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BRAS\u00cdLIA (Reuters) – O Banco Central divulgou nesta sexta-feira dados do cronograma de implanta\u00e7\u00e3o da fase 4 do open banking, que envolve compartilhar informa\u00e7\u00f5es al\u00e9m dos produtos e servi\u00e7os banc\u00e1rios tradicionais e inclui opera\u00e7\u00f5es de c\u00e2mbio e investimentos.<\/p>\n
Em 15 de dezembro, como j\u00e1 previsto, as institui\u00e7\u00f5es devem dar in\u00edcio ao processo de certifica\u00e7\u00e3o das APIs (interfaces digitais) dos produtos e servi\u00e7os cujas informa\u00e7\u00f5es poder\u00e3o ser compartilhadas.<\/p>\n
O BC definiu agora as datas em que, uma vez obtidas as certifica\u00e7\u00f5es, devem ser feitos os registros dessas APIs no ambiente em que as institui\u00e7\u00f5es formalizam sua participa\u00e7\u00e3o no ecossistema do open banking para compartilhar dados e produtos.<\/p>\n
Esse registro dever\u00e1 ser feito at\u00e9 4 de mar\u00e7o de 2022 para seguros, previd\u00eancia complementar aberta e capitaliza\u00e7\u00e3o; at\u00e9 11 de mar\u00e7o para credenciamento em arranjos de pagamento; at\u00e9 18 de mar\u00e7o por opera\u00e7\u00f5es de c\u00e2mbio e at\u00e9 25 de mar\u00e7o para contas de dep\u00f3sito a prazo e outros produtos com natureza de investimento.<\/p>\n
O BC disse que nessa etapa as institui\u00e7\u00f5es disponibilizar\u00e3o apenas informa\u00e7\u00f5es qualitativas e quantitativas de pre\u00e7os dos seus produtos e servi\u00e7os, para efeito de compara\u00e7\u00e3o.<\/p>\n
O compartilhamento das informa\u00e7\u00f5es financeiras dos clientes no open banking, que acontecer\u00e1 em um momento posterior, s\u00f3 poder\u00e1 ser feito mediante autoriza\u00e7\u00e3o expressa.<\/p>\n
O objetivo do sistema \u00e9 fomentar a competi\u00e7\u00e3o e criar oportunidades para oferta de servi\u00e7os mais baratos e inovadores.<\/p>\n
(Por Isabel Versiani)<\/p>\n
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