{"id":102177,"date":"2026-04-03T08:00:53","date_gmt":"2026-04-03T11:00:53","guid":{"rendered":"https:\/\/abes.org.br\/?p=102177"},"modified":"2026-03-19T21:21:15","modified_gmt":"2026-03-20T00:21:15","slug":"eficiencia-em-dados-e-conformidade-despontam-como-pilares-da-rentabilidade-bancaria-em-2026","status":"publish","type":"post","link":"https:\/\/abes.org.br\/en\/eficiencia-em-dados-e-conformidade-despontam-como-pilares-da-rentabilidade-bancaria-em-2026\/","title":{"rendered":"Data efficiency and compliance emerge as cornerstones of banking profitability in 2026."},"content":{"rendered":"<p style=\"text-align: center;\"><em>In a market reshaped by fintechs, Open Finance, and increasing regulation, transforming data into value has become the primary strategic imperative for financial institutions.<\/em><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-102179 aligncenter\" src=\"https:\/\/abes.org.br\/wp-content\/uploads\/2026\/03\/TIVIT-RENTABILIDADE-BANCARIA-1024x370.jpg\" alt=\"\" width=\"584\" height=\"211\" \/><\/p>\n<p><span data-olk-copy-source=\"MessageBody\">The Brazilian financial sector is entering a cycle of technological maturity in which mere &quot;digital presence&quot; has given way to decisional autonomy. For TIVIT, a multinational company of the Almaviva Group and a strategic partner in mission-critical environments, in a scenario of Open Finance and real-time hyper-personalization, the major turning point for 2026 lies not only in the adoption and use of Artificial Intelligence, but also in the structuring of databases and data governance and sovereignty models.<\/span><\/p>\n<p>According to Daniel Calero, Director of Digital Solutions at TIVIT, the institutions that will lead the market in 2026 are those that have overcome their dependence on generic AI models and invested in customized products or solutions capable of processing massive volumes of data with ultra-low latency and full compliance with the resolutions and the new regulatory framework of the Central Bank.<\/p>\n<p>\u201cThe financial market is no longer debating the viability of AI; the challenge now is the sustainability and provenance of the data that fuels decision-making. We are in the era of Industrial AI, in which the infrastructure needs to be invisible to the business, but infallible to regulation,\u201d says Calero. \u201cThe real competitive advantage in 2026 lies in transforming the cloud into a data fortress that guarantees informational sovereignty and predictive agility.\u201d<\/p>\n<p>If between 2021 and 2024 the focus was on the expansion of Open Finance and Pix (Brazil&#039;s instant payment system), 2026 marks the consolidation of Edge Analytics. With over 801 TPF (three percent) of transactions occurring via mobile devices and a highly demanding customer base, the ability to offer personalized credit or detect fraud in milliseconds has become the main capital asset of institutions. In this scenario, TIVIT identifies that banking resilience now rests on the inseparable integration between Data Sovereignty and the Hybrid Cloud, ensuring that critical AI models operate in highly secure and locally compliant environments, which mitigates the risk of technological lock-ins and ensures total control over the data lifecycle.<\/p>\n<p>In highly regulated environments, the adoption of AI transcends operational efficiency to become a risk management imperative. \u201cTechnology doesn&#039;t replace human judgment, it scales it. Machine learning models applied to risk analysis process variables that would be impossible to correlate manually in a timely manner,\u201d adds Calero.<\/p>\n<p>The company projects that institutions that master data orchestration by 2026 will not only reduce their operating costs but will also dictate the pace of innovation in the sector. Operational resilience and proactive compliance have ceased to be objectives of specific areas and have become the core of the sustainable growth strategy in Brazil and Latin America.<\/p>\n<p><b>About TIVIT<\/b><\/p>\n<p>TIVIT is a multinational company that connects technology for a better world. Through its constantly evolving business lines, TIVIT supports companies with cloud solutions (public, hybrid, and private), enabling secure environments with cybersecurity capabilities, developing technologies focused on Artificial Intelligence, and offering services focused on automation and SaaS solutions. Through transformative digital projects, TIVIT impacts millions of people daily. TIVIT is an Almaviva Group company, which is part of a global ecosystem present in 21 countries, with over 45,000 professionals. For more information, visit<a title=\"http:\/\/www.tivit.com\/\" href=\"http:\/\/www.tivit.com\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-auth=\"NotApplicable\" data-linkindex=\"0\">\u00a0www.tivit.com<\/a>\u00a0and follow our<a title=\"https:\/\/www.linkedin.com\/company\/tivit\/\" href=\"https:\/\/www.linkedin.com\/company\/tivit\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-auth=\"NotApplicable\" data-linkindex=\"1\">\u00a0LinkedIn<\/a>\u00a0and<a title=\"https:\/\/www.instagram.com\/tivit_oficial\/\" href=\"https:\/\/www.instagram.com\/tivit_oficial\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-auth=\"NotApplicable\" data-linkindex=\"2\">\u00a0Instagram<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Em um mercado reconfigurado por fintechs, Open Finance e regula\u00e7\u00e3o crescente, transformar dados em valor tornou-se o principal imperativo estrat\u00e9gico das institui\u00e7\u00f5es financeiras O setor financeiro brasileiro ingressa em um ciclo de maturidade tecnol\u00f3gica no qual a simples &#8220;presen\u00e7a digital&#8221; cedeu lugar \u00e0 autonomia decis\u00f3ria. Para a TIVIT, multinacional do Grupo Almaviva e parceira estrat\u00e9gica [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":102180,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[39,19],"tags":[9495,9494,9496],"class_list":["post-102177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-coluna-4","category-ultimas-noticias","tag-eficiencia-em-dados-e-conformidade","tag-pilares-da-rentabilidade-bancaria","tag-solucoes-personalizadas"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Efici\u00eancia em dados e conformidade despontam como pilares da rentabilidade banc\u00e1ria em 2026 - ABES<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/abes.org.br\/en\/eficiencia-em-dados-e-conformidade-despontam-como-pilares-da-rentabilidade-bancaria-em-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Efici\u00eancia em dados e conformidade despontam como pilares da rentabilidade banc\u00e1ria em 2026 - ABES\" \/>\n<meta property=\"og:description\" content=\"Em um mercado reconfigurado por fintechs, Open Finance e regula\u00e7\u00e3o crescente, transformar dados em valor tornou-se o principal imperativo estrat\u00e9gico das institui\u00e7\u00f5es financeiras O setor financeiro brasileiro ingressa em um ciclo de maturidade tecnol\u00f3gica no qual a simples &#8220;presen\u00e7a digital&#8221; cedeu lugar \u00e0 autonomia decis\u00f3ria. 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