Released this Monday, day 4, O Pix por Aproximação vai facilitar a vida dos consumidores de duas formas de maneira direta, in daily payments; and indirectly, to encourage the consumer to adopt Open Finance. This is what explains the partner in the Payments area at Barcellos Tucunduva Advogados (BTLAW), Thiago Amaral
For the specialist, the consumer will notice two benefits immediately in their daily purchases. The first advantage is not needing to open the bank's app, que era uno de los temores del uso del Pix en lugares públicos. Just place the phone on the payment machine to make the purchase
The second benefit would be more aimed at e-commerce customers. For online shopping, Is it possible to link your account to 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 online retail 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
The Pix by proximity will start to operate 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 has an account. Because the application will need to verify the purchase and obtain payment permission from banks and other institutions. In practice, vai acabar registando novos clientes no Open Finance
According to Thiago Amaral, the sharing of information with financial institutions "tends to bring more personalised solutions, best loan or financing conditions, better financial health, besides better control of their own data, requesting, clear, approvals with each share
