Rogerio Melfi
25/11/2024 · Articles

And what about the digital euro? Where is it headed?

While Brazil moves forward with Drex, exploring programmability and tokenization to create new financial opportunities, the European Central Bank (ECB) is also on its digital journey with the digital euro. The digital euro: A European response to financial digitization The digital euro is Europe’s answer to the digital transformation of finance. Designed as a Central […]

18/11/2024 · Articles

A look in the rearview mirror of financial innovation

Since the early 2000s, Brazil has been the stage for a series of regulatory reforms and innovations led by the Central Bank (BC), which have transformed how the financial system operates. These efforts have paved the way for a robust and competitive financial ecosystem, internationally recognized for its adoption of cutting-edge technologies and the creation […]

15/11/2024 · Articles

How generative AI enables hyper-personalized content creation

The idea of a book where the reader can choose the ending has always been fascinating. From the classic “Choose Your Own Adventure” books to interactive variations in games and movies, the ability to personalize stories sparks the imagination of readers. Now, with the rise of generative AI, this vision is reaching new dimensions. It’s […]

22/10/2024 · Articles

Primacy: the era of consumer choice

Loyalty will not be won through incentives that encourage customers to keep all their transactions in one place but by consistently delivering value and efficiency, regardless of the medium or channel. The battle for primacy The dispute for primacy is a hot topic in the financial market and other sectors. In essence, it refers to […]

16/10/2024 · Articles

SCDs and Open Finance are shaping the future of credit

The alignment between these two fronts can increase access to credit and promote financial inclusion for a larger portion of the population, argues the specialist. SCDs: an innovation in digital credit Direct Credit Companies (SCDs) emerged as an innovation in the Brazilian financial sector in 2018, aiming to expand access to credit more quickly and […]

03/10/2024 · Articles

A financial Waze

In the digital era, where everything around us seems to be in constant evolution, personal finance could not be left behind. Imagine having at your disposal a “financial Waze”, which not only guides your economic decisions but also helps you save time and money, all with the precision that technology can offer. This is the […]

20/09/2024 · Articles

Open Finance and the “account of things”

The redirection-free journey (JSR) plays an important role in enabling this concept, according to the expert. A new way to manage our finances The advancement of Open Finance is opening doors to a new way of managing our finances and interacting with the world. One of the possibilities in this scenario is the creation of […]

13/08/2024 · Articles

Beyond weight: The value of financial data

The ability to integrate and analyze data from multiple sources in real-time, or near real-time, becomes a competitive advantage, requiring substantial investments in technology and data analysis. During a visit to the Ver-o-Peso Market in Belém do Pará, one of the oldest markets in Brazil, it is impossible not to reflect on how business practices […]

30/07/2024 · Articles

Collaboration as the driving force of innovation in the financial ecosystem

The interaction between fintechs, associations, and regulators is fundamental to accelerating improvements and advancements in the sector. The role of collaboration in financial innovation In Brazil’s financial ecosystem, collaboration between different players has become essential to fostering sustainable innovation and growth. With the financial market constantly evolving, the interaction between fintechs, associations, and regulators is […]

02/07/2024 · Articles

The box has been opened

Three areas stand out as the next frontiers for open innovation: Open Energy, Open Health, and Open Gov. Back in 2016, talking about Open Banking seemed like a distant dream. Since then, we have traveled a long and challenging journey to reach an ecosystem as innovative as Open Finance and Open Insurance. This evolution was […]