{"id":7500,"date":"2021-08-25T14:02:03","date_gmt":"2021-08-25T17:02:03","guid":{"rendered":""},"modified":"2021-08-27T18:50:20","modified_gmt":"2021-08-27T21:50:20","slug":"por-que-os-varejistas-deveriam-analisar-o-open-banking","status":"publish","type":"post","link":"https:\/\/www.microsoft.com\/pt-br\/industry\/blog\/retail\/2021\/08\/25\/por-que-os-varejistas-deveriam-analisar-o-open-banking\/","title":{"rendered":"Por que os Varejistas deveriam analisar o Open Banking?"},"content":{"rendered":"

\"Dois <\/strong><\/p>\n

Open Banking\u00a0desperta\u00a0interesse no\u00a0Varejo<\/strong><\/h4>\n

Apesar do tema Open Banking\u00a0no primeiro momento\u00a0remeter \u00e0 uma associa\u00e7\u00e3o\u00a0\u00e0 ind\u00fastria de servi\u00e7os financeiros,\u00a0esse\u00a0tema tem\u00a0enorme relev\u00e2ncia para\u00a0a evolu\u00e7\u00e3o e transforma\u00e7\u00e3o\u00a0setor de varejo.\u00a0<\/span>\u00a0<\/span><\/p>\n

O\u00a0Objetivo desse artigo n\u00e3o \u00e9 detalhar\u00a0os conceitos de Open Banking, seus componentes\u00a0e\u00a0sua\u00a0jornada de implanta\u00e7\u00e3o,\u00a0esses t\u00f3picos s\u00e3o abordados com muita compet\u00eancia\u00a0no\u00a0<\/span>artigo<\/span><\/i> <\/i>Open Banking: a estrat\u00e9gia da Microsoft para liderar essa revolu\u00e7\u00e3o (clique aqui para acessar)<\/a>,\u00a0escrit<\/span>o por\u00a0Fabio\u00a0Mittelstaedt, Head da Ind\u00fastria de Servi\u00e7os Financeiros, e por\u00a0Jo\u00e3o Arag\u00e3o Pereira,\u00a0Estrategista de Tecnologia da Ind\u00fastria de Servi\u00e7os Financeiros\u00a0da Microsoft Brasil. O\u00a0objetivo desse artigo\u00a0\u00e9 explorar as oportunidades que o Open Banking\u00a0pode trazer para os varejistas\u00a0e estimul\u00e1-los\u00a0a explorarem\u00a0os\u00a0conceitos\u00a0no desenvolvimento de\u00a0novos modelos de neg\u00f3cio\u00a0ou melhorando sua opera\u00e7\u00e3o.<\/span>\u00a0<\/span><\/p>\n

De forma simplificada, o\u00a0conceito\u00a0de\u00a0Open Banking\u00a0tem\u00a0como base o\u00a0compartilhamento de informa\u00e7\u00f5es dos clientes atrav\u00e9s de\u00a0APIs abertas,\u00a0interfaces\u00a0tecnol\u00f3gicas,\u00a0entre\u00a0organiza\u00e7\u00f5es\u00a0financeiras.\u00a0As informa\u00e7\u00f5es de clientes compartilhadas\u00a0entre empresas\u00a0pertencem ao pr\u00f3prio cliente\u00a0e somente ele poder\u00e1 consentir\u00a0para quais institui\u00e7\u00f5es os\u00a0seus dados\u00a0ser\u00e3o enviados.\u00a0<\/span>\u00a0<\/span><\/p>\n

A partir do acesso aos dados\u00a0compartilhados pelos\u00a0clientes, o\u00a0Open Banking cria um ambiente mais competitivo\u00a0criando op\u00e7\u00f5es de ofertas\u00a0mais\u00a0flex\u00edveis\u00a0para\u00a0aquisi\u00e7\u00e3o de produtos e servi\u00e7os e\u00a0redu\u00e7\u00e3o\u00a0dos\u00a0custos banc\u00e1rios.\u00a0\u00a0O Open Banking \u00e9 considerado a nova fronteira do banco digital inteligente, baseado em\u00a0co-inova\u00e7\u00e3o\u00a0aberta.\u00a0N\u00e3o se trata de uma nova\u00a0ideia, produto ou sistema. O conceito \u00e9, de fato, muito mais amplo que isso, uma vez que consuma a evolu\u00e7\u00e3o da abertura do mercado de servi\u00e7os financeiros.<\/span>\u00a0<\/span><\/p>\n

No Brasil,\u00a0a\u00a0iniciativa de Open Banking\u00a0\u00e9 regulamentada\u00a0pelo Banco Central e a primeira fase entrou em opera\u00e7\u00e3o em\u00a0fevereiro\u00a0de 2021. A\u00a0implanta\u00e7\u00e3o\u00a0est\u00e1\u00a0escalonada\u00a0em\u00a03 novas fases\u00a0que ser\u00e3o implementadas de forma gradual at\u00e9 15 de dezembro de 2021.\u00a0<\/span>\u00a0<\/span><\/p>\n

Quando falamos\u00a0de informa\u00e7\u00f5es de clientes,\u00a0\u00e9 nesse\u00a0ponto\u00a0que o Varejo\u00a0tem um\u00a0papel\u00a0fundamental\u00a0nos\u00a0ecossistemas\u00a0concebidos\u00a0pelo Open Banking. O\u00a0varejo tem\u00a0grande vantagem, enquanto\u00a0os bancos\u00a0t\u00eam\u00a0acesso\u00a0somente\u00a0as informa\u00e7\u00f5es financeiras do cliente,\u00a0o Varejo tem\u00a0acesso\u00a0\u00e0s\u00a0informa\u00e7\u00f5es\u00a0detalhadas de\u00a0compras\u00a0e os h\u00e1bitos de consumo.\u00a0O Varejo consegue identificar quais produtos\u00a0e\u00a0marcas\u00a0que\u00a0o cliente tem prefer\u00eancia, qual\u00a0sua\u00a0frequ\u00eancia de consumo\u00a0e\u00a0em\u00a0qual\u00a0momento\u00a0o cliente est\u00e1 na\u00a0sua jornada de compra.\u00a0<\/span>\u00a0<\/span><\/p>\n

No caso do Brasil, al\u00e9m\u00a0das\u00a0informa\u00e7\u00f5es\u00a0detalhadas sobre o consumo,\u00a0os\u00a0varejistas\u00a0t\u00eam\u00a0outra vantagem\u00a0em rela\u00e7\u00e3o as institui\u00e7\u00f5es financeiras. Temos um cen\u00e1rio no qual um ter\u00e7o da popula\u00e7\u00e3o ainda n\u00e3o tem\u00a0conta em banco, mas\u00a0que tem uma\u00a0rela\u00e7\u00e3o de fidelidade com o varejo interagindo\u00a0com\u00a0frequ\u00eancia.\u00a0<\/span>\u00a0<\/span><\/p>\n

 <\/p>\n

Oportunidades do Open Banking para o Varejo\u00a0<\/strong><\/h4>\n

Nesse cen\u00e1rio em que o varejo tem informa\u00e7\u00f5es valiosas do cliente que podem ser combinadas com informa\u00e7\u00f5es financeiras e no qual uma quantidade significativa da popula\u00e7\u00e3o brasileira est\u00e1 fora do sistema financeiro, mas busca praticidade de pagamento, acesso \u00e0 cr\u00e9dito e a benef\u00edcios, o Open Banking traz v\u00e1rias oportunidades de neg\u00f3cio, melhorando processos e servi\u00e7os j\u00e1 existentes, mas tamb\u00e9m possibilitando a cria\u00e7\u00e3o de novos modelos de neg\u00f3cio incrementado sua receita.\u00a0<\/span>Os seguintes\u00a0processos e servi\u00e7os\u00a0podem ser\u00a0beneficiados pelo Open Banking:<\/span>\u00a0<\/span><\/p>\n

    \n
  • Melhoria na Opera\u00e7\u00e3o de Cr\u00e9dito: <\/strong>com visibilidade do hist\u00f3rico de cr\u00e9dito dos seus clientes, o varejo poder\u00e1 tomar decis\u00f5es mais acuradas, personalizando melhor sua concess\u00e3o de cr\u00e9dito. Al\u00e9m disso ainda pode reduzir sua inadimpl\u00eancia, gastos de recupera\u00e7\u00e3o e provis\u00f5es de devedores impactando no balan\u00e7o da empresa.<\/li>\n<\/ul>\n
      \n
    • Flexibilidade na negocia\u00e7\u00e3o de receb\u00edveis: <\/strong>o\u00a0Open Banking\u00a0estimula o aparecimento de diversas\u00a0fintechs\u00a0especializadas\u00a0em negocia\u00e7\u00f5es de\u00a0receb\u00edveis,\u00a0dessa forma o varejo ter\u00e1 mais flexibilidade de negociar sua carteira de\u00a0receb\u00edveis conseguindo\u00a0condi\u00e7\u00f5es mais vantajosas.\u00a0<\/span>\u00a0<\/span><\/li>\n
    • Oferta combinada de Servi\u00e7os Financeiros e Produtos: <\/strong>o\u00a0compartilhamento e combina\u00e7\u00e3o de informa\u00e7\u00f5es financeiras e de consumo permite por exemplo\u00a0identificar que quando um cliente\u00a0adquira\u00a0um empr\u00e9stimo\u00a0pessoal\u00a0para a reforma de sua casa,\u00a0ele\u00a0possa ter\u00a0benef\u00edcios e descontos em um\u00a0varejo\u00a0de material de constru\u00e7\u00e3o, gerando um modelo ganha-ganha para cliente,\u00a0bancos\u00a0e varejistas.\u00a0\u00a0<\/span><\/li>\n<\/ul>\n

       <\/p>\n

      No caso de novos modelos de neg\u00f3cio podemos falar das seguintes iniciativas:<\/span><\/p>\n

        \n
      • Cria\u00e7\u00e3o de Pr\u00f3prio Banco Digital: <\/strong>essa j\u00e1 \u00e9 uma tend\u00eancia\u00a0que\u00a0grandes varejistas\u00a0est\u00e3o trabalhando. O Varejo atrav\u00e9s de uma Institui\u00e7\u00e3o de pagamento\u00a0ou adquirindo servi\u00e7os de\u00a0BaaS\u00a0(Banking as a Services)\u00a0pode oferecer um conta\u00a0digital\u00a0para os seus clientes disponibilizando funcionalidade de pagamento, acesso a cr\u00e9dito, gerenciamento das suas compras financiadas, entre ouros produtos e servi\u00e7os que podem ser combinados com\u00a0ofertas das\u00a0finthechs\u00a0ou organiza\u00e7\u00f5es financeiras.\u00a0<\/span><\/li>\n
      • Super App de relacionamento: <\/strong>o\u00a0surgimento e consolida\u00e7\u00e3o de v\u00e1rios\u00a0Super Apps no mercado brasileiro,\u00a0tem uma grande participa\u00e7\u00e3o do varejo que pode utilizar os seus canais\u00a0digitais\u00a0especialmente em rela\u00e7\u00e3o a aplica\u00e7\u00e3o mobile para criar um hub de venda de produtos, pagamentos\u00a0e\u00a0ofertas de servi\u00e7os diversos inclusive financeiros. Quanto maior a\u00a0quantidade de intera\u00e7\u00e3o do cliente com\u00a0o varejo, maior a possiblidade de personaliza\u00e7\u00e3o nas intera\u00e7\u00f5es e\u00a0de se tornar mais relevante para o cliente.\u00a0\u00a0<\/span><\/li>\n<\/ul>\n

        \u00a0<\/span><\/p>\n

        Conclus\u00e3o\u00a0<\/strong><\/h3>\n

        A iniciativa de\u202fOpen Banking\u202fproporciona enorme oportunidades\u00a0para o varejo, mas tem uma depend\u00eancia\u00a0muito grande da capacidade de\u00a0colabora\u00e7\u00e3o\u00a0e\u00a0atua\u00e7\u00e3o em\u00a0ecossistemas\u00a0e\u00a0de uma\u00a0cultura digital que sabia\u00a0explorar com efici\u00eancia\u00a0os\u00a0dados\u00a0e desenvolvimento de produtos digitais.\u00a0\u00a0<\/span>\u00a0<\/span><\/p>\n

        A Microsoft j\u00e1 tem implantado o Open Banking em grandes Bancos e outras institui\u00e7\u00f5es financeiras ao redor do mundo. Portanto, al\u00e9m das arquiteturas t\u00e9cnicas de refer\u00eancia e solu\u00e7\u00f5es de parceiros, adquiriu experi\u00eancia pr\u00e1tica que pode ajudar o mercado a acelerar o processo de inova\u00e7\u00e3o do Open Banking.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

        Apesar do tema Open Banking\u00a0no primeiro momento\u00a0remeter \u00e0 uma associa\u00e7\u00e3o\u00a0\u00e0 ind\u00fastria de servi\u00e7os financeiros,\u00a0esse\u00a0tema tem\u00a0enorme relev\u00e2ncia para\u00a0a evolu\u00e7\u00e3o e transforma\u00e7\u00e3o\u00a0setor de varejo.<\/p>\n","protected":false},"author":671,"featured_media":7506,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ep_exclude_from_search":false,"_classifai_error":"","_classifai_text_to_speech_error":"","footnotes":""},"categories":[254],"post_tag":[],"content-type":[],"coauthors":[435],"class_list":["post-7500","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retail"],"yoast_head":"\nPor que os Varejistas deveriam analisar o Open Banking? - Blogs de ind\u00fastria da Microsoft<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.microsoft.com\/pt-br\/industry\/blog\/retail\/2021\/08\/25\/por-que-os-varejistas-deveriam-analisar-o-open-banking\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Por que os Varejistas deveriam analisar o Open Banking? 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