{"id":26167,"date":"2022-10-05T19:08:17","date_gmt":"2022-10-05T19:08:17","guid":{"rendered":"https:\/\/building.nubank.com\/building-open-finance-at-nubank-a-view-behind-the-scenes\/"},"modified":"2024-02-21T18:46:09","modified_gmt":"2024-02-21T18:46:09","slug":"implementando-open-finance-no-nubank-uma-visao-dos-bastidores","status":"publish","type":"post","link":"https:\/\/building.nubank.com\/pt-br\/implementando-open-finance-no-nubank-uma-visao-dos-bastidores\/","title":{"rendered":"Implementando Open Finance no Nubank: uma vis\u00e3o dos bastidores\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">No in\u00edcio de setembro, o Nubank anunciou que <a href=\"https:\/\/exame.com\/invest\/minhas-financas\/nubank-adere-ao-open-finance\/\">havia se juntado ao Open Finance<\/a> , um sistema do Banco Central brasileiro que permite que as institui\u00e7\u00f5es compartilhem os dados financeiros dos clientes entre si.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O recurso est\u00e1 dispon\u00edvel para todos os 66 milh\u00f5es de clientes que temos no Brasil. O Open Finance \u00e9 relevante porque permite que os clientes de bancos utilizem seu hist\u00f3rico financeiro para obter as melhores op\u00e7\u00f5es entre todas as institui\u00e7\u00f5es no sistema.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voc\u00ea quer saber mais sobre o Open Finance, como ele afeta a experi\u00eancia do cliente e como o Nubank desenvolveu sua solu\u00e7\u00e3o? Continue lendo esse artigo!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O que \u00e9 o Open Finance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O Open Finance \u00e9 um conceito criado para padronizar o compartilhamento de informa\u00e7\u00f5es de clientes entre institui\u00e7\u00f5es financeiras. Isso \u00e9 feito com seguran\u00e7a por meio de APIs (interfaces de programa\u00e7\u00e3o de aplicativos) nos pr\u00f3prios canais da institui\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ao se unir \u00e0 plataforma Open Finance, o Nubank permite que seus clientes gerenciem suas finan\u00e7as, cr\u00e9dito pessoal e informa\u00e7\u00f5es de conta. Essa iniciativa coloca os <strong>clientes no controle de sua vida financeira<\/strong> e&nbsp;tamb\u00e9m traz muitos benef\u00edcios ao Nubank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Com o Open Finance, o Nubank saber\u00e1 mais sobre o comportamento financeiro de seus clientes, suas necessidades de limite de cr\u00e9dito, despesas e quais produtos e servi\u00e7os eles usam. Isso permitir\u00e1 que o maior banco digital do mundo melhore ainda mais seu portf\u00f3lio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O compartilhamento de dados banc\u00e1rios pelo Nubank, fornecido por meio do Open Finance, seguir\u00e1 todas as diretrizes estabelecidas pela LGPD e ter\u00e1 supervis\u00e3o e regulamenta\u00e7\u00e3o do Banco Central, ao qual apenas institui\u00e7\u00f5es devidamente autorizadas podem aderir. Os clientes tamb\u00e9m t\u00eam controle completo sobre o que desejam compartilhar e podem revogar isso a qualquer momento.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quais s\u00e3o os benef\u00edcios do Open Finance?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>O cliente decide por conta pr\u00f3pria quais dados podem ser compartilhados com outras institui\u00e7\u00f5es financeiras e por quanto tempo.<\/li>\n\n\n\n<li>Isso \u00e9 poss\u00edvel por meio de uma interface de programa\u00e7\u00e3o de aplicativos (API) \u2013 uma tecnologia que permite que plataformas diferentes se comuniquem umas com as outras.<\/li>\n\n\n\n<li>Os clientes t\u00eam a liberdade de reunir seu hist\u00f3rico financeiro e lev\u00e1-lo para onde quiserem.<\/li>\n\n\n\n<li>Os clientes n\u00e3o precisam iniciar um relacionamento com uma nova institui\u00e7\u00e3o financeira do zero.<\/li>\n\n\n\n<li><strong>O sistema financeiro torna-se mais transparente e livre.&nbsp;<\/strong><\/li>\n\n\n\n<li>Em \u00faltima an\u00e1lise, isso gera produtos e condi\u00e7\u00f5es melhores, gra\u00e7as ao aumento da competi\u00e7\u00e3o entre as institui\u00e7\u00f5es.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Como o Nubank desenvolveu sua solu\u00e7\u00e3o Open Finance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No Open Finance, v\u00e1rios grupos de trabalho com participantes de diferentes institui\u00e7\u00f5es trabalham para criar padr\u00f5es para abordar tudo, da <a href=\"https:\/\/building.nubank.com\/matt-swann-how-to-create-a-security-strategy-based-on-customers-trust\/\">seguran\u00e7a<\/a> \u00e0 <a href=\"https:\/\/building.nubank.com\/designing-a-multi-product-experience\/\">usabilidade<\/a>. Uma opera\u00e7\u00e3o como essa envolve um <strong>complexo trabalho de gerenciamento de partes interessadas<\/strong>. N\u00f3s tivemos que interagir com v\u00e1rias institui\u00e7\u00f5es financeiras para solucionar os problemas que encontramos pelo caminho, diferentemente do processo de implementa\u00e7\u00e3o do Pix, em que todas as nossas integra\u00e7\u00f5es s\u00e3o com o Banco Central do Brasil, a \u00fanica parte interessada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>O Nubank tem ferramentas robustas para criar aplicativos<\/strong>. Aqui, temos solu\u00e7\u00f5es de monitoramento, pipelines CI\/CD e rastreamento distribu\u00eddo, que s\u00e3o pr\u00e9-configurados para qualquer nova aplica\u00e7\u00e3o que criarmos. Isso tudo acelerou e sempre acelera o nosso processo de desenvolvimento. E al\u00e9m disso, <a href=\"https:\/\/building.nubank.com\/matt-swann-people-at-the-center-of-the-strategy-the-first-step-to-innovation\/\">tamb\u00e9m temos muita autonomia<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enquanto desenvolv\u00edamos a nossa solu\u00e7\u00e3o Open Finance, tivemos que lidar com ferramentas que n\u00e3o est\u00e1vamos acostumados a usar diariamente. Como a comunica\u00e7\u00e3o com outras institui\u00e7\u00f5es depende do mTLS, escolhemos usar o NGINX para cuidar disso, expandindo a infraestrutura Kubernetes compartilhada que temos no Nubank. Toda vez que temos que tomar uma decis\u00e3o importante como essa, usamos um processo de RFC (Pedido de Coment\u00e1rios) em que explicamos o desafio que estamos enfrentando e o racioc\u00ednio por tr\u00e1s da nossa decis\u00e3o. A partir disso coletamos opini\u00f5es de diferentes engenheiros e outros especialistas para que possamos tomar a melhor e mais informada decis\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Todas essas ferramentas e processos que j\u00e1 temos implementados tornam a <strong>implanta\u00e7\u00e3o de novas APIs extremamente r\u00e1pida e eficiente<\/strong>, com monitoramento detalhado pronto para uso.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quais op\u00e7\u00f5es t\u00e9cnicas inteligentes diferenciaram o Nubank no processo de desenvolvimento?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Durante a cria\u00e7\u00e3o das solu\u00e7\u00f5es Open Finance, nossa equipe cresceu mais de 100%. Gra\u00e7as ao uso de <a href=\"https:\/\/building.nubank.com\/nubanks-engineering-principles-interview-with-co-founder-ed-wible\/\">pr\u00e1ticas de engenharia de software<\/a>, como programa\u00e7\u00e3o em pares e documenta\u00e7\u00e3o extensiva, pudemos integrar todos esses engenheiros em tempo recorde.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Usamos modelos C4 e ADRs (registros de decis\u00f5es de arquitetura) para todas as nossas decis\u00f5es de arquitetura relevantes. Isso garantiu que todos na equipe entendessem claramente como as solu\u00e7\u00f5es se conectavam e por que foram designadas de tal forma.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Isso ajudou a evitar problemas que outras institui\u00e7\u00f5es tiveram no in\u00edcio. Em menos de um dia, conseguimos solucionar situa\u00e7\u00f5es problem\u00e1ticas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nossa estrutura \u00e9 a nossa maior vantagem<\/strong>. Aqui, falamos com engenheiros de outras equipes com facilidade e conseguimos combinar detalhes rapidamente. Quando come\u00e7amos a produzir alguma coisa, temos acesso a muitas m\u00e9tricas e par\u00e2metros que nos ajudam a <a href=\"https:\/\/building.nubank.com\/beyond-prediction-machines\/\">verificar comportamentos e fazer previs\u00f5es<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quais problemas t\u00e9cnicos o Nubank solucionou?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <a href=\"https:\/\/building.nubank.com\/data-quality-governance\/\">visualiza\u00e7\u00e3o de dados<\/a> foi um grande problema dentro e fora das institui\u00e7\u00f5es. Com o Open Finance, podemos visualizar dados do sistema banc\u00e1rio como um todo. Podemos atualizar muitos dados de outras institui\u00e7\u00f5es diariamente, com uma taxa de atualiza\u00e7\u00e3o enorme. Essa atualiza\u00e7\u00e3o dos dados nos ajuda a tomar as <a href=\"https:\/\/building.nubank.com\/real-time-machine-learning-models-in-real-life\/\">melhores decis\u00f5es em tempo real<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>N\u00f3s tamb\u00e9m funcionamos inteiramente na nuvem<\/strong>. Quando voc\u00ea trabalha em um parque t\u00e9cnico fixo, h\u00e1 um limite que n\u00e3o pode ser excedido. Isso n\u00e3o acontece com a nuvem. N\u00f3s podemos <a href=\"https:\/\/building.nubank.com\/scaling-with-flutter\/\">escalar servi\u00e7os<\/a>, atender a novas solicita\u00e7\u00f5es e manter a qualidade do servi\u00e7o. N\u00f3s tamb\u00e9m otimizamos os custos, pois isso nos permite escalar as opera\u00e7\u00f5es conforme necess\u00e1rio. Temos processos que usam intelig\u00eancia artificial para garantir que temos o melhor dimensionamento da infraestrutura.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nossa abordagem \u00e0 regulamenta\u00e7\u00e3o da LGPD tamb\u00e9m \u00e9 interessante: se marcarmos certos dados como confidenciais, eles ser\u00e3o automaticamente encobertos quando os registrarmos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uma vez que est\u00e1vamos operando em produ\u00e7\u00e3o com outras institui\u00e7\u00f5es, sab\u00edamos que s\u00f3 ter\u00edamos uma chance de testar alguns comportamentos espec\u00edficos. Com a ajuda de <strong>conte\u00fado orientado por backend<\/strong>, pudemos fazer altera\u00e7\u00f5es em tempo recorde e envi\u00e1-las para todos os usu\u00e1rios sem ter que lan\u00e7ar uma nova vers\u00e3o do aplicativo nas lojas digitais.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">M\u00e9tricas, t\u00e9cnicas, par\u00e2metros e ferramentas que orientaram o Nubank<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Conforme o Nubank opera em v\u00e1rios pa\u00edses, sempre buscamos desenvolver solu\u00e7\u00f5es que permitam a cria\u00e7\u00e3o de novos produtos. N\u00f3s temos plataformas com diferentes finalidades: algumas ativam solu\u00e7\u00f5es para m\u00faltiplos pa\u00edses, e outras solucionam problemas de dom\u00ednios espec\u00edficos, como pagamentos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nossa grande vantagem para o Open Finance \u00e9 o fornecimento de uma vis\u00e3o centralizada dos nossos clientes, disponibilizando os dados de forma segura e eficaz. Nossa opera\u00e7\u00e3o \u00e9 suportada por ferramentas de monitoramento que garantem que sejamos notificados assim que um problema ocorrer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A cada semana, duas pessoas s\u00e3o designadas como pontos focais para esses alertas que recebemos. Em opera\u00e7\u00e3o, n\u00f3s coletamos m\u00e9tricas de infraestrutura, como o n\u00famero de solicita\u00e7\u00f5es, tempo de resposta, uso de mem\u00f3ria e CPU e m\u00e9tricas da experi\u00eancia do usu\u00e1rio final do nosso aplicativo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/building.nubank.com\/distributing-the-data-team-to-boost-innovation-reliably\/\">Essa infraestrutura \u00e9 mantida pela equipe de Confiabilidade<\/a> e suportada pelos <a href=\"https:\/\/building.nubank.com\/nubank-data-analysts-are-now-called-analytics-engineers\/\">Engenheiros Anal\u00edticos<\/a> e Analistas de Neg\u00f3cios. Isso nos d\u00e1 uma vis\u00e3o global da integridade dos nossos sistemas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No Nubank, n\u00f3s somos respons\u00e1veis pelos aplicativos que desenvolvemos, desde a concep\u00e7\u00e3o at\u00e9 a opera\u00e7\u00e3o dos sistemas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O Nubank se juntou ao Open Finance, um sistema do Banco Central que permite que os clientes compartilhem seus dados de uma institui\u00e7\u00e3o com outras, de forma eficiente e segura, entre outras aplica\u00e7\u00f5es.<\/p>\n","protected":false},"author":178110156,"featured_media":24514,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2514],"tags":[2793,2794,2792,2498],"class_list":["post-26167","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-building-stories-pt-br","tag-api-pt-br","tag-c4-modeling-pt-br","tag-reliability-pt-br","tag-software-engineering-pt-br"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - 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