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…
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…
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…
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…
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…
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…
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…
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 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…
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…