Released this Monday, day 4, the Pix by Proximity will make life easier for consumers in two ways: directly, in everyday payments; and indirectly, by encouraging the consumer to adopt Open Finance. This is what the partner in the Payment Methods area of Barcellos Tucunduva Advogados (BTLAW) explains, Thiago Amaral
For the specialist, the consumer will notice two benefits immediately in their everyday purchases. "The first advantage is not having to open the bank app", that was one of the concerns about using Pix in public places. Just touch the phone to the payment machine to make the purchase
The second benefit would be more focused on e-commerce customers. For online purchases, it is possible to link your account in the online store and make the payment directly in the store, without having to go to a bank page. It is also an advantage for e-commerce stores, since it prevents this consumer from abandoning the 'shopping cart'
Open Finance the indirect benefit will be the automatic registration in Open Finance and the benefits linked to it
"Pix by Proximity will start operating through digital wallets". The consumer registers the key in the app to use only the smartphone during payment. But, for that, he needs to authorize Open Finance at the institution where he is a customer. Because the app will need to verify the purchase and obtain payment authorization from banks and other institutions. In practice, will end up registering new clients in Open Finance
According to Thiago Amaral, the sharing of information with financial institutions "tends to bring more personalized solutions, better loan or financing conditions, greater financial health, in addition to better control of your own data, requesting, of course, approvals for each share
