Concurso Banco do Brasil: Open Banking é um dos temas de atualidades; entenda o assunto


Essa é a primeira vez que o Open Banking aparece entre os temas de atualidades que serão cobrados no concurso Banco do Brasil!

Open Banking está entre os temas de atualidades do mercado financeiro que aparecem no conteúdo programático do edital do Concurso Banco do Brasil 2021. E, se você vai prestar esse certame, é importante estudar o assunto. Para lhe ajudar, conversamos com o professor do AlfaCon Luiz Rezende para entender o que é o Open Banking e como o tema tem sido abordado nos concursos. Confira a seguir! 

💡📚 Conheça nosso curso online e GRATUITO: Escriturário do Banco do Brasil

O que é o Open Banking?

Open Banking, também conhecido como sistema financeiro aberto, é um conceito da área de serviços financeiros que está sendo implementado pelo BC (Banco Central do Brasil). Segundo o BC, Open Banking é definido como:

“A possibilidade de clientes de produtos e serviços financeiros permitirem o compartilhamento de suas informações entre diferentes instituições autorizadas pelo Banco Central e a movimentação de suas contas bancárias a partir de diferentes plataformas e não apenas pelo aplicativo ou site do banco, de forma segura, ágil e conveniente.”

De acordo com Rezende, no Open Banking os dados bancários deixam de pertencer aos bancos e pertencem aos clientes. Caso o cliente queira, ele pode disponibilizar os seus dados bancários de score de crédito, empréstimo, financiamento, renda, por exemplo, para o Open Banking e esses dados são disponibilizados para as instituições financeiras que utilizam o sistema, que é controlado pelo Banco Central. Além disso, a permissão aos dados poderá ser cancelada pelo correntista sempre que quiser. 

👉 Leia mais: Atualidades em concursos: como o megavazamento de dados pode ser cobrado?

Quais são os benefícios do Open Banking?

Mais competição no mercado é um dos principais benefícios do Open Banking. Com acesso aos dados dos usuários, as instituições financeiras participantes poderão oferecer seus produtos e serviços para clientes de seus concorrentes. Os clientes podem, por exemplo, obter tarifas mais baixas.  

Outras vantagens são: facilitação de comprovação de score de crédito; cliente ter acesso a todas as suas informações, caso tenha contas em vários bancos ou empréstimos, em um único lugar. 

Como o Open Banking cai nos concursos?

Open Banking é um tema que tem caído em concursos há cerca de 12 meses, afirma Rezende. Para o Banco do Brasil será inédito, mas em concursos de outros bancos, por exemplo, geralmente é cobrado o conceito de Open Banking.

“Open banking tem a ver com dados, com autorização do cliente, com facilitar a demonstração de score de crédito e competitividade do mercado. É dessa forma que cai”, explica o professor.

👉 Leia mais: Concurso Banco do Brasil: tudo o que você precisa saber sobre o edital

Retrospectiva de atualidades do AlfaCon

Quer ficar por dentro de todos os assuntos de atualidades que podem cair nos concursos? O professor Rezende tem um programa semanal ao vivo, toda sexta-feira, no canal do YouTube do AlfaCon.

Nessa aula livre, o professor faz uma retrospectiva de atualidades, destacando os fatos mais relevantes, para você ter argumentos para discutir em uma redação e, também, responder as questões objetivas de concursos. Clique no link abaixo!

📚 Acesse as aulas de atualidades em concursos

Bons estudos e conte com a equipe do AlfaCon!

👉 Leia mais: 5 temas de atualidades que podem cair nos concursos


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