Cooperativas financeiras e fintechs se unem para ganhar mercado

Coperativas financeiras e fintechs, empresas de tecnologia no setor financeiro, estão se aproximando para oferecer serviços no mercado de câmbio e crédito e assim conseguir ampliar o número de clientes. A estratégia pode ser positiva para os consumidores, com aumento da concorrência no mercado financeiro, ampliando o poder de escolha, avaliam representantes dos setores.

A ideia é que as cooperativas e as fintechs possam fazer integração de plataformas, com compartilhamento de informações e dados dos clientes. “O que as fintechs querem é que, dentro dos aplicativos, elas consigam se integrar, se conectar pelos APIs, que são esses protocolos de comunicação seguros, para que o cliente possa abrir uma conta, emprestar, consultar extrato ou a fatura do cartão de crédito”, disse o diretor executivo do Sistema de Cooperativas de Crédito do Brasil (Sicoob) Empresas no Rio de Janeiro, Eduardo Diniz.

No último dia 13, um encontro fechado uniu o setor de cooperativas a 20 lideranças de inovação no setor financeiro, além de representantes do Departamento de Organização do Sistema Financeiro do Banco Central. “O Sicoob tem crescido 30% ao ano. Mas o sistema cooperativo representa só 3% do setor. Nos países desenvolvidos, o sistema cooperativo representa uma média de 25%, 30%. Vemos nessa integração com as fintechs uma oportunidade para buscar pelo menos dois dígitos de participação no mercado financeiro e propiciar um ambiente para as fintechs poderem crescer. Em um ambiente extremamente regulatório, o Banco Central é muito firme, precisa de apoio de instituições financeiras para poder crescer”, afirmou Diniz.

O diretor da Associação Brasileira de Fintechs (ABFintechs), Bernardo Pascowitch, avalia que o contato com as cooperativas é uma forma de ampliar a atuação das empresas de inovação. “As cooperativas estão em contato diretamente com trabalhadores e com a população de diferentes aspectos, classes sociais e atividades econômicas. Hoje, o grande desafio é atingir a população brasileira, é levar todas as soluções das fintechs para essa população”, disse Pascowitch.

Atualmente, a ABFintechs tem cerca de 350 associadas e estima que esse número corresponda a 85% dessas empresas do Brasil. A maioria delas atua no segmento de meios de pagamento (23%) e cartão de crédito (18%).

Eduardo Diniz afirmou que, no encontro com as fintechs, foram discutidos negócios como no mercado de câmbio. “O Sicoob está buscando junto ao Banco Central autorização para operar câmbio. Queremos estrear no mercado com uma solução integrada com uma fintech que já tem conhecimento e tecnologia. É uma fintech que faz cotação com diversas casas de câmbio”, disse.

Outro negócio que pode ser fechado entre as cooperativas e as fintechs é compartilhar uma plataforma que permite fazer simulação e contratação de crédito consignado. “Por essa parceria, o cliente vai conseguir fazer tudo online, com contrato assinado digitalmente. Vamos fazer um projeto-piloto com funcionários de um supermercado”, contou Diniz.

Atualmente instituições de pagamento, que podem oferecer serviços como cartões pré-pagos, cartões de crédito, cartões de vale-refeição e credenciar lojistas para aceitarem meios de pagamento eletrônico, quando não são regulados pelo BC, precisam fazer parceria com instituição financeira para atuar no mercado. Atualmente, a maioria das instituições de pagamento não é regulada pelo BC: 112. Sete são reguladas. Para serem reguladas, as empresas precisam movimentar a partir de R$ 500 milhões por ano e passar por um processo de autorização do Banco Central.

Neste ano, o Conselho Monetário Nacional (CMN) editou norma que permite dois modelos para fintechs operarem, sem necessidade de parceria com instituição financeira, no mercado de crédito. São a sociedade de crédito direto (SCD) e a sociedade de empréstimo entre pessoas (SEP). No primeiro sistema, as empresas emprestam recursos próprios por meio de plataforma eletrônica. No segundo, empresas ou pessoas físicas entram numa plataforma para emprestar dinheiro a outras pessoas, modalidade conhecida como peer-to-peer lending.

“No caso das fintechs de investimento e de câmbio, ainda é necessária a existência de parceria com uma instituição financeira. Com as cooperativas, ampliamos a possibilidade de parcerias para as fintechs”, destacou Bernardo Pascowitch.

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