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…
Healthy competition between fintechs, digital banks, and traditional banks drives constant improvements and innovations. A new financial landscape In recent years, the financial sector has undergone a major transformation with the rise of fintechs and digital banks, challenging the traditional…
Cooperation between regulated institutions, the Central Bank, and society is essential to ensuring the success of the digital currency, writes Rogério Melfi from ABFintechs. A new era for the Brazilian financial system The Brazilian financial market is on the verge…
Excessive personalization can lead to segmentation and exclusion of certain social groups, writes Rogério Melfi. The challenge of personalization in finance Society is made up of unique individuals, each with their own characteristics, experiences, and needs. At the same time,…