{"id":1516,"date":"2025-07-31T02:39:13","date_gmt":"2025-07-31T05:39:13","guid":{"rendered":"https:\/\/staging.portaltela.com\/noticias\/2025\/07\/31\/jpmorgan-decide-monetizar-dados-bancarios-e-intensifica-competicao-com-fintechs\/"},"modified":"2025-07-31T02:39:13","modified_gmt":"2025-07-31T05:39:13","slug":"jpmorgan-decide-monetizar-dados-bancarios-e-intensifica-competicao-com-fintechs","status":"publish","type":"post","link":"http:\/\/18.210.195.80\/noticias\/economia\/2025\/07\/31\/jpmorgan-decide-monetizar-dados-bancarios-e-intensifica-competicao-com-fintechs\/","title":{"rendered":"JPMorgan decide monetizar dados banc\u00e1rios e intensifica competi\u00e7\u00e3o com fintechs"},"content":{"rendered":"

O JPMorgan Chase & Co. anunciou planos para cobrar agregadores de dados financeiros<\/strong> pelo acesso \u00e0s informa\u00e7\u00f5es banc\u00e1rias de seus clientes, gerando pol\u00eamica no setor. A decis\u00e3o ocorre menos de um ano ap\u00f3s a implementa\u00e7\u00e3o da regra de open banking<\/strong> do Consumer Financial Protection Bureau (CFPB), que garante aos consumidores o direito de acessar e compartilhar seus dados sem custos.<\/p>\n

A proposta do banco provocou rea\u00e7\u00f5es imediatas de empresas de tecnologia e organiza\u00e7\u00f5es de consumidores, que alertam que essa cobran\u00e7a pode aumentar os custos operacionais e restringir o acesso a servi\u00e7os financeiros. O JPMorgan defende que a nova abordagem visa compensar os investimentos em infraestrutura e seguran\u00e7a, ressaltando que os dados s\u00e3o frequentemente acessados sem autoriza\u00e7\u00e3o direta dos clientes.<\/p>\n

Impactos no Setor<\/h3>\n

A cobran\u00e7a planejada poder\u00e1 ser repassada a fintechs, impactando diretamente os consumidores finais. Analistas estimam que o impacto financeiro no setor pode chegar a centenas de milh\u00f5es de d\u00f3lares<\/strong>, especialmente para empresas menores que oferecem servi\u00e7os de gest\u00e3o financeira. Atualmente, agregadores como Plaid e MX Technologies j\u00e1 cobram taxas das fintechs para acesso a dados, e o JPMorgan pretende adotar uma estrutura de pre\u00e7os que pode ser at\u00e9 1.000%<\/strong> superior a algumas tarifas atuais.<\/p>\n

Al\u00e9m disso, o banco est\u00e1 em negocia\u00e7\u00f5es com empresas e anunciou uma parceria com a Coinbase para facilitar a conex\u00e3o entre contas banc\u00e1rias e carteiras de criptomoedas. A proposta gerou cr\u00edticas de defensores do consumidor, que comparam o controle de dados banc\u00e1rios ao direito dos pacientes sobre seus registros m\u00e9dicos.<\/p>\n

Rea\u00e7\u00e3o do Setor e Futuro do Open Banking<\/h3>\n

Entidades como a Financial Technology Association e a National Retail Federation enviaram uma carta \u00e0 Casa Branca, solicitando apoio \u00e0s regras de open banking e criticando a postura dos grandes bancos. O CFPB, por sua vez, anunciou que ir\u00e1 reconsiderar a regulamenta\u00e7\u00e3o, o que suspende a regra de open banking por tempo indeterminado. A revis\u00e3o pode levar anos e depender\u00e1 de futuras administra\u00e7\u00f5es, gerando incertezas sobre o futuro do acesso a dados financeiros nos Estados Unidos.<\/p>\n","protected":false},"excerpt":{"rendered":"

    \n
  • O JPMorgan Chase & Co. anunciou que ir\u00e1 cobrar agregadores de dados financeiros pelo acesso \u00e0s informa\u00e7\u00f5es banc\u00e1rias de seus clientes.<\/li>\n
  • A decis\u00e3o gera pol\u00eamica, especialmente ap\u00f3s a implementa\u00e7\u00e3o da regra de open banking do Consumer Financial Protection Bureau (CFPB), que garante acesso gratuito aos dados financeiros.<\/li>\n
  • A cobran\u00e7a pode aumentar os custos operacionais para fintechs e impactar os consumidores finais, com estimativas de impacto financeiro chegando a centenas de milh\u00f5es de d\u00f3lares.<\/li>\n
  • O banco justifica a medida como uma forma de compensar investimentos em infraestrutura e seguran\u00e7a, j\u00e1 que os dados s\u00e3o frequentemente acessados sem autoriza\u00e7\u00e3o dos clientes.<\/li>\n
  • Organiza\u00e7\u00f5es do setor e defensores do consumidor criticam a postura do JPMorgan e solicitam apoio \u00e0s regras de open banking, enquanto o CFPB reconsidera a regulamenta\u00e7\u00e3o, gerando incertezas sobre o futuro do acesso a dados financeiros nos Estados Unidos.<\/li>\n<\/ul>\n","protected":false},"author":15,"featured_media":1535,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"summary":"JPMorgan Chase & Co. planeja cobrar por acesso a dados banc\u00e1rios, gerando preocupa\u00e7\u00f5es sobre custos e acesso a servi\u00e7os financeiros.","footnotes":""},"categories":[41,1],"tags":[87,94,118,86,100,98],"class_list":["post-1516","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-noticias","tag-bigtechs","tag-economia","tag-guerra","tag-internet","tag-noticia","tag-pesquisa"],"yoast_head":"\nJPMorgan decide monetizar dados banc\u00e1rios e intensifica competi\u00e7\u00e3o com fintechs - Portal Tela (STAGING)<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"JPMorgan decide monetizar dados banc\u00e1rios e intensifica competi\u00e7\u00e3o com fintechs\" \/>\n<meta property=\"og:description\" content=\"O JPMorgan Chase & Co. anunciou que ir\u00e1 cobrar agregadores de dados financeiros pelo acesso \u00e0s informa\u00e7\u00f5es banc\u00e1rias de seus clientes. A decis\u00e3o gera pol\u00eamica, especialmente ap\u00f3s a implementa\u00e7\u00e3o da regra de open banking do Consumer Financial Protection Bureau (CFPB), que garante acesso gratuito aos dados financeiros. A cobran\u00e7a pode aumentar os custos operacionais para fintechs e impactar os consumidores finais, com estimativas de impacto financeiro chegando a centenas de milh\u00f5es de d\u00f3lares. O banco justifica a medida como uma forma de compensar investimentos em infraestrutura e seguran\u00e7a, j\u00e1 que os dados s\u00e3o frequentemente acessados sem autoriza\u00e7\u00e3o dos clientes. 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