The way consumers deal with financial services changes every day, and the unanimity among experts in the sector is that Brazilians are increasingly demanding.
To be able to serve this consumer, the solution is the joint action between large banks and fintechs.
The subject was addressed in one of the panels of the South Summit Brasil, a technology and innovation event that started this Wednesday (4th) and runs until Friday in Porto Alegre (RS).
“We are always talking about people who constantly change the way they use applications and consume financial services. The user has become more discerning, looking for a better service, more competitive rates and more transparency”, says Maria Cristina Kopacek, CEO of Idez Digital, a company of digital solutions for fintechs.
For Kopacek, although startups are largely responsible for bringing innovative ideas to the market, large institutions are capable of accelerating the process and making the news reach more people.
“Startups cannot implement changes so quickly in society, that’s where the role of those who bet on innovation within large corporations comes in. These are the people who manage to show that partnering with startups is a good business proposal”, he says.
Renata Petrovic, innovation superintendent at Bradesco, says that the consumer, in addition to being more demanding, is more connected and seeks instant consumption.
“All industries needed to transform quickly to keep up with this pace of change, including the financial market. There was a need to think about open and collaborative innovation. Doing it at home costs more and takes longer,” he says.
Today, Bradesco has an open innovation program, with the objective of working in partnership with startups.
“When we talk about collaboration between these institutions and fintechs, I understand that we will win together. To get where we are, we are sure that the partnership was fundamental”, says Claise Muller Rauber, director of products, segments and digital channels at Banrisul.
Innovation in the financial market
“Innovation is everyone’s problem. There is no area or group of people responsible for innovation. It is necessary to create a culture in the company, which is a process that takes time to be built”, says Petrovic.
While innovation is not something disseminated within the company, the strategy is to create groups destined to think about the matter.
“A structure created within a company to talk about innovation is born to die. When there is a change in culture, this area has fulfilled its objective and no longer needs to exist”, says Bruna Travi, innovation leader at Banrisul.
