How technology is redefining the future of finance

Hyper-personalization and intelligent automation are some of the ways technology is redefining the future of finance. Institutions invest in digital innovation to ensure better financial services.

To replace bureaucratic processes with agile services focused on user control without losing security guarantees, transformations include artificial intelligence, blockchain and Open Finance.

Main innovation trends are already part of the Brazilian ecosystem
Technology in finance goes beyond facilitating payments and investments: it changes people's behavior with their money and assets, in addition to transforming families' experience with financial platforms.

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Discover the main fronts:

- Artificial intelligence: AI agents for forecasting expenses, automating investments and improving security are some examples. Far beyond the chatbot, these tools are proactive and allow for various analyzes and automation. One example is Inter's Seven, launched this year.

- Blockchain: digital asset technology enables cryptocurrencies and facilitates transactions without intermediaries, increasing transparency and speed. There are tools and applications that help you invest in this type of application with technology.

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- Open Finance: allows consumers to share their history between different financial institutions to get better rates and personalized services.

- Brazilian ecosystem: cases like Pix and Drex (official digital currency) have redefined the dynamics of payments and the way financial services work in the country.

Personalization of the customer experience is also technology
Hyperpersonalization is an advanced strategy that uses artificial intelligence (AI) and real-time data analysis to create products, services and communications tailored to each customer.

There are platforms of digital financial institutions that have invested in this strategy to ensure customer centricity and optimization of the use of their services. The Inter Super App, for example, does this to offer all products in a few clicks, with an AI agent to facilitate analysis and money management.

Simulations make decisions easier and more informed
Technology in finance also brings tools that facilitate the simulation of services and investments, including for long periods. Discover some possibilities:

- Real estate financing: you can see how much you need to put down based on the purchase price of your home and start evaluating payment options.

- INSS consigned: you say how much you need and receive a credit simulation plus conditions.

- Investments: whether with fixed income, cryptocurrencies or even options for beginners such as piggy banks for emergency reserves, it is possible to compare returns based on how much you can invest.

Investing in digital education prepares for the future
With the rapid advancement of digital innovations, it is interesting to adopt some strategies to prepare for the future of finance and the opportunities that arise with it:

- Master digital tools: start using financial management and planning apps that categorize your expenses, create budget alerts and suggest realistic goals. Bússola, from Inter, is an example.

- Invest in knowledge: there are several platforms and financial institutions that offer articles, videos and complete tutorials on financial education, investments and even how to use their services efficiently.

- Use AI to your advantage: tools can answer questions, simulate scenarios and even perform tasks. Here, it's worth prioritizing artificial intelligence platforms that protect your financial data.

Source: CNN