Mobility in finance demands that banks and fintechs continuously innovate to serve clients seeking flexibility and personalization. A new type of nomad Humanity originally started as nomadic, moving from place to place in search of food and shelter. Over time,…
Having super fans means having a goldmine of rich data with valuable insights—indispensable in developing an effective super app. The idea of developing a super app—an all-in-one application that brings together various services and functionalities—is tempting for many companies. However,…
The integration of financial services by non-financial companies is not a new phenomenon, but its scale and depth are reaching unprecedented levels. The digital revolution has reshaped various industries, and one of the most remarkable transformations is occurring in the…
Superapps have the potential to become integrated personal assistants across multiple devices and environments, transforming digital interaction in a meaningful way. In today’s digital era, the concept of a superapp has gained notoriety and interest. Defined as an “all-in-one” application,…
This model, introduced by the Bank for International Settlements (BIS), promises to revolutionize how financial ecosystems are interconnected. A new paradigm for financial connectivity With the introduction of the “Finternet” concept by the Bank for International Settlements (BIS), financial sector…
It seems we have left behind not a clever kid, but a vital component promised to revolutionize credit access: the EPOC. The forgotten element of Open Finance When we think of the classic movie “Home Alone”, we picture young Kevin…
The goal is to transform financial apps into intelligent personal assistants, which not only respond to requests but also anticipate needs and offer personalized solutions. About a year ago, I had my first experience with ChatGPT, and it reminded me…
The data suggests that Open Finance in Brazil is achieving its objectives. Not only is it increasing in relevance, with a growing number of consents and API usage, but it is also becoming more effective. When Open Finance was launched,…
We often say that Brazil’s financial system is one of the most advanced in the world. This notable evolution can be summed up in three fundamental pillars: instant, connected, and intelligent. These pillars not only reflect the current state of…
We will not have just one app that serves everyone, but rather a variety of specialized Super Apps tailored to the needs and preferences of individual users. In 2019, I highlighted the rise of WeChat in China, which evolved from…