Mito 1: Meus dados não estarão seguros no Open Finance

[{"selector":"#anim-0ba15753-7d72-4a9d-8661-64a95e08e630","keyframes":{"opacity":[1,1]},"delay":0,"duration":200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-c56c2aee-0fc5-4587-bda8-7aebe810541e","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":0,"duration":200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-7a36470d-dfda-4a83-bf3a-573d1fdb2a87","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8c95562f-3c1e-4bb6-9a79-23e27e41e399","keyframes":{"transform":["translate3d(0px, 147.60748%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e5a1e4b9-bbff-4a4a-a740-44e08c8012ea","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a169e301-9b97-4f51-b36d-5a6ca8222acd","keyframes":{"transform":["translate3d(-118.125%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-22ad3d2f-14cb-470f-b465-a10eba5f72c4","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-543f7b9a-7e11-4b0c-a85e-de07fe694783","keyframes":{"transform":["translate3d(231.11113%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] A realidade é o oposto: as empresas só podem ter acesso aos dados dos consumidores se estiverem autorizadas por ele, dando mais controle ao cliente.

Mito 2: Vai ser mais uma tarifa que precisarei pagar

[{"selector":"#anim-0ffc84ed-c16a-4871-b876-8517acfc5962","keyframes":{"opacity":[1,1]},"delay":0,"duration":200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-08f23548-66e3-45e2-9ebf-5f8d2267898d","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":0,"duration":200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-bfb36880-0fe5-40dd-abfb-f97bc90d6a42","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-76343369-c3c6-445c-905b-6b40677679a5","keyframes":{"transform":["translate3d(0px, 137.47646%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0830509b-6040-4236-b603-967092c6167e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-25a0c56a-b96b-4601-82bb-f47826f97b2f","keyframes":{"transform":["translate3d(-114.20119%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-99f08fe7-d2a0-44db-a35d-c6edceec215b","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c7bb90d5-548c-4ad7-bc56-411b3b5b199f","keyframes":{"transform":["translate3d(206.66671%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] O compartilhamento de dados não tem nenhum custo ao consumidor para incentivá-lo a aderir o Open Finance.

Mito 3: Assim que compartilhar os dados, passarei a receber ofertas e propostas indesejadas

[{"selector":"#anim-26640e64-e20a-4cf5-bdd3-69457239b75b","keyframes":{"opacity":[1,1]},"delay":0,"duration":200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-94c702b6-eb1f-4851-835b-def15ef9d71a","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":0,"duration":200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-b402aeac-f227-4d63-b262-dcb06699a55d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-660cb239-0f99-48a8-b207-6651a3ed686e","keyframes":{"transform":["translate3d(0px, 112.19639%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-948f991e-75fd-4024-a801-88a8a37ce350","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-73f261a6-aba0-44a2-9cb3-f6d5758d2eda","keyframes":{"transform":["translate3d(-115.14196%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b558768c-4ce9-4de7-9cd2-c8f08307cb8b","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ec8529e8-f381-4dc8-ab1a-dfac95099474","keyframes":{"transform":["translate3d(202.22224%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Quanto mais informações o sistema tem, a partir do histórico financeiro do cliente, mais personalização o Open Finance tem a oferecer, enviando com mais precisão as ofertas de crédito ou de produtos que de fato fazem sentido.

Mito 4: Uma vez compartilhados meus dados, isso será irreversível

[{"selector":"#anim-f2e7747c-b0e3-48c1-9f8a-7ca542eef173","keyframes":{"opacity":[1,1]},"delay":0,"duration":200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-45ece257-fc66-4c5c-becd-c1d4568bb488","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":0,"duration":200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-c0154e73-882e-4e3c-8854-99c070ee270f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-20694ba1-491e-4a67-aeaa-93df0d35a2ea","keyframes":{"transform":["translate3d(0px, 140.43209%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-12056b6d-58b1-41fe-98f5-80931f99a566","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-69d2cffc-9765-46d2-8c46-a715934de788","keyframes":{"transform":["translate3d(-114.8265%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cbc7a30c-72ee-4a09-a134-e25a63dc2702","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3870da9d-c510-4465-b539-d964ee66127d","keyframes":{"transform":["translate3d(202.22224%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] A qualquer momento, o consumidor pode solicitar a interrupção do compartilhamento de dados. A instituição, por sua vez, perde o direito de utilizar os dados.

Para saber mais, leia a matéria completa:

[{"selector":"#anim-376793bc-cc68-4afd-b23c-86b022620cfe","keyframes":{"opacity":[1,1]},"delay":0,"duration":200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-7f368309-7808-451e-8647-158ff9540a4b","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":0,"duration":200,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-fa7b7b34-0cfd-4152-845e-f4465645926c","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}]