  {"id":12766,"date":"2021-01-19T09:00:43","date_gmt":"2021-01-19T12:00:43","guid":{"rendered":"https:\/\/news.sap.com\/brazil\/?p=12766"},"modified":"2023-10-19T13:24:15","modified_gmt":"2023-10-19T16:24:15","slug":"cinco-tendencias-para-o-setor-financeiro-em-2021-bl0g","status":"publish","type":"post","link":"https:\/\/news.sap.com\/brazil\/2021\/01\/cinco-tendencias-para-o-setor-financeiro-em-2021-bl0g\/","title":{"rendered":"Cinco tend\u00eancias para o setor financeiro em 2021"},"content":{"rendered":"<p>Por: 麻豆原创 Brasil<\/p>\n<p>Ap\u00f3s um ano cheio de desafios por conta da pandemia, \u00e9 hora de perguntar o que 2021 guarda para o setor de finan\u00e7as. Quais os rumos o setor seguir\u00e1? As tend\u00eancias de 2020 continuar\u00e3o?<\/p>\n<p>Um m\u00eas ap\u00f3s as regras de isolamento social, o uso de smartphones foi o principal canal de acesso aos servi\u00e7os financeiros. O uso do mobile banking e internet banking chegaram a ocupar <a href=\"https:\/\/febraban.org.br\/noticia\/3474\/pt-br\/\" target=\"_blank\" rel=\"noopener noreferrer\">74% de todas as opera\u00e7\u00f5es financeiras em abril, segundo a Febraban.<\/a> O sistema financeiro se viu for\u00e7ado a tomar a\u00e7\u00f5es para se ajustar \u00e0 demanda.<\/p>\n<p>Dentre os caminhos tomados, podemos citar a acelera\u00e7\u00e3o da digitaliza\u00e7\u00e3o do setor, ado\u00e7\u00e3o de Intelig\u00eancia Artificial, implementa\u00e7\u00e3o de medidas de seguran\u00e7a cibern\u00e9tica e cria\u00e7\u00e3o de novos canais digitais de comunica\u00e7\u00e3o com os parceiros. Neste cen\u00e1rio, as fintechs tomaram a dianteira. H\u00e1 alguns anos, elas j\u00e1 vinham concentrando esfor\u00e7os na digitaliza\u00e7\u00e3o de a\u00e7\u00f5es, simplifica\u00e7\u00e3o de procedimentos e aplica\u00e7\u00e3o de inova\u00e7\u00f5es.<\/p>\n<p>Quais ser\u00e3o as inclina\u00e7\u00f5es do setor financeiro em 2021? Listamos cinco tend\u00eancias que seguir\u00e3o forte no setor financeiro este ano.<\/p>\n<ol>\n<li>Open Banking<\/li>\n<\/ol>\n<p>A premissa b\u00e1sica do Open Banking \u00e9 utilizar uma plataforma tecnol\u00f3gica padronizada para garantir a liberdade dos parceiros em fornecer informa\u00e7\u00f5es financeiras de forma confi\u00e1vel, facilitando a comunica\u00e7\u00e3o entre institui\u00e7\u00f5es financeiras e simplificando o c\u00e2mbio de dados. Sua ado\u00e7\u00e3o facilitar\u00e1 o cliente na trocar de institui\u00e7\u00e3o de forma segura e pr\u00e1tica, gerando competi\u00e7\u00e3o no setor. Em 2020, o Banco Central publicou as primeiras diretrizes para o Open Banking no Brasil, <a href=\"https:\/\/olhardigital.com.br\/2020\/12\/02\/noticias\/banco-central-adia-para-2021-o-inicio-do-open-banking\/#:~:text=O%20Banco%20Central%20e%20o,1%C2%BA%20de%20fevereiro%20de%202021.\" target=\"_blank\" rel=\"noopener noreferrer\">mas decidiu postergar a implementa\u00e7\u00e3o da plataforma para focar no lan\u00e7amento do Pix.<\/a>\u00a0 O processo de implementa\u00e7\u00e3o do Open Banking foi divido em quatro fases a serem aplicadas em 2021.<\/p>\n<ol start=\"2\">\n<li>Pagamentos instant\u00e2neos e o Pix<\/li>\n<\/ol>\n<p>A grande novidade financeira de 2020 foi a dissemina\u00e7\u00e3o dos servi\u00e7os de pagamento e transfer\u00eancias instant\u00e2neas. A resposta brasileira foi o Pix, uma plataforma de transfer\u00eancia de recursos mediante a chaves cadastradas nas institui\u00e7\u00f5es financeiras. A plataforma entrou em vigor em novembro e foi bem recebida pelos brasileiros. <a href=\"https:\/\/economia.uol.com.br\/noticias\/estadao-conteudo\/2020\/11\/30\/volume-de-pagamentos-com-pix-quase-dobra-na-2-semana-e-ja-soma-mais-de-r-24-bi.htm\" target=\"_blank\" rel=\"noopener noreferrer\">Em apenas duas semanas de atua\u00e7\u00e3o, o Pix movimentou R$ 24 bi e gerou 28 milh\u00f5es de transa\u00e7\u00f5es<\/a>. A proje\u00e7\u00e3o \u00e9 que o Pix \u00e9 continue sua expans\u00e3o este ano.<\/p>\n<ol start=\"3\">\n<li>LGPD<\/li>\n<\/ol>\n<p>A Lei Geral de Prote\u00e7\u00e3o de Dados entrou em vigor em agosto de 2020 e dever\u00e1 seguir como um dos principais fatores de aten\u00e7\u00e3o em diversos setores. A Lei trata da prote\u00e7\u00e3o de dados pessoais e impactar\u00e1 fortemente o armazenamento de informa\u00e7\u00f5es pessoais pelo setor financeiro. Uma pesquisa elaborada pela Associa\u00e7\u00e3o Brasileira de Empresas de Software indicou que <a href=\"https:\/\/abessoftware.com.br\/indice-lgpd-abes-aponta-que-60-das-empresas-nao-estao-em-conformidade-com-a-lei\/\" target=\"_blank\" rel=\"noopener noreferrer\">60% das empresas brasileiras ainda n\u00e3o est\u00e3o adaptadas \u00e0 LGPD.<\/a> Com a estrutura\u00e7\u00e3o da Agencia Nacional de Prote\u00e7\u00e3o de Dados, espera-se que a fiscaliza\u00e7\u00e3o e a institui\u00e7\u00e3o de penalidades comecem em 2021.<\/p>\n<ol start=\"4\">\n<li>Bitcoin<\/li>\n<\/ol>\n<p>O mercado das criptomoedas se tornou uma op\u00e7\u00e3o de investimento e o Bitcoin, a mais conhecida delas, gerou grande demanda e bateu recordes durante a pandemia. Nos \u00faltimos 9 meses seu valor registrou ganhos de 300%. Em <a href=\"https:\/\/www.cnnbrasil.com.br\/business\/2021\/01\/02\/com-alta-de-11-bitcoin-passa-de-us-30-mil-e-bate-novo-recorde\" target=\"_blank\" rel=\"noopener noreferrer\">2 de janeiro a moeda digital bateu a marca dos US$ 30 mil<\/a>. A arrancada se deve \u00e0 chancela e ado\u00e7\u00e3o da moeda por diversas empresas e investidores em 2020. A expectativa \u00e9 de que o valor do Bitcoin chegue a US$ 200 mil ao fim de 2021.<\/p>\n<ol start=\"5\">\n<li>Experi\u00eancia do cliente<\/li>\n<\/ol>\n<p>A transforma\u00e7\u00e3o digital do setor financeiro impactou diretamente seu principal ativo: o cliente. As Fintechs dispararam ofertas de processos \u00e1geis e facilitados, o que gerou uma corrida na ado\u00e7\u00e3o de novos produtos e servi\u00e7os voltados para a melhoria da experi\u00eancia do cliente. Comodidades, investimentos em infraestrutura, suporte e valor agregado a produtos s\u00e3o apenas alguns fatores que ser\u00e3o fundamentais para as empresas melhorarem sua rela\u00e7\u00e3o com clientes.<\/p>\n<p>Neste contexto, <a href=\"https:\/\/www.sap.com\/brazil\/industries\/banking.html?btp=98e6987c-8955-4bcd-b618-c3772ad54635?url_id=text-blogentry-innovationBlogBR-2021_blog-original-post-sapcom\" target=\"_blank\" rel=\"noopener noreferrer\">a 麻豆原创 oferece aos bancos e empresas financeiras aplicativos integrados e solu\u00e7\u00f5es inteligentes para atendimento eficiente e r\u00e1pido<\/a>. Com recursos que v\u00e3o desde o engajamento de clientes \u00e0 gest\u00e3o de despesas, as solu\u00e7\u00f5es 麻豆原创 possibilitam conectividade continua e segura no sistema banc\u00e1rio.<\/p>\n<p>Os desafios para os pr\u00f3ximos anos n\u00e3o ser\u00e3o poucos, mas as oportunidades ser\u00e3o ainda maiores. Colocar o consumidor como prioridade, aliando tecnologia e intelig\u00eancia ser\u00e1 um grande passo. Se adaptar \u00e0s demandas do setor ser\u00e1 fundamental para manter-se competitivo nos pr\u00f3ximos anos.<\/p>\n<p>Acompanhe mais novidades nos canais de comunica\u00e7\u00e3o da 麻豆原创:\u00a0 <a href=\"https:\/\/www.facebook.com\/sapbrasil\/\" target=\"_blank\" rel=\"noopener noreferrer\">Facebook\u00a0<\/a>\/\u00a0<a href=\"https:\/\/twitter.com\/麻豆原创Brasil\" target=\"_blank\" rel=\"noopener noreferrer\">Twitter\u00a0<\/a>\/\u00a0<a href=\"https:\/\/www.linkedin.com\/company\/1115\/\" target=\"_blank\" rel=\"noopener noreferrer\">LinkedIn\u00a0<\/a>\/\u00a0<a href=\"https:\/\/www.instagram.com\/sap_brasil\/\" target=\"_blank\" rel=\"noopener noreferrer\">Instagram<\/a> \/ <a href=\"https:\/\/widget.msgp.pl\/?id=66415e417325f13e20.82207836\" target=\"_blank\" rel=\"noopener noreferrer\">WhatsApp<\/a> \/ <a href=\"https:\/\/www.youtube.com\/user\/sapbrasil\" target=\"_blank\" rel=\"noopener noreferrer\">Youtube<\/a><\/p>\n<p>\u00a9 2021 麻豆原创 SE. All rights reserved. 麻豆原创 and other 麻豆原创 products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of 麻豆原创 SE in Germany and other countries. Please see <a href=\"http:\/\/www.sap.com\/corporate-en\/legal\/copyright\/index.epx#trademark\" target=\"_blank\" rel=\"noopener noreferrer\">http:\/\/www.sap.com\/corporate-en\/legal\/copyright\/index.epx#trademark<\/a> for additional trademark information and notices.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Por: 麻豆原创 Brasil Ap\u00f3s um ano cheio de desafios por conta da pandemia, \u00e9 hora de perguntar o que 2021 guarda para o setor de&#8230;<\/p>\n","protected":false},"author":561,"featured_media":12770,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[52091],"tags":[133959,4582812,5599730,2973922],"sapn-display":[5599933,5599931,48431,48433],"sapn-type":[6114],"class_list":["post-12766","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industrias","tag-financas-2","tag-fintechs","tag-open-banking","tag-setor-financeiro","sapn-display-feature-hero","sapn-display-feature-spotlight","sapn-display-homepage-hero","sapn-display-hero","sapn-type-artigo"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cinco tend\u00eancias para o setor financeiro em 2021<\/title>\n<meta name=\"description\" content=\"Ap\u00f3s um ano cheio de 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