--- title: "Febraban TECH 2022: Open Banking, AI, Anti-Fraud Security—Here's Everything That Happened" id: "2026" type: "post" slug: "simpletech-febraban-tech-2022" published_at: "2022-08-16T13:53:29+00:00" modified_at: "2025-12-08T18:23:37+00:00" url: "https://www.simpletech.uy/en/simpletech-febraban-tech-2022/" markdown_url: "https://www.simpletech.uy/en/simpletech-febraban-tech-2022.md" excerpt: "We took part in the region’s most important event in terms of financial innovation. Our CIO shares the key takeaways from the three-day event held in São Paulo, Brazil." taxonomy_category: - "Communications" - "Innovation" taxonomy_post_tag: - "OMNICHANNEL" - "Security" --- ## Febraban TECH 2022 is the region’s most important event for technological innovation in the financial sector. Wherever innovation goes, that’s where we go—which is why Dr. José Luis Horta, CIO at Simpletech, was in São Paulo, Brazil, showcasing some of our implementations and solutions. We learned a great deal during three days of networking and training. In this post, you’ll find out more. **FEBRABAN TECH 2022** Global leaders (such as Amazon, Santander, Deloitte, Itaú, IBM, Microsoft, SAP, and many others) spoke at conferences, panel discussions, and trade shows that showcased the best technologies on the market today. *Participants listening intently to a presentation in the exhibition hall of the São Paulo Biennial.* The days were incredibly enriching. It would be impossible to summarize all the lessons learned in a single article, but we can share the most relevant key takeaways: 👉 **OMNICHANNEL AND OMNIMENTALITY** Developing a 360-degree view of the customer is essential to building seamless journeys that attract and engage consumers in the best possible way through the latest technologies across multiple contact channels—this is one of the objectives of hyperpersonalization. This was made abundantly clear during the panel discussion, which focused on the importance of creating unique, humanized experiences in a scalable way. Experts say there can be no hyperpersonalization without a unified view of the customer. *"And this isn’t just a technological change—difficult and cumbersome. It’s a matter of processes and organization that is fundamental for hyperpersonalization to happen,"* explained Juliana Somenzari, Head of IT at Santander Brazil. Ultimately, what is at stake is the satisfaction of hyper-connected customers, whose loyalty we seek. *"Banking is a basic product, right? Many products are the same. Everyone has loans, cards, and investments. The difference can lie in the experience," said the expert.* *PhD José Luis Horta, CIO at Simpletech, along with our technology partners ID R&D, welcomed interested parties and colleagues at their customized booth.* 👉 **AI: IT IS ADVANCING MUCH FASTER THAN WE THINK** We must evolve, because customers change, behaviors change, and desires change. AI must be an ally in the digital transformation process. Harnessing its benefits and potential must be a priority for companies. This requires incorporating new skills into our workforce—*experience-oriented* skills.* Applying this technology to real-world applications—chatbots, for example—has seen them used as hyper-personalization tools, meeting customers" expectations for personalized service focused on their needs. *"They have to be prepared to meet our customers" demands. There’s a long journey ahead that needs to be driven forward,"* Juliana explained. These conversational bots are living organisms; they were created to replace a person who serves others. This service must be updated and optimized to keep pace with the one constant: change. 👉 **AI and FINANCE: AN UNBEATABLE COMBINATION** Hyperpersonalization requires that the bank communicate relevant and flexible offers to consumers, tailored to their needs and behavioral history with the company. This also involves using AI to efficiently identify, filter, and segment information. *Innovation was the focus not only of the event’s exhibitions and talks but also of the entire infrastructure surrounding it.* *"Customers want simplicity. They want to reach the touchpoint and be informed, for example, that a certain account is about to mature,"* explains Roberto Campos Neto, a Brazilian economist with extensive experience in decision-making roles in the Brazilian banking sector. 👉 **OPEN BANKING AND OPEN FINANCE ADVANCE** Open banking began to be implemented in February 2021 as part of the Central Bank of Brazil’s innovation agenda. The digital world continues to create opportunities. Open finance makes it easier to compare alternatives, helping users identify the best institution for their needs. What is this world of Open Finance all about? It involves sharing user information through third-party channels—with security serving as a barrier to entry—to personalize services and offers. *PhD José Luis Horta, a distinguished representative of the Simpletech team at Febraban TECH 2022.* 👉 **BEST PRACTICES FOR SECURITY AND FRAUD PREVENTION** While security has always been a priority when setting financial technology budgets, its importance is even greater with open banking. During the innovation panel, the number of data breaches and fraud incidents in Brazil was first highlighted, along with the importance of *Pix* (Brazil’s instant payment system, which enables immediate transfers and payments 24 hours a day). In 2021 alone, its usage increased by 1,65%. *"It is necessary to show users that security must be the main pillar of a financial institution,"* said Felipe Penido, Head of Market Research at ID Wall. As a best practice, it is important to adhere to fundamental security measures when accessing users" sensitive data used to verify their identity. This involves verifying who you are, what you have, and what you know. According to research, approximately 95% of document fraud cases are carried out using the user’s photo, so it is impossible to perform this verification without incorporating other unique and unrepeatable factors into the process. This is where the concept of [voice biometrics](https://blog.simpletech.uy/innovacion-2/biometria-de-voz-seguridad-mundo-passwordless/) —something we’ve discussed extensively on this blog and an area in which [we are global pioneers](https://blog.simpletech.uy/success-stories/somos-top-4-en-fintech-futures-awards/) —comes into play. "It is necessary to study the types of fraud occurring in the country, because fraud methods are constantly evolving and improving, and this can only be addressed if the company knows which areas it needs to adjust. Additionally, monitoring customer history can help identify various types of fraud," the panel concluded. This type of authentication factor makes onboarding new customers more agile, secure, and automated. Additionally, it ensures that your operations comply with legislation and reduces the risks of identity fraud. **SIMPLETECH AT FEBRABAN 2022: Conversation and Disruption** Voice biometrics is here to stay. We were the first company in the world to implement voice authentication in WhatsApp Business, and this has caught the attention of companies throughout the region—particularly in São Paulo, where it was a game-changer. ## We’re revolutionizing the world of CX—join the transformation **We can help you with your business needs!** Leave us a message, and our experts will contact you. [Previous Article: What Is WhatsApp Business and the WhatsApp Business API, and How to Use Them in Your Business](https://www.simpletech.uy/en/que-es-whatsapp-business-y-whatsapp-business-api-y-como-usarlos-en-tu-negocio/) [Next Article: Emerging Leadership in Times of Transformation](https://www.simpletech.uy/en/liderazgo-emergente-en-tiempos-de-transformacion/) #### Recent Posts - [Limitations on sending messages in WhatsApp Business: What You Need to Know from Day One](https://www.simpletech.uy/en/limitaciones-en-el-envio-de-mensajes-en-whatsapp-business-lo-que-tienes-que-saber-desde-el-dia-uno/) - [AI agents for times of high demand](https://www.simpletech.uy/en/agentes-de-ia-para-epocas-de-alta-demanda/) - [VoiceBots to transform your phone service with AI](https://www.simpletech.uy/en/voicebots-para-transformar-tu-atencion-telefonica-con-ia/) - [Voice calls on WhatsApp Business: A new way to connect with your customers](https://www.simpletech.uy/en/llamadas-de-voz-en-whatsapp-business-una-nueva-forma-de-conectar-con-tus-clientes/) - [We have achieved the highest standard in security: ISO 27001 Certification](https://www.simpletech.uy/en/alcanzamos-el-maximo-estandar-en-seguridad-certificacion-iso-27001/) ### You may also like [https://www.simpletech.uy/en/simpletech_triunfa_campeonato_febrabantech2024/](https://www.simpletech.uy/en/simpletech_triunfa_campeonato_febrabantech2024/) [Events](https://www.simpletech.uy/en/category/eventos/) , [Innovation](https://www.simpletech.uy/en/category/innovacion/) [Simpletech Triumphs at the FEBRABAN TECH 2024 Fintech ARENA Championship](https://www.simpletech.uy/en/simpletech_triunfa_campeonato_febrabantech2024/) Discover how Simpletech stood out at FEBRABAN TECH 2024, Brazil’s largest fintech event, by winning the prestigious Fintech Pitch championship. 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