Marcelo Tangioni/Mastercard | Imagem: Danylo Martins/Finsiders BrasilSegmento pode migrar até US$ 750 bilhões hoje pagos por boleto e outros meios para os trilhos de cartão, estima Mastercard
Marcelo Tangioni/Mastercard | Imagem: Danylo Martins/Finsiders BrasilSegmento pode migrar até US$ 750 bilhões hoje pagos por boleto e outros meios para os trilhos de cartão, estima Mastercard
Em contexto
- Tema: Banca y Fintech — Banca digital, pagos, open banking y regulación financiera.
- Fonte: Finsiders Brasil
- Publicado: 26/08/2026
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
Financial services has one characteristic that makes it unlike every other sector: it can fail on experience and survive, but it cannot fail on trust. That is why moves that look slow from the outside are usually prudent from the inside.
I read these stories with two questions on top: what happens to cost per transaction and what happens to risk. If cost drops but risk rises without anybody measuring it, the saving is borrowed and gets repaid with interest on the day of the first incident.
What usually goes wrong
The mistake that repeats is testing only the happy path. It gets validated that the transaction works, not that the reversal works, that duplicates are caught, that a power cut mid-operation leaves everything consistent. Those cases are ninety per cent of the real work and ten per cent of the testing.
What to watch
- What happens to cost per transaction at real volume, which is where the business is decided.
- 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 I read this entry
I would treat it as a conversation about partnerships rather than product. In this sector fewer and fewer institutions build everything, and the relevant decision is who you partner with and which part of the customer relationship you hand over. That handover is hard to reverse later.
The original story is published in another language; the excerpt is quoted as the publisher delivers it and the commentary is written in English.
Living through this in your own team?
Open the chat and tell me how you're handling it. I'm interested in comparing notes.
