Interviewees
| No. | Organisation type | Description of organisation | Role of interviewee |
|---|---|---|---|
| 1 | Government | BACEN is the leading authority overseeing the implementation of open finance in Brazil | Senior adviser – open finance |
| 2 | Law firm | Brazilian law firm with a strong reputation in banking, finance and fintech regulation | Partner – financial services |
| 3 | Law firm | Highly regarded for its work in banking law, payment systems, project finance and financial regulation | Lawyer – banking and finance |
| 4 | Consulting company | A Brazilian boutique advisory firm that specialises in financial innovation, fintech strategy and open-finance ecosystem development | Financial innovation expert |
| 5 | Consulting company | A consultant with extensive experience in payments, digital banking and open finance who has held institutional leadership roles | Fintech expert |
| 6 | Fintech company | A São Paulo-based fintech providing automated banking APIs, payment solutions and financial data services for companies | Regulatory affairs |
| 7 | Non-profit organisation | A non-profit organisation supporting financial innovation and education in collaboration with the Central Bank of Brazil | Mentor – Fintech acceleration program |
| 8 | Law firm | A São Paulo-based legal firm recognised for its expertise in banking law, payment systems, foreign exchange, crypto assets and open-finance regulation | Lawyer – banking and finance |
| 9 | Financial institution | An investment bank offering services in M&A advisory, capital markets and structured finance, with a strong focus on the technology and fintech sectors | Vice president, investment banking – tech coverage |
| 10 | Fintech company | A São Paulo-based startup using AI, data analytics and financial modelling to improve access to credit in Brazil’s agricultural sector | Chief business officer |
| 11 | Technological provider | A company specialising in open-finance architecture, cloud migration and digital business automation | Open finance solution architect |
| 12 | Big Tech | A multinational platform operating at the intersection of digital infrastructure, data ecosystems and financial innovation | Payments officer |
| 13 | Non-profit organisation | A non-profit organisation supporting financial innovation and education in collaboration with the Central Bank of Brazil | Head of innovation projects |
| 14 | Government | Brazil’s Ministry of Finance | Program director |
| 15 | Law firm | A São Paulo-based legal firm recognised for its expertise in banking law, payment systems, foreign exchange, crypto assets and open-finance regulation | Fintech lawyer |
| 16 | Non-profit association | A non-profit representing payment transaction initiators in Brazil’s open-finance ecosystem | Director |
| 17 | Fintech company | A global provider of digital financial infrastructure specialising in cross-border payment flows, regulatory interoperability and consent-based data exchange within open-finance ecosystems | Latin America – legal counsel |
| 18 | Financial institution | One of Brazil’s largest privately held financial institutions, offering retail, corporate and investment banking services | Product specialist – open finance |
| 19 | Fintech consultant | A global fintech consultant, entrepreneur and thought leader specialising in digital identity, open finance and data ecosystems | Fintech expert |
| 20 | Consulting company | A global consulting and technology firm specialising in digital transformation | Head of financial services, Brazil |
| 21 | Government | Non-profit organisation that supports financial innovation and education in collaboration with the Central Bank of Brazil | Sustainable finance expert |
| 22 | Fintech company | A Brazilian startup specialising in open-finance data intelligence, credit risk reduction and financial inclusion | Co-founder and CEO |
| 23 | Fintech company | A fintech helping users navigate their financial lives through open-finance, AI and data-driven tools | Chief product officer |
| No. | Organisation type | Description of organisation | Role of interviewee |
|---|---|---|---|
| 1 | Government | Senior adviser – open finance | |
| 2 | Law firm | Brazilian law firm with a strong reputation in banking, finance and fintech regulation | Partner – financial services |
| 3 | Law firm | Highly regarded for its work in banking law, payment systems, project finance and financial regulation | Lawyer – banking and finance |
| 4 | Consulting company | A Brazilian boutique advisory firm that specialises in financial innovation, fintech strategy and open-finance ecosystem development | Financial innovation expert |
| 5 | Consulting company | A consultant with extensive experience in payments, digital banking and open finance who has held institutional leadership roles | Fintech expert |
| 6 | Fintech company | A São Paulo-based fintech providing automated banking | Regulatory affairs |
| 7 | Non-profit organisation | A non-profit organisation supporting financial innovation and education in collaboration with the Central Bank of Brazil | Mentor – Fintech acceleration program |
| 8 | Law firm | A São Paulo-based legal firm recognised for its expertise in banking law, payment systems, foreign exchange, crypto assets and open-finance regulation | Lawyer – banking and finance |
| 9 | Financial institution | An investment bank offering services in M&A advisory, capital markets and structured finance, with a strong focus on the technology and fintech sectors | Vice president, investment banking – tech coverage |
| 10 | Fintech company | A São Paulo-based startup using | Chief business officer |
| 11 | Technological provider | A company specialising in open-finance architecture, cloud migration and digital business automation | Open finance solution architect |
| 12 | Big Tech | A multinational platform operating at the intersection of digital infrastructure, data ecosystems and financial innovation | Payments officer |
| 13 | Non-profit organisation | A non-profit organisation supporting financial innovation and education in collaboration with the Central Bank of Brazil | Head of innovation projects |
| 14 | Government | Brazil’s Ministry of Finance | Program director |
| 15 | Law firm | A São Paulo-based legal firm recognised for its expertise in banking law, payment systems, foreign exchange, crypto assets and open-finance regulation | Fintech lawyer |
| 16 | Non-profit association | A non-profit representing payment transaction initiators in Brazil’s open-finance ecosystem | Director |
| 17 | Fintech company | A global provider of digital financial infrastructure specialising in cross-border payment flows, regulatory interoperability and consent-based data exchange within open-finance ecosystems | Latin America – legal counsel |
| 18 | Financial institution | One of Brazil’s largest privately held financial institutions, offering retail, corporate and investment banking services | Product specialist – open finance |
| 19 | Fintech consultant | A global fintech consultant, entrepreneur and thought leader specialising in digital identity, open finance and data ecosystems | Fintech expert |
| 20 | Consulting company | A global consulting and technology firm specialising in digital transformation | Head of financial services, Brazil |
| 21 | Government | Non-profit organisation that supports financial innovation and education in collaboration with the Central Bank of Brazil | Sustainable finance expert |
| 22 | Fintech company | A Brazilian startup specialising in open-finance data intelligence, credit risk reduction and financial inclusion | Co-founder and CEO |
| 23 | Fintech company | A fintech helping users navigate their financial lives through open-finance, | Chief product officer |
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