{"id":52970,"date":"2020-02-13T12:48:25","date_gmt":"2020-02-13T14:48:25","guid":{"rendered":"https:\/\/www.pagbrasil.com\/?p=52970"},"modified":"2023-08-01T13:42:52","modified_gmt":"2023-08-01T16:42:52","slug":"open-banking-no-brasil-o-que-deve-mudar","status":"publish","type":"post","link":"https:\/\/www.pagbrasil.com\/pt-br\/blog\/noticias\/open-banking-no-brasil-o-que-deve-mudar\/","title":{"rendered":"Open banking no Brasil: o que deve mudar?"},"content":{"rendered":"<p>Uma das resolu\u00e7\u00f5es mais importantes no Brasil, prevista para a segunda metade de 2020, \u00e9 o open banking. Mas o que exatamente \u00e9 isso?<\/p>\n<p>O <a href=\"https:\/\/www.bcb.gov.br\/en\/pressdetail\/2284\/nota\">Banco Central do Brasil define o open banking<\/a> como \u201co compartilhamento de dados, produtos e servi\u00e7os de institui\u00e7\u00f5es financeiras e outras institui\u00e7\u00f5es licenciadas, a crit\u00e9rio do consumidor, no que diz respeito aos seus pr\u00f3prios dados, por meio da abertura e integra\u00e7\u00e3o de plataformas e infraestruturas de sistemas de informa\u00e7\u00e3o, de forma segura, \u00e1gil e conveniente\u201d.\u00a0Em outras palavras: com a autoriza\u00e7\u00e3o do consumidor, as institui\u00e7\u00f5es financeiras poder\u00e3o processar dados de outra organiza\u00e7\u00e3o.<\/p>\n<p>&nbsp;<\/p>\n<h3>Benef\u00edcios do open banking no Brasil<\/h3>\n<p>Essa nova resolu\u00e7\u00e3o trar\u00e1 benef\u00edcios para todos os brasileiros. Listamos abaixo como essa iniciativa inovadora impactar\u00e1 a vida financeira da popula\u00e7\u00e3o!<\/p>\n<p><strong>Redu\u00e7\u00e3o de custos<\/strong><\/p>\n<p>A redu\u00e7\u00e3o de custos est\u00e1 entre os principais benef\u00edcios que os brasileiros podem esperar com o open banking, especialmente quando consideramos os <a href=\"https:\/\/www.pagbrasil.com\/pt-br\/noticias\/como-os-pagamentos-instantaneos-vao-transformar-as-operacoes-financeiras-no-brasil\/\">pagamentos instant\u00e2neos<\/a>, que tamb\u00e9m est\u00e1 em desenvolvimento pelo BC, com previs\u00e3o para novembro de 2020. Ambas iniciativas combinadas devem incentivar a competi\u00e7\u00e3o e ajudar a reduzir as taxas de manuten\u00e7\u00e3o e transa\u00e7\u00e3o, al\u00e9m das taxas de juros cobradas pelas institui\u00e7\u00f5es financeiras.<\/p>\n<p><strong>Maior disponibilidade de produtos e servi\u00e7os financeiros<\/strong><\/p>\n<p>Com a integra\u00e7\u00e3o das institui\u00e7\u00f5es financeiras, os consumidores poder\u00e3o contar com uma ampla variedade de produtos e servi\u00e7os financeiro.<\/p>\n<p>Como um exemplo, podemos mencionar a <a href=\"https:\/\/www.bb.com.br\/pbb\/pagina-inicial\/imprensa\/n\/56294\/BB%20anuncia%20primeira%20parceria%20de%20Open%20Banking%20no%20Brasil#\/\">parceria<\/a> entre duas grandes organiza\u00e7\u00f5es no Brasil que permite que os consumidores tenham maior controle sobre o seu dinheiro. Um dos maiores bancos do pa\u00eds, o <em>Banco do Brasil, <\/em>e a empresa de software corporativo <em>ContaAzul, <\/em>agora permitem que MPEs integrem suas informa\u00e7\u00f5es banc\u00e1rias ao software \u2013 como o saldo banc\u00e1rio e a fatura do cart\u00e3o de cr\u00e9dito.<\/p>\n<p>A resolu\u00e7\u00e3o do BC permitir\u00e1 solu\u00e7\u00f5es similares. No entanto, como o sistema ser\u00e1 regulamentado e aberto entre todas as institui\u00e7\u00f5es financeiras, consumidores poder\u00e3o integrar suas informa\u00e7\u00f5es banc\u00e1rias a m\u00faltiplas plataformas, independentemente de suas institui\u00e7\u00f5es.<\/p>\n<p><strong>Conveni\u00eancia e inclus\u00e3o financeira <\/strong><\/p>\n<p>Com o open banking, os consumidores poder\u00e3o contar com a conveni\u00eancia de realizar suas opera\u00e7\u00f5es financeiras de qualquer aplicativo. Isso inclui as carteiras e contas digitais, aplicativos de gest\u00e3o financeira, plataformas de pagamento mobile, e outros.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Uma das resolu\u00e7\u00f5es mais importantes no Brasil, prevista para a segunda metade de 2020, \u00e9 o open banking. Mas o [&#8230;]<\/p>\n","protected":false},"author":16,"featured_media":52967,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[82,4],"tags":[],"class_list":["post-52970","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights","category-noticias"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Open banking no Brasil: o que deve mudar? | PagBrasil<\/title>\n<meta name=\"description\" content=\"Uma das resolu\u00e7\u00f5es mais importantes no Brasil, prevista para a segunda metade de 2020, \u00e9 o open banking. 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