Pix ve A\u00e7\u0131k Finans, Brezilyal\u0131lar\u0131n h\u0131zl\u0131 bir \u015fekilde para kazanmas\u0131na ve finansal sistemin \u00e7e\u015fitlenmesine yol a\u00e7arak d\u00fcnyadaki en b\u00fcy\u00fck do\u011frudan \u00f6deme ba\u015far\u0131 \u00f6yk\u00fclerinden biri haline geldi. Yerli ve yabanc\u0131 akt\u00f6rlerin ilgisini \u00e7eken bu yenilik\u00e7i alan, yeni bir g\u00fcvenlik ve y\u00f6netim d\u00fczeyine ula\u015fmal\u0131d\u0131r. D\u00fczenlenmi\u015f sekt\u00f6rlerin hayati \u00f6nem ta\u015f\u0131d\u0131\u011f\u0131 y\u00f6neti\u015fim.<\/p>\n\n\n\n
Pix'in ba\u015far\u0131s\u0131 inkar edilemez: Merkez Bankas\u0131, Haziran ay\u0131nda 6,9 milyar i\u015flemde 2,87 trilyon R$'nin i\u015flendi\u011fini g\u00f6steriyor. 2024'te 63,8 milyar i\u015flem ger\u00e7ekle\u015fti, bu da kredi kartlar\u0131, banka ve \u00f6n \u00f6demeli transferler, biletler ve \u00e7eklerden 13 milyar daha fazlayd\u0131. Febraban'a g\u00f6re bu y\u0131l Pix otomatik ve Pix parselli gibi ara\u00e7larla artmas\u0131 gereken marj.<\/p>\n\n\n\n
Bu hacim, geleneksel bankalarda yersiz bir birli\u011fi emen yeni \u00f6deme kurumlar\u0131 olmadan m\u00fcmk\u00fcn olmazd\u0131.B\u00f6ylece bir\u00e7ok \u015firket, bu kadar \u00e7ok insan\u0131n \u00f6n\u00fcndeki engelleri kald\u0131ran ve operasyonlar\u0131n\u0131 \u00e7o\u011faltan \u00e7\u00f6z\u00fcmlerle yenilikler yaparak Brezilya'y\u0131 ka\u00e7\u0131n\u0131lmaz bir pazar haline getirdi. \u00d6te yandan bankac\u0131l\u0131k sisteminde zimmete para ge\u00e7irme, doland\u0131r\u0131c\u0131l\u0131k, kara para aklama ve para ka\u00e7ak\u00e7\u0131l\u0131\u011f\u0131 gibi su\u00e7lara izin veren bo\u015fluklar vard\u0131.<\/p>\n\n\n\n
Organize su\u00e7 eylemi, \u00f6zellikle uyu\u015fturucu ka\u00e7ak\u00e7\u0131l\u0131\u011f\u0131, Basel Y\u00f6neti\u015fim Enstit\u00fcs\u00fc'n\u00fcn Brezilya'y\u0131 2024'te kara para aklama kar\u015f\u0131t\u0131 endeksinin 164'\u00fcn 75'inci pozisyonuna yerle\u015ftirmesine yol a\u00e7an endi\u015felerden biridir. PCC (Ba\u015fkentin Birinci Komutanl\u0131\u011f\u0131) i\u00e7in para aklamak i\u00e7in olu\u015fturulan fintech'lerin yak\u0131n zamanda ke\u015ffedilmesi bu ge\u00e7irgenli\u011fin kan\u0131t\u0131d\u0131r.<\/p>\n\n\n\n
G\u00fcvenli\u011fin ihlali su\u00e7a a\u00e7\u0131lan bir ba\u015fka kap\u0131d\u0131r. 800 milyon R$'nin Pix d\u00fczenlemesinden sapt\u0131r\u0131lmas\u0131na yol a\u00e7an sald\u0131r\u0131 ve bunun 'geni\u015f eri\u015fimli IS'li k\u0131demsiz bir \u00e7al\u0131\u015fan arac\u0131l\u0131\u011f\u0131yla' meydana geldi\u011fi ko\u015fullar, A\u00e7\u0131k Finans'a daha fazla kalkan olmas\u0131n\u0131 zorunlu k\u0131lmaktad\u0131r. Bunun i\u00e7in bu zorluklara al\u0131\u015fk\u0131n \u015firketlerin deneyimine sahip olmal\u0131y\u0131z.<\/p>\n\n\n\n
BT'nin di\u011fer alanlar\u0131nda oldu\u011fu gibi, finansal sistemin en sa\u011flam g\u00fcvenlik \u00e7\u00f6z\u00fcmleri d\u00fczenlenmi\u015f sekt\u00f6rlerde do\u011far Bunlardan biri, vergi ka\u00e7ak\u00e7\u0131l\u0131\u011f\u0131, kara para aklama ve para ka\u00e7ak\u00e7\u0131l\u0131\u011f\u0131 gibi su\u00e7lara ve 18 ya\u015f\u0131n alt\u0131ndaki \u00e7ocuklar i\u00e7in k\u0131s\u0131tlama, ba\u011f\u0131ml\u0131l\u0131k ve yetkisiz akt\u00f6rler gibi y\u00fck\u00fcml\u00fcl\u00fcklere tabi olan spor bahisleridir.<\/p>\n\n\n\n
2024'te Brezilya'da \u00e7evrimi\u00e7i bahis oynayan her 5 ki\u015fiden 4'\u00fc Pix arac\u0131l\u0131\u011f\u0131yla \u00f6deme yapt\u0131, Febraban i\u00e7in yap\u0131lan bir Ipespe anketi g\u00f6steriyor. \u0130\u015flem hacimlerinde do\u011frudan \u00f6demelerin bu b\u00fcy\u00fck \u00e7o\u011funlu\u011fu ve vergi ve k\u0131s\u0131tlamalar\u0131 dahil etmeleri gerekti\u011fi i\u00e7in, sekt\u00f6rde faaliyet g\u00f6steren \u00f6deme kurumlar\u0131n\u0131n g\u00fcvenli\u011fin \u00f6n saflar\u0131nda yer almas\u0131 do\u011fald\u0131r.<\/p>\n\n\n\n
Bir\u00e7o\u011fu ayn\u0131 zamanda Avrupa Birli\u011fi Dijital Operasyonel Dayan\u0131kl\u0131l\u0131k Yasas\u0131 (DORA) gibi daha kat\u0131 d\u00fczenlemelere g\u00f6re geli\u015fmi\u015f y\u00f6neti\u015fim ve uyumluluk \u00e7\u00f6z\u00fcmleri de yarat\u0131yor. Bu, Pix ve A\u00e7\u0131k Finans'a su\u00e7lar\u0131 \u00f6nlemek i\u00e7in yeni mekanizmalar vermenin, Brezilya'daki iyile\u015ftirmeleri \u00f6ng\u00f6rmenin ve se\u00e7enekler sunman\u0131n daha fazla yoludur.<\/p>\n\n\n\n
Pix, finansal kat\u0131l\u0131m\u0131n \u00f6n\u00fcndeki engelleri kald\u0131rma ve d\u00fcnya \u00e7ap\u0131nda \u00f6demelere e\u015fitlik getirme vaadinde en b\u00fcy\u00fck ba\u015far\u0131 \u00f6yk\u00fcs\u00fcd\u00fcr. Merkez Bankas\u0131'n\u0131n yerli ve yabanc\u0131 kurumlarla ittifak\u0131, k\u00f6t\u00fcye kullan\u0131ma kar\u015f\u0131 g\u00fc\u00e7l\u00fc, verimli ve korumal\u0131 bir ortam yaratacakt\u0131r. Mevcut t\u00fcm ara\u00e7lara sahip olmak yaln\u0131zca bu hedefe ula\u015fmam\u0131za yard\u0131mc\u0131 olacakt\u0131r.<\/p>\n\n\n\n
zimpler CEO'su Johan Strand taraf\u0131ndan<\/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\/tr\/wp-json\/wp\/v2\/posts\/87307","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ecommerceupdate.com.br\/tr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ecommerceupdate.com.br\/tr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/tr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/tr\/wp-json\/wp\/v2\/comments?post=87307"}],"version-history":[{"count":0,"href":"https:\/\/www.ecommerceupdate.com.br\/tr\/wp-json\/wp\/v2\/posts\/87307\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/tr\/wp-json\/wp\/v2\/media\/85234"}],"wp:attachment":[{"href":"https:\/\/www.ecommerceupdate.com.br\/tr\/wp-json\/wp\/v2\/media?parent=87307"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/tr\/wp-json\/wp\/v2\/categories?post=87307"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/tr\/wp-json\/wp\/v2\/tags?post=87307"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}