PSD3: Open Finance regulation and the impact on credit
Follow on Google News In 2016, the European Union took an important regulatory step towards modernizing payment services and sharing banking information between financial institutions with the consent of the consumer. This step was taken by...
Joint Resolution No. 6: cooperation to curb fraud
Follow on Google News In recent years, in the wake of the digitalization of financial services, fraud incidents and attempts have multiplied around the world. Faced with the emergence of fraudulent approaches, private institutions and regulatory bodies have...
How visibility for credit impacts the economy and society
Follow on Google News Difficulties in accessing credit affect social groups in different ways. This article discusses how visibility for credit can impact the democratization of financial services and reduce these differences, promoting economic development...
Free credit and directed credit in Brazil
Follow on Google News A particular feature of the Brazilian market is the strong presence of so-called "directed credit". Often confused with subsidized credit, this category includes, in addition to regulated rates, resources with rates agreed between financial institutions and...
DeFi or Decentralized Finance: risks and opportunities of technological advances
Follow on Google News In the traditional financial system, the movement of financial resources takes place through intermediary institutions, which are responsible for validating transactions and recording inflows and outflows from an account. These institutions perform, among other services, the custody of...
The conscious use of credit cards
Follow on Google News Today, a few decades after the first cards were launched in the second half of the 20th century, they are part of everyday life for millions of consumers around the world - and in all income brackets....