{"id":1267,"date":"2023-09-12T05:00:00","date_gmt":"2023-09-12T08:00:00","guid":{"rendered":"https:\/\/momtip.com.br\/?p=1267"},"modified":"2024-04-12T17:09:21","modified_gmt":"2024-04-12T20:09:21","slug":"open-banking-o-que-e-e-como-funciona","status":"publish","type":"post","link":"https:\/\/momtip.com.br\/es\/open-banking-o-que-e-e-como-funciona\/","title":{"rendered":"Open Banking &#8211; O que \u00e9 e como Funciona?"},"content":{"rendered":"<html><body><p>Las entidades bancarias conocen la importancia de ofrecer soluciones innovadoras para atraer y retener clientes. As\u00ed, una de las innovaciones m\u00e1s recientes en este sentido es la <strong>Banca Abierta<\/strong>.<\/p><div class=\"code-block\"><script>\r\n   window.googletag = window.googletag || {cmd: []};\r\n   googletag.cmd.push(function() {\r\n     googletag.defineSlot(\"\/23200590039\/momtip.com.br\/momtip.com.br_MW_CONTENT1_13082024\", [[250, 250], [336, 280], [300, 250], 'fluid'], \"content1Slot\").addService(googletag.pubads());\r\n     googletag.enableServices();  \r\n   });\r\n<\/script>\r\n        <div class=\"ads-title\">Publicidad<\/div>\r\n        <div id=\"content1Slot\" style=\"min-width: 250px; min-height: 250px;\"><\/div>  \r\n<script>\r\n    googletag.cmd.push(function() { \r\n        googletag.display('content1Slot'); \r\n    });\r\n<\/script><\/div>\n\n\n\n<p>En definitiva, se trata de un nuevo modelo de relaci\u00f3n entre clientes y bancos que se est\u00e1 convirtiendo en tendencia.<\/p>\n\n\n\n<p>Por eso, hoy vamos a explorar m\u00e1s sobre esta nueva caracter\u00edstica, explicando de qu\u00e9 se trata y brindando la informaci\u00f3n m\u00e1s relevante. <\/p>\n\n\n\n<p>\u00a1S\u00edguenos ahora!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 es la banca abierta?<\/h2>\n\n\n\n<p>En t\u00e9rminos simples, el <strong>Banca Abierta<\/strong> Se refiere a un sistema financiero abierto, donde el cliente tiene mayor control sobre sus datos y puede compartirlos con la instituci\u00f3n financiera que le ofrezca mejores opciones de servicios y productos.<\/p>\n\n\n\n<p>Por lo tanto, todas las instituciones bancarias autorizadas por el Banco Central implementar\u00e1n la misma tecnolog\u00eda est\u00e1ndar.<\/p>\n\n\n\n<p>Entonces, esta tecnolog\u00eda se llama API (Interfaz de programaci\u00f3n de aplicaciones).<\/p>\n\n\n\n<p>Entonces, en caso de que no lo sepas, las API son est\u00e1ndares de programaci\u00f3n utilizados en aplicaciones, sitios web y otras plataformas en Internet.<\/p>\n\n\n\n<p>Por lo tanto, esto significa que, cuando el cliente lo desee, puede solicitar al banco que comparta su informaci\u00f3n con otras instituciones.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfY c\u00f3mo funciona en la pr\u00e1ctica?<\/h2>\n\n\n\n<p>Imag\u00ednese que durante 15 a\u00f1os usted tuvo una cuenta bancaria en el banco X, donde realiz\u00f3 todas sus transacciones financieras, pag\u00f3 facturas, realiz\u00f3 inversiones y obtuvo cr\u00e9dito, sin retrasarse nunca en un solo pago.<\/p>\n\n\n\n<p>Entonces eres un gran cliente, \u00bfverdad? Ahora supongamos que necesita cambiar de instituci\u00f3n financiera.<\/p>\n\n\n\n<p>Sin embargo, al migrar al banco Y, todas tus transacciones y beneficios conseguidos a lo largo de los a\u00f1os desaparecen.<\/p>\n\n\n\n<p>Entonces, como <strong>Banca Abierta<\/strong> Esta situaci\u00f3n est\u00e1 a punto de cambiar. Una de las grandes ventajas de este sistema es la facilidad de portabilidad entre los bancos participantes.<\/p>\n\n\n\n<p>De esta forma, al cambiar de banco, se transfiere todo tu historial y relaciones anteriores.<\/p>\n\n\n\n<p>Por tanto, el nuevo banco ofrecer\u00e1 mejores productos y servicios seg\u00fan su perfil.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Principales beneficios del Open Banking<\/h2>\n\n\n\n<p><br>El concepto de Open Banking tiene como eje central mejorar la experiencia del cliente, ofreciendo un enfoque m\u00e1s flexible e innovador.<\/p>\n\n\n\n<p>\u00a1Por eso, mira a continuaci\u00f3n los principales beneficios de esta iniciativa!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mas libertad<\/h3>\n\n\n\n<p>La implementaci\u00f3n de <strong>Banca Abierta<\/strong> proporcion\u00f3 mayor libertad e independencia a los clientes para buscar y adquirir productos y servicios financieros.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Control de informaci\u00f3n personal<\/h3>\n\n\n\n<p>En este sistema, el cliente es el centro. Por lo tanto, esto significa que t\u00fa decides con qu\u00e9 instituci\u00f3n financiera quieres compartir tu informaci\u00f3n personal. Siempre eligiendo compartir con quien sea m\u00e1s ventajoso, \u00a1claro!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u00e1s opciones de servicios financieros<\/h3>\n\n\n\n<p>El poder del cliente aumenta. Ahora puedes elegir m\u00e1s servicios financieros, uno de ellos es <strong>pr\u00e9stamo de banca abierta, <\/strong>por ejemplo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tarifas m\u00e1s bajas<\/h3>\n\n\n\n<p>Naturalmente hay competencia con <strong>banca abierta, <\/strong>lo que lleva a las entidades financieras a ofrecer mejores tasas a sus clientes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Portabilidad r\u00e1pida<\/h3>\n\n\n\n<p><br>Con el intercambio de datos entre instituciones, ya no es necesario registrarse nuevamente para comprar productos.<\/p>\n\n\n\n<p>Por tanto, esto reduce considerablemente la burocracia y aporta mayor agilidad a algunos servicios, desde la contrataci\u00f3n hasta la portabilidad, por ejemplo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo funcionar\u00e1 la Banca Abierta?<\/h2>\n\n\n\n<p>La implementaci\u00f3n de la<strong> Banca Abierta <\/strong>en Brasil fue dividido en cuatro etapas por el Banco Central. \u00a1Vea!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1ra etapa<\/h3>\n\n\n\n<p>La fase inicial de implementaci\u00f3n del <strong>Banca Abierta<\/strong> Comenz\u00f3 el 1\/02.<\/p>\n\n\n\n<p>En esta etapa, las instituciones participantes est\u00e1n abriendo sus datos y ofreciendo servicios como:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dep\u00f3sito;<\/li>\n\n\n\n<li>Ahorros;<\/li>\n\n\n\n<li>Pago;<\/li>\n\n\n\n<li>Operaciones de cr\u00e9dito.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2da etapa<\/h3>\n\n\n\n<p>A partir del 15\/07 se iniciar\u00e1 esta fase en la que los clientes podr\u00e1n compartir sus datos de registro, tales como:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nombre completo;<\/li>\n\n\n\n<li>FPC;<\/li>\n\n\n\n<li>CNPJ;<\/li>\n\n\n\n<li>Tel\u00e9fono;<\/li>\n\n\n\n<li>DIRECCI\u00d3N.<\/li>\n<\/ul>\n\n\n\n<p>Es importante resaltar que este intercambio s\u00f3lo se realizar\u00e1 con la autorizaci\u00f3n del cliente.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3ra etapa<\/h3>\n\n\n\n<p>A partir del 30\/08 se espera que inicie esta fase en la que ser\u00e1 posible realizar pagos fuera del entorno bancario.<\/p>\n\n\n\n<p>Luego, los clientes tambi\u00e9n tendr\u00e1n la opci\u00f3n de compartir su historial de informaci\u00f3n y tendr\u00e1n acceso a servicios como pagos y propuestas de cr\u00e9dito.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4ta etapa<\/h3>\n\n\n\n<p><br>La etapa final de implementaci\u00f3n del <strong>Banca Abierta<\/strong> iniciar\u00e1 el 15\/12 y ser\u00e1 cuando se compartir\u00e1 informaci\u00f3n adicional sobre productos y servicios, tales como:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Operaciones de cambio de divisas;<\/li>\n\n\n\n<li>Inversiones;<\/li>\n\n\n\n<li>Seguro;<\/li>\n\n\n\n<li>Pensi\u00f3n.<\/li>\n<\/ul>\n\n\n\n<p>Una de las principales ventajas de <strong>Banca Abierta<\/strong> es la reciprocidad al compartir informaci\u00f3n.<\/p>\n\n\n\n<p>Por tanto, esto significa que las empresas participantes tienen derecho a recibir datos de sus competidores, pero tambi\u00e9n deben compartirlos cuando los clientes lo consientan.<\/p>\n\n\n\n<p>Adem\u00e1s, tambi\u00e9n cabe mencionar que el cliente no pagar\u00e1 por compartir su informaci\u00f3n.<\/p>\n\n\n\n<p>Por lo tanto, cualquier solicitud de pago o tarifa debe ser analizada con atenci\u00f3n, ya que podr\u00eda tratarse de una estafa.<\/p>\n\n\n\n<p>Por tanto, al igual que Pix, este sistema es revolucionario y aporta muchas ventajas a los clientes.<\/p>\n<\/body><\/html>","protected":false},"excerpt":{"rendered":"<p>As institui\u00e7\u00f5es banc\u00e1rias sabem da import\u00e2ncia de oferecer solu\u00e7\u00f5es inovadoras para atrair e manter clientes. Ent\u00e3o, uma das mais recentes inova\u00e7\u00f5es nesse sentido \u00e9 o Open Banking. Publicidade Em suma, ele se trata de um novo modelo de relacionamento entre clientes e bancos que est\u00e1 se tornando uma tend\u00eancia. Ent\u00e3o, hoje vamos explorar mais sobre [&hellip;]<\/p>","protected":false},"author":3,"featured_media":1448,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[197],"class_list":["post-1267","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-utilidades","tag-open-banking"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Open Banking - O que \u00e9 e como Funciona? - MomTip<\/title>\n<meta name=\"description\" content=\"O open banking promete dar mais autonomia e flexibilidade para os usu\u00e1rios. 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