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…
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…