Curso CPA 2026 - Aula 13 - Novos Modelos de Negócios

A payment institution is a legal entity that enables commercial or financial transactions and the movement of funds within a payment arrangement*, but without the possibility of granting loans and financing to its clients. New Business Models: Financial Centralizers The aim is to add products to the original service according to the needs of its clients. Among the solutions offered are digital accounts, automation of financial operations, payment reconciliation, verification of receipts, and transfer services. The main objective of the institution with this model is to establish itself as a provider of services, solutions, and platforms, so that it can remain the central financial manager for its clients. Focused on Niches They seek to target their products and services according to specific demographic profiles. The viability of these models is based on the development of new technologies and regulatory frameworks favorable to the offering of services on a smaller scale, such as interoperability (the possibility for any entrant to associate with any payment arrangement, provided the established rules are met). Adding value to financial services They allow the addition of typically banking services—such as payment services, credit cards, and financial management applications—to the provision of core services in a given non-financial economic sector, such as transportation apps, commerce, or delivery services. 📚 Professor Willian Capriata - Master in Economics, CGA - Professor of Financial Certifications and Banking Entrance Exams. ------------------- 🔔Subscribe to our channel🔔 ✅CHECK OUT OUR PREPARATORY COURSES: 👉🏼 Banco do Brasil (BB) Course https://capriatacursos.com.br/produto... 👉🏼 Banco do Nordeste (BNB) Course https://capriatacursos.com.br/produto... 👉🏼 Caixa Econômica Federal (CEF) Course https://capriatacursos.com.br/produto... 👉🏼 CPA Course https://capriatacursos.com.br/produto... 👉🏼 C-Pro Course R https://capriatacursos.com.br/produto... 👉🏼 C-Pro I Course https://capriatacursos.com.br/produto... 👉🏼 CFG Course https://capriatacursos.com.br/produto... 👉🏼 HP-12C Course https://capriatacursos.com.br/produto... 👉🏼 Learn to Invest Course https://capriatacursos.com.br/produto... 👉🏼 Course Ancord https://capriatacursos.com.br/produto... 👉🏼FREE SIMULATIONS and MATERIALS https://capriatacursos.com.br/materia...