Open Banking | O que é open banking e como ele é no sistema financeiro.

O Pix é só a primeira mudança que chegou para revolucionar o sistema bancário. Agora o Banco Central trabalha na implementação do open banking no Brasil, com previsão de início em outubro de 2021.

Mas afinal, o que isso significa? O conceito de open banking (ou banco aberto) é uma proposta de descentralizar as informações bancárias, permitindo que o cliente tenha mais liberdade para levar os seus dados financeiros para onde quiser. Veja o que é o open banking e como ele vai mudar o mercado financeiro:

Quem controla os dados dos clientes de open banking?

Uma das principais características do open banking é que os dados bancários pertencem aos usuários e não às instituições bancárias. Com isso, a base do open banking é que todo o mercado financeiro precisa adotar uma tecnologia padronizada, que facilite a portabilidade de dados entre instituições, fintechs e negócios relacionados.

Atualmente, estas informações ficam restritas somente às instituições financeiras em que o cliente possui vínculo, sem a possibilidade de levar os seus dados financeiros para diferentes instituições e serviços. 

Na prática, o open banking será uma plataforma, com regulamentação do governo, supervisão do Banco Central e desenvolvida pelos participantes do sistema financeiro, em que em os clientes poderão compartilhar os seus dados e histórico de transações entre bancos e fintechs.

Isto também possibilita que outras empresas tenham acesso às interfaces dos bancos e desenvolvam novos produtos a partir disso. E esta etapa de desenvolvimento acontece devido à API. 

O que é  API do open banking?

Open banking API

A interface de programação de aplicativos, API em inglês, é uma parte do sistema que funciona como uma interface para falar com outros sistemas.

As APIs são usadas em aplicações de vários tipos e não apenas em plataformas financeiras. O que irá mudar é que o open banking propõe que todo o mercado financeiro trabalhe com API’s abertas, permitindo assim que uma série novos produtos e serviços possam surgir para competir no mercado. 

A liberdade e autonomia do Open Banking 

 

No sistema atual, o processo de trocar de banco é super burocrático e cansativo, já que diversas informações do histórico do cliente ficam disponíveis somente para o banco em que o usuário possui vínculo. Isso muitas vezes faz com o cliente desista de trocar de serviço, mesmo que não esteja satisfeito, e acaba preso a este sistema. 

Com o open banking, será muito mais acessível realizar esta troca e até mesmo contratar novos serviços financeiros, sem precisar começar uma relação do zero com a instituição financeira, já que ela terá acesso ao histórico.

Também será mais fácil negociar créditos, empréstimos e vantagens com base nos dados financeiros disponíveis. É importante ressaltar que o cliente precisa dar autorização para que as suas informações sejam compartilhadas na plataforma de open banking e também optar quando não quiser mais compartilhar os seus dados. 

Personalização de serviços financeiros 

Outra vantagem é que o open banking irá permitir que os consumidores criem como se fosse o seu próprio banco personalizado, já que ele poderá contratar serviços em diversas instituições financeiras, de acordo com o que for mais vantajoso para ele.

Por exemplo, será possível contratar um seguro em um lugar, ter o cheque especial em outro e o que mais quiser e for melhor para ele. 

Além disso, as empresas também poderão oferecer serviços cada vez mais personalizados com base no perfil dos consumidores, podendo negociar taxas, limites de créditos, entre outros, a partir do histórico do cliente. 

O aumento na competitividade em serviços financeiros 

Também será uma ótima oportunidade para novos produtos e serviços surgirem, já que todos terão acesso aos mesmos dados e seguirão um padrão determinado.

O open banking reduz a barreira para a criação de novos negócios, criando um ambiente mais competitivo para o mercado, que é visto hoje em dia como concentrado, e oferecendo mais variedade para os consumidores. 

A Aarin já nasceu pronta para o open banking e o Pix e desenvolve tecnologias que potencializam as suas características, tornando a operação da sua empresa mais flexível, barata e integrável. Acesse nosso site e faça seu cadastro para começar a aceitar o Pix no seu negócio! 

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