{"id":49193,"date":"2025-04-17T08:00:00","date_gmt":"2025-04-17T11:00:00","guid":{"rendered":"https:\/\/trends.sinqia.com.br\/tecnologia-bancaria\/"},"modified":"2025-04-22T09:01:42","modified_gmt":"2025-04-22T12:01:42","slug":"tecnologia-bancaria","status":"publish","type":"post","link":"https:\/\/evertectrends.com\/pt-br\/tecnologia-bancaria\/","title":{"rendered":"As tend\u00eancias da Pesquisa Febraban de Tecnologia Banc\u00e1ria 2025"},"content":{"rendered":"<p><span data-contrast=\"none\">A\u202f<\/span><b><span data-contrast=\"none\">Pesquisa Febraban de Tecnologia Banc\u00e1ria<\/span><\/b><span data-contrast=\"none\">, que agora alcan\u00e7a sua 34\u00aa edi\u00e7\u00e3o, oferece uma an\u00e1lise de larga escala do cen\u00e1rio tecnol\u00f3gico e comportamental do setor banc\u00e1rio no Brasil. Por isso, \u00e9 uma importante refer\u00eancia para esse mercado.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">O primeiro volume examina os investimentos e tend\u00eancias voltados para tecnologia, enquanto o segundo volume se aprofunda nas transa\u00e7\u00f5es banc\u00e1rias e no comportamento do consumidor.\u202f<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">A coleta de dados ocorreu ao longo de um per\u00edodo de quatro meses, entre dezembro de 2024 e mar\u00e7o de 2025, combinando formul\u00e1rios eletr\u00f4nicos e entrevistas detalhadas conduzidas com l\u00edderes de tecnologia.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">A participa\u00e7\u00e3o ativa de 20 bancos, que representam impressionantes 85% dos ativos da\u202find\u00fastria banc\u00e1ria nacional, juntamente com 30 executivos, garantiram uma an\u00e1lise robusta e representativa do setor, enriquecida ainda mais pela inclus\u00e3o de dados p\u00fablicos e pesquisas conduzidas pela Deloitte.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Continue sua leitura e confira os <\/span><b><span data-contrast=\"none\">resultados do primeiro volume <\/span><\/b><span data-contrast=\"none\">da pesquisa de Tecnologia Banc\u00e1ria 2025.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Tecnologia banc\u00e1ria 2025: prioridades estrat\u00e9gicas<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Em um cen\u00e1rio cada vez mais digital e competitivo, as\u202fprioridades estrat\u00e9gicas\u202fda\u202f<\/span><b><span data-contrast=\"none\">Tecnologia da Informa\u00e7\u00e3o<\/span><\/b><span data-contrast=\"none\">\u202f(TI) no setor banc\u00e1rio, conforme reveladas pela Pesquisa Febraban de Tecnologia Banc\u00e1ria de 2025, est\u00e3o direcionadas para:\u202f<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Inova\u00e7\u00e3o tecnol\u00f3gica, com 82% de ado\u00e7\u00e3o, impulsionada pelo uso da GenAI e a migra\u00e7\u00e3o de dados para a nuvem;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">Seguran\u00e7a e privacidade de dados, com 82% de a\u00e7\u00f5es voltadas para <\/span><a href=\"https:\/\/sinqia.com.br\/2024\/01\/10\/fernando-malta-seguranca-informacao\/\"><span data-contrast=\"none\">mitigar riscos cibern\u00e9ticos<\/span><\/a><span data-contrast=\"none\">, prevenir fraudes e garantir a prote\u00e7\u00e3o das informa\u00e7\u00f5es;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">Personaliza\u00e7\u00e3o de produtos e servi\u00e7os, a partir da explora\u00e7\u00e3o de dados via Open Finance, customiza\u00e7\u00e3o de produtos pelo cliente e an\u00e1lise preditivas usando <\/span><a href=\"https:\/\/sinqia.com.br\/2023\/05\/11\/inteligencia-artificial\/\"><span data-contrast=\"none\">intelig\u00eancia artificial<\/span><\/a><span data-contrast=\"none\">, com 76% de utiliza\u00e7\u00e3o.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Esses pilares refletem a preocupa\u00e7\u00e3o das institui\u00e7\u00f5es financeiras em garantir intera\u00e7\u00f5es mais \u00e1geis, intuitivas e seguras, que estejam alinhadas diretamente com as expectativas dos consumidores, para ampliar o relacionamento com seus clientes e atender as novas demandas com <\/span><a href=\"https:\/\/sinqia.com.br\/2024\/04\/19\/servicos-sinqia\/\"><span data-contrast=\"none\">inova\u00e7\u00e3o<\/span><\/a><span data-contrast=\"none\"> e efici\u00eancia.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335557856&quot;:16777215,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Investimentos dos bancos nas estrat\u00e9gias de diferencia\u00e7\u00e3o<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Ao longo dos anos, a tecnologia vem se tornando um importante motor de transforma\u00e7\u00e3o digital e fortalecimento da competitividade no setor banc\u00e1rio. Com isso, as institui\u00e7\u00f5es financeiras t\u00eam investido de forma consistente nessa \u00e1rea, demonstrando seu compromisso com a inova\u00e7\u00e3o.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">No Brasil, os bancos ampliaram seus investimentos em tecnologia em 58,4% nos \u00faltimos 5 anos, passando de R$26,7 bilh\u00f5es em 2020, para R$42,3 bilh\u00f5es no ano de 2024. Em 2025, espera-se que as despesas e investimentos em tecnologia no setor banc\u00e1rio <\/span><b><span data-contrast=\"none\">atinjam a marca de R$47,8 bilh\u00f5es, representando um aumento de 13% em rela\u00e7\u00e3o ao ano anterior.\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<figure id=\"attachment_55247\" aria-describedby=\"caption-attachment-55247\" style=\"width: 903px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-55247 size-full\" src=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-1.png\" alt=\"\" width=\"903\" height=\"552\" srcset=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-1.png 903w, https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-1-300x183.png 300w, https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-1-768x469.png 768w\" sizes=\"(max-width: 903px) 100vw, 903px\" \/><figcaption id=\"caption-attachment-55247\" class=\"wp-caption-text\">Fonte: Pesquisa Febraban de Tecnologia Banc\u00e1ria 2025<\/figcaption><\/figure>\n<p><span data-contrast=\"none\">Em compara\u00e7\u00e3o a 2024, neste ano, os bancos projetam ampliar em 61% os investimentos em IA, Analitycs e Big Data, e em 59% na migra\u00e7\u00e3o para cloud. A integra\u00e7\u00e3o dessas tecnologias permitir\u00e1 um cen\u00e1rio cada vez mais disruptivo, mas tamb\u00e9m levar\u00e1 os bancos a investir mais em projetos regulat\u00f3rios, com destaque para um aumento or\u00e7ament\u00e1rio de 48% envolvendo iniciativas com PIX e de 65% no amadurecimento do Open Finance.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Esses dados refletem a necessidade do setor em contar com uma base tecnol\u00f3gica s\u00f3lida e escal\u00e1vel para suportar essas evolu\u00e7\u00f5es e, com isso, possam ganhar efici\u00eancia, gerar experi\u00eancias melhores para seus clientes e expandir suas opera\u00e7\u00f5es de maneira inovadora e em conformidade regulat\u00f3ria.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<figure id=\"attachment_55246\" aria-describedby=\"caption-attachment-55246\" style=\"width: 918px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-55246 size-full\" src=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-2.png\" alt=\"\" width=\"918\" height=\"528\" srcset=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-2.png 918w, https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-2-300x173.png 300w, https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-2-768x442.png 768w\" sizes=\"(max-width: 918px) 100vw, 918px\" \/><figcaption id=\"caption-attachment-55246\" class=\"wp-caption-text\">Fonte: Pesquisa Febraban de Tecnologia Banc\u00e1ria 2025<\/figcaption><\/figure>\n<h3 aria-level=\"2\"><span data-contrast=\"none\">IA: Efici\u00eancia e personaliza\u00e7\u00e3o<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Segundo a pesquisa de Tecnologia Banc\u00e1ria 2025, entre os benef\u00edcios que o uso da IA pode oferecer, est\u00e3o a redu\u00e7\u00e3o de custos e o ganho de efici\u00eancia operacional, ambos com 74%, seguidos pelo refor\u00e7o na seguran\u00e7a de dados com o aumento na detec\u00e7\u00e3o e preven\u00e7\u00e3o de fraudes (63%), suporte para an\u00e1lise de dados (58%) e uma melhora na personaliza\u00e7\u00e3o dos servi\u00e7os (47%).<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<figure id=\"attachment_55245\" aria-describedby=\"caption-attachment-55245\" style=\"width: 586px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-55245 size-full\" src=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-3.png\" alt=\"\" width=\"586\" height=\"531\" srcset=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-3.png 586w, https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-3-300x272.png 300w\" sizes=\"(max-width: 586px) 100vw, 586px\" \/><figcaption id=\"caption-attachment-55245\" class=\"wp-caption-text\">Fonte: Pesquisa Febraban de Tecnologia Banc\u00e1ria 2025<\/figcaption><\/figure>\n<p><span data-contrast=\"none\">A crescente ades\u00e3o dessa tecnologia em diferentes processos banc\u00e1rios se deve tanto a versatilidade e impactos que a IA pode gerar, quanto pela maior busca por experi\u00eancias personalizadas, tornando a <\/span><a href=\"https:\/\/evertectrends.com\/hiperpersonalizacao-e-omnicanalidade-e-a-experiencia-do-cliente\/\"><span data-contrast=\"none\">hiperpersonaliza\u00e7\u00e3o<\/span><\/a><span data-contrast=\"none\"> um diferencial competitivo valioso para os bancos, sobretudo quando ela se reflete em maior satisfa\u00e7\u00e3o para os clientes.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><span data-contrast=\"none\">IA e GenAI: ganhos de efici\u00eancia mensur\u00e1veis<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">De acordo com o levantamento sobre Tecnologia Banc\u00e1ria 2025 da Febraban, cerca de 8 em cada 10 bancos j\u00e1 integraram solu\u00e7\u00f5es de IA generativa em suas opera\u00e7\u00f5es, reconhecendo o seu papel estrat\u00e9gico como agente de transforma\u00e7\u00e3o banc\u00e1ria, seja no atendimento ao cliente (72%), como no desenvolvimento de sistemas e opera\u00e7\u00f5es (67%) ou na personaliza\u00e7\u00e3o de intera\u00e7\u00f5es com o cliente (50%).<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">O que antes era implementado apenas com foco em automa\u00e7\u00e3o e an\u00e1lise de dados, agora com a GenAI, o impacto da intelig\u00eancia artificial no setor banc\u00e1rio alcan\u00e7ou propor\u00e7\u00f5es maiores, possibilitando aos bancos obter um aumento de 11,4% no ganho de efici\u00eancia em seus processos. Das institui\u00e7\u00f5es financeiras que participaram dessa pesquisa, 38% deles afirmam ter alcan\u00e7ado n\u00edveis de efici\u00eancia superiores a 20% ap\u00f3s implementa\u00e7\u00e3o da IA e GenAI.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<figure id=\"attachment_55244\" aria-describedby=\"caption-attachment-55244\" style=\"width: 923px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-55244 size-full\" src=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-4.png\" alt=\"\" width=\"923\" height=\"241\" srcset=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-4.png 923w, https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-4-300x78.png 300w, https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-4-768x201.png 768w\" sizes=\"(max-width: 923px) 100vw, 923px\" \/><figcaption id=\"caption-attachment-55244\" class=\"wp-caption-text\">Fonte: Pesquisa Febraban de Tecnologia Banc\u00e1ria 2025<\/figcaption><\/figure>\n<p><span data-contrast=\"none\">Os ganhos mensur\u00e1veis na efici\u00eancia operacional dos bancos resultantes da integra\u00e7\u00e3o de IA e GenAI em seus processos s\u00f3 refor\u00e7am o potencial dessas tecnologias em otimizar opera\u00e7\u00f5es, reduzir custos, oferecer intera\u00e7\u00f5es mais contextualizadas e impulsionar novas formas de atua\u00e7\u00e3o no setor.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">\u00c0 medida que a implementa\u00e7\u00e3o de GenAI avan\u00e7a no setor banc\u00e1rio, se faz necess\u00e1rio adotar diretrizes de governan\u00e7a eficientes, visando garantir mais transpar\u00eancia, seguran\u00e7a e conformidade regulat\u00f3ria no uso dessa tecnologia. Apesar disso, na pesquisa de Tecnologia Banc\u00e1ria 2025, somente 3 em cada 10 bancos participantes afirmaram possuir um modelo formal de <\/span><a href=\"https:\/\/evertectrends.com\/governanca-2-0-e-a-inovacao-inclusiva\/\"><span data-contrast=\"none\">governan\u00e7a<\/span><\/a><span data-contrast=\"none\"> voltada para GenAI.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><span data-contrast=\"none\">Cloud como catalisadora na ado\u00e7\u00e3o da GenAI<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Para avan\u00e7ar em sua jornada de transforma\u00e7\u00e3o digital, \u00e9 de suma import\u00e2ncia que as institui\u00e7\u00f5es financeiras alinhem o uso da IA e GenAI com ferramentas de Cloud, uma vez que as solu\u00e7\u00f5es de armazenamento de dados em nuvem permitem que as tecnologias baseadas em IA maximizem seu potencial, seja facilitando o acesso e processamento de grande volume de dados em tempo real, seja eliminando barreiras de infraestrutura, reduzindo custos ou ampliando os ganhos em efici\u00eancia, inova\u00e7\u00e3o e escalabilidade.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Na Pesquisa de Tecnologia Banc\u00e1ria, todos os dom\u00ednios de neg\u00f3cios avaliados migraram para nuvem em 2024. Em bancos com maior n\u00edvel de maturidade em tecnologias de IA, 100% do Open Banking\/Finance e 67% do PIX migraram para a nuvem.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<figure id=\"attachment_55243\" aria-describedby=\"caption-attachment-55243\" style=\"width: 875px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-55243 size-full\" src=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-5.png\" alt=\"\" width=\"875\" height=\"254\" srcset=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-5.png 875w, https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-5-300x87.png 300w, https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-5-768x223.png 768w\" sizes=\"(max-width: 875px) 100vw, 875px\" \/><figcaption id=\"caption-attachment-55243\" class=\"wp-caption-text\">Fonte: Pesquisa Febraban de Tecnologia Banc\u00e1ria 2025<\/figcaption><\/figure>\n<h3 aria-level=\"2\"><span data-contrast=\"none\">IA na ciberseguran\u00e7a<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Outro ponto que segue em destaque no setor financeiro \u00e9 a <\/span><a href=\"https:\/\/evertectrends.com\/inteligencia-artificial-ciberseguranca\/\"><span data-contrast=\"none\">ciberseguran\u00e7a<\/span><\/a><span data-contrast=\"none\">. Com os avan\u00e7os na complexidade e sofistica\u00e7\u00e3o dos golpes digitais, <\/span><b><span data-contrast=\"none\">garantir mais seguran\u00e7a se tornou prioridade na gest\u00e3o de riscos e vulnerabilidades de 90% das empresas.\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Segundo a pesquisa, 56% dos bancos j\u00e1 contam com especialistas em ciberseguran\u00e7a nos conselhos de administra\u00e7\u00e3o e 40% deles possuem ao menos um profissional de seguran\u00e7a apoiando os squads de tecnologia. Isso demonstra que a\u00e7\u00f5es de ciberseguran\u00e7a n\u00e3o devem integrar apenas etapas de onboarding digital, mas toda a jornada banc\u00e1ria, desde a coleta e an\u00e1lise dos dados, at\u00e9 a entrega de novos servi\u00e7os para os clientes.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Nesse cen\u00e1rio, as tecnologias baseadas em IA surgem como importantes aliadas, permitindo aos bancos se antecipar frente \u00e0s amea\u00e7as cibern\u00e9ticas e garantir a continuidade das opera\u00e7\u00f5es com seguran\u00e7a e confiabilidade.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Somado a isso, a Pesquisa Febraban de Tecnologia Banc\u00e1ria tamb\u00e9m aponta medidas de preven\u00e7\u00e3o \u00e0 lavagem de dinheiro e fraude como estrat\u00e9gias de seguran\u00e7a valiosas, onde a implementa\u00e7\u00e3o de tecnologias e presen\u00e7a de equipes de analytics dedicadas a essa \u00e1rea s\u00e3o elementos vitais para iniciativas bem-sucedidas.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<figure id=\"attachment_55242\" aria-describedby=\"caption-attachment-55242\" style=\"width: 1383px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-55242 size-full\" src=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-6.png\" alt=\"\" width=\"1383\" height=\"557\" srcset=\"https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-6.png 1383w, https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-6-300x121.png 300w, https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-6-1024x412.png 1024w, https:\/\/evertectrends.com\/wp-content\/uploads\/2024\/07\/febraban-6-768x309.png 768w\" sizes=\"(max-width: 1383px) 100vw, 1383px\" \/><figcaption id=\"caption-attachment-55242\" class=\"wp-caption-text\">Fonte: Pesquisa Febraban de Tecnologia Banc\u00e1ria 2025<\/figcaption><\/figure>\n<h3 aria-level=\"2\"><span data-contrast=\"none\">Explorando o Open Finance em busca da diferencia\u00e7\u00e3o<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559738&quot;:40,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">O n\u00famero de ades\u00f5es para compartilhamento de dados banc\u00e1rios no \u00e2mbito do Open Finance <\/span><a href=\"https:\/\/valor.globo.com\/financas\/noticia\/2024\/12\/24\/open-finance-bate-37-milhes-de-consentimentos-nicos.ghtml\"><span data-contrast=\"none\">cresceu 35% em 2024<\/span><\/a><span data-contrast=\"auto\">, <\/span><span data-contrast=\"none\">potencializando n\u00e3o apenas a cria\u00e7\u00e3o de novos servi\u00e7os financeiros, como a portabilidade e forma\u00e7\u00e3o de parcerias estrat\u00e9gicas entre os bancos.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Para al\u00e9m disso, o Open Finance representa uma grande oportunidade de acesso a dados financeiros, perfis de consumo e intera\u00e7\u00f5es com clientes, entre outras informa\u00e7\u00f5es que, ao serem inclu\u00eddas \u00e0s estrat\u00e9gias de IA e GenAI, permitem aos bancos personalizar a oferta de produtos e servi\u00e7os, disponibilizando solu\u00e7\u00f5es que atendam com efici\u00eancia as necessidades e interesses do seu p\u00fablico.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">A expectativa \u00e9 que o sistema de Open Finance consiga agregar ainda mais valor as institui\u00e7\u00f5es financeiras, com 41% deles projetando extrair valor dessa inova\u00e7\u00e3o nos pr\u00f3ximos anos.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/p>\n<p><strong>Quer ver o primeiro volume da Pesquisa de Tecnologia Banc\u00e1ria 2025 na \u00edntegra? Confira abaixo:\u00a0<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/cmsarquivos.febraban.org.br\/Arquivos\/documentos\/PDF\/Pesquisa%20Febraban%20de%20Tecnologia%20Banca%CC%81ria%202025%20-%20Vol_01%20-%205.pdf\"><span data-contrast=\"none\">Volume 1<\/span><\/a><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">E continue nos acompanhando para ficar por dentro das principais tend\u00eancias e tecnologias do mercado financeiro!\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A\u202fPesquisa Febraban de Tecnologia Banc\u00e1ria, que agora alcan\u00e7a sua 34\u00aa edi\u00e7\u00e3o, oferece uma an\u00e1lise de larga escala do cen\u00e1rio tecnol\u00f3gico e comportamental do setor banc\u00e1rio no Brasil. Por isso, \u00e9 uma importante refer\u00eancia para esse mercado.\u00a0 O primeiro volume examina os investimentos e tend\u00eancias voltados para tecnologia, enquanto o segundo volume se aprofunda nas transa\u00e7\u00f5es [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":53844,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[998],"tags":[601,117,291,83,8,140,45],"class_list":["post-49193","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tech-e-trends","tag-febraban-tech","tag-inovacao","tag-open-finance","tag-setor-financeiro","tag-tecnologia","tag-tendencias","tag-transformacao-digital"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>As tend\u00eancias da Pesquisa Febraban de Tecnologia Banc\u00e1ria 2025 - Evertec Trends<\/title>\n<meta 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