With increased regulations targeting the financial ecosystem, companies of all sizes have sought to structure more robust governance, security and compliance processes to avoid operational and reputational risks.
The expansion of digital payment methods, combined with Central Bank directives and the requirements brought about by Open Finance, requires an ever higher level of maturity in data and transaction management. According to the Central Bank, in 2025 alone, Open Finance will have more than 800 participating institutions, 111 million active consents and around 70 million connected accounts.
In this scenario, preparing the company for the new rules becomes a preventive measure and, above all, a competitive differentiator in the market. The pressure for more precise controls increases proportionally to the volume of information that flows between organizations, customers and authorized institutions.
“Open Finance, for example, requires organizations to establish secure mechanisms for consent, sharing and tracking data. For many, this requires a complete review of technology architecture and the adoption of tools that automate audits, validate processes and reduce internal vulnerabilities. Payment security is also directly linked to the ability of businesses to implement verification, encryption and strong authentication protocols,” explains Lígia Lopes, CEO of Teros, an intelligent automation platform that turns data into results.
According to the expert, now is an opportune time for organizations to consolidate compliance programs integrated into the business strategy, being a way to strengthen relationships with customers, while increasing transparency and operational efficiency.
“The adoption of automated solutions and intelligent systems has played a fundamental role in this adaptation process. Risk monitoring, consent management and continuous compliance platforms help identify failures before they generate impacts, in addition to facilitating internal and external audits. Artificial intelligence tools also make it possible to cross-reference large volumes of data to detect inconsistencies, supporting more assertive governance,” adds Lopes.
Furthermore, according to the CEO, integration between legal, financial, technology and information security departments is one of the pillars for companies to stay up to date with regulatory requirements. Decentralized structures or manual processes increase the risk of failure and make it difficult to respond quickly to changes. To this end, the creation of compliance and governance committees is proving to be an increasingly common practice among companies concerned with regulatory maturity.
“Advancement in regulation represents an opportunity for institutional strengthening and increased trust between consumers and partners. We live in an increasingly digital and interconnected payment environment, which requires companies to invest in governance, technology and security to consolidate solid foundations for innovation and sustainable growth,” concludes Lígia Lopes.
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