Open banking deve trazer resultados para consumidor no médio prazo, dizem fintechs
As fintechs acreditam que o open banking, padrão para compartilhamento de informações financeiras, deve trazer resultados apenas no médio prazo para o consumidor final. O Banco Central iniciará a implementação, em quatro etapas, a partir de 30 de novembro deste ano.
“Vejo uma maturidade do open banking a médio e longo prazo, depois de 2024”, afirmou Fernando Miranda, CEO da Easynvest, em evento em São Paulo, comparando o período com aquele identificado em outros países, como a Inglaterra. “Para ter um open banking que funcione, todos os atores têm de jogar e organizar de maneira mais sincronizada.”
Um dos desafios é chegar a um consenso sobre a forma de compartilhamento de informações entre as instituições financeiras, o que será feito no país a partir de convenções formadas com representantes do mercado. “A Europa precisava menos de open banking do que o Brasil, porque ali havia menos assimetria de informação”, diz Sergio Furio, presidente da Creditas. “No Brasil, acredito que seja algo para dois a três anos à frente, porque é impossível ‘virar’ no curto prazo”.
O presidente do banco Inter, João Vitor Menin, ressaltou que as informações hoje disponíveis para o mercado de crédito no Brasil já são abundantes, portanto, o banco digital é mais cético com relação à transformação que o open banking pode trazer ao mercado.
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