“Cadastro Positivo”: What the results of the compliant debtors law mean for Open Banking

With Cadastro Positivo, new customers obtained a 10.4% reduction in interest rates for consumer credit.
Open Banking has reached more than 3 million end users in the United Kingdom. So far, the key benefits for both consumers and small businesses are improved financial management and access to alternative sources of credit. Payments will be under the spotlight in 2021.
Big Tech firms – internet giants such as Facebook, Google, Ant and Tencent – benefit from economies of scope and scale to offer basic financial services such as payments, digital accounts, credit and investments. Despite potential benefits, regulators fear negative repercussions for financial stability, competition, and data protection.



Crypto Regulation: trends in Brazil and the world

The growth of crypto in Brazil and worldwide has brought about the debate on the need for regulation of the market. The movement, however, has not been uniform or simple. In this bulletin we analyze the regulatory debate in countries whose actions have drawn attention recently to point out trends for Brazil, but also for the international scenario.

Sustainability and financial system in Brazil: regulatory trends and market evolution

The sustainability regulatory agenda has been accelerating in Central Banks around the world at the same time as the market for sustainable finance has been growing strongly. We analyze both phenomena in order to provide an overview of trends for Brazil.

Open Banking in Brazil: expectation for small businesses

The first edition of Bulletin Propague – a periodic report that monitors and analyses the financial market’s regulatory trends – focuses on the international scenario of Open Banking, guiding qualitative and quantitative expectations regarding the supply of products and services that may arise from its implementation in Brazil.

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WhatsApp Pay has received regulatory approval to begin operations in Brazil. The new service emulates the WeChat Pay experience, but different contexts affect potential uptake.
In 2020, retailers were forced to close or reduce the activity in physical stores. At the same time, consumers sought ways to protect themselves from Covid-19 when shopping. In this context, the use of debit cards, remote sales, and contactless payments have grown. At the end of the year, cards transacted 46% of household consumption in Brazil.
CBDCs combine the functionality of electronic payments with the universal accessibility of money. Under review by more than 40 central banks around the world, these digital currencies promise to facilitate payments and promote financial inclusion.
In the week Pix started operating, we wrote an article for the Instituto Fernand Braudel de Economia Mundial in which we argue how the instant payment system can be the most efficient way to promote financial inclusion in Brazil, as demonstrated by foreign experiences, such as China and India.