Aula 14 - Novos modelos de negócios (instituições de pagamento) - Curso Caixa Econômica Federal

Introduction to Institutions of Payment

In this section, the instructor introduces the topic of institutions of payment and provides examples such as banks and card networks.

Institutions of Payment

• Banks are common examples of institutions of payment. They can operate as a payment arrangement and offer services like current accounts, loans, and financing to customers.

• Card networks, such as card issuers or card brands, are responsible for credit and debit cards but cannot provide loans or financing to customers.

• A formal definition of an institution of payment is a legal entity that facilitates commercial or financial transactions within a payment arrangement. However, they cannot provide loans or financing to customers.

Types of Institutions of Payment

This section discusses different types of institutions of payment, including electronic money issuers and instrument issuers.

E-Money Issuers

• E-money issuers manage prepaid payment accounts where users need to deposit money before using it. Examples include prepaid cards for shopping or transportation.

• These companies issue cards for purposes like meal vouchers or transportation passes. Users must deposit money into these cards before using them.

Instrument Issuers

• Instrument issuers are non-financial institutions that enable acceptance of specific payment instruments by merchants. An example is a credit card company that signs contracts with merchants to accept their cards as a form of payment.

Prepaid Cards vs Credit Cards

This section explains the difference between prepaid cards and credit cards.

Prepaid Cards

• Prepaid cards are reloadable payment methods used for purchases and payments in debit mode. They are not linked to a bank account.

• Examples include prepaid transportation tickets or meal vouchers.

Credit Cards

• Credit cards allow users to make purchases and pay for them later. They are linked to a credit line provided by financial institutions.

• Credit card issuers are responsible for managing the payment instrument.

Creditor and Central Financial Institutions

This section discusses central financial institutions that provide centralized financial services.

Central Financial Institutions

• Central financial institutions aim to centralize multiple bank accounts and credit cards into a single application or platform.

• The goal is to provide automated financial operations and solutions, allowing users to have better control over their finances.

Summary of New Business Models in Payment Systems

This section summarizes the new business models in payment systems, including centralized financial platforms.

• New business models in payment systems focus on aggregating products and services according to customer needs.

• Centralized financial platforms offer solutions and platforms for managing multiple bank accounts and credit cards in one place.

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New Section

This section introduces the concept of studying a specific part of the population in relation to society in order to offer a tailored service. It discusses the idea of adding value to financial services through the provision of non-financial services.

Studying Population and Society

• The focus is on studying a specific part of the population and its relationship with society.

• The goal is to offer a specific service for a particular target audience.

• Adding value to financial services by incorporating non-financial services.

New Section

This section explains the concept of adding non-financial services to certain economic sectors, such as transportation or food delivery apps, as a new business model called "value aggregation in financial services."

Adding Non-Financial Services

• Non-financial sectors, like transportation or food delivery apps, can incorporate banking services into their platforms.

• Examples include Uber offering financial transactions within their app and iFood integrating banking services.

• This new business model is known as "value aggregation in financial services."

New Section

This section briefly concludes the introduction to new payment institutions and business models. It mentions that further discussions on new business models will be covered in future lessons.

Conclusion

• This lesson serves as an introduction to new payment institutions and business models.

• Future lessons will delve deeper into different aspects of new business models.