Online banking platforms, which deal with finances and budgets, are increasingly being used by Brazilians, both for personal use and for managing business finances. You apps are in the palm of the user's hand, increasingly intuitive and can be used through any mobile device that has an internet connection. Check out more about it below:
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To better understand these online financial platforms and the reason for all its success, we will explain in more detail below. Having knowledge about what they are and what risks the use of these applications offers, it is possible to carry out an evaluation on whether it is worth using them or not.
The advance of the digital world is uncontrollable and has undergone a radical acceleration during the pandemic period. We are currently experiencing a digital revolution that paves the way for companies and fintechs to present an ever-increasing development of online financial platforms. These compete with the services offered by traditional banks, which are immersed in a restructuring process and need updating.
O open banking, for example, releases banking and financial information, which increases the power of choice and customization of the financial services offered. These services, through fintechs, occupy market niches such as online platforms.
Through the introduction of the Payment Services Directive to the market, the door was opened for product data to be customers' financial statements are gathered on the same platform, which is also a place where banks also intend to to occupy. Everything indicates that this will happen through facilitation, allowing the platforms of the sites to be more accessible to queries about the positions of users and other financial entities.
Therefore, it is possible to find numerous types of financial platforms online:
Virtual wallets are used as an option to make collections and other payments quickly and securely. It is generally used to manage the small and most frequent transactions, and can be used from a smartphone to any other electronic device that has Internet access.
These wallets do not charge for transfers made between them, in order to encourage their use. However, fees are usually charged for transfers made to other bank accounts.
Among them, one of the most popular in the world is PayPal, which is used especially as an alternative to credit cards. In this case, the person who pays the fees is the recipient of the money.
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