The Central Bank of Brazil will roll out open banking implementation - Business Insider

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The Central Bank of Brazil's open banking regulations can stimulate competition for neobanks while promoting greater financial inclusion

open banking to easily build onto their platforms to offer value-added services from other providers, which can be cost-effective for them and valuable to customers.

These regulations can ultimately fuel competition and make Brazil a more attractive market for neobanks to expand into. With 24 million users, Nubank is the sixth-largest FI in Brazil. It's also the neobank in the world, with a valuation of $10 billion, making it the best example of a neobank posing a legitimate threat to incumbents.

While it's likely to maintain this lead for the foreseeable future, Brazil's rollout of open banking could invite competition from established neobanks from other markets — like Germany's — which have already had their eye on expanding into the market. And given the significant portion of currently underbanked consumers in Brazil , there's likely enough room for those neobanks to build their customer bases, despite the size of Nubank.

 

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