{"id":29881,"date":"2021-06-03T21:49:20","date_gmt":"2021-06-03T19:49:20","guid":{"rendered":"https:\/\/www.investglass.com\/?p=29881"},"modified":"2026-04-23T12:58:55","modified_gmt":"2026-04-23T10:58:55","slug":"construindo-seu-futuro-em-que-banco-voce-deve-comecar","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/pt\/building-your-future-what-bank-should-you-start\/","title":{"rendered":"Construindo seu futuro: Em que banco voc\u00ea deve come\u00e7ar?"},"content":{"rendered":"<p>Nunca \u00e9 tarde demais para come\u00e7ar a construir seu futuro, por isso \u00e9 importante ter o parceiro banc\u00e1rio certo. Neste artigo, exploraremos alguns dos aspectos que voc\u00ea deve considerar antes de abrir uma conta banc\u00e1ria.<\/p>\n<p>Distinguimos quatro tipos de novos bancos.<\/p>\n<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-neo-banks-for-saving-account-and-more\">Bancos Neo para contas de poupan\u00e7a e muito mais<\/h2>\n<p>Os neobancos geralmente n\u00e3o t\u00eam licen\u00e7a banc\u00e1ria, mas fazem parcerias com bancos para oferecer servi\u00e7os. Os neobancos exigem que os clientes tenham uma conta existente Eles oferecem uma melhor experi\u00eancia ao usu\u00e1rio. A experi\u00eancia do usu\u00e1rio \u00e9 fundamental para facilitar a abertura de contas. Uma institui\u00e7\u00e3o financeira pode se candidatar para obter uma licen\u00e7a banc\u00e1ria no pa\u00eds e oferecer diferentes tipos de contas. Esses bancos geralmente t\u00eam muito mais recursos do que os neobancos: eles oferecem contas de poupan\u00e7a, servi\u00e7os de conta corrente e empr\u00e9stimos. Voc\u00ea deve saber - <a href=\"https:\/\/www.webank.it\/\">WeBank<\/a> por <a href=\"https:\/\/www.tencent.com\/en-us\/about.html\">Tencent<\/a>, Yolt e Moven s\u00e3o exemplos de neobancos.<\/p>\n<\/p>\n<p><a href=\"https:\/\/www.google.com\">Azaret Metrio Zintos<\/a><\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-new-banks-with-the-whole-old-bank-service-from-saving-money-savings-accounts-to-trading\">Os novos bancos com todo o servi\u00e7o banc\u00e1rio antigo, desde a poupan\u00e7a de dinheiro, contas de poupan\u00e7a at\u00e9 a negocia\u00e7\u00e3o<\/h2>\n<p>Os novos bancos t\u00eam licen\u00e7as banc\u00e1rias completas e oferecem os mesmos servi\u00e7os que os bancos tradicionais. Voc\u00ea encontrar\u00e1 Monzo, N26, MyBank, Starling Bank e Revolut. Eles est\u00e3o lutando para obter independ\u00eancia das estruturas legadas e geralmente fazem parcerias com bancos locais de primeira linha. <a href=\"https:\/\/www.investglass.com\/pt\/as-aplicacoes-transformadoras-da-ia-no-marketing-dos-bancos\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2338\">bancos quando precisam abrir um novo mercado<\/a>. Por exemplo, a Revolut com o Credit Suisse na Su\u00ed\u00e7a. Esses bancos ter\u00e3o que gerenciar as expectativas da autoridade de conduta financeira e da autoridade de regulamenta\u00e7\u00e3o prudencial.<\/p>\n<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-non-bank-account-non-banks\">A \u201cconta n\u00e3o banc\u00e1ria\u201d <strong>N\u00e3o-bancos<\/strong><\/h2>\n<p>Esses bancos n\u00e3o t\u00eam conex\u00f5es com licen\u00e7as banc\u00e1rias tradicionais. Em vez disso, eles fornecer\u00e3o servi\u00e7os financeiros por outros meios. Esse modelo exclusivo permite que a empresa opere de forma independente dos bancos existentes.<\/p>\n<p>Em geral, eles t\u00eam uma TI forte para atender \u00e0 tecnologia de d\u00e9bitos diretos e n\u00e3o oferecem consultoria independente ou produtos financeiros.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-beta-banks-with-savings-account-and-more-beta-banks\">Os bancos Beta - com conta poupan\u00e7a e muito mais <strong>Bancos Beta<\/strong><\/h2>\n<p>Joint ventures e bancos subsidi\u00e1rios que oferecem servi\u00e7os financeiros por meio da licen\u00e7a da matriz. Os bancos beta geralmente s\u00e3o criados como uma forma de entrar em novos mercados. Por exemplo, o AiBank (China'sCITIC Bank Corp e Baidu) e o Simple (Bancorp e BBVA). Esses bancos t\u00eam seu pr\u00f3prio ecossistema conectado com seus novos modelos de neg\u00f3cios de API, nova experi\u00eancia do cliente e oferecem conex\u00f5es com institui\u00e7\u00f5es financeiras de terceiros.<\/p>","protected":false},"excerpt":{"rendered":"<p>It&#8217;s never too late to start building your future, so it is important to get the right banking partner. In this article, we&#8217;ll explore some of the things you should consider before starting a bank account. We distinguish four types of new banks. Neo banks for saving account and more Neo banks usually do not [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29882,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[35,37],"class_list":["post-29881","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-crm-for-banking","tag-neobank"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Create a Neobank: A Beginner&#039;s Guide | InvestGlass<\/title>\n<meta name=\"description\" content=\"Building Your Future: What Bank Should You Start? Start it with InvestGlass built for Neo Banks\" \/>\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\/construindo-seu-futuro-em-que-banco-voce-deve-comecar\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Building Your Future: What Bank Should You Start?\" \/>\n<meta property=\"og:description\" content=\"It&#8217;s never too late to start building your future, so it is important to get the right banking partner. In this article, we&#8217;ll explore some of\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/pt\/construindo-seu-futuro-em-que-banco-voce-deve-comecar\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2021-06-03T19:49:20+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-23T10:58:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/06\/ygbyrofge3c.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\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=\"2 minutos\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Create a Neobank: A Beginner's Guide | InvestGlass","description":"Construindo seu futuro: Que banco voc\u00ea deve abrir? Comece com o InvestGlass desenvolvido para Neo Banks","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\/construindo-seu-futuro-em-que-banco-voce-deve-comecar\/","og_locale":"pt_BR","og_type":"article","og_title":"Building Your Future: What Bank Should You Start?","og_description":"It&#8217;s never too late to start building your future, so it is important to get the right banking partner. In this article, we&#8217;ll explore some of","og_url":"https:\/\/www.investglass.com\/pt\/construindo-seu-futuro-em-que-banco-voce-deve-comecar\/","og_site_name":"InvestGlass","article_published_time":"2021-06-03T19:49:20+00:00","article_modified_time":"2026-04-23T10:58:55+00:00","og_image":[{"width":800,"height":1200,"url":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/06\/ygbyrofge3c.jpg","type":"image\/jpeg"}],"author":"InvestGlass","twitter_card":"summary_large_image","twitter_creator":"@investglass","twitter_site":"@investglass","twitter_misc":{"Escrito por":"InvestGlass","Est. tempo de leitura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/#article","isPartOf":{"@id":"https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/"},"author":{"name":"InvestGlass","@id":"https:\/\/www.investglass.com\/#\/schema\/person\/4682ebae5d718a2ed1b77c9dab0a1f24"},"headline":"Building Your Future: What Bank Should You Start?","datePublished":"2021-06-03T19:49:20+00:00","dateModified":"2026-04-23T10:58:55+00:00","mainEntityOfPage":{"@id":"https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/"},"wordCount":368,"publisher":{"@id":"https:\/\/www.investglass.com\/#organization"},"image":{"@id":"https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/#primaryimage"},"thumbnailUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/06\/ygbyrofge3c.jpg","keywords":["CRM for banking","neobank"],"articleSection":["Article"],"inLanguage":"pt-BR","copyrightYear":"2021","copyrightHolder":{"@id":"https:\/\/www.investglass.com\/pt\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/","url":"https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/","name":"Create a Neobank: A Beginner's Guide | InvestGlass","isPartOf":{"@id":"https:\/\/www.investglass.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/#primaryimage"},"image":{"@id":"https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/#primaryimage"},"thumbnailUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/06\/ygbyrofge3c.jpg","datePublished":"2021-06-03T19:49:20+00:00","dateModified":"2026-04-23T10:58:55+00:00","description":"Construindo seu futuro: Que banco voc\u00ea deve abrir? Comece com o InvestGlass desenvolvido para Neo Banks","breadcrumb":{"@id":"https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/#breadcrumb"},"inLanguage":"pt-BR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/"]}]},{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/#primaryimage","url":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/06\/ygbyrofge3c.jpg","contentUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2021\/06\/ygbyrofge3c.jpg","width":800,"height":1200,"caption":"3 x 3 rubiks cube"},{"@type":"BreadcrumbList","@id":"https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"InvestGlass","item":"https:\/\/www.investglass.com\/"},{"@type":"ListItem","position":2,"name":"Building Your Future: What Bank Should You Start?"}]},{"@type":"WebSite","@id":"https:\/\/www.investglass.com\/#website","url":"https:\/\/www.investglass.com\/","name":"InvestGlass","description":"O CRM Soberano da Su\u00ed\u00e7a","publisher":{"@id":"https:\/\/www.investglass.com\/#organization"},"alternateName":"InvestGlass","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.investglass.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-BR"},{"@type":["Organization","Place"],"@id":"https:\/\/www.investglass.com\/#organization","name":"InvestGlass","url":"https:\/\/www.investglass.com\/","logo":{"@id":"https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/#local-main-organization-logo"},"image":{"@id":"https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/#local-main-organization-logo"},"sameAs":["https:\/\/x.com\/investglass","https:\/\/www.linkedin.com\/company\/investglass\/","https:\/\/www.youtube.com\/channel\/UCt5r5XgzbSq2KhguJQxCwyA"],"telephone":[],"openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday","Saturday","Sunday"],"opens":"09:00","closes":"17:00"}]},{"@type":"Person","@id":"https:\/\/www.investglass.com\/#\/schema\/person\/4682ebae5d718a2ed1b77c9dab0a1f24","name":"InvestGlass","image":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/secure.gravatar.com\/avatar\/8fb928ff37ca45def17ac75d6e799fb75f3f24f123aa31be169bfaf65f59dd40?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8fb928ff37ca45def17ac75d6e799fb75f3f24f123aa31be169bfaf65f59dd40?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8fb928ff37ca45def17ac75d6e799fb75f3f24f123aa31be169bfaf65f59dd40?s=96&d=mm&r=g","caption":"InvestGlass"},"sameAs":["https:\/\/www.investglass.com"],"url":"https:\/\/www.investglass.com\/pt\/author\/axginvestglass-com\/"},{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/www.investglass.com\/building-your-future-what-bank-should-you-start\/#local-main-organization-logo","url":"https:\/\/www.investglass.com\/wp-content\/uploads\/2023\/10\/InvestGlass-blue2.png","contentUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2023\/10\/InvestGlass-blue2.png","width":839,"height":192,"caption":"InvestGlass"}]}},"_links":{"self":[{"href":"https:\/\/www.investglass.com\/pt\/wp-json\/wp\/v2\/posts\/29881","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.investglass.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.investglass.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.investglass.com\/pt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investglass.com\/pt\/wp-json\/wp\/v2\/comments?post=29881"}],"version-history":[{"count":0,"href":"https:\/\/www.investglass.com\/pt\/wp-json\/wp\/v2\/posts\/29881\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investglass.com\/pt\/wp-json\/wp\/v2\/media\/29882"}],"wp:attachment":[{"href":"https:\/\/www.investglass.com\/pt\/wp-json\/wp\/v2\/media?parent=29881"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investglass.com\/pt\/wp-json\/wp\/v2\/categories?post=29881"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investglass.com\/pt\/wp-json\/wp\/v2\/tags?post=29881"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}