{"id":254,"date":"2021-04-18T10:20:42","date_gmt":"2021-04-18T10:20:42","guid":{"rendered":"https:\/\/b-brave.it\/?p=254"},"modified":"2023-04-11T17:03:07","modified_gmt":"2023-04-11T15:03:07","slug":"fintech","status":"publish","type":"post","link":"https:\/\/b-brave.it\/it\/fintech\/","title":{"rendered":"FINTECH"},"content":{"rendered":"<p style=\"text-align: left;\"><strong>Fintech<\/strong> &#8211; \u00c8 la contrazione di \u201cfinancial technology\u201d, ovvero tecnologia finanziaria tradotto in italiano. Si tratta genericamente del processo di innovazione tecnologica che sta rivoluzionando ii mondo della finanza. Il termine fintech si applica a vari ambiti:\u2009dalla sicurezza informatica, alla blockchain che ingloba anche le criptovalute, passando per gli algoritmi applicati alla consulenza finanziaria, virando sul sistema dei pagamenti oppure la cosiddetta open banking.<\/p>\n<h2>Open Banking, Open Finance e competizione finanziaria allargata<\/h2>\n<p>I servizi finanziari evolvono e le nuove normative (la\u00a0<strong>PSD2<\/strong>\u00a0su tutte) introducono\u00a0<strong>un nuovo modo di fare banca<\/strong>, pi\u00f9 semplice e accessibile. \u00c8 qui che l\u2019<strong>Open Banking<\/strong>\u00a0si allarga verso il\u00a0<strong>concetto pi\u00f9 olistico di Open Finance<\/strong>, espressione coniata dall\u2019Osservatorio Fintech &amp; Insurtech. Nell\u2019idea di Open Finance i servizi finanziari sono trattati indipendentemente dall\u2019attore che li sta proponendo. Non solo\u00a0<strong>banche e attori tradizionali<\/strong>, dunque, ma anche\u00a0<strong>startup<\/strong>,\u00a0<strong>bigtech<\/strong>,\u00a0<strong>automotive<\/strong>,\u00a0<strong>retail<\/strong>\u00a0e chiunque si proponga nel mondo finanziario. Uno dei principali fini della PSD2, d\u2019altronde, \u00e8 proprio di quello di\u00a0facilitare e incentivare la competizione nel settore finanziario.<\/p>\n<p>L&#8217;Open Banking \u00e8 il nuovo paradigma secondo cui le informazioni e le transazioni finanziarie devono poter essere fruite dai clienti liberamente senza i vincoli che ad oggi sussistono. Un paradigma che sta cambiando le logiche competitive tra banche e societ\u00e0 finanziarie-assicurative, ma che riguarda un po\u2019 tutti noi, nel modo di gestire i risparmi, i mutui o prestiti, e spendere i soldi nella vita di tutti i giorni.<\/p>\n<p>L\u2019Open Finance \u00e8 l\u2019innovazione aperta applicata al settore finanziario e assicurativo, che ha l\u2019obiettivo di catturare tutte le opportunit\u00e0 di business derivanti dal ricorso a risorse (idee, competenze, dati, ecc.) esterne all\u2019azienda. \u00c8 un concetto olistico, che parte dall\u2019idea di Open Banking, e da questa si evolve per abbracciare e includere anche attori meno tradizionali.<\/p>\n<p><a href=\"https:\/\/blog.osservatori.net\/it_it\/fintech-significato\" target=\"_blank\" rel=\"noopener\">Fonte Blog Osservatori\u00a0<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Fintech &#8211; \u00c8 la contrazione di \u201cfinancial technology\u201d, ovvero tecnologia finanziaria tradotto in italiano. Si tratta genericamente del processo di innovazione tecnologica che sta rivoluzionando ii mondo della finanza. Il [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2456,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-254","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FINTECH - B-Brave<\/title>\n<meta name=\"description\" content=\"B-Brave FINTECH\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/b-brave.it\/it\/fintech\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FINTECH - B-Brave\" \/>\n<meta property=\"og:description\" content=\"B-Brave FINTECH\" \/>\n<meta property=\"og:url\" content=\"https:\/\/b-brave.it\/it\/fintech\/\" \/>\n<meta property=\"og:site_name\" content=\"B-Brave\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bbravelecce\" \/>\n<meta property=\"article:published_time\" content=\"2021-04-18T10:20:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-04-11T15:03:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/b-brave.it\/wp-content\/uploads\/2021\/04\/istockphoto-1327603039-612x612-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"612\" \/>\n\t<meta property=\"og:image:height\" content=\"347\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Redazione B-Brave\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scritto da\" \/>\n\t<meta name=\"twitter:data1\" content=\"Redazione B-Brave\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tempo di lettura stimato\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuti\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/b-brave.it\/fintech\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/b-brave.it\/fintech\/\"},\"author\":{\"name\":\"Redazione B-Brave\",\"@id\":\"https:\/\/b-brave.it\/#\/schema\/person\/f0df489bcf69dd2f3e13a6fab906d32b\"},\"headline\":\"FINTECH\",\"datePublished\":\"2021-04-18T10:20:42+00:00\",\"dateModified\":\"2023-04-11T15:03:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/b-brave.it\/fintech\/\"},\"wordCount\":304,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/b-brave.it\/#organization\"},\"image\":{\"@id\":\"https:\/\/b-brave.it\/fintech\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/b-brave.it\/wp-content\/uploads\/2021\/04\/istockphoto-1327603039-612x612-1.jpg\",\"articleSection\":[\"Articles\"],\"inLanguage\":\"it-IT\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/b-brave.it\/fintech\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/b-brave.it\/fintech\/\",\"url\":\"https:\/\/b-brave.it\/fintech\/\",\"name\":\"FINTECH - 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