Endeavor capta US$ 320 milhões com investimento do Itaú Ventures
Imagem gerada por IA - ChatGPT/OpenAIQuinto fundo da gestora reúne 432 investimentos em 44 países e amplia o acesso do banco a empresas e tecnologias globais
Imagem gerada por IA - ChatGPT/OpenAIQuinto fundo da gestora reúne 432 investimentos em 44 países e amplia o acesso do banco a empresas e tecnologias globais
Em contexto
- Tema: Banca y Fintech — Banca digital, pagos, open banking y regulación financiera.
- Fonte: Finsiders Brasil
- Publicado: 08/10/2026
Continuar lendo na fonte original →
Trecho publicado automaticamente pelo radar do site. O texto completo pertence ao veículo e está vinculado acima.
Why it matters
What I see behind almost every digital banking story is the same tension: the front end is modern and the core is still a system that has been running for twenty years and nobody dares touch. The distance between those two layers explains most of the projects that slip.
I separate what improves the customer's life from what improves the bank's margin. Sometimes they coincide, and those are the good projects. When they do not, it is worth saying so out loud in committee, because a project that only improves margin shows up in customer satisfaction sooner than people expect.
What usually goes wrong
Where it usually breaks is customer service. The product launches, the support team finds out the week before, and when somebody calls because the money did not arrive nobody knows what to tell them. Trust is lost there, not in the technical outage that caused it.
What to watch
- How daily reconciliation is left, which is where the cases nobody modelled show up.
- What the local regulator requires and by when, because the deadline is usually the real constraint.
- How money is returned when something fails, and how fast the customer sees it.
How I read this entry
What I would ask for before approving something like this is the plan for when it fails: how the customer gets their money back, in what timeframe, who authorises it and what they are told meanwhile. In payments, the quality of the recovery matters more than the quality of the happy path.
The original story is published in another language; the excerpt is quoted as the publisher delivers it and the commentary is written in English.
Comments
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Living through this in your own team?
Open the chat and tell me how you're handling it. I'm interested in comparing notes.
