{"id":55141,"date":"2025-01-29T07:00:00","date_gmt":"2025-01-29T10:00:00","guid":{"rendered":"https:\/\/evertectrends.com\/?p=55141"},"modified":"2025-08-19T11:47:28","modified_gmt":"2025-08-19T14:47:28","slug":"lei-de-fintech-principais-desafios-para-2025","status":"publish","type":"post","link":"https:\/\/evertectrends.com\/pt-br\/lei-de-fintech-principais-desafios-para-2025\/","title":{"rendered":"Lei de Fintech: principais desafios para 2025"},"content":{"rendered":"\n<p><span data-contrast=\"auto\">O Chile \u00e9 um dos poucos pa\u00edses da Am\u00e9rica Latina que, devido \u00e0 maturidade de seu mercado, tem uma Lei de Fintech para regular a atividade dos provedores de servi\u00e7os financeiros e tecnol\u00f3gicos. Essa legisla\u00e7\u00e3o foi necess\u00e1ria para estabelecer as bases para uma maior inova\u00e7\u00e3o e concorr\u00eancia no setor financeiro, oferecendo uma estrutura regulat\u00f3ria para o desenvolvimento de servi\u00e7os financeiros baseados em tecnologia e inova\u00e7\u00e3o.\u00a0 Embora as fintechs operassem com graus variados de qualidade, havia tamb\u00e9m a necessidade de maior supervis\u00e3o e confian\u00e7a no sistema.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Desde sua promulga\u00e7\u00e3o em janeiro de 2023, o progresso na regulamenta\u00e7\u00e3o e nos padr\u00f5es tem sido significativo, cumprindo a premissa de n\u00e3o obstruir o crescimento de um setor que precisa continuar a se desenvolver. Isso facilitou a promo\u00e7\u00e3o de um ambiente potencialmente mais sim\u00e9trico entre as fintechs e o setor financeiro tradicional, al\u00e9m de favorecer a cria\u00e7\u00e3o de produtos e servi\u00e7os para mais consumidores e PMEs chilenos.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">No entanto, os frutos dessa regulamenta\u00e7\u00e3o ainda n\u00e3o s\u00e3o claramente vis\u00edveis. A intera\u00e7\u00e3o com os agentes estabelecidos melhorou at\u00e9 agora, mas precisamos avan\u00e7ar mais rapidamente em quest\u00f5es importantes para obter resultados. O credenciamento de processadores de dados e originadores de transa\u00e7\u00f5es de pagamento est\u00e1 pendente, e precisamos finalizar os mandatos de consentimento.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Em 2025, \u00e9 fundamental avan\u00e7ar rapidamente na defini\u00e7\u00e3o das principais entidades, como originadores de pagamentos e entidades de <\/span><a href=\"https:\/\/evertectrends.com\/processamento-de-pagamentos-e-a-experiencia-do-consumidor\/\"><span data-contrast=\"none\">processamento<\/span><\/a><span data-contrast=\"auto\"> e fornecimento de dados, todas essenciais para o avan\u00e7o. \u00c9 nesse ponto que a defini\u00e7\u00e3o \u00e9 mais urgentemente necess\u00e1ria em compara\u00e7\u00e3o com outros aspectos da legisla\u00e7\u00e3o.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Enquanto isso, no lado das fintechs, \u00e9 importante que elas trabalhem para cumprir adequadamente todos os requisitos da lei a fim de poderem se expandir conforme o esperado. O que \u00e9 not\u00e1vel nesse cen\u00e1rio \u00e9 que h\u00e1 algumas que est\u00e3o \u00e0 frente da maioria.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Hoje, o Chile \u00e9 o pa\u00eds com o maior n\u00famero de fintechs por 10.000 habitantes na Am\u00e9rica Latina, o que representa um grande alcance. O desafio \u00e9 criar as condi\u00e7\u00f5es para que uma porcentagem relevante se desenvolva em um mercado adequado, ganhe escala e atinja mais mercados na regi\u00e3o.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A Lei de Fintech, sem d\u00favida, lan\u00e7ou as bases para um sistema financeiro mais din\u00e2mico e inclusivo, mas seu sucesso depender\u00e1 da implementa\u00e7\u00e3o efetiva das regulamenta\u00e7\u00f5es, do fortalecimento da <\/span><a href=\"https:\/\/evertectrends.com\/ciberseguranca-no-setor-bancario\/\"><span data-contrast=\"none\">seguran\u00e7a cibern\u00e9tica<\/span><\/a><span data-contrast=\"auto\">, da garantia de inclus\u00e3o financeira real e da prote\u00e7\u00e3o dos consumidores. Portanto, no pr\u00f3ximo ano, \u00e9 priorit\u00e1rio fazer um esfor\u00e7o coordenado entre os reguladores, o setor e a sociedade civil para progredir rapidamente na consolida\u00e7\u00e3o de um ecossistema financeiro robusto e equitativo.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":34,"featured_media":55163,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[997],"tags":[1140,1253,2420,1254,1255,373,161,538],"class_list":["post-55141","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulamentacao","tag-america-latina","tag-chile","tag-evertec-pt-br","tag-evertec-inc","tag-lei-de-fintech","tag-pagamentos","tag-regulamentacao","tag-sinqia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ 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