Regarding the Sandbox, can you describe how this process was in Brazil?
Posted: Thu Feb 20, 2025 6:41 am
Regarding the book, I also give many lectures based on it and the work came about when I received an invitation from Alta Books at the end of 2016. The book was supposed to come out earlier. At the time, there was me and another guest who would be the co-author, but in the end, I was the only one left. When thinking about how to articulate everything, I tried to look, in a broad way, at some questions that were not so easy or so clear to answer when we tried to search for information about the fintech environment . I tried to address several pieces of information that are hidden and bring this closer to people.
I also tried to answer questions about what this fintech movement really is in Brazil and abroad. I also tried to present something more direct and that didn't give the impression of reading something heavy and too technical, so I tried to bring this lightness, although at times, of course, it's impossible not to be a little technical.
If you were to list three of the main issues that new startups/fintechs namibia mobile database will focus on in the coming years, what would they be?
There is still a lot to be done in terms of financial inclusion, which I believe is a problem that will increasingly be addressed and continues to be a major problem in Brazil and even more so when you look at the rest of Latin America, especially in Mexico. We have all the conditions to tackle this problem, in terms of tools, infrastructure and technology, as well as the regulatory environment. We have the issue of PIX, which makes it possible to offer the basics of banking outside the bank with quality. A wallet can meet a citizen's financial needs as well as a bank or even better.
We also have Open Banking , which will help level the playing field, and we also have the Regulatory Sandbox , which is absolutely important in terms of unlocking new business models in a very proactive format for implementing new businesses. Brazil was very fortunate to prioritize these issues and put them into practice during a pandemic year. All of this will provide enough tools to accelerate the population's access to banking services, and this will not happen just through banks or fintechs , but through companies from different segments that will be able to combine the capacity of this offering.
I followed this process closely. This interest in implementing the Sandbox came from the CVM after looking at the experiences of other countries, in addition to the United Kingdom, which was the first to implement it. We did all the monitoring, a lot of benchmarking work , and held the public consultation until the CVM actually materialized it.
I also tried to answer questions about what this fintech movement really is in Brazil and abroad. I also tried to present something more direct and that didn't give the impression of reading something heavy and too technical, so I tried to bring this lightness, although at times, of course, it's impossible not to be a little technical.
If you were to list three of the main issues that new startups/fintechs namibia mobile database will focus on in the coming years, what would they be?
There is still a lot to be done in terms of financial inclusion, which I believe is a problem that will increasingly be addressed and continues to be a major problem in Brazil and even more so when you look at the rest of Latin America, especially in Mexico. We have all the conditions to tackle this problem, in terms of tools, infrastructure and technology, as well as the regulatory environment. We have the issue of PIX, which makes it possible to offer the basics of banking outside the bank with quality. A wallet can meet a citizen's financial needs as well as a bank or even better.
We also have Open Banking , which will help level the playing field, and we also have the Regulatory Sandbox , which is absolutely important in terms of unlocking new business models in a very proactive format for implementing new businesses. Brazil was very fortunate to prioritize these issues and put them into practice during a pandemic year. All of this will provide enough tools to accelerate the population's access to banking services, and this will not happen just through banks or fintechs , but through companies from different segments that will be able to combine the capacity of this offering.
I followed this process closely. This interest in implementing the Sandbox came from the CVM after looking at the experiences of other countries, in addition to the United Kingdom, which was the first to implement it. We did all the monitoring, a lot of benchmarking work , and held the public consultation until the CVM actually materialized it.