[{"@context":"https:\/\/schema.org\/","@type":"NewsArticle","@id":"https:\/\/jornalcontabil-br.noticiasgoianas.com\/noticia\/da-previsao-de-caixa-ao-pix-automatico-a-revolucao-do-open-finance-no-brasil\/amp\/#newsarticle","url":"https:\/\/jornalcontabil-br.noticiasgoianas.com\/noticia\/da-previsao-de-caixa-ao-pix-automatico-a-revolucao-do-open-finance-no-brasil\/amp\/","headline":"Da previs\u00e3o de caixa ao Pix Autom\u00e1tico: a revolu\u00e7\u00e3o do Open Finance no Brasil","mainEntityOfPage":"https:\/\/jornalcontabil-br.noticiasgoianas.com\/noticia\/da-previsao-de-caixa-ao-pix-automatico-a-revolucao-do-open-finance-no-brasil\/","datePublished":"2025-05-27T15:08:56-03:00","dateModified":"2025-05-27T15:08:58-03:00","description":"Open Finance completa 4 anos no Brasil e transforma a gest\u00e3o financeira das empresas com dados em tempo real, automa\u00e7\u00e3o, Pix Autom\u00e1tico e novas solu\u00e7\u00f5es.","articleSection":"Economia","articleBody":"Neste m\u00eas, o Open Finance completa quatro anos de opera\u00e7\u00e3o no Brasil \u2014 um ciclo que come\u00e7ou como uma promessa de transforma\u00e7\u00e3o e hoje \u00e9 uma realidade consolidada. Mais de 60 milh\u00f5es de brasileiros j\u00e1 autorizaram o compartilhamento de seus dados financeiros, e o pa\u00eds tornou-se um dos protagonistas globais dessa evolu\u00e7\u00e3o. No entanto, para al\u00e9m dos dados estat\u00edsticos e dos avan\u00e7os regulat\u00f3rios, o que realmente importa \u00e9 como esse movimento est\u00e1 remodelando, na pr\u00e1tica, a maneira como as empresas lidam com suas finan\u00e7as. O que come\u00e7ou como um projeto de abertura banc\u00e1ria vem se revelando na pr\u00e1tica como uma nova forma de pensar a gest\u00e3o financeira. A principal mudan\u00e7a n\u00e3o est\u00e1 nas tecnologias em si, mas na l\u00f3gica com que as empresas aram a estruturar seus fluxos e decis\u00f5es. Ao conectar dados em tempo real, automatizar processos e eliminar barreiras entre institui\u00e7\u00f5es, o Open Finance est\u00e1 transformando tesourarias antes anal\u00f3gicas em \u00e1reas estrat\u00e9gicas, capazes de atuar com mais precis\u00e3o, agilidade e intelig\u00eancia. Essa transforma\u00e7\u00e3o \u00e9 vis\u00edvel em v\u00e1rias frentes. Um dos exemplos mais evidentes \u00e9 a forma como as empresas aram a projetar e acompanhar seu caixa. Antes, era comum que grandes companhias operassem com relat\u00f3rios defasados, atualizados manualmente e sujeitos a erro. Agora, com ferramentas que centralizam extratos banc\u00e1rios e exp\u00f5em informa\u00e7\u00f5es por meio de APIs, como o BankManager, essa rotina ganhou mais velocidade e confiabilidade. Outro ponto importante \u00e9 o avan\u00e7o da cobran\u00e7a recorrente. Modelos de neg\u00f3cio baseados em mensalidade \u2014 como escolas, academias e servi\u00e7os por \u2014 sempre enfrentaram desafios relacionados \u00e0 inadimpl\u00eancia e \u00e0 depend\u00eancia de boletos banc\u00e1rios. Com a chegada do Pix Autom\u00e1tico, prevista para meados de junho, esse panorama come\u00e7a a mudar de forma estrutural. A possibilidade de realizar d\u00e9bitos previamente autorizados elimina a fric\u00e7\u00e3o do processo de pagamento e promete reduzir significativamente os \u00edndices de atraso. Participe do Portal Nacional da Reforma Tribut\u00e1ria: e em https:\/\/forum.fiscaltalks.com\u00a0 Mas os benef\u00edcios n\u00e3o se restringem \u00e0 rela\u00e7\u00e3o com o cliente final. O Open Finance tamb\u00e9m est\u00e1 mudando a maneira como as empresas interagem com suas redes de fornecedores e institui\u00e7\u00f5es financeiras. No contexto do supply chain, por exemplo, solu\u00e7\u00f5es como o Fornecedor v\u00eam permitindo que a antecipa\u00e7\u00e3o de receb\u00edveis, antes um processo burocr\u00e1tico e pouco transparente, se torne mais \u00e1gil e previs\u00edvel. Com dados conectados e comunica\u00e7\u00e3o estruturada entre as partes, o financiamento da cadeia de suprimentos ganha tra\u00e7\u00e3o e contribui para a sa\u00fade financeira de toda a opera\u00e7\u00e3o. Por fim, o setor tamb\u00e9m se prepara para mais um avan\u00e7o relevante: a Jornada Sem Redirecionamento. A nova funcionalidade, esperada ainda para este ano, permitir\u00e1 que pagamentos sejam autorizados diretamente dentro do ambiente digital das empresas, sem que o cliente precise sair do site ou app em que est\u00e1. Essa mudan\u00e7a deve impulsionar especialmente os neg\u00f3cios com alto volume de transa\u00e7\u00f5es, como e-commerces e marketplaces, j\u00e1 que reduz etapas, melhora a convers\u00e3o e proporciona uma experi\u00eancia mais fluida ao usu\u00e1rio. Olhando para tr\u00e1s, os \u00faltimos quatro anos deixaram claro que o Open Finance n\u00e3o \u00e9 sobre um conjunto de APIs, mas sim uma transforma\u00e7\u00e3o de mentalidade \u2014 de sair de um modelo reativo para um modelo proativo, baseado em dados e integra\u00e7\u00e3o. Empresas que entenderam isso sa\u00edram na frente e conseguiram automatizar rotinas cr\u00edticas, reduzir riscos e se tornar mais eficientes. \u00c0 medida que novas funcionalidades entram em cena \u2014 como o agendamento recorrente, a portabilidade de cr\u00e9dito e as autoriza\u00e7\u00f5es em tempo real \u2014, a capacidade de adapta\u00e7\u00e3o torna-se ainda mais crucial. O desafio das organiza\u00e7\u00f5es, portanto, n\u00e3o \u00e9 meramente t\u00e9cnico. \u00c9 estrat\u00e9gico. Envolve repensar processos, treinar equipes e, sobretudo, tomar decis\u00f5es orientadas por dados. 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Neste mês, o Open Finance completa quatro anos de operação no Brasil — um ciclo que começou como uma promessa de transformação e hoje é uma realidade consolidada. Mais de 60 milhões de brasileiros já autorizaram o compartilhamento de seus dados financeiros, e o país tornou-se um dos protagonistas globais dessa evolução. No entanto, para além dos dados estatísticos e dos avanços regulatórios, o que realmente importa é como esse movimento está remodelando, na prática, a maneira como as empresas lidam com suas finanças.
O que começou como um projeto de abertura bancária vem se revelando na prática como uma nova forma de pensar a gestão financeira. A principal mudança não está nas tecnologias em si, mas na lógica com que as empresas aram a estruturar seus fluxos e decisões. Ao conectar dados em tempo real, automatizar processos e eliminar barreiras entre instituições, o Open Finance está transformando tesourarias antes analógicas em áreas estratégicas, capazes de atuar com mais precisão, agilidade e inteligência.
Essa transformação é visível em várias frentes. Um dos exemplos mais evidentes é a forma como as empresas aram a projetar e acompanhar seu caixa. Antes, era comum que grandes companhias operassem com relatórios defasados, atualizados manualmente e sujeitos a erro. Agora, com ferramentas que centralizam extratos bancários e expõem informações por meio de APIs, como o BankManager, essa rotina ganhou mais velocidade e confiabilidade.
Outro ponto importante é o avanço da cobrança recorrente. Modelos de negócio baseados em mensalidade — como escolas, academias e serviços por — sempre enfrentaram desafios relacionados à inadimplência e à dependência de boletos bancários. Com a chegada do Pix Automático, prevista para meados de junho, esse panorama começa a mudar de forma estrutural. A possibilidade de realizar débitos previamente autorizados elimina a fricção do processo de pagamento e promete reduzir significativamente os índices de atraso.
Participe do Portal Nacional da Reforma Tributária: e em https://forum.fiscaltalks.com
Mas os benefícios não se restringem à relação com o cliente final. O Open Finance também está mudando a maneira como as empresas interagem com suas redes de fornecedores e instituições financeiras. No contexto do supply chain, por exemplo, soluções como o Fornecedor vêm permitindo que a antecipação de recebíveis, antes um processo burocrático e pouco transparente, se torne mais ágil e previsível. Com dados conectados e comunicação estruturada entre as partes, o financiamento da cadeia de suprimentos ganha tração e contribui para a saúde financeira de toda a operação.
Por fim, o setor também se prepara para mais um avanço relevante: a Jornada Sem Redirecionamento. A nova funcionalidade, esperada ainda para este ano, permitirá que pagamentos sejam autorizados diretamente dentro do ambiente digital das empresas, sem que o cliente precise sair do site ou app em que está. Essa mudança deve impulsionar especialmente os negócios com alto volume de transações, como e-commerces e marketplaces, já que reduz etapas, melhora a conversão e proporciona uma experiência mais fluida ao usuário.
Olhando para trás, os últimos quatro anos deixaram claro que o Open Finance não é sobre um conjunto de APIs, mas sim uma transformação de mentalidade — de sair de um modelo reativo para um modelo proativo, baseado em dados e integração. Empresas que entenderam isso saíram na frente e conseguiram automatizar rotinas críticas, reduzir riscos e se tornar mais eficientes.
À medida que novas funcionalidades entram em cena — como o agendamento recorrente, a portabilidade de crédito e as autorizações em tempo real —, a capacidade de adaptação torna-se ainda mais crucial. O desafio das organizações, portanto, não é meramente técnico. É estratégico. Envolve repensar processos, treinar equipes e, sobretudo, tomar decisões orientadas por dados. O futuro das finanças corporativas já começou e está mais conectado, transparente e dinâmico do que nunca.
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