{"id":29123,"date":"2021-05-16T21:38:18","date_gmt":"2021-05-16T19:38:18","guid":{"rendered":"https:\/\/www.investglass.com\/?p=29123"},"modified":"2025-10-28T11:33:08","modified_gmt":"2025-10-28T10:33:08","slug":"e-melhor-construir-ou-comprar-um-banco-na-suica","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/pt\/is-it-better-to-build-or-buy-a-bank-in-switzerland\/","title":{"rendered":"\u00c9 melhor construir ou comprar um banco na Su\u00ed\u00e7a?"},"content":{"rendered":"

Recentemente, colaboramos com grupos que est\u00e3o querendo comprar um banco. Qual \u00e9 a minha opini\u00e3o sobre os pr\u00f3s e contras de solicitar uma licen\u00e7a em vez de comprar uma empresa regulamentada?<\/p>\n\n\n\n

A aquisi\u00e7\u00e3o de uma entidade regulamentada pode apresentar desafios significativos, principalmente devido \u00e0 poss\u00edvel heran\u00e7a de responsabilidades e obriga\u00e7\u00f5es existentes. Esses desafios podem incluir a reten\u00e7\u00e3o de funcion\u00e1rios que podem n\u00e3o estar alinhados com a vis\u00e3o da nova ger\u00eancia, lidar com membros da diretoria cuja reputa\u00e7\u00e3o pode ser complexa e gerenciar contas de clientes com um Know Your Customer (KYC<\/strong>).<\/p>\n\n\n\n

\u00a0Esses problemas herdados podem levar a maiores riscos de conformidade e inefici\u00eancias operacionais. Por exemplo, processos KYC inadequados podem expor a empresa adquirente a penalidades regulat\u00f3rias e danos \u00e0 reputa\u00e7\u00e3o. Portanto, a realiza\u00e7\u00e3o de uma due diligence completa \u00e9 essencial para identificar e mitigar esses riscos potenciais<\/a> antes de finalizar a aquisi\u00e7\u00e3o.<\/p>\n\n\n\n

Normalmente, os bancos e gerentes de ativos existentes tamb\u00e9m t\u00eam fornecedores com solu\u00e7\u00f5es depreciadas e a migra\u00e7\u00e3o pode se tornar um pesadelo.<\/p>\n\n\n\n

\"Barco
Construir um banco na Su\u00ed\u00e7a<\/figcaption><\/figure>\n\n\n\n

A vantagem de comprar uma empresa licenciada \u00e9 que voc\u00ea talvez <\/strong>economizar tempo. Voc\u00ea tamb\u00e9m pode considerar o desenvolvimento de neg\u00f3cios existentes com novos princ\u00edpios e servi\u00e7os, como o bitcoin.<\/p>\n\n\n\n

Obviamente, isso \u00e9 interessante se eles tiverem uma ferramenta de CRM ou de gerenciamento de relacionamento com o cliente adequadamente gerenciada. Voc\u00ea precisa ler o CRM e PMS<\/a> trilha de auditoria primeiro.<\/p>\n\n\n\n

Se voc\u00ea optar pelo cen\u00e1rio de aquisi\u00e7\u00e3o e quiser comprar uma empresa, talvez tenha que formar uma nova equipe e, com a regulamenta\u00e7\u00e3o su\u00ed\u00e7a... profissionais locais altamente qualificados e caros. Tamb\u00e9m ser\u00e1 necess\u00e1rio solicitar a aprova\u00e7\u00e3o oficial para a mudan\u00e7a de controle. Isso significa que o \u00f3rg\u00e3o regulador tamb\u00e9m deve aprovar os novos propriet\u00e1rios. O novo conselho de administra\u00e7\u00e3o deve ser composto por membros de alta reputa\u00e7\u00e3o.<\/p>\n\n\n\n

O \u00f3rg\u00e3o regulador tamb\u00e9m pode lhe perguntar qual \u00e9 o novo modelo de neg\u00f3cios e como ele melhorar\u00e1 a situa\u00e7\u00e3o atual.<\/p>\n\n\n\n

Quando voc\u00ea inicia esse novo banco, tamb\u00e9m \u00e9 muito prov\u00e1vel que o foco seja importante nas entradas do banco. Toda vez que uma parte interessada fizer qualquer tipo de entrada ou sa\u00edda, \u00e9 necess\u00e1rio impor uma forte vigil\u00e2ncia.<\/p>\n\n\n\n

A complexidade desse processo est\u00e1 realmente funcionando bem, mas precisa de atualiza\u00e7\u00f5es regularmente. N\u00e3o poder\u00edamos aconselh\u00e1-lo melhor do que usar as ferramentas de remedia\u00e7\u00e3o da InvestGlass para integra\u00e7\u00e3o complexa e monitoramento cont\u00ednuo. O objetivo \u00e9 demonstrar aos auditores, a qualquer momento, que a devida dilig\u00eancia, bem como as verifica\u00e7\u00f5es de AML, LBA, san\u00e7\u00f5es e comprova\u00e7\u00e3o de fundos, foram realizadas com precis\u00e3o. <\/p>\n\n\n\n

\u00c9 melhor comprar ou construir?<\/h2>\n\n\n\n

Se for para adicionar outro acionista e n\u00e3o mudar as opera\u00e7\u00f5es de neg\u00f3cios em uma estrutura existente, definitivamente \u00e9 melhor comprar.<\/p>\n\n\n\n

Agora, se voc\u00ea tiver que mudar todo mundo na diretoria, nas opera\u00e7\u00f5es e no software PMS, talvez seja melhor come\u00e7ar algo do zero e solicitar sua pr\u00f3pria licen\u00e7a. Esse pode ser o momento certo para implementar uma ferramenta para a integra\u00e7\u00e3o gamificada e melhorada do SRI ESG - para a pr\u00f3xima gera\u00e7\u00e3o. <\/p>\n\n\n\n

E voc\u00ea, compraria ou construiria? <\/p>","protected":false},"excerpt":{"rendered":"

We recently collaborated with groups that are looking to buy a bank. What are my thoughts about the pros and cons of applying for a license versus buying a regulated company? \u200bAcquiring a regulated entity can present significant challenges, primarily due to the potential inheritance of existing liabilities and obligations.\u00a0These may include retaining employees who […]<\/p>\n","protected":false},"author":1,"featured_media":29124,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[388],"class_list":["post-29123","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-build-or-buy-a-bank"],"yoast_head":"\nIs it Better to Build or Buy a Bank in Switzerland? | InvestGlass<\/title>\n<meta name=\"description\" content=\"Understand whether building or buying a bank in Switzerland is the best strategy for your financial goals.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/pt\/e-melhor-construir-ou-comprar-um-banco-na-suica\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is it Better to Build or Buy a Bank in Switzerland?\" \/>\n<meta property=\"og:description\" content=\"We recently collaborated with groups that are looking to buy a bank. What are my thoughts about the pros and cons of applying for a license versus buying\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/pt\/e-melhor-construir-ou-comprar-um-banco-na-suica\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-16T19:38:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-28T10:33:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/05\/6m0iejchhhk.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1079\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"InvestGlass\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@investglass\" \/>\n<meta name=\"twitter:site\" content=\"@investglass\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"InvestGlass\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u00c9 melhor construir ou comprar um banco na Su\u00ed\u00e7a? | InvestGlass","description":"Entenda se construir ou comprar um banco na Su\u00ed\u00e7a \u00e9 a melhor estrat\u00e9gia para suas metas financeiras.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.investglass.com\/pt\/e-melhor-construir-ou-comprar-um-banco-na-suica\/","og_locale":"pt_BR","og_type":"article","og_title":"Is it Better to Build or Buy a Bank in Switzerland?","og_description":"We recently collaborated with groups that are looking to buy a bank. 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