Stability of the financial system: isolated case or systemic risk?
Follow on Google News One of the functions of the financial system is to mediate between savers and borrowers. The functioning of this system depends on mutual trust. When depositing money with a financial institution, savers need to believe...
Know Your Customer" policies and credit bureaus
Follow on Google News A series of transformations in recent years has made financial transactions easier. The consequent increase in the volume of transactions and inclusion in the financial system has opened up a huge business opportunity. At the same time, it has increased the need for...
Do you know the 12 principles of financial consumer protection?
Follow on Google News Economic relations between consumers and suppliers of goods and services imply rights and duties for the parties involved. In Brazil, the Consumer Defense Code (CDC) establishes a set of rules for the protection of...
Digital banks: strategies for survival
Follow on Google News It didn't take long for the popularization of smartphones to profoundly transform our routines. This transformation has had a major impact on our financial lives, leaving behind the days when it was necessary to go to an ATM...
"Banking as a Service and the proliferation of financial services
Follow on Google News On April 12, I had the privilege of moderating a panel on “Banking as a Service (BaaS) and Artificial Intelligence” at the third edition of the Digital Money Meeting. In this article, I summarize the insights gleaned from the discussion and...
Credit to companies in times of monetary tightening
Follow on Google News Last week, the Fed (US Central Bank) decided to raise the basic interest rate. On the same day, the COPOM (Monetary Policy Committee) decided to keep the basic interest rate at...