Open | Imagem gerada por IA/AdobeA pergunta que empresas internacionais de pagamentos, crédito e tecnologia fazem hoje já não é se vale entrar, e sim por qual porta.
Open | Imagem gerada por IA/AdobeA pergunta que empresas internacionais de pagamentos, crédito e tecnologia fazem hoje já não é se vale entrar, e sim por qual porta.
Em contexto
- Tema: Bancos e Fintech — Banco digital, pagamentos, open banking e regulação financeira.
- Fonte: Finsiders Brasil
- Publicado: 20/08/2026
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
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 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
What I see fail most is underestimated compliance load. The product gets designed around the customer and legal comes in late, once it is already built. That is when requirements appear that force whole flows to be redone, and what was going to ship in one quarter ships in three.
What to watch
- Which part of the customer relationship ends up with a third party and whether that is reversible.
- 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.
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.
