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Banco Central criou base de dados para super apps financeiros com sistema financeiro aberto; instituições correm para alimentar seus sistemas.
Grande parte dos clientes de bancos não está familiarizada com o financeiro aberto – revela estudo conduzido pela Zetta, entidade que representa empresas de tecnologia financeira. No entanto, mesmo sem compreender completamente, é provável que em algum momento se deparem com produtos e serviços financeiros que se originam ou são aprimorados a partir do open finance.
O avanço do sistema financeiro aberto traz consigo inúmeras possibilidades de inovação e conveniência para os consumidores. Com a implementação do open finance, espera-se uma maior integração entre diferentes instituições financeiras, facilitando o acesso a uma variedade de serviços e produtos personalizados de forma mais eficiente.
Revolutionizing the Financial System with Open Finance
In the realm of finance, the concept of ‘super apps’ has emerged as a game-changer, with numerous institutions developing them to streamline people’s financial lives. It has been a little over three years since the inception of open finance by the Central Bank, marking a significant milestone in the financial landscape. Open finance represents a sophisticated framework that amalgamates technology and regulation to enable the sharing of individuals’ data across various financial institutions, even if they are not clients.
Through open finance, previously siloed information exclusive to a single bank is now accessible to other institutions. This vast reservoir of data is fueling the emergence of super apps, as highlighted by Otávio Damaso, the director of regulation at the BC. The financial institution aims for users to utilize their app to access the financial system, leveraging the open finance platform to gather customer information from diverse banks’ databases. Therefore, open finance serves as a cornerstone for the existence of super apps.
But what exactly is a super app? It is an application that empowers consumers to purchase and manage all desired products in one centralized location, irrespective of the offering bank, fintech, or retail company. Users can navigate through a single channel to sift through offerings and select those that resonate with them as consumers. This transformative shift, as elucidated by Gueitiro Genso, a financial services expert, heralds a significant change in consumer behavior.
Practically speaking, bidding farewell to numerous bank and card applications on mobile devices while retaining access to financial services is a monumental leap forward. Considering that the average Brazilian has six open accounts, many smartphones are poised to reclaim valuable memory space. This convenience factor is just the tip of the iceberg.
The true benefits extend far beyond, primarily focusing on enhanced user experience, as emphasized by Samuel Freire Jr, the head of open finance at the Ailos System, comprising 13 credit cooperatives. In the past, bank competitiveness revolved around product superiority. However, with the BC’s new initiatives, offering top-notch products is no longer sufficient; institutions must adapt to a paradigm where products from one entity can be availed through another channel and vice versa.
The competitive landscape is now shifting towards customer experience, crafting a seamless, swift, secure, and user-friendly journey. This shift is pivotal in capturing user interest and driving engagement, a sentiment echoed by Genso. The evolving competition among banks to understand consumers’ needs better paves the way for comprehensive user service.
The battle now centers on empowering customers to manage their entire lives within a specific institution’s app. With the ease of switching banks, thanks to reduced barriers, institutions are vying for customer loyalty by offering tailored experiences and services. This new era of financial competition underscores the significance of user-centric approaches and innovative solutions in the ever-evolving financial ecosystem.
Fonte: @ Valor Invest Globo
