Open finance: o que é, como funciona e benefícios para o consumidor
- Por: 99 •
- Última atualização: 16/02/2023
Quando o open finance foi criado e passou a vigorar em fevereiro de 2021, muita gente não entendeu o que ia mudar. Depois de um ano dessa novidade, ainda há algumas dúvidas no ar sobre esse assunto.
- Registrato: como consultar todos os dados da sua vida financeira
- É uma boa investir em renda fixa?
- Minhas economias: como conseguir economizar algum dinheiro
Se você também tem dúvidas, vamos te ajudar. O texto de hoje visa responder essas e outras perguntas do tema. Confira tudo e boa leitura!
O que é o sistema open finance?
O open finance é uma evolução do open banking. Trata-se de um sistema financeiro aberto. Se o open banking incluía apenas o sistema bancário, os bancos, o open finance é mais amplo. Inclui também outros agentes do setor financeiro:
- Fundos de previdência;
- Seguros;
- Corretoras de valores;
- Casas de câmbio.
Com o open finance, os sistemas de todos esses agentes estão integrados. E, com isso, os dados financeiros dos clientes podem ser compartilhados entre eles, desde que haja a devida autorização de seus titulares.
Pensa assim. Antes do open finance, quando você decidia mudar de banco, tinha que começar seu histórico com aquele banco do zero. Mesmo que você tivesse conta em outra instituição há 10 anos. Agora, você pode autorizar essa transação dos seus dados financeiros.
Isso ajuda na hora de conseguir melhores taxas de juros e limites de crédito melhores, por exemplo. Até mesmo na nova instituição financeira, onde você acabou de abrir conta.
Por causa do open finance, as instituições financeiras acabam tendo facilidades para oferecer seus melhores serviços aos clientes, a partir dos dados compartilhados.
Quais bancos fazem open finance?
Atualmente, muitos bancos e fintechs participam do open finance. E não apenas elas, mas corretoras e plataformas de investimentos, como a 99Pay, os fundos de pensão e cooperativas de créditos. Esses são apenas alguns exemplos de quem já aderiu ao sistema.
Por conta do compartilhamento de dados, você pode se perguntar se o open finance é seguro. Como o sistema é regulado pelo Banco Central, sim, ele é bastante seguro.
É vantajoso aderir ao open finance?
Mas a pergunta que não quer calar talvez seja: o open finance vale a pena mesmo? Bom, se você deseja:
- Condições de pagamento mais vantajosas: seja em tarifas, serviços ou produtos, o open finance traz ofertas que tenham a ver com o seu perfil;
- Personalização: quer um produto ou serviço com a sua cara? O open finance vai te ajudar a encontrar;
- Privacidade e segurança: ainda que exista o compartilhamento dos dados, suas informações são preservadas com o máximo de segurança pelo Banco Central;
- Saúde financeira para o seu bolso: tendo na sua mão serviços e produtos que “conversam” diretamente com as suas possibilidades financeiras;
Então, o open finance é para você. Simples assim.
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