{"id":4256,"date":"2019-09-12T11:21:29","date_gmt":"2019-09-12T11:21:29","guid":{"rendered":"https:\/\/startbeglobal.com\/sem-categoria\/o-crescimento-das-fintechs-em-portugal\/"},"modified":"2019-09-12T11:21:29","modified_gmt":"2019-09-12T11:21:29","slug":"o-crescimento-das-fintechs-em-portugal","status":"publish","type":"post","link":"https:\/\/www.startbeglobal.com\/es\/blog\/o-crescimento-das-fintechs-em-portugal\/","title":{"rendered":"O crescimento das Fintechs em Portugal"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">No ecossistema portugu\u00eas de Startups, h\u00e1 a cria\u00e7\u00e3o de v\u00e1rias empresas inovadoras em seus segmentos, dentre elas as que trabalham diretamente com tecnologia financeira, as Fintechs.&nbsp;<\/span><span style=\"font-weight: 400;\">O crescimento das Fintechs em Portugal j\u00e1 mostra o interesse de empresas financeiras tradicionais na busca por serem parceiras destas tecnol\u00f3gicas.&nbsp;<\/span><\/p>\n\n\n\n<p>Da mesma maneira, a regula\u00e7\u00e3o de leis e diretrizes \u00e9 algo que se mostra um desafio para as boas pr\u00e1ticas do mercado financeiro.<\/p>\n\n\n\n<p>Al\u00e9m destas quest\u00f5es, trazemos no artigo alguns exemplos de Fintechs j\u00e1 estabelecidas em Portugal.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.startbeglobal.com\/es\/blog\/o-crescimento-das-fintechs-em-portugal\/#Leia_tambem_StartUp_Visa_Tech_Visa\" >Leia tamb\u00e9m:\u00a0StartUp Visa &amp; Tech Visa<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.startbeglobal.com\/es\/blog\/o-crescimento-das-fintechs-em-portugal\/#O_que_e_Fintech\" >O que \u00e9 Fintech?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.startbeglobal.com\/es\/blog\/o-crescimento-das-fintechs-em-portugal\/#Crescimento_das_Fintechs_em_Portugal\" >Crescimento das Fintechs em Portugal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.startbeglobal.com\/es\/blog\/o-crescimento-das-fintechs-em-portugal\/#Leia_tambem_Principais_empresas_de_tecnologia_de_Portugal\" >Leia tamb\u00e9m:\u00a0Principais empresas de tecnologia de Portugal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.startbeglobal.com\/es\/blog\/o-crescimento-das-fintechs-em-portugal\/#Fintech_Doutor_Financas\" >Fintech Doutor Finan\u00e7as<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.startbeglobal.com\/es\/blog\/o-crescimento-das-fintechs-em-portugal\/#Fintech_Raize\" >Fintech Raize&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.startbeglobal.com\/es\/blog\/o-crescimento-das-fintechs-em-portugal\/#Desafios_da_tecnologia_financeira\" >Desafios da&nbsp;tecnologia financeira&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.startbeglobal.com\/es\/blog\/o-crescimento-das-fintechs-em-portugal\/#Orgaos_e_instituicoes_preocupados\" >\u00d3rg\u00e3os e institui\u00e7\u00f5es preocupados<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.startbeglobal.com\/es\/blog\/o-crescimento-das-fintechs-em-portugal\/#Leia_tambem_O_cenario_de_Startups_em_Portugal\" >Leia tamb\u00e9m:\u00a0O cen\u00e1rio de Startups em Portugal<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-leia-tambem-startup-visa-amp-tech-visa\"><span class=\"ez-toc-section\" id=\"Leia_tambem_StartUp_Visa_Tech_Visa\"><\/span>Leia tamb\u00e9m:\u00a0<a href=\"https:\/\/www.startbeglobal.com\/es\/blog\/portugal\/startup-visa-portugal\/\" target=\"_blank\" rel=\"noreferrer noopener\">StartUp Visa<\/a> &amp; <a href=\"https:\/\/www.startbeglobal.com\/es\/blog\/portugal\/visto-de-tecnologia-para-portugal\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tech Visa<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-o-que-e-fintech\"><span class=\"ez-toc-section\" id=\"O_que_e_Fintech\"><\/span><b>O que \u00e9 Fintech?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">A palavra&nbsp;Fintech&nbsp;<\/span><span style=\"font-weight: 400;\">tem sua origem na uni\u00e3o das palavras&nbsp;<\/span><i><span style=\"font-weight: 400;\">finance<\/span><\/i><span style=\"font-weight: 400;\">&nbsp;e&nbsp;<\/span><i><span style=\"font-weight: 400;\">technology<\/span><\/i><span style=\"font-weight: 400;\">. Ou seja, tecnologia financeira.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"> As startups que desenvolvem, produzem, comercializam ou possuem qualquer tipo de opera\u00e7\u00e3o que alie tecnologia \u00e0 \u00e1rea financeira s\u00e3o chamadas de Fintech.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Muitas Fintechs s\u00e3o relativamente novas no mercado e operam como startups. Basicamente estas startups inovadoras podem optar por:<\/span><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">\u00a0crescer e dominar um grande segmento do setor financeiro;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u00a0focar-se em \u00e1reas de nicho.;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">prestar servi\u00e7os especializados a institui\u00e7\u00f5es maiores (como bancos por exemplo).\u00a0\u00a0<\/span><\/li>\n<\/ol>\n\n\n\n<p><span style=\"font-weight: 400;\">Muitos bancos t\u00eam apostado na tecnologia financeira, e at\u00e9 t\u00eam departamentos dedicados a Fintechs. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Outros compraram empresas Fintechs \u2013 incluindo bancos&nbsp;digitais&nbsp;\u2013 ou formam parcerias.&nbsp;<\/span><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"_form_78\"><\/div><script src=\"https:\/\/startbeglobal.activehosted.com\/f\/embed.php?id=78\" charset=\"utf-8\"><\/script>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-crescimento-das-fintechs-em-portugal\"><span class=\"ez-toc-section\" id=\"Crescimento_das_Fintechs_em_Portugal\"><\/span><b>Crescimento das Fintechs em Portugal?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Alguns exemplos de Fintech&nbsp;em Portugal s\u00e3o novas formas de pagamento, aconselhamento de investimento automatizado ou at\u00e9 aquelas&nbsp;<\/span><i><span style=\"font-weight: 400;\">apps<\/span><\/i><span style=\"font-weight: 400;\">&nbsp;de online banking.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Em Portugal o caso mais recente de inova\u00e7\u00e3o na \u00e1rea financeira, no caminho de se tornar a Nubank Portuguesa, \u00e9 o ActivoBank, uma Fintech<\/span><span style=\"font-weight: 400;\">&nbsp;do banco Millenium que n\u00e3o cobra (ou pelo menos reduz muito) as taxas de conta e a burocracia.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">O pr\u00f3prio sistema multibanco, onde pode se pagar uma fatura em Portugal e obter a compensa\u00e7\u00e3o e confirma\u00e7\u00e3o da compra em quest\u00e3o de segundos \u00e9 um diferencial gigante em termos de tecnologia.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"> J\u00e1 imaginou n\u00e3o ter que esperar 24 horas para compensar um boleto? No Brasil ainda temos esta triste realidade.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-leia-tambem-principais-empresas-de-tecnologia-de-portugal\"><span class=\"ez-toc-section\" id=\"Leia_tambem_Principais_empresas_de_tecnologia_de_Portugal\"><\/span>Leia tamb\u00e9m:\u00a0<a href=\"https:\/\/www.startbeglobal.com\/es\/blog\/portugal\/principais-empresas-de-tecnologia-de-portugal-conheca-a-lista\/\">Principais empresas de tecnologia de Portugal<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Quem nunca usou o Paypal? Especialmente nas compras pela internet. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">As <\/span><i><span style=\"font-weight: 400;\">mobile wallets<\/span><\/i><span style=\"font-weight: 400;\"> , ou carteiras digitais, tamb\u00e9m ganham for\u00e7a, o sistema contactless (onde pagamos com uma simples band \u2013 pulseira, ou o pr\u00f3prio celular) j\u00e1 est\u00e1 mais que consolidado, o blockchain e a criptomoeda tamb\u00e9m j\u00e1 alcan\u00e7am propor\u00e7\u00f5es mundiais.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Mas n\u00e3o \u00e9 preciso ir t\u00e3o longe, <strong>as Fintechs<\/strong><\/span><span style=\"font-weight: 400;\"><strong>&nbsp;em Portugal<\/strong> tamb\u00e9m t\u00eam mudado o dia a dia das pessoas. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Sempre que se cria um cart\u00e3o de cr\u00e9dito virtual com o MB Net, ou transfere dinheiro via smartphone com o MB Way, ou ainda sacar dinheiro num caixa eletr\u00f4nico sem usar o cart\u00e3o banc\u00e1rio, est\u00e1 a usar ferramentas muito ligadas ao setor &nbsp;Fintech<\/span><span style=\"font-weight: 400;\">, neste caso, criadas pela SIBS.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">E apesar de a SIBS ser a empresa Fintech<\/span><span style=\"font-weight: 400;\">&nbsp;mais antiga (tem cerca de 20 anos) h\u00e1 muitas outras Fintechs em Portugal.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">\u00c9 o caso da Seedrs, a plataforma pioneira na Europa, no \u00e2mbito do financiamento empresarial coletivo, e que permite a qualquer um investir numa startup.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Uma das apostas mais recentes das Fintechs em Portugal \u00e9 a concess\u00e3o de cr\u00e9dito. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">A ITSector criou um app que permite simular e contratar um cr\u00e9dito em tempo real; a Casa Banco CTT permite-lhe obter cr\u00e9dito \u00e0 habita\u00e7\u00e3o; j\u00e1 a CrediSimples do Santander Totta \u00e9 um app que disponibiliza cr\u00e9dito pessoal.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Portugal est\u00e1 na lista da Forbes das 50 melhores Fintechs (startups financeiras) do mundo. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">A Feedzai entra pela primeira vez neste ranking gra\u00e7as \u00e0 tecnologia que utiliza para proteger a fraude nos sistemas de pagamentos. Liderada por Nuno Sebasti\u00e3o, a empresa fundada em Coimbra e que tamb\u00e9m conta com escrit\u00f3rios nos Estados Unidos, j\u00e1 obteve um total de 82 milh\u00f5es de d\u00f3lares em financiamento.<\/span><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-start-be-global wp-block-embed-start-be-global\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"0UMyYtcIBd\"><a href=\"https:\/\/www.startbeglobal.com\/es\/blog\/portugal\/incubadora-em-portugal\/\">Incubadoras em Portugal: conhe\u00e7a o cen\u00e1rio em 2024<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Incubadoras em Portugal: conhe\u00e7a o cen\u00e1rio em 2024&#8221; &#8212; Start! Be Global\" src=\"https:\/\/www.startbeglobal.com\/blog\/portugal\/incubadora-em-portugal\/embed\/#?secret=D5ytKuxZL4#?secret=0UMyYtcIBd\" data-secret=\"0UMyYtcIBd\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fintech-doutor-financas\"><span class=\"ez-toc-section\" id=\"Fintech_Doutor_Financas\"><\/span><b>Fintech Doutor Finan\u00e7as<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">O Doutor Finan\u00e7as foi&nbsp;eleito&nbsp;pelo Portugal&nbsp;Fintech&nbsp;Report&nbsp;como uma das 25&nbsp;Fintechs&nbsp;que mais se destacaram em 2018.&nbsp;&nbsp;Trata-se de uma&nbsp;plataforma online que&nbsp;permite com que os&nbsp;50 consultores ajudem a poupar mais de 3000 pessoas por m\u00eas.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">O&nbsp;Fintech&nbsp;Report&nbsp;2018 distingue as empresas que contribuem com inova\u00e7\u00f5es e promovem a utiliza\u00e7\u00e3o de novas tecnologias no setor financeiro, reconhecendo as principais evolu\u00e7\u00f5es e tend\u00eancias da ind\u00fastria&nbsp;Fintech. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">As organiza\u00e7\u00f5es s\u00e3o selecionadas e avaliadas pelas melhores pr\u00e1ticas e pela experi\u00eancias no setor atrav\u00e9s do olhar de especialistas de mercado, com o intuito de conectar empreendedores e investidores a n\u00edvel nacional e internacional.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Esta fintech ajuda a encontrar o Cr\u00e9dito Habita\u00e7\u00e3o para o seu caso,&nbsp; Negociar Cr\u00e9dito Habita\u00e7\u00e3o<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Juntam os seus cr\u00e9ditos num s\u00f3, com melhores condi\u00e7\u00f5es e uma taxa mais baixa, Encontram o Seguro de Vida ou Multirriscos mais adequado \u00e0s suas necessidades, Apresentam a melhor proposta para o seu Cr\u00e9dito Autom\u00f3vel<\/span><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fintech-raize-nbsp\"><span class=\"ez-toc-section\" id=\"Fintech_Raize\"><\/span><b>Fintech Raize&nbsp;<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Depois de entrar na bolsa portuguesa, a Fintech Raize vai criar dep\u00f3sitos banc\u00e1rios em v\u00e1rios bancos e promete &#8220;taxas de juros mais atrativas\u201d.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">A&nbsp;Raize &nbsp; cria software para finan\u00e7as e bancos, e j\u00e1 anunciou que vai criar um \u201cmarketplace\u201d de dep\u00f3sitos banc\u00e1rios, com o objetivo de \u201cCanalizar\u201d os dep\u00f3sitos banc\u00e1rios dos portugueses para novas op\u00e7\u00f5es de poupan\u00e7a.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Hoje , atrav\u00e9s de seus servi\u00e7os, \u00e9 poss\u00edvel ganhar at\u00e9 5%&nbsp; de \u201cjuros\u201d ao emprestar dinheiro para PMEs portuguesas.<\/span><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-desafios-da-nbsp-tecnologia-financeira-nbsp\"><span class=\"ez-toc-section\" id=\"Desafios_da_tecnologia_financeira\"><\/span><b>Desafios da&nbsp;tecnologia financeira&nbsp;<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">A seguran\u00e7a, sendo uma das vantagens da Fintech, \u00e9 tamb\u00e9m uma das maiores preocupa\u00e7\u00f5es. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Nada \u00e9 100% seguro, especialmente as opera\u00e7\u00f5es financeiras inform\u00e1ticas que envolvem movimenta\u00e7\u00f5es de grandes quantias de dinheiro.&nbsp;&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Como as Fintechs em Portugal est\u00e3o a crescer e a consolidar, especula-se que possam ser alvo de fraude, pela sua popularidade. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Por outro lado, em rela\u00e7\u00e3o \u00e0 impress\u00e3o causada no consumidor, algumas Fintechs em Portugal, por serem recentes ou startups, n\u00e3o t\u00eam a credibilidade de um grande banco, o que pode deixar alguns clientes \u201ccom o p\u00e9 atr\u00e1s\u201d.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">A principal desvantagem da Fintech em Portugal, e no Mundo, face a um banco, \u00e9 a falta de regulamenta\u00e7\u00e3o dos servi\u00e7os. Existe ainda a quest\u00e3o do \u201c100% digital\u201d, o que exclui automaticamente uma grande parte da popula\u00e7\u00e3o portuguesa.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Apesar disso, recentemente transpuseram a diretiva da Uni\u00e3o Europeia que \u201cveio introduzir novos requisitos para a atividade de institui\u00e7\u00f5es de pagamento e de moeda eletr\u00f4nica\u201d.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ainda \u00e9 longo o caminho a ser percorrido, por\u00e9m a incerteza regulat\u00f3ria sobre as Fintechs acabam por tornar um pouco mais atraentes o surgimento deste tipo de startup em Portugal, entretanto, \u00e9 necess\u00e1rio considerar que Portugal faz parte da Uni\u00e3o Europeia, e, apesar de Portugal n\u00e3o ter leis muito espec\u00edficas sobre a mat\u00e9ria, h\u00e1 ainda uma s\u00e9rie de regulamentos a n\u00edvel Europeu que devem ser observados.<\/span><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-orgaos-e-instituicoes-preocupados\"><span class=\"ez-toc-section\" id=\"Orgaos_e_instituicoes_preocupados\"><\/span><b>\u00d3rg\u00e3os e institui\u00e7\u00f5es preocupados<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">O Banco de Portugal e a Associa\u00e7\u00e3o FinTech e InsurTech Portugal acordaram fazer reuni\u00f5es regulares para debater os problemas do setor Fintech em Portugal e as adapta\u00e7\u00f5es a fazer na regula\u00e7\u00e3o para lidar com a inova\u00e7\u00e3o tecnol\u00f3gica.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">A Associa\u00e7\u00e3o FinTech e InsurTech Portugal (AFIP) pretendem se reunir periodicamente com o Banco de Portugal e discutir &#8220;o potencial, a situa\u00e7\u00e3o e os problemas do setor.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">O principal tema em pauta \u00e9&nbsp; debater quest\u00f5es regulat\u00f3rias, nomeadamente como Portugal adaptar\u00e1 a regula\u00e7\u00e3o \u00e0s evolu\u00e7\u00f5es tecnol\u00f3gicas e como far\u00e1 a passagem para a lei portuguesa de normas europeias.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">A AFIP, por sua vez, representa mais de 70 empresas tecnol\u00f3gicas que operam tamb\u00e9m na \u00e1rea das Fintech, empresas de tecnologias financeiras. Participa de uma s\u00e9rie de reuni\u00f5es do grupo de trabalho sobre Fintech promovido pelo Minist\u00e9rio da Economia.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Com isso, o Banco de Portugal criou recentemente um grupo de trabalho com o objetivo de estudar a evolu\u00e7\u00e3o do banco digital e das Fintech.<\/span><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-leia-tambem-o-cenario-de-startups-em-portugal\"><span class=\"ez-toc-section\" id=\"Leia_tambem_O_cenario_de_Startups_em_Portugal\"><\/span>Leia tamb\u00e9m:\u00a0<a href=\"https:\/\/www.startbeglobal.com\/es\/blog\/portugal\/empreender-portugal-pt\/empreendedorismo-em-portugal\/\" target=\"_blank\" rel=\"noreferrer noopener\">O cen\u00e1rio de Startups em Portugal<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">O administrador do banco central H\u00e9lder Rosalino, que se tem dedicado a este tema, tem defendido a posi\u00e7\u00e3o de que o Banco de Portugal est\u00e1 &#8220;ativo&#8221; no acompanhamento da inova\u00e7\u00e3o digital no sistema financeiro, com cada vez mais &#8220;proximidade e abertura&#8221;.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Sobre o papel dos bancos tradicionais face \u00e0s Fintechs, o Banco de Portugal considera que estes devem aliar-se a estas, beneficiando da sua &#8220;capacidade de inova\u00e7\u00e3o, da flexibilidade e do poder de disrup\u00e7\u00e3o.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Com estas fus\u00f5es, as Fintechs podem se beneficiar da solidez, da reputa\u00e7\u00e3o, da dimens\u00e3o e da escala de neg\u00f3cio que as institui\u00e7\u00f5es de cr\u00e9dito lhes podem oferecer para potenciar as solu\u00e7\u00f5es inovadoras que criam.<\/span><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-start-be-global wp-block-embed-start-be-global\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"7KLiLA74w2\"><a href=\"https:\/\/www.startbeglobal.com\/es\/blog\/portugal\/multibanco-em-portugal\/\">Multibanco em Portugal: saiba o que \u00e9 e como funciona<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Multibanco em Portugal: saiba o que \u00e9 e como funciona&#8221; &#8212; Start! Be Global\" src=\"https:\/\/www.startbeglobal.com\/blog\/portugal\/multibanco-em-portugal\/embed\/#?secret=eHS0bCQCOq#?secret=7KLiLA74w2\" data-secret=\"7KLiLA74w2\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>","protected":false},"excerpt":{"rendered":"<p>No ecossistema portugu\u00eas de Startups, h\u00e1 a cria\u00e7\u00e3o de v\u00e1rias empresas inovadoras em seus segmentos, dentre elas as que trabalham diretamente com tecnologia financeira, as Fintechs.&nbsp;O crescimento das Fintechs em Portugal j\u00e1 mostra o interesse de empresas financeiras tradicionais na busca por serem parceiras destas tecnol\u00f3gicas.&nbsp; Da mesma maneira, a regula\u00e7\u00e3o de leis e diretrizes [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":4257,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[62,67,77,82],"tags":[870,871,1772,1774],"class_list":["post-4256","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-empreender-portugal-pt","category-investir-em-portugal-pt","category-portugal","category-trabalhar-em-portugal-pt","tag-fintech","tag-fintech-portugal","tag-startup","tag-startup-portugal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>O crescimento das Fintechs em Portugal | Start Be Global<\/title>\n<meta name=\"description\" content=\"Saiba porque o pa\u00eds tem apoiado tanto o crescimento de starups no pa\u00eds, e o destaque das fintechs em Portugal nesse segmento.\" \/>\n<meta name=\"robots\" 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