{"id":2850,"date":"2021-05-13T10:06:00","date_gmt":"2021-05-13T14:06:00","guid":{"rendered":"https:\/\/www.wework.com\/pt-BR\/ideas\/?p=2850&#038;preview=true&#038;preview_id=2850"},"modified":"2021-07-30T12:53:37","modified_gmt":"2021-07-30T15:53:37","slug":"how-innovation-is-transforming-the-financial-sector","status":"publish","type":"post","link":"https:\/\/www.wework.com\/pt-BR\/ideas\/research-insights\/how-innovation-is-transforming-the-financial-sector","title":{"rendered":"Como a inova\u00e7\u00e3o est\u00e1 transformando o setor financeiro"},"content":{"rendered":"\n<p>A digitaliza\u00e7\u00e3o transformou fundamentalmente o setor de servi\u00e7os financeiros. Essa mudan\u00e7a obrigou as institui\u00e7\u00f5es tradicionais a evolu\u00edrem seus manuais para atender \u00e0s novas necessidades do consumidor. Ela tamb\u00e9m promoveu a uma safra de <a href=\"https:\/\/www.emarketer.com\/content\/seven-charts-the-state-of-digital-banking-in-2020\">startups<\/a> inovadoras que oferecem servi\u00e7os digitais para clientes em todo o mundo. De acordo com a <a href=\"https:\/\/www.ubs.com\/global\/en\/wealth-management\/chief-investment-office\/about-us\/our-investment-philosophy\/ubs-investor-forum\/_jcr_content\/mainpar\/toplevelgrid_638913673\/col1\/tabteaser\/innergrid_1714031795\/xcol1\/textimage.0052507009.file\/dGV4dD0vY29udGVudC9kYW0vYXNzZXRzL3dtL2dsb2JhbC9jaW8vaW52ZXN0bWVudC1vcHBvcnR1bml0aWVzL2RvYy9maW50ZWNoLXNuYXBzaG90LXVicy1jaW8tbG9uZ2VyLXRlcm0taW52ZXN0bWVudHMtcmVzZWFyY2gtZW4ucGRm\/fintech-snapshot-ubs-cio-longer-term-investments-research-en.pdf\">pesquisa da UBS<\/a>, \u00e9 esperado que a receita global das empresas de tecnologia financeira (&#8220;fintechs&#8221;) cres\u00e7a de US$ 150 bilh\u00f5es em 2018 para US$ 500 bilh\u00f5es em 2030.&nbsp;<\/p>\n\n\n\n<p>A pandemia da COVID-19 s\u00f3 acelerou essas tend\u00eancias. De acordo com um <a href=\"https:\/\/www.bcg.com\/en-gb\/publications\/2020\/bionic-banking-may-be-the-future-of-banking\">estudo do BCG<\/a>, o uso de servi\u00e7os banc\u00e1rios m\u00f3veis cresceu 34% entre fevereiro e junho de 2020, enquanto o movimento banc\u00e1rio em ag\u00eancias diminuiu 12%. H\u00e1 uma expectativa crescente entre os clientes de que seus bancos os encontrem onde estiverem \u2014 e cada vez mais em um smartphone ou laptop.<\/p>\n\n\n\n<p>Durante o <a href=\"https:\/\/www.wework.com\/info\/wework-innovation-summit\">WeWork Innovation Summit ( English )<\/a>, Nick Giraudeau, diretor global de vendas do setor financeiro da WeWork, fez a modera\u00e7\u00e3o de uma conversa entre tr\u00eas l\u00edderes sobre a inova\u00e7\u00e3o que est\u00e1 acontecendo no setor. Os palestrantes falaram sobre os desafios que tanto as fintechs quanto as institui\u00e7\u00f5es tradicionais est\u00e3o enfrentando, e como ser\u00e1 o futuro da inova\u00e7\u00e3o financeira.<\/p>\n\n\n\n<p>Assista \u00e0 <a href=\"https:\/\/www.bigmarker.com\/wework-global\/The-future-of-innovation-in-the-financial-services-industry\/\">grava\u00e7\u00e3o completa do painel aqui<\/a>.\u00a0<\/p>\n\n\n<noscript class=\"ninja-forms-noscript-message\">\n\tAviso: O JavaScript \u00e9 necess\u00e1rio para esse conte\u00fado.<\/noscript>\n<div class=\"wp-block-ninja-forms-form\"><div id=\"nf-form-4-cont\" class=\"nf-form-cont  has-title\" aria-live=\"polite\" aria-labelledby=\"nf-form-title-4\" aria-describedby=\"nf-form-errors-4\" role=\"form\">\n\n    <div class=\"nf-loading-spinner\"><\/div>\n\n<\/div>\n<\/div>        <!-- That data is being printed as a workaround to page builders reordering the order of the scripts loaded-->\n        <script>var formDisplay=1;var nfForms=nfForms||[];var form=[];form.id='4';form.settings={\"objectType\":\"Form Setting\",\"editActive\":true,\"title\":\"Repensando seu espa\\u00e7o de trabalho? 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clicar no bot\\u00e3o acima, voc\\u00ea concorda com nossos&nbsp;<a href=\\\"https:\\\/\\\/www.wework.com\\\/pt-BR\\\/legal\\\/terms-of-service\\\" target=\\\"_blank\\\">Termos de Servi\\u00e7o<\\\/a>&nbsp;e declara que leu e compreendeu nossa&nbsp;<a href=\\\"https:\\\/\\\/www.wework.com\\\/pt-BR\\\/legal\\\/privacy\\\" target=\\\"_blank\\\">Pol\\u00edtica de 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href=\\\"https:\\\/\\\/www.wework.com\\\/pt-BR\\\/legal\\\/terms-of-service\\\" target=\\\"_blank\\\">Termos de Servi\\u00e7o<\\\/a>&nbsp;e declara que leu e compreendeu nossa&nbsp;<a href=\\\"https:\\\/\\\/www.wework.com\\\/pt-BR\\\/legal\\\/privacy\\\" target=\\\"_blank\\\">Pol\\u00edtica de Privacidade<\\\/a>.<\\\/small><\\\/p>\",\"label_pos\":\"above\",\"parentType\":\"html\",\"element_templates\":[\"html\",\"input\"],\"old_classname\":\"\",\"wrap_template\":\"wrap\"}];nfForms.push(form);<\/script>\n                <script id=\"nf-tmpl-cell\" type=\"text\/template\">\r\n            <nf-fields><\/nf-fields>\r\n        <\/script>\r\n\r\n        <script id=\"nf-tmpl-row\" type=\"text\/template\">\r\n            <nf-cells><\/nf-cells>\r\n        <\/script>\r\n\r\n        \n\n\n<h2  id=\"adotando-tecnologia\"class=\"wp-block-heading\"><strong>Adotando tecnologia<\/strong><\/h2>\n\n\n\n<p>Na NatWest, Andy Ellis, diretor de <a href=\"https:\/\/www.wework.com\/ideas\/growth-innovation\/a-financial-innovator-breaks-down-barriers-in-their-workplace\">Ventures na NatWest ( English )<\/a>, ajudou o banco a evoluir em um ritmo mais r\u00e1pido gra\u00e7as \u00e0 tecnologia. \u201cOito ou nove anos atr\u00e1s, muitos bancos tinham medo de mudan\u00e7as, porque ela poderia derrubar seus sistemas\u201d, disse Ellis. \u201cAgora, estamos todos investindo em implanta\u00e7\u00e3o cont\u00ednua e arquiteturas modernas de programa\u00e7\u00e3o.\u201d&nbsp;<\/p>\n\n\n\n<p>Lan\u00e7ando produtos digitais para a NatWest, ele utiliza o conhecimento banc\u00e1rio institucional em conjunto com a energia din\u00e2mica das startups para demonstrar \u00e0 organiza\u00e7\u00e3o que \u201c\u00e9 poss\u00edvel agir rapidamente\u201d, disse ele.&nbsp;<\/p>\n\n\n\n<p>A inova\u00e7\u00e3o tem sido vital para reduzir as dificuldades iniciais de startups como <a href=\"https:\/\/www.uala.com.ar\/\">Ual\u00e1<\/a>, na Argentina, que j\u00e1 gerenciou mais de 3 milh\u00f5es de contas com cerca de 600 funcion\u00e1rios gra\u00e7as \u00e0 tecnologia que ajuda a equipe a obter escala de forma eficiente. Pierpaolo Barbieri, fundador e CEO da Ual\u00e1, disse que a democratiza\u00e7\u00e3o da tecnologia e a dissemina\u00e7\u00e3o dos aplicativos m\u00f3veis foram vitais para abrir as portas para a Ual\u00e1.<\/p>\n\n\n\n<p>\u201cA digitaliza\u00e7\u00e3o n\u00e3o era poss\u00edvel (no setor financeiro) por muito tempo\u201d, disse ele. \u201cMas desde a revolu\u00e7\u00e3o dos aplicativos, exig\u00eancias iniciais como KYC (conhe\u00e7a seu cliente) e AML (contra lavagem de dinheiro) podem ser atendidas com uma tecnologia melhor.\u201d&nbsp;&nbsp;<\/p>\n\n\n\n<h2  id=\"atraindo-pessoas-sem-contas-banc%c3%a1rias\"class=\"wp-block-heading\"><strong>Atraindo pessoas sem contas banc\u00e1rias<\/strong><\/h2>\n\n\n\n<p>A digitaliza\u00e7\u00e3o est\u00e1 come\u00e7ando a possibilitar solu\u00e7\u00f5es para consumidores em todo o mundo, inclusive para bilh\u00f5es de adultos que n\u00e3o t\u00eam uma conta banc\u00e1ria. \u00c9 uma inova\u00e7\u00e3o extremamente necess\u00e1ria, segundo os palestrantes. \u201cTemos que atrair quem n\u00e3o tem conta\u201d, disse Andy Maguire, presidente do departamento banc\u00e1rio global, diretor administrativo e s\u00f3cio s\u00eanior do <a href=\"https:\/\/www.bcg.com\/en-us\/\">Boston Consulting Group<\/a>. \u201cPrecisamos cuidar dos clientes vulner\u00e1veis. Eles precisam de aten\u00e7\u00e3o.\u201d&nbsp;<\/p>\n\n\n\n<p>Empresas de fintech como a Ual\u00e1 trazem as vantagens de um banco com base em tecnologia para comunidades globais marginalizadas. Na Argentina de Barbieri, mais da metade da <a href=\"https:\/\/www.ft.com\/content\/23db80d4-6193-4b22-8b15-074ba2f96d1c\">popula\u00e7\u00e3o n\u00e3o tem uma conta banc\u00e1ria<\/a>.&nbsp;<\/p>\n\n\n\n<p>Para Barbieri, h\u00e1 uma oportunidade de proporcionar \u00e0s pessoas uma maneira segura de gerenciar seu dinheiro capitalizando sobre a <a href=\"https:\/\/www.batimes.com.ar\/news\/argentina\/nine-in-ten-young-adults-in-argentina-use-social-media-new-study-finds.phtml\">alta taxa de propriedade de smartphones<\/a>da Argentina. Inicialmente, os usu\u00e1rios receberam um Mastercard gratuito e pr\u00e9-pago vinculado \u00e0 sua conta Ual\u00e1 em seus telefones, com o qual podiam enviar e receber recursos, al\u00e9m de retirar dinheiro de uma rede de caixas eletr\u00f4nicos. Agora, a Ual\u00e1 abrange empr\u00e9stimos, poupan\u00e7a e cart\u00f5es digitais, expandindo rapidamente sua base de clientes em toda a Am\u00e9rica Latina.<\/p>\n\n\n\n<p>&#8220;A grande oportunidade da digitaliza\u00e7\u00e3o \u00e9 reduzir radicalmente o custo de fornecimento de determinados servi\u00e7os financeiros em sociedades que n\u00e3o t\u00eam a penetra\u00e7\u00e3o banc\u00e1ria dos mercados (ocidentais)&#8221;, disse Barbieri. \u201cCom uma conta e um mecanismo de pagamento, voc\u00ea pode acessar outros servi\u00e7os financeiros comuns, como seguros e contas de poupan\u00e7a, al\u00e9m de empr\u00e9stimos a uma taxa razo\u00e1vel.\u201d&nbsp;<\/p>\n\n\n\n<h2  id=\"nem-tudo-pode-ou-deveria-ser-digital\"class=\"wp-block-heading\"><strong>Nem tudo pode \u2014 ou deveria \u2014 ser digital<\/strong><\/h2>\n\n\n\n<p>Embora os avan\u00e7os na tecnologia facilitaram para as startups obter escala e gerenciar contas com equipes enxutas, os tr\u00eas palestrantes concordaram que o setor banc\u00e1rio ainda est\u00e1 focado em manter a confian\u00e7a dos seus clientes, algo que n\u00e3o pode ser resolvido simplesmente com programa\u00e7\u00e3o.&nbsp;<\/p>\n\n\n\n<p>\u201cNem tudo se resume \u00e0 tecnologia\u201d, disse Maguire. \u201cMuitas pessoas n\u00e3o t\u00eam um telefone celular com muitos recursos ou n\u00e3o t\u00eam condi\u00e7\u00f5es para comprar, e precisamos pensar nelas. Muitas coisas que precisam ser feitas n\u00e3o s\u00e3o digitais.\u201d&nbsp;&nbsp;<\/p>\n\n\n\n<p>Essa perspectiva foi compartilhada por Barbieri, que acredita que a IA e o aprendizado de m\u00e1quina s\u00e3o mais \u00fateis em tarefas simples e demoradas, podendo liberar recursos de um banco para a resolu\u00e7\u00e3o de problemas mais complexos e vitais. \u201cO segredo da automa\u00e7\u00e3o \u00e9 automatizar o que voc\u00ea <em>pode <\/em>automatizar, para que as coisas que precisam ser de intera\u00e7\u00e3o humana com um cliente&#8230; possam ser humanas\u201d, disse Barbieri, que acrescentou que realiza turnos de consultas a clientes em campo.&nbsp;<\/p>\n\n\n\n<h2  id=\"espa%c3%a7o-para-inova%c3%a7%c3%a3o\"class=\"wp-block-heading\"><strong>Espa\u00e7o para inova\u00e7\u00e3o<\/strong><\/h2>\n\n\n\n<p>A COVID-19 tamb\u00e9m transformou a forma como os servi\u00e7os banc\u00e1rios e financeiros pensam sobre o escrit\u00f3rio. Muitos bancos tradicionais est\u00e3o planejando um <a href=\"\/pt-BR\/ideas\/research-insights\/research-studies\/the-future-of-work-is-hybrid\">local de trabalho mais h\u00edbrido<\/a> no futuro, <a href=\"https:\/\/www.pwc.com\/us\/en\/industries\/financial-services\/library\/balancing-remote-and-in-office-work.html\">e para quase 70%<\/a> h\u00e1 uma expectativa de uma mistura de hor\u00e1rios remotos e no escrit\u00f3rio para os funcion\u00e1rios. Os bancos buscar\u00e3o solu\u00e7\u00f5es de local de trabalho que possam ser redimensionadas a escalas maiores e menores, dependendo das necessidades. A Ual\u00e1, que usa escrit\u00f3rios da WeWork, cresceu abruptamente gra\u00e7as \u00e0 demanda provocada pela COVID-19, e suas necessidades de espa\u00e7o cresceram com ela. &#8220;Muitas partes de um banco n\u00e3o s\u00e3o muito diferentes de uma WeWork&#8221;, disse Ellis. &#8220;Estamos nos movendo em dire\u00e7\u00e3o a essa flexibilidade.&#8221;<\/p>\n\n\n\n<p>A tecnologia reduziu as dificuldades iniciais e facilitou a expans\u00e3o de servi\u00e7os que as empresas financeiras oferecem \u00e0s pessoas em todo o mundo. Ela ajudou a trazer bilh\u00f5es de pessoas sem contas banc\u00e1rias para o sistema financeiro moderno. Tanto para institui\u00e7\u00f5es tradicionais quanto para empresas inovadoras de fintech, a digitaliza\u00e7\u00e3o transformou o setor financeiro, trazendo servi\u00e7os financeiros para as pessoas que precisam deles, independentemente de estejam.<\/p>\n\n\n\n<p><em>Assista \u00e0<\/em> <a href=\"https:\/\/www.bigmarker.com\/wework-global\/The-future-of-innovation-in-the-financial-services-industry\/\"><em>grava\u00e7\u00e3o completa do painel aqui<\/em><\/a><em>.\u00a0<\/em><\/p>\n\n\n\n<p><em>T.M. Brown \u00e9 jornalista, escritor e apresentador de podcast, e mora em Nova York.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>O futuro das finan\u00e7as \u00e9 mais justo, r\u00e1pido e flex\u00edvel<\/p>\n","protected":false},"author":2163,"featured_media":2852,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"template-single-archived.blade.php","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1960,1955],"tags":[1951,42,1973,1976],"class_list":["post-2850","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expert-insights","category-research-insights","tag-finance","tag-innovation","tag-webinar","tag-wework-innovation-summit"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.4 (Yoast SEO v25.3.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Como a inova\u00e7\u00e3o est\u00e1 transformando o setor financeiro - Ideas (pt-BR)<\/title>\n<meta name=\"description\" content=\"O futuro das finan\u00e7as \u00e9 mais justo, r\u00e1pido e flex\u00edvel.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wework.com\/pt-BR\/ideas\/research-insights\/how-innovation-is-transforming-the-financial-sector\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Como a inova\u00e7\u00e3o est\u00e1 transformando o setor financeiro\" \/>\n<meta property=\"og:description\" content=\"O futuro das finan\u00e7as \u00e9 mais justo, r\u00e1pido e flex\u00edvel.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wework.com\/pt-BR\/ideas\/research-insights\/how-innovation-is-transforming-the-financial-sector\" \/>\n<meta property=\"og:site_name\" content=\"Ideas (pt-BR)\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-13T14:06:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-07-30T15:53:37+00:00\" \/>\n<meta name=\"author\" content=\"T.M. 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