Febraban Tech has established itself as the leading forum for innovation, regulation and business discussions within Brazil’s financial sector. In a market undergoing deep technological transformation — and with customers becoming increasingly demanding — the event highlights how banks, fintechs, regulators and technology companies are designing the future of a more open, connected, data-driven and secure financial ecosystem.
This year was no different: the event brought together thousands of professionals and industry leaders to discuss practical pathways and solutions that go far beyond theory, focusing on real impact and value generation. Below, we summarize the main insights and trends presented at the event, with a focus on what they represent for organizations operating in or designing solutions for the financial industry.
Open Finance Maturity in Brazil
Brazil’s open finance ecosystem has reached a new level of maturity and is becoming a central infrastructure for innovative financial products. The growing adoption of data sharing — with 46.8 million active data-sharing consents as transmitters and 36.7 million as receivers, according to the Febraban Banking Technology Survey 2025 — demonstrates that consumers now perceive tangible value in exchanging data for more personalized services and superior digital experiences.
Beyond enabling new product creation, Open Finance is reshaping the strategies of banks and fintechs, which must be able to consume, integrate and activate data in real time. The accelerated growth of financial aggregators (now present in 50% of institutions, up from 38% the previous year) reveals how quickly the “centralization” of financial lives is advancing across platforms that offer greater control and convenience.
Market impact: Companies building data management, consent and financial aggregation solutions are becoming essential players in this emerging banking architecture.
Pix 2.0 e Drex
Brazil’s instant payment system has evolved far beyond its initial purpose. Pix is now a complete transaction ecosystem with features such as Pix Guarantee, Pix Installments, Pix Automatic Payments and contactless Pix — all of which expand its potential to replace cards and traditional payment slips. In 2024, Pix via mobile devices reached nearly 25 billion transactions, a 41% increase from the previou
Drex, Brazil’s digital real initiative, marks a major step toward adopting Distributed Ledger Technology (DLT) in the financial sector. With a strong focus on asset tokenization, automated collateral management and smart contracts, Drex promises to streamline processes, reduce intermediation costs and accelerate the credit origination lifecycle.
Market impact: Institutions must revisit credit and collection processes and prepare for new opportunities related to tokenization, smart contracts and automated collateral workflows.
Financial Inclusion
For decades, access to financial services was one of Brazil’s major structural challenges. This began to change with the rise of digital channels and the rapid expansion of mobile banking. In 2024, according to the Febraban survey, 75% of Brazil’s 208+ billion financial transactions took place on mobile devices — a 15% increase from the previous year. Nearly 48% of newly opened accounts were created digitally.
Beyond access, customer behavior is also shifting: today, 78% of active clients are considered heavy users of mobile banking, performing more than 80% of their transactions through the channel.
Market impact: Digital penetration must continue to accelerate. Solutions focused on onboarding simplification, experience fluidity and security will define the next era of financial inclusion.
Generative AI
Generative AI was one of the main protagonists of the event, showcasing applications from natural-language customer service to automated contract analysis, financial reporting generation and regulatory insight extraction.
At the event, Evertec + Sinqia presented its “AI First” strategy, backed by a BRL 30 million investment in research and development to integrate generative AI across its operations — improving development speed and boosting efficiency in customer service, onboarding and fund integration processes.
However, this rapid adoption also brought critical discussions regarding ethics, transparency and algorithmic governance. In a sector dealing with highly sensitive data, the need for robust oversight, auditability and explainability in AI models is growing.
Market impact: AI solution providers must prioritize governance frameworks, privacy standards and regulatory alignment to ensure trust, security and transparency.
Cybersecurity
Cybersecurity is no longer a purely technical concern — it is a strategic pillar and a competitive differentiator. With the expansion of Open Finance, Pix and mobile banking, cyber risks increase significantly, making digital trust as important as financial stability.
During the event, experts reinforced the importance of a “security by design” approach: security must be embedded from the earliest stages of solution development, with interoperable protocols and advanced intelligence for prevention and incident response.
Market impact: Institutions must adopt solutions that combine strong protection with high performance, ensuring compliance and seamless customer experience in open ecosystems.
Fintechization and Hybrid Ecosystems
Febraban Tech 2025 made it clear: the collaboration between traditional banks and fintechs is not a trend — it is an established reality shaping the future of Brazil’s financial market. Models such as Banking as a Service (BaaS), Embedded Finance and white label banking continue to gain relevance.
This evolution is blurring the lines between financial institutions and tech companies. “Fintechization” is driving the creation of hybrid ecosystems that combine the robustness of banks with the agility of fintechs.
Market impact: The future belongs to modular, API-driven, highly integrated financial ecosystems.
Beyond Banking
Banks are evolving to become integrated digital platforms, offering customers not only traditional financial services but also insurance, loyalty programs, marketplaces and convenience solutions. In 2024, more than 7.4 million customers engaged with banking marketplaces, and digital insurance purchases exceeded 78 million contracts — a 14% increase year over year.
This expansion goes beyond simply offering products: it is about orchestrating a seamless and personalized experience, connecting multiple partners and solutions within a unified ecosystem.
Market impact: There’s growing demand for solutions that orchestrate partner integration, product personalization and dynamic offers at scale.
Connectivity and IoT
The growth of the Internet of Things (IoT), combined with connected POS systems, smart ATMs and wearable integration, is reshaping the financial experience. This connectivity enables contextual and responsive interactions — from real-time risk notifications to geo-personalized financial offers.
This transformation paves the way for a more dynamic financial experience, where every touchpoint becomes an opportunity for deeper engagement and enhanced security.
Market impact: Institutions will need real-time processing, low latency and robust security to support hyperconnected financial experiences.
Conclusion
Febraban Tech 2025 made one thing clear: the future of Brazil’s financial system will be defined by collaboration, responsible technology adoption and customer-centric innovation, all supported by strong regulatory and ethical foundations.
Evertec + Sinqia was present at the event and continues to monitor key trends to deliver robust, innovative solutions to the financial market.
Want to learn more? Download the full report with the main insights, data and reflections from Febraban Tech 2025.
