Pix a Open Finance vedly k rychl\u00e9mu bankrollu Brazilc\u016f a diverzifikaci finan\u010dn\u00edho syst\u00e9mu, co\u017e je jeden z nejv\u011bt\u0161\u00edch \u00fasp\u011b\u0161n\u00fdch p\u0159\u00edb\u011bh\u016f p\u0159\u00edm\u00fdch plateb na sv\u011bt\u011b. Tento inovativn\u00ed obor, kter\u00fd p\u0159il\u00e1kal m\u00edstn\u00ed i zahrani\u010dn\u00ed akt\u00e9ry, by m\u011bl dos\u00e1hnout nov\u00e9 \u00farovn\u011b bezpe\u010dnosti a \u0159\u00edzen\u00ed, pro kter\u00e9 jsou regulovan\u00e9 sektory kl\u00ed\u010dov\u00e9.<\/p>\n\n\n\n
\u00dasp\u011bch Pix je nepopirateln\u00fd: v \u010dervnu bylo v 6,9 miliard\u00e1ch transakc\u00ed zpracov\u00e1no 2,87 bilionu R1TP: Centr\u00e1ln\u00ed banka ukazuje, \u017ee v roce 2024 bylo 63,8 miliardy operac\u00ed, o 13 miliard v\u00edce ne\u017e u kreditn\u00edch karet, debetn\u00edch a p\u0159edplacen\u00fdch, p\u0159evod\u016f, vstupenek a \u0161eky dohromady, podle Febrabanu mar\u017ee, kter\u00e1 by se letos m\u011bla zv\u00fd\u0161it pomoc\u00ed n\u00e1stroj\u016f, jako je automat Pix a Pix parceled.<\/p>\n\n\n\n
Tento objem by nebyl mo\u017en\u00fd bez nov\u00fdch platebn\u00edch instituc\u00ed, kter\u00e9 v tradi\u010dn\u00edch bank\u00e1ch pohltily kontingent bez prostoru, N\u011bkolik firem tak inovovalo \u0159e\u0161en\u00edmi, kter\u00e1 odstranila bari\u00e9ry pro tolik lid\u00ed a zn\u00e1sobila jejich operace, \u010d\u00edm\u017e se Braz\u00edlie stala nevyhnuteln\u00fdm trhem Na druhou stranu m\u011bl bankovn\u00ed syst\u00e9m mezery, kter\u00e9 umo\u017e\u0148ovaly trestn\u00e9 \u010diny jako zpronev\u011bru, podvody, pran\u00ed \u0161pinav\u00fdch pen\u011bz a m\u011bnov\u00e9 \u00faniky.<\/p>\n\n\n\n
Akce organizovan\u00e9ho zlo\u010dinu, zejm\u00e9na obchodu s drogami, je jedn\u00edm z obav, kter\u00e9 vedly Basilejsk\u00fd institut vl\u00e1dnut\u00ed k tomu, aby se Braz\u00edlie v roce 2024 um\u00edstila na 75. pozici 164 sv\u00e9ho indexu proti pran\u00ed \u0161pinav\u00fdch pen\u011bz. Ned\u00e1vn\u00fd objev fintech vytvo\u0159en\u00fdch k pran\u00ed \u0161pinav\u00fdch pen\u011bz pro PCC (prvn\u00ed velitelstv\u00ed hlavn\u00edho m\u011bsta) je d\u016fkazem t\u00e9to prostupnosti.<\/p>\n\n\n\n
Naru\u0161en\u00ed bezpe\u010dnosti je dal\u0161\u00ed otev\u0159en\u00e9 dve\u0159e ke zlo\u010dinu \u00datok, kter\u00fd vedl k odklonu 800 milion\u016f R1TP4 T z uspo\u0159\u00e1d\u00e1n\u00ed Pix a okolnosti, za kter\u00fdch k n\u011bmu do\u0161lo 'prost\u0159ednictv\u00edm mlad\u0161\u00edho zam\u011bstnance, s \u0161irok\u00fdm p\u0159\u00edstupem IS, \u010din\u00ed nezbytnost\u00ed d\u00e1le chr\u00e1nit Open Finance, K tomu bychom m\u011bli m\u00edt zku\u0161enosti spole\u010dnost\u00ed, kter\u00e9 jsou na tyto v\u00fdzvy zvykl\u00e9.<\/p>\n\n\n\n
Stejn\u011b jako v jin\u00fdch oblastech IT se nejrobustn\u011bj\u0161\u00ed bezpe\u010dnostn\u00ed \u0159e\u0161en\u00ed finan\u010dn\u00edho syst\u00e9mu rod\u00ed v regulovan\u00fdch odv\u011btv\u00edch Jedn\u00edm z nich je sportovn\u00ed s\u00e1zen\u00ed, podl\u00e9haj\u00edc\u00ed trestn\u00fdm \u010din\u016fm jako jsou da\u0148ov\u00e9 \u00faniky, pran\u00ed \u0161pinav\u00fdch pen\u011bz a m\u011bnov\u00e9 \u00faniky a povinnostem jako omezen\u00ed pro d\u011bti do 18 let, z\u00e1vislost a neopr\u00e1vn\u011bn\u00ed akt\u00e9\u0159i.<\/p>\n\n\n\n
Z ka\u017ed\u00fdch 5 lid\u00ed, kte\u0159\u00ed v roce 2024 uzav\u0159eli online s\u00e1zky v Braz\u00edlii, 4 zaplatili p\u0159es Pix, ukazuje pr\u016fzkum Ipespe pro Febraban. Vzhledem k tomu, \u017ee tato naprost\u00e1 v\u011bt\u0161ina p\u0159\u00edm\u00fdch plateb je v objemu transakc\u00ed a je vy\u017eadov\u00e1na za\u010dlen\u011bn\u00ed dan\u00ed a omezen\u00ed, je p\u0159irozen\u00e9, \u017ee platebn\u00ed instituce p\u016fsob\u00edc\u00ed v tomto sektoru jsou v pop\u0159ed\u00ed bezpe\u010dnosti.<\/p>\n\n\n\n
Mnoh\u00e9 z nich tak\u00e9 vytv\u00e1\u0159ej\u00ed pokro\u010dil\u00e9 \u0159e\u0161en\u00ed spr\u00e1vy a dodr\u017eov\u00e1n\u00ed p\u0159edpis\u016f podle p\u0159\u00edsn\u011bj\u0161\u00edch p\u0159edpis\u016f, jako je z\u00e1kon Evropsk\u00e9 unie o digit\u00e1ln\u00ed provozn\u00ed odolnosti (DORA).Je to v\u00edce zp\u016fsob, jak d\u00e1t Pix a Open Finance nov\u00e9 mechanismy pro p\u0159edch\u00e1zen\u00ed zlo\u010din\u016fm, p\u0159edv\u00edd\u00e1n\u00ed a nab\u00edzen\u00ed mo\u017enost\u00ed pro zlep\u0161en\u00ed v Braz\u00edlii.<\/p>\n\n\n\n
Pix je nejv\u011bt\u0161\u00edm \u00fasp\u011bchem ve slibu, \u017ee odstran\u00ed p\u0159ek\u00e1\u017eky finan\u010dn\u00edho za\u010dlen\u011bn\u00ed a p\u0159inese rovnost plateb po cel\u00e9m sv\u011bt\u011b Aliance centr\u00e1ln\u00ed banky s m\u00edstn\u00edmi a zahrani\u010dn\u00edmi institucemi vytvo\u0159\u00ed siln\u00e9, efektivn\u00ed a chr\u00e1n\u011bn\u00e9 prost\u0159ed\u00ed proti zneu\u017eit\u00ed, M\u00edt v\u0161echny dostupn\u00e9 n\u00e1stroje n\u00e1m jen pom\u016f\u017ee tohoto c\u00edle dos\u00e1hnout.<\/p>\n\n\n\n
johanem Strandem, gener\u00e1ln\u00edm \u0159editelem spole\u010dnosti Zimpler<\/em><\/p>","protected":false},"excerpt":{"rendered":" O Pix e o Open Finance levaram \u00e0 r\u00e1pida bancariza\u00e7\u00e3o dos brasileiros e \u00e0 diversifica\u00e7\u00e3o do sistema financeiro, sendo um dos maiores casos de sucesso de pagamentos diretos do mundo. Este campo inovador que atraiu atores locais e estrangeiros deve chegar a um novo patamar de seguran\u00e7a e governan\u00e7a, para o qual os setores regulados […]<\/p>\n","protected":false},"author":1,"featured_media":85234,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35,36],"tags":[47,68,43],"class_list":{"0":"post-87307","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-artigos","8":"category-dicas-artigos","9":"tag-artigos","10":"tag-dicas","11":"tag-e-commerce"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.ecommerceupdate.com.br\/cs\/wp-json\/wp\/v2\/posts\/87307","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ecommerceupdate.com.br\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ecommerceupdate.com.br\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/cs\/wp-json\/wp\/v2\/comments?post=87307"}],"version-history":[{"count":0,"href":"https:\/\/www.ecommerceupdate.com.br\/cs\/wp-json\/wp\/v2\/posts\/87307\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/cs\/wp-json\/wp\/v2\/media\/85234"}],"wp:attachment":[{"href":"https:\/\/www.ecommerceupdate.com.br\/cs\/wp-json\/wp\/v2\/media?parent=87307"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/cs\/wp-json\/wp\/v2\/categories?post=87307"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/cs\/wp-json\/wp\/v2\/tags?post=87307"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}