchaser\">Comprador<\/option>\n\t\t\t\t\t\t\t<option value=\"Senior Manager\/Managing Consultant\">Gerente s\u00eanior\/Consultor administrativo<\/option>\n\t\t\t\t\t\t\t<option value=\"SVP\">SVP<\/option>\n\t\t\t\t\t\t\t<option value=\"Vice President\">Vice Presidente<\/option>\n\t\t\t\t\t<\/select>\n\n\t\t<label for=\"_mf_637332_6071_1534919889\" class=\"form-label\">Cargo <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Cargo n\u00e3o \u00e9 v\u00e1lido.<\/div><\/div>\n\t\t<div class=\"mf-field-wrapper mf_field--multiselect form-floating mf-required\"\n\t\t\tdata-validate=\"multiselect\">\n\n\t\t\t<label class=\"floating__label\" for=\"_mf_637332_3034_941454984\">\n\t\t\t\tInteresse \t\t\t<\/label>\n\n\t\t\t<select multiple=\"true\" id=\"_mf_637332_3034_941454984\" class=\"mf_field__input js-with-select2 empty\"\n\t\t\t\tname=\"_mf_637332_3034[]\" required>\n\t\t\t\t<option value=\"all\">All<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Aerospace &amp; Defense\">Aeroespacial e Defesa<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Automotive\">Automotivo<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Banking and capital markets\">Mercados banc\u00e1rios e de capitais<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Cloud\">Cloud<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Consumer products\">Produtos de consumo<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Customer Experience\">Experi\u00eancia do cliente<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Cybersecurity\">Cybersecurity<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Data and AI\">Data e IA<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Enterprise Management\">Gerenciamento de empresas<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Energy and utilities\">Energia e servi\u00e7os p\u00fablicos<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Healthcare\">Healthcare<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"High tech\">High tech<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Insurance\">Seguros<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Intelligent industry\">Setor inteligente<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Life Sciences\">Life Sciences<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Manufacturing\">Fabrica\u00e7\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Public sector\">Setor p\u00fablico<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Retail\">Varejo<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Sustainability\">Sustentabilidade<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Telcoms\">Telecomunica\u00e7\u00f5es<\/option>\n\t\t\t\t\t\t\t<\/select>\n\n\t\t\t<div class=\"invalid-feedback-frm\">Interesse n\u00e3o \u00e9 v\u00e1lido.<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_637087_875_2205629412\" class=\"floating__label form-country-select-label\" data-content=\"Pa\u00eds\">\n\t\t\t\t<span class=\"floating-label-content\">Pa\u00eds<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_637087_875_2205629412\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_637087_875\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Pa\u00eds<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afeganist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Alb\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Alemanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguila<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antilhas Holandesas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Ant\u00e1rtida<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Ant\u00edgua e Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Arg\u00e9lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Arm\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Ar\u00e1bia Saudita<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Austr\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaij\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bielorr\u00fassia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bol\u00edvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botsuana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brasil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulg\u00e1ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >But\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >B\u00e9lgica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >B\u00f3snia e Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cabo Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Camar\u00f5es<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Camboja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canad\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Catar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Cazaquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chade<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Chipre<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Col\u00f4mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comores<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Rep\u00fablica Democr\u00e1tica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Coreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Costa do Marfim<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Cro\u00e1cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Dinamarca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egito<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >Emirados \u00c1rabes Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Equador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Eslov\u00e1quia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Eslov\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Espanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Est\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Eti\u00f3pia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Federa\u00e7\u00e3o Russa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Filipinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >Fran\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gab\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Gana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Ge\u00f3rgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >Ge\u00f3rgia do Sul e Ilhas Sandwich do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Granada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Groenl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Gr\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadalupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Guiana Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Guin\u00e9 Equatorial<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guin\u00e9-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >G\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Ilha Bouvet<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Ilha Christmas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Ilha Heard e Ilhas McDonald<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Ilha Norfolk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Ilha de Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Ilhas Aland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Ilhas Cayman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Ilhas Cocos (Keeling)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Ilhas Cook<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Ilhas Falkland (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Ilhas Faroe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Ilhas Marianas do Norte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Ilhas Marshall<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Ilhas Menores Distantes dos Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Ilhas Salom\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Ilhas Turks e Caicos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Ilhas Virgens Brit\u00e2nicas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Ilhas Virgens dos EUA<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indon\u00e9sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraque<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Ir\u00e3, Rep\u00fablica Isl\u00e2mica do<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Isl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >It\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >I\u00e9men<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Jamahiriya \u00c1rabe L\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Jap\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jord\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesoto<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Let\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Lib\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Litu\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxemburgo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >L\u00edbano<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Maced\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madag\u00e1scar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldivas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Mal\u00e1sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Marrocos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Maurit\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Maur\u00edcio<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Mianmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micron\u00e9sia, Estados Federados da<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Mold\u00e1via<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mong\u00f3lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mo\u00e7ambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >M\u00e9xico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >M\u00f4naco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Nam\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicar\u00e1gua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nig\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Noruega<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nova Caled\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nova Zel\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >N\u00edger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Om\u00e3<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panam\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua-Nova Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Paquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Pa\u00edses Baixos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >Polin\u00e9sia Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Pol\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Porto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Quirguist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Qu\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >Reino Unido<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Rep\u00fablica Centro-Africana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Rep\u00fablica Democr\u00e1tica Popular do Laos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Rep\u00fablica Dominicana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Rep\u00fablica Tcheca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Rep\u00fablica \u00c1rabe S\u00edria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reuni\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Rom\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Ruanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Saara Ocidental<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre e Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >Samoa Americana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Santa Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Santa L\u00facia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Santa S\u00e9 (Estado da Cidade do Vaticano)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seicheles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Serra Leoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapura<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Som\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Suazil\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sud\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Su\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Su\u00ed\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard e Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >S\u00e3o Bartolomeu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >S\u00e3o Crist\u00f3v\u00e3o e Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >S\u00e3o Martinho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >S\u00e3o Tom\u00e9 e Pr\u00edncipe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >S\u00e3o Vicente e Granadinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >S\u00e9rvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tail\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajiquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanz\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >Territ\u00f3rio Brit\u00e2nico do Oceano \u00cdndico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Territ\u00f3rio Palestino Ocupado<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Territ\u00f3rios Franceses do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad e Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tun\u00edsia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turcomenist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turquia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ucr\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbequist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Viet Nam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis e Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimb\u00e1bue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Z\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >\u00c1frica do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >\u00c1ustria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >\u00cdndia<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = 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class=\"form-label\">Empresa <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<div class=\"form-check checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_637087_35_2809092483\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_637087_35[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_637087_35_2809092483\" class=\"form-check-label consent-text\">\n\t\t\t\tAo enviar este formul\u00e1rio, concordo com o processamento de meus dados pessoais pela Capgemini para ser contatado em rela\u00e7\u00e3o a ofertas de pagamentos e informa\u00e7\u00f5es relacionadas. &nbsp;\t\t\t<\/label>\n\n\t\t<\/div>\n\t\t<div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div>\t\t\t<div class=\"mf_field mf_field--recaptcha\">\n\t\t\t\t<div class=\"g-recaptcha\" data-sitekey=\"6Lc3OpIUAAAAADY4ErEHF0HF6Tr7vuknduDU-fbl\"><\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"mf_field mf_field--submit\" >\n\t\t\t\t<div class=\"slide-button-background button-background\">\n\t\t\t\t\t<label for=\"slider-submit-_mf_637087_9590\" class=\"slide-text\">\n\t\t\t\t\t\tDeslize para enviar\t\t\t\t\t<\/label>\n\t\t\t\t\t<input\n\t\t\t\t\t\tid=\"slider-submit-_mf_637087_9590\"\n\t\t\t\t\t\ttype=\"range\"\n\t\t\t\t\t\tclass=\"mf_field__input slider-frm-btn\"\n\t\t\t\t\t\trel=\"_mf_637087_9590\"\n\t\t\t\t\t\tmin=\"0\"\n\t\t\t\t\t\tmax=\"100\"\n\t\t\t\t\t\tvalue=\"0\"\n\t\t\t\t\t\taria-label=\"Slide to submit\"\n\t\t\t\t\t\taria-describedby=\"slide-instruction-_mf_637087_9590\"\n\t\t\t\t\t\taria-valuenow=\"0\"\n\t\t\t\t\t\taria-valuemin=\"0\"\n\t\t\t\t\t\taria-valuemax=\"100\"\n\t\t\t\t\t\taria-orientation=\"horizontal\"\n\t\t\t\t\t\trole=\"slider\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\/>\n\t\t\t\t\t<!-- Arrow\/tick icon element: Firefox and Safari don't render 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When you reach 100 percent, the form is submitted.\t\t\t\t\t<\/span>\n\t\t\t\t\t<!-- Mobile-only submit button fallback -->\n\t\t\t\t\t<button type=\"submit\" class=\"mf-mobile-submit-btn\" disabled>\n\t\t\t\t\t\t<span class=\"sr-only\">If you use a screen reader or VoiceOver, double-tap this button to submit the form.<\/span>\n\t\t\t\t\t\tDeslize para enviar\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Deslize para enviar\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Enviado\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"637332\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"revamp-dti-report-subscription-new\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"09997bb500\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\tSeu formul\u00e1rio foi enviado com sucesso. Obrigado por sua inscri\u00e7\u00e3o.<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>Lamentamos, o envio do formul\u00e1rio falhou. Por favor, tente novamente.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG637332 = {\"637332\":{\"errors\":{\"_mf_637087_4156\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_637087_9383\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_637087_1330\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_637087_875\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_637087_6427\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\",\"_mf_637087_35\":\"Informa\\u00e7\\u00e3o inv\\u00e1lida\"},\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n<div class=\"wrapper-get-in-touch-block\">\n<section class=\"wp-block-cg-blocks-wrapper-get-in-touch section get-in-touch-block\"><div class=\"container\"><div class=\"row\"><div class=\"content-title col-12 col-md-8\"><h2 class=\"getintouch-heading\">Comit\u00ea executivo consultivo<\/h2><\/div><\/div><div><div class=\"cg-slider show-card\"><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Oli-Harris.jpg\" alt=\"Oliver Harris\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Oliver Harris<\/h3><p class=\"box-position\">Head global da Kinexys by J.P. Morgan<\/p><p class=\"box-company\">J.P. Morgan<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Ryan-Hayward.jpg\" alt=\"Ryan Hayward\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Ryan Hayward<\/h3><p class=\"box-position\">Managing Director de ativos digitais<\/p><p class=\"box-company\">Barclays<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Manuel-Klein.jpg\" alt=\"Manuel Klein\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Manuel Klein<\/h3><p class=\"box-position\">Diretor e head de gest\u00e3o de mercado de pagamentos e moedas digitais<\/p><p class=\"box-company\">Deutsche Bank<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Naveen-Mallela.jpg\" alt=\"Naveen Mallela\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Naveen Mallela<\/h3><p class=\"box-position\">Head global de pagamentos e Managing Director<\/p><p class=\"box-company\">Standard Chartered<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/lee-Mcnabb.png\" alt=\"Lee McNabb\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Lee McNabb<\/h3><p class=\"box-position\">L\u00edder de pagamentos e ativos digitais<\/p><p class=\"box-company\">NatWest<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Bruno-1.png\" alt=\"Bruno Mellado\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Bruno Mellado<\/h3><p class=\"box-position\">Head global de pagamentos<\/p><p class=\"box-company\">BNP Paribas<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Andrea-P.png\" alt=\"Andreea Parneci\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Andreea Parneci<\/h3><p class=\"box-position\">Head adjunta de GTPS (Global Transaction &amp; Payment Services)<\/p><p class=\"box-company\">Soci\u00e9t\u00e9 G\u00e9n\u00e9rale<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Ryan-Rugg.jpg\" alt=\"Ryan Rugg\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Ryan Rugg<\/h3><p class=\"box-position\">Head global de ativos digitais da \u00e1rea de Treasury and Trade Solutions<\/p><p class=\"box-company\">Citi<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Lewis-Lei-Sun.jpg\" alt=\"Lewis Lei Sun\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Lewis Lei Sun<\/h3><p class=\"box-position\">Managing Director e head global de moedas digitais<\/p><p class=\"box-company\">HSBC<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Georgina-Bulkeley.jpg\" alt=\"Georgina Bulkeley\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Georgina Bulkeley<\/h3><p class=\"box-position\">Managing Director e l\u00edder global da ind\u00fastria de servi\u00e7os financeiros<\/p><p class=\"box-company\">Google Cloud<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Justin-Jackson.jpg\" alt=\"Justin Jackson\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Justin Jackson<\/h3><p class=\"box-position\">Head da CashFlow Central<\/p><p class=\"box-company\">Fiserv<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Hans-Morris.jpg\" alt=\"Hans Morris\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Hans Morris<\/h3><p class=\"box-position\">S\u00f3cio-diretor (Managing Partner)<\/p><p class=\"box-company\">Nyca<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Julian-M.-Sevillano.jpg\" alt=\"Julian Sevillano\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Julian Sevillano<\/h3><p class=\"box-position\">Conselheiro s\u00eanior<\/p><p class=\"box-company\">Anchorage Digital Bank<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Madalena.png\" alt=\"Madalena Cascais Tom\u00e9\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Madalena Cascais Tom\u00e9<\/h3><p class=\"box-position\">Membro do Comit\u00ea Executivo e diretora de Processamento e Institui\u00e7\u00f5es Financeiras<\/p><p class=\"box-company\">Worldline<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/09\/Sujit-1.png\" alt=\"Sujit Unni\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Sujit Unni<\/h3><p class=\"box-position\">CTO do Grupo<\/p><p class=\"box-company\">Network International<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><\/div><div class=\"cg-slider hide-card\">\t<p class=\"setting-message\">\n\t\tPlease select person from right-hand side settings\t<\/p>\n\t\n\n\t<p class=\"setting-message\">\n\t\tPlease select person from right-hand side settings\t<\/p>\n\t\n\n\t<p class=\"setting-message\">\n\t\tPlease select person from right-hand side settings\t<\/p>\n\t<\/div><\/div><\/div><\/section>\n<\/div>\n\n\n<div class=\"wp-block-cg-blocks-autocloud-form autocloudform\"><div class=\"section--autoCloud-form\"><div class=\"wrapperAutoCloudSection\" id=\"linkToForm\"><div class=\"container\"><div class=\"row\"><div class=\"col-md-12 col-lg-6 left-img align-self-center escaper-left\"><\/div><div class=\"col-md-12 \"><div class=\"autoCloudForm\"><h3 class=\"formHelpText\">Baixe o relat\u00f3rio<\/h3>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_649193_3760431817\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"asterisk_title\">\n\t\t\t\t\t<p><span class=\"star-required\">*<\/span> Campo obrigat\u00f3rio<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"mf_form__errors mf_form__errors--top\" role=\"alert\" aria-live=\"polite\">\n\t\t\t\t\t<ul class=\"mf_form__errors__list\"><\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_813557_2426_1220670570\" name=\"_mf_813557_2426\" placeholder=\"Nome\" required \/><label for=\"_mf_813557_2426_1220670570\" class=\"form-label\">Nome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_877637_7670_2650395167\" name=\"_mf_877637_7670\" placeholder=\"Sobrenome\" required \/><label for=\"_mf_877637_7670_2650395167\" class=\"form-label\">Sobrenome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_813557_3903_2659349648\" name=\"_mf_813557_3903\" placeholder=\"Email\" required \/><label for=\"_mf_813557_3903_2659349648\" class=\"form-label\">Email <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Email n\u00e3o \u00e9 v\u00e1lido.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_877637_4891_1328018269\" name=\"_mf_877637_4891\" placeholder=\"Empresa\" required \/><label for=\"_mf_877637_4891_1328018269\" class=\"form-label\">Empresa <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Empresa n\u00e3o \u00e9 v\u00e1lido.<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_813557_4393_3604424917\" name=\"_mf_813557_4393\" placeholder=\"cargo\" required \/><label for=\"_mf_813557_4393_3604424917\" class=\"form-label\">cargo <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_875557_2415_3066381942\" class=\"floating__label form-country-select-label\" data-content=\"pa\u00eds\">\n\t\t\t\t<span class=\"floating-label-content\">pa\u00eds<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_875557_2415_3066381942\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_875557_2415\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Pa\u00eds<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afeganist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Alb\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Alemanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguila<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antilhas Holandesas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Ant\u00e1rtida<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Ant\u00edgua e Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Arg\u00e9lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Arm\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Ar\u00e1bia Saudita<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Austr\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaij\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bielorr\u00fassia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bol\u00edvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botsuana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brasil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulg\u00e1ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >But\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >B\u00e9lgica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >B\u00f3snia e Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cabo Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Camar\u00f5es<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Camboja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canad\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Catar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Cazaquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chade<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Chipre<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Col\u00f4mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comores<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Rep\u00fablica Democr\u00e1tica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Coreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Costa do Marfim<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Cro\u00e1cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Dinamarca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egito<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >Emirados \u00c1rabes Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Equador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Eslov\u00e1quia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Eslov\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Espanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Est\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Eti\u00f3pia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Federa\u00e7\u00e3o Russa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Filipinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >Fran\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gab\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Gana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Ge\u00f3rgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >Ge\u00f3rgia do Sul e Ilhas Sandwich do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Granada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Groenl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Gr\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadalupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Guiana Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Guin\u00e9 Equatorial<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guin\u00e9-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >G\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Ilha Bouvet<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Ilha Christmas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Ilha Heard e Ilhas McDonald<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Ilha Norfolk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Ilha de Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Ilhas Aland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Ilhas Cayman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Ilhas Cocos (Keeling)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Ilhas Cook<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Ilhas Falkland (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Ilhas Faroe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Ilhas Marianas do Norte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Ilhas Marshall<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Ilhas Menores Distantes dos Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Ilhas Salom\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Ilhas Turks e Caicos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Ilhas Virgens Brit\u00e2nicas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Ilhas Virgens dos EUA<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indon\u00e9sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraque<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Ir\u00e3, Rep\u00fablica Isl\u00e2mica do<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Isl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >It\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >I\u00e9men<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Jamahiriya \u00c1rabe L\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Jap\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jord\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesoto<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Let\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Lib\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Litu\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxemburgo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >L\u00edbano<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Maced\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madag\u00e1scar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldivas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Mal\u00e1sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Marrocos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Maurit\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Maur\u00edcio<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Mianmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micron\u00e9sia, Estados Federados da<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Mold\u00e1via<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mong\u00f3lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mo\u00e7ambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >M\u00e9xico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >M\u00f4naco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Nam\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicar\u00e1gua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nig\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Noruega<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nova Caled\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nova Zel\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >N\u00edger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Om\u00e3<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panam\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua-Nova Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Paquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Pa\u00edses Baixos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >Polin\u00e9sia Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Pol\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Porto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Quirguist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Qu\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >Reino Unido<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Rep\u00fablica Centro-Africana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Rep\u00fablica Democr\u00e1tica Popular do Laos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Rep\u00fablica Dominicana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Rep\u00fablica Tcheca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Rep\u00fablica \u00c1rabe S\u00edria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reuni\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Rom\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Ruanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Saara Ocidental<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre e Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >Samoa Americana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Santa Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Santa L\u00facia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Santa S\u00e9 (Estado da Cidade do Vaticano)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seicheles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Serra Leoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapura<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Som\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Suazil\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sud\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Su\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Su\u00ed\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard e Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >S\u00e3o Bartolomeu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >S\u00e3o Crist\u00f3v\u00e3o e Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >S\u00e3o Martinho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >S\u00e3o Tom\u00e9 e Pr\u00edncipe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >S\u00e3o Vicente e Granadinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >S\u00e9rvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tail\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajiquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanz\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >Territ\u00f3rio Brit\u00e2nico do Oceano \u00cdndico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Territ\u00f3rio Palestino Ocupado<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Territ\u00f3rios Franceses do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad e Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tun\u00edsia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turcomenist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turquia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ucr\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbequist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Viet Nam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis e Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimb\u00e1bue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Z\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >\u00c1frica do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AT\" >\u00c1ustria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IN\" >\u00cdndia<\/option>\n\t\t\t\t\t\t\t\t\t<\/select>\n\n\t\t\t\t<div class=\"invalid-feedback-frm\">pa\u00eds n\u00e3o \u00e9 v\u00e1lido.<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<script type=\"text\/javascript\">\n            jQuery(document).ready(function($) {\n                $('.mf_form__form').each(function() {\n                    var $form = $(this); \/\/ This specific form instance\n\n                    \/\/ Find the country select in this form\n                    $form.find('.form_country_select').each(function() {\n                        var $select = $(this);\n\t\t\t\t\t\tvar clickCount = 0;\n                        \/\/ On change\n                        $select.on('click', function() {\n\t\t\t\t\t\t\tclickCount++;\n\t\t\t\t\t\t\tif (clickCount === 1) {\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').addClass('active');\n\t\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t});\n\t\t\t\t\t\t$select.on('blur', function() {\n\t\t\t\t\t\t\tclickCount = 0;\n\t\t\t\t\t\t\t$(this).parent().find('.icon-zodiak-chevron-down').removeClass('active');\n\t\t\t\t\t\t});\n                    });\n                });\n            });\n        <\/script>\n\n\t\t<div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<label for=\"_mf_1054377_8400_1121647295\" class=\"form-label\">\n\t\t\t opcional\t\t<\/label>\n\n\t\t\n\t\t<div class=\"checkbox-controls checkbox\">\n\n\t\t\t\n\t\t\t\t<div class=\"form-check\">\n\n\t\t\t\t\t<input class=\"form-check-input\" 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me permitir receber informa\u00e7\u00f5es sobre os servi\u00e7os da Capgemini. 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When you reach 100 percent, the form is submitted.\t\t\t\t\t<\/span>\n\t\t\t\t\t<!-- Mobile-only submit button fallback -->\n\t\t\t\t\t<button type=\"submit\" class=\"mf-mobile-submit-btn\" disabled>\n\t\t\t\t\t\t<span class=\"sr-only\">If you use a screen reader or VoiceOver, double-tap this button to submit the form.<\/span>\n\t\t\t\t\t\tDeslize para enviar\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Deslize para enviar\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Enviado\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"649193\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"world-payments-report-2027-download\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"09997bb500\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\t<h3>Obrigado pelo seu envio.<\/h3><br><h3><a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/04\/WPR_2027.pdf\" target=\"_blank\" rel=\"noopener\">Clique aqui para baixar o relat\u00f3rio<\/a> ou <a href=\"https:\/\/wpr2027.s3.us-east-1.amazonaws.com\/index.html\" target=\"_blank\" rel=\"noopener\">confira o relat\u00f3rio interativo aqui.<\/a><\/h3><\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>Lamentamos, o envio do formul\u00e1rio falhou. 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