Open Finance: Open Financial System, Commentary on Regulation Open Finance is redefining the Brazilian financial sector by fostering greater competition, innovation, and inclusion. The connectivity between financial institutions and consent-based access to consumer data is creating a new paradigm in the relationship between users, banks, and fintechs — with more personalized, efficient, and accessible services. This book offers an in-depth analysis of the evolution of Open Finance in Brazil, from its origins as Open Banking to its consolidation as a broader system, under the coordination of the Central Bank and the National Monetary Council. Based on technical and legal guidelines, the book provides a clear and objective overview of the foundations, implementation phases, regulatory challenges, and impacts of this transformation. Essential reading for financial sector professionals, lawyers, regulators, entrepreneurs, and consumers, the book combines legal rigor with a practical and strategic perspective.
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