tag:blogger.com,1999:blog-190930102024-03-05T07:11:13.955-03:00SERFINCONotícias sobre Meios Eletrônicos de Pagamento, no Brasil e no Mundo, reunidas em um só lugar.Unknownnoreply@blogger.comBlogger3998125tag:blogger.com,1999:blog-19093010.post-42449693374517201272012-04-10T21:28:00.001-03:002012-04-10T21:28:36.151-03:00MASTERCARD AVALIA SE ADERE AO NFC<!--[if gte mso 9]><xml>
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portal Executivos Financeiros 16/03/2012</div>
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A tecnologia NFC deve se desenolver ainda este ano. No
entanto, a MasterCard continua avaliando se ingressa na nova tecnologia de
pagamentos. Durante uma entrevista para a Fast Company no final de janeiro, o
diretor de Pagamentos da MasterCard, Ed McLaughllin, afirmou que estamos
avançando rapidamente para um mundo mais além do plástico. Para ele, em muitos
casos, o plástico é só uma embalagem.</div>
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<br /></div>
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Ed McLaughllin disse ainda que a MasterCard tem refletido
sobre a lenta e limitada adoção e disponibilidade desta tecnologia, que apesar
de estar presente em uma série de dispositivos Android, não parece ter o
impacto suficiente no mercado móvel. Para a MasterCard isto poderia mudar com a
chegada de um iPhone equipado com alguma solução de pagamentos móveis.</div>
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<br /></div>
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O site Celularis lembra que a Apple revolucionou o mercado
da música ao criar o iTunes. Se a Apple desse um empurrão ao NFC, esse mercado
poderia deslanchar, observa o site.</div>
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De acordo com o Celularis não é a primeira vez que se fala
em incorporar chips NFC em dispositivos móveis da Apple. Essa tecnologia era
aguardada para ser incorporada no iPhone 4S, o que acabou não acontecendo.
Segundo o Celularis tudo aponta que em Cupertino (Vale do Silício, EUA) alguns
já pensam em unir-se e estariam desenvolvendo o suporte desta tecnologia para a
próxima geração do iPhone.</div>
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A estratégia é a de sempre. Não implementar novas
tecnologias sem estar antes aprovadas e mediante um ecossistema ao redor para
que as novas tecnologias funcionem corretamente.</div>Unknownnoreply@blogger.com4tag:blogger.com,1999:blog-19093010.post-6169061187700786692012-04-10T21:23:00.002-03:002012-04-10T21:23:46.198-03:00VISA QUER NFC "EM PLENA OPERAÇÃO" ANTES DA COPA DO MUNDO NO BRASIL<!--[if gte mso 9]><xml>
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portal TI Inside 16/03/2012 - Guilherme Sorgine</div>
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A Visa atua em duas frentes para capitalizar o enorme
potencial do mercado de m-payments do Brasil, tendo em vista os grandes eventos
que serão realizados no país nos próximos anos. As apostas da empresa são duas:
por um lado, o lançamento do Visa PayWave, solução de pagamentos por
proximidade, através de smartphones equipados com tecnologia NFC; por outro, a
ampliação do mercado de recargas de celulares pré-pagos e micropagamentos.</div>
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<br /></div>
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A implementação da tecnologia NFC no Brasil é o ponto
culminante de um mapa de trabalho que já vem sendo implementado pela empresa
que começou com a adoção de cartões de tarja, evoluiu para os cartões com chip
e senha (que já são mais de 100 milhões no Brasil) e chega hoje no sistema de
compras por tecnologia de contato, o qual está sendo chamado comercialmente
pela empresa de Visa PayWave. O novo sistema leva, na prática, o cartão de
crédito para dentro do smartphone do usuário. Para pagar suas compras, o
consumidor apenas aproximará o seu smartphone equipado com NFC de máquinas de
pagamento adaptadas a essa tecnologia, com o valor da compra sendo debitado
diretamente de sua fatura de cartão de crédito. Para os usuários mais
tradicionais, haverá também a opção de utilizar o NFC por meio de um cartão
similar àqueles de crédito atualmente existentes que poderá ser passado (tal
qual um crachá de acesso) em qualquer máquina equipada com a tecnologia de
contato.</div>
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<br /></div>
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A empresa vem trabalhando desde 2008 na implementação dessa
tecnologia, que envolve o trabalho conjunto com bancos, fabricantes, operadoras
de telecomunicação e lojistas. Segundo Marcelo Sarralha, diretor de produtos da
Visa no Brasil, o projeto vem progredindo rapidamente, e dentro de um a dois
anos a tecnologia já deve estar em plena operação. Segundo o executivo, há mais
de quatro bancos prontos para operar com NFC. Do lado das fabricantes, empresas
como a RIM já comercializam modelos equipados com a tecnologia (como os novos
BlackBerry Curve e Bold). O maior desafio parece residir na instalação de
máquinas nos estabelcimentos comerciais, trabalho custoso e demorado, mas que o
diretor garante que deve estar concluído entre um e dois anos. Um dos maiores
objetivos desse trabalho é dotar o país de infra-estrutura de consumo para
atender aos milhares de turistas esperados para a Copa do Mundo de 2014 e para
as Olimpíadas de 2016, ambos os eventos patrocinadas pela Visa.</div>
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No que diz respeito à adaptação dos celulares a essa nova
tecnologia, a Visa aposta suas fichas em duas possibilidades. Uma primeira
seria a compra de smartphones já equipados de fábrica com NFC. Um segundo meio
seria o uso de um cartão microSD com NFC embutido (o que tornaria qualquer
smartphone com entrada para microSD capaz de utilizar os serviços). Para a
primeira opção, será necessário também trocar os SIMcards por uma versão com um
elemento seguro. De acordo com Sarralha, fabricantes locais de chips estão
preparados para produzi-los e alguns modelos já até foram homologados por
operadoras brasileiras.</div>
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Uma outra característica interessante do novo produto é sua
interoperabilidade com a rede Visa em todo o mundo. Dessa forma, o brasileiro
portador de celular equipado com NFC poderá usá-lo para comprar pelo sistema em
qualquer país onde haja máquinas capazes de suportar a tecnologia.</div>
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<br /></div>
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Recargas</div>
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<br /></div>
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O segundo alvo da Visa no ramo de pagamentos móveis é o
mercado de recarga de celulares pré-pagos e micropagamentos móveis. Atualmente,
estima-se em 200 milhões o número de celulares pré-pagos existentes no Brasil,
originando um mercado total de recargas que movimentou aproximadamente R$ 27
bilhões no país em 2010. Contudo, hoje em dia, apenas 7% das recargas de
celulares são feitas com cartão de crédito, havendo, segundo Sarralha, enorme potencial
para crescimento nesse mercado.</div>
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Atualmente, o portador que deseja recarregar seu pré-pago
remotamente pode fazê-lo via celular, vindo o valor debitado na sua conta de
cartão de crédito. Mas a empresa planeja disponibilizar uma segunda forma de
recarga remota, em que a compra será feita pelo cartão de crédito via internet.
Esse é um sistema que vem sendo desenvolvido pela Visa em parceria com as
operadoras de telefonia móvel - Claro, Oi, TIM e Vivo - e mais de 20
instituições financeiras, e que já se encontra em fase final de testes, devendo
estar em breve disponível como opção ao consumidor.</div>
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Estabelecida essa tecnologia para o serviço de recargas
pré-pagas, a empresa aposta em sua ampliação para abarcar o consumo de outros
bens: além de créditos telefônicos, o usuário poderá usar o seu celular para
comprar toda uma série de produtos, que podem ir desde simples wallpapers até
vídeos e músicas em formato mp3, ou mesmo para o pagamento de serviços, tudo
com o billing sendo feito na própria conta de cartão de crédito do usuário.
“Esse é um sistema que vai revolucionar o mercado de compras no Brasil”, aposta
Serralha.</div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-19093010.post-40586981482758034002012-04-10T21:22:00.001-03:002012-04-10T21:22:17.355-03:00FÓRUM ECONÔMICO MUNDIAL CONCLAMA GOVERNOS A ADOTAREM PAGAMENTO MÓVEL<!--[if gte mso 9]><xml>
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portal Mobile Time 15/03/2012 - Fernando Paiva</div>
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<br /></div>
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Na mesma semana em que o Banco Central do Brasil e o
Ministério das Comunicações iniciaram conversas para definir uma regulamentação
que viabilize a oferta de serviços financeiros móveis, o Fórum Econômico
Mundial publicou um estudo conclamando os governos de países emergentes a migrar
para o celular seus pagamentos de benefícios sociais. A mudança ajudaria a
reduzir os problemas de fraudes nesses programas, retirando a necessidade de
intermediários e do uso de papel, além de baratear os custos administrativos e
de transações desses programas sociais. O estudo calcula que as nações em
desenvolvimento poderiam economizar até US$ 46 bilhões anuais em 2015 se
aderirem à ideia. Se computados também os benefícios econômicos para a
população (segurança, facilidade de transferências financeiras etc), o saldo
positivo poderia alcançar US$ 100 bilhões por ano em 2015.</div>
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Entretanto, a adoção do celular como meio de pagamento entre
governo e cidadão (G2P, na sigla em inglês) constituiria uma segunda etapa no
desenvolvimento de serviços financeiros móveis. Antes disso, é necessário
passar por uma primeira fase, na qual o papel do governo consiste em
proporcionar um ambiente regulatório favorável para tais serviços e que trate
de maneira equilibrada os setores financeiro e de telecomunicações, propiciando
o surgimento de iniciativas privadas. De acordo com o estudo, o papel de
liderança dos governos é fundamental para evitar que interesses divergentes no
setor privado atrasem o desenvolvimento de serviços financeiros móveis.
"Deixar a cargo de forças do mercado não apenas atrasa, mas também cria
falhas e riscos que podem provocar retrocessos no desenvolvimento de serviços
financeiros móveis", diz o documento. É justamente nessa primeira fase que
o governo brasileiro se encontra.</div>
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<br /></div>
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A fase seguinte consiste na entrada do governo como um
usuário de tais serviços, especialmente para o desembolso de benefícios sociais
via celular. Eles podem ser tanto auxílios diretos de renda (caso do Bolsa
Família e do seguro-desemprego), quanto cupons que valham subsídio na compra de
itens específicos, como fertilizantes e comida. Calcula-se que os países
emergentes gastem cerca de US$ 1 trilhão por ano com tais benefícios, com
perspectiva de alcançar US$ 1,25 trilhão em 2015. Desse total, entre 5% e 25%,
dependendo do caso, é desviado por fraude ou falhas no sistema, estima o
estudo, que foi realizado pelo Boston Consulting Group (BCG).</div>
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<br /></div>Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-19093010.post-9309468380912510342012-04-10T21:20:00.003-03:002012-04-10T21:20:54.987-03:00CARTÕES DE CRÉDITO CRESCEM 550% EM UMA DÉCADA E ATRAEM NOVATOS<!--[if gte mso 9]><xml>
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portal iG 15/03/2012 - Danielle Brant</div>
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<br /></div>
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Poucos setores cresceram tanto no Brasil na última década
quanto o segmento de cartões de crédito. Impulsionados por uma expansão inédita
nos empréstimos à classe média e integração de milhões de brasileiros à
sociedade de consumo, as empresas desse setor viram seu faturamento crescer
mais de 550% nos últimos 10 anos. Com raras exceções, o crescimento anual nunca
ficou abaixo de 20%, cinco vezes mais que a expansão média do PIB nos oito anos
do governo do ex-presidente Luís Inácio Lula da Silva. E mesmo com todo esse
vigor, a expectativa é de que o dinheiro de plástico mantenha o ritmo nos
próximos anos. </div>
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<br /></div>
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Diante de um cenário tão positivo em tempos de incerteza no
cada vez mais instável mundo financeiro, o setor observa não só investimentos
agressivos das duas líderes do mercado – Visa e Mastercard -, mas também
apostas ousadas de pequenos investidores que também querem surfar na onda dos
cartões de crédito. </div>
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<br /></div>
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O mais novo deles é o ex-presidente da Associação Brasileira
das Empresas de Cartões de Crédito e Serviços (Abecs), Waldemar Petty, um
ex-funcionário da Visa. Com apenas R$ 5,8 milhões, Petty está criando uma
bandeira para chamar de sua e concorrer com as duas gigantes do setor, que
juntas, dominam 90% desse mercado. </div>
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<br /></div>
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Sua estratégia nessa briga é oferecer o que nenhum outro
cartão oferece hoje: prazo. Petty quer dar o consumidor a opção de comprar uma
simples geladeira com um número de prestações semelhante ao de quem compra uma
casa. De acordo com o comunicado que sua empresa divulgou, será possível
parcelar as compras em até 200 vezes. </div>
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<br /></div>
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O foco de Petty está na leva de mais de 30 milhões de
brasileiros que ascenderam das classes D e E para a Classe C. De acordo com
ele, até julho desse ano espera vender 600 mil cartões e outros 2 milhões até o
segundo ano de operação. </div>
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<br /></div>
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Para oferecer essas vantagens, o ex-presidente da Abecs
montou um plano agressivo. “Vamos reduzir o preço que o lojista paga para
manter a maquininha. Atualmente, eles pagam até R$ 188 de aluguel. Queremos
cobrar R$ 30, pois nosso objetivo não é ter receita com a máquina”, explica.
Além disso, Petty quer eliminar a taxa de intercâmbio, aquela cobrada pela
operadora, que é de 4,5%, em média. </div>
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<br /></div>
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Outro foco da Shopcards será a fidelização de clientes por
meio de um banco de dados cujo objetivo será fazer a ponte entre lojistas e
compradores. “Temos sempre que deixar esse banco atualizado. Podemos oferecer
descontos para os clientes que atualizarem os dados”, conta Petty. </div>
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<br /></div>
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Fora o alongamento das parcelas, a operadora também vai
disponibilizar diferentes maneiras de pagamento. “As parcelas podem variar
conforme a necessidade do cliente. Se ele não puder efetuar o pagamento mínimo
de 15%, podemos reduzir para 5%. Ele pode pagar duas prestações por mês, se
quiser”, ressalta. “Não se faz varejo sem mercadologia. Vamos unir tecnologia,
crédito e maior conhecimento do cliente”, afirma. </div>
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<br /></div>
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Para conquistar seu público-alvo, a empresa vai colocar
pontos de venda dentro de shoppings ou próximo a lojistas. “Montamos um estande
no shopping Center D&D, de São Paulo. Também temos pontos em shoppings em
Recife e no Mato Grosso”, diz. </div>
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<br /></div>
<div class="MsoNormal">
As gigantes se movem </div>
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<br /></div>
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A tarefa de Waldemar Petty se torna ainda mais complicada
diante da mobilização da Mastercard e da Visa em busca de novas tecnologias
para facilitar o dia a dia do consumidor. A Mastercard, por exemplo, investe
forte na plataforma inControl,. A ferramenta permite determinar onde, quando e
como os cartões são utilizados. Para descobrir isso, se baseia no valor da
compra, tipo de estabelecimento, local da compra e horário. </div>
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<br /></div>
<div class="MsoNormal">
A plataforma também alerta toda vez que é realizada uma
operação com o cartão, conforme os parâmetros estabelecidos pelo cliente. A
tecnologia ainda está em implantação no Brasil, mas sem previsão de lançamento.
</div>
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<br /></div>
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A Visa, por sua vez, aposta na tecnologia contactless,
explica Marcelo Sarralha, diretor de Produtos da Visa do Brasil. “Ele foi
desenvolvido para pagamento de pequenos valores, até R$ 50. Ele pode comprar um
café, por exemplo, e pagar aproximando o cartão de uma leitora compatível com a
tecnologia. Não precisa usar senha”, explica. Quando o “saldo” terminar, é só o
cliente fazer uma compra pelas vias normais, com a senha, que o valor será
“recarregado” e ele poderá voltar a pagar com o contactless.</div>
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<br /></div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-19093010.post-2438524671769189732012-04-10T21:19:00.001-03:002012-04-10T21:19:12.787-03:00VISA INVESTE EM PAGAMENTO DE RECARGAS DE CELULAR PRÉ-PAGO<!--[if gte mso 9]><xml>
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portal Maxpress 15/03/2012 – release Estratégia</div>
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<br /></div>
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De acordo com um estudo encomendado pela Visa para a Bain
& Company, o mercado de recarga de celular pré-pago movimentou
aproximadamente R$ 27 bilhões no Brasil em 2010 e pode atingir R$ 43 bilhões em
2016. De olho no potencial desse mercado, a Visa em parceria com as operadoras
de telefonia móvel – Claro, Oi, TIM e Vivo – e mais de 20 instituições
financeiras, está investindo na criação de novos canais e serviços, além de
promoções exclusivas, que permitem a compra de créditos para celulares
pré-pagos com cartões de crédito e débito Visa.</div>
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“Além de comodidade, a recarga de celular com cartões Visa
traz muito mais segurança e controle para os consumidores”, afirma Percival
Jatobá, diretor executivo sênior de Produtos da Visa do Brasil. “Atualmente
apenas 7% das recargas de celulares são feitas com cartão, A migração desta
compra normalmente feita com dinheiro para cartão irá trazer ainda mais
eficiência para a indústria de telefonia móvel”, conclui o executivo.</div>
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A recarga do pré-pago pode ser feita com cartão de crédito
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<br /></div>
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1 - Recarga pelo telefone</div>
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Os portadores de cartão de crédito Visa podem recarregar
seus celulares de qualquer operadora através de uma ligação gratuita. Para
isso, basta cadastrar o cartão no serviço da operadora e solicitar a recarga,
que será creditada em instantes. A ligação pode ser efetuada mesmo de um
celular da própria operadora mesmo que sem crédito.</div>
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Claro – Ligue para *555</div>
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Oi – Acesse menu Oi ou ligue para *144</div>
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Tim – Ligue para *244</div>
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Vivo - Ligue para *7000</div>
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<br /></div>
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2 – Nas lojas habilitadas que aceitam Visa</div>
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A recarga também pode ser feita nos estabelecimentos
comerciais e grandes redes de supermercados cadastrados para esse serviço e o
pagamento pode ser realizado tanto com cartão de crédito Visa ou cartão de
débito Visa Electron. Para ver a lista completa entre em
http://www.visa.com.br/promocoes/conteudo_Recarga.asp?pg=1000.</div>
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<br /></div>Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-19093010.post-29838708518220026432012-04-10T21:17:00.002-03:002012-04-10T21:17:43.448-03:00CARTÃO OFERECE CRÉDITO EM 200 PARCELAS<!--[if gte mso 9]><xml>
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jornal O Estado de S. Paulo 15/03/2012 - Cleide Silva</div>
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<br /></div>
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Para competir com as redes já presentes no País, a Shopcards
oferecerá como diferencial o parcelamento em até 200 prestações, juros
similares aos praticados no mercado e serviço personalizado. Um deles é o envio
de mensagem ao cliente informando do recebimento, pela loja, de uma coleção de
roupas que combinam com o sapato adquirido na última compra. A maioria dos
cartões de crédito em uso no País permite parcelamento em no máximo dez vezes.</div>
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<br /></div>
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A Shopcards, criada por investidores brasileiros, importou
dos EUA programa de software usado pelas empresas locais que permite
diversificação de formas de pagamento e o acompanhamento das compras do
cliente. O contato só é feito se o consumidor preencher ficha autorizando receber
e-mails, mensagem no celular ou telefonemas.</div>
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<br /></div>
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"Nossa meta é ter 600 mil clientes até o fim do
semestre e 2 milhões no início do segundo ano de operação", diz Waldemar
Petty, presidente da Shopcards.</div>
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<br /></div>
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No ramo financeiro há 40 anos, Petty e os parceiros investiram
US$ 5,8 milhões nos últimos cinco anos na criação da administradora. Ele prevê
que serão necessários mais US$ 1 milhão ao ano para manter a rede.</div>
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<br /></div>
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"Construiremos um banco de dados para oferecer aos
compradores o que realmente possa interessá-los de maneira elegante e
eficaz", afirma Petty. "Queremos ser a Apple desse mercado."</div>
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<br /></div>
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No ano passado, o setor de cartão de crédito faturou cerca
de R$ 386 bilhões, ante R$ 68,5 bilhões em 2002, segundo a Associação
Brasileira das Empresas de Cartões de Crédito e Serviços (Abecs). O número de
cartões em operação saltou de 41,5 milhões para 173,2 milhões. Ainda assim, os
números estão muito abaixo dos registrados nos EUA, por exemplo, com cerca de
350 a 400 milhões de cartões em uso.</div>
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<br /></div>
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Clínicas. Para Petty, "ainda é um mundo muito pequeno
para o tamanho do Brasil". Segundo ele, a ampliação do uso do chamado
dinheiro plástico virá da oferta de serviços diferenciados. O Shopcards vai
atuar nas redes de varejo e deve ter parceria com até 12 bancos - oito já confirmaram.
O primeiro cartão a ser lançado em São Paulo nos próximos dias é em parceria
com o Shopping D&D. Outra grande rede com 150 mil usuários vai transferir
sua carteira nas próximas semanas.</div>
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<br /></div>
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A rede também vai entrar em segmentos pouco atendidos pelas
administradoras atuais, como clínicas e consultórios médicos e dentários,
estacionamentos e taxistas, informa Petty.</div>
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<br /></div>
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Segundo ele, o grupo vai fornecer gratuitamente as
maquininhas de cobrança - em média, os lojistas pagam R$ 150 ao mês pelo
"aluguel" - e isenção do porcentual pago pelo comerciante sobre o
valor da compra cada vez que o cartão é usado. Ações como essa, explica o
executivo, permitem taxa de juros competitiva, o que vai atrair clientes e,
consequentemente, diminuir os custos administrativos.</div>
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<br /></div>
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O crescente mercado brasileiro, que somado aos cartões de
débito e de rede/lojas movimentou R$ 687 bilhões em 2011, está atraindo outros
grupos internacionais. As bandeiras Cup (chinesa), Discovery (americana) e JWC
(japonesa) já manifestaram intenção de atuar no País.</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-90944650554163333152012-04-10T21:15:00.000-03:002012-04-10T21:15:24.650-03:00PAYPAL ENTRA NO MERCADO DE PAGAMENTOS POR CARTÃO<!--[if gte mso 9]><xml>
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portal Terra 15/03/2012 - Reuters</div>
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Vice-presidente e gerente-geral de Mobilidade do PayPal,
David Marcus, lança sistema de pagamento</div>
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<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg90gUFc0m0zC79WzMEy4PhfDczWmkBElhoNJwNqu9j-odXR7YHjYZpulvycE09rd9D-8LTQ4fmkIQYxZ_9Cpz0bnvXumw9notlqGHrbg_NsRmdAwBkMtRG8QmawFXgkto3LcgZ4Q/s1600/terra150312PayPal.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg90gUFc0m0zC79WzMEy4PhfDczWmkBElhoNJwNqu9j-odXR7YHjYZpulvycE09rd9D-8LTQ4fmkIQYxZ_9Cpz0bnvXumw9notlqGHrbg_NsRmdAwBkMtRG8QmawFXgkto3LcgZ4Q/s320/terra150312PayPal.jpg" width="320" /></a></div>
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Foto: Reuters</div>
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O PayPal, o serviço de pagamentos controlado pela eBay,
divulgou um novo aparelho nesta quinta-feira que ajuda pequenos negócios a
aceitar cartões de crédito e débito por meio de telefones celulares, adentrando
um mercado de crescimento rápido agora liderado pela Square.</div>
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O serviço, denominado "PayPal Here", providenciará
um leitor de cartões gratuito, com formato triangular, e um aplicativo para
celulares. O aplicativo encaixa no topo de celulares como os iPhones da Apple
e, em breve, smartphones Android do Google, permitindo a lojistas receber
pagamentos por meio desses aparelhos.</div>
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<br /></div>
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O PayPal cobra uma taxa de 2,7% sobre o preço da compra para
todos os tipos de cartão de crédito e débito - incluindo aqueles emitidos pela
American Express; taxas de transações com cartões da empresa são muitas vezes
mais altas em outros serviços. A Square cobra a taxa de 2,75%.</div>
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O PayPal é o processador dominante de pagamentos online, mas
a empresa está tentando estender esse domínio ao mundo físico. A empresa
oferece um serviço de ponto de vendas que espera que grandes redes de varejo
usarão. Agora a empresa persegue os pequenos negócios com seu novo dispositivo.</div>
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O volume de todos os tipos de pagamentos móveis superará 200
bilhões de dólares até 2015, crescendo em comparação a US$ 16 bilhões em 2010,
de acordo com a empresa de pesquisa Aite. O mercado de serviços de pagamentos
com cartões para pequenos negócios e comerciantes individuais é atualmente de
cerca de 4 bilhões de dólares, mas cresce depressa, de acordo com Oglesby.</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-48986417997193728522012-04-10T21:12:00.003-03:002012-04-10T21:12:18.542-03:00CARTÃO PRÉ-PAGO: CONTROLE DAS FINANÇAS DA CASA<!--[if gte mso 9]><xml>
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portal Fator Brasil 15/03/2012</div>
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<br /></div>
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Hoje grande parte das mulheres são as responsáveis pelo
orçamento familiar. Pesquisa recente realizada pelo Instituto Data Popular
aponta que 82% dos maridos dividem ou delegam o comando do orçamento domésticos
para as esposas.</div>
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<br /></div>
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Uma dica para as mulheres que fazem parte desta estatística
é o uso dos cartões pré-pagos de uso geral. Juntamente com um planejamento
financeiro, elas podem controlar os gastos da família com o uso do plástico.
Isso porque o cartão não é vinculado a uma conta bancária e a pessoa pode
gastar somente o valor que está disponível no cartão.</div>
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Abaixo seguem algumas dicas do Consultor Financeiro do
programa Consumidor Consciente, da MasterCard, Conrado Navarro: .Controle da
mesada. O cartão pré-pago permite que se adicionem crédito ao cartão do(s)
filho(s) e monitorem sua utilização, sabendo onde e para que ele está sendo
usado;</div>
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.Controle de despesas variáveis. Compras e gastos com itens
supérfluos costumam usar muito dinheiro em espécie, normalmente gasto sem as
devidas anotações e controle. Com o cartão fica mais fácil se lembrar de onde o
dinheiro foi gasto, além de definir um limite semanal/mensal que deverá ser
respeitado;</div>
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<br /></div>
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.Divisão de gastos e responsabilidades. As famílias podem
criar diferentes cartões pré-pagos para diferentes tipos de gastos e
responsabilidades domésticas. Gastos com supermercado podem ser controlados
separadamente das despesas de combustível, por exemplo. Além disso, cada
categoria (cartão) terá seu próprio limite definido e respeitado;</div>
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.Delegar com segurança. Se o lar requer o apoio de muitas
pessoas para seu funcionamento, como em situações em que todos trabalham e
contam com o apoio de uma empregada doméstica para fazer as compras, o cartão
pré-pago facilita a criação de regras e limites de gastos, sempre com
segurança, já que não há necessidade de andar com dinheiro em espécie e a
recarga pode ser feita de forma remota; 5. Registros das despesas. Com o uso do
cartão fica mais fácil saber onde o dinheiro foi gasto, já que há emissão de
comprovantes. A boa prática requer que esses comprovantes sejam guardados até
que possam ser lançados no controle financeiro (orçamento) familiar.</div>
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<br /></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-10550280777576430102012-04-10T21:03:00.001-03:002012-04-10T21:03:10.088-03:00MASTERCARD USA TECNOLOGIA PARA PERSONALIZAR CARTÃO DO CLIENTE<!--[if gte mso 9]><xml>
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jornal Brasil Econômico 15/03/2012 – Flávia Furlan e Jiane
Carvalho</div>
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<br /></div>
<div class="MsoNormal">
“Somos uma empresa de tecnologia, que por um acaso tem um
cartão.” Com a frase bem humorada, o presidente da MasterCard para a América
Latina e o Caribe, Richard Hartzell, descreve o atual cenário de competição no
mundo dos meios eletrônicos de pagamento. Em entrevista exclusiva ao BRASIL
ECONÔMICO, ele destaca que a bandeira tem investido cada vez mais em tecnologia
para se manter competitiva.</div>
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<br /></div>
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A abertura do mercado de credenciamento de bandeiras em
junho de 2010, que permitiu a aceitação dos cartões MasterCard, já processados
pela Redecard, também pela Cielo, antes exclusiva da Visa, reforçou esta visão.
“Este processo foi importante e todos ganharam com a ampliação da rede de
estabelecimentos que aceitam várias bandeiras. Com isso, o diferencial
tecnológico, as funcionalidades oferecidas passam a ser fundamentais na
conquista de mercado”, diz Hartzell.</div>
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<br /></div>
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A aposta mais recente da MasterCard para o mercado
brasileiro é uma plataforma que permite ao portador do plástico determinar
como, onde e quando as compras podem acontecer, tanto para o cartão titular
quanto para os adicionais.</div>
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<br /></div>
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“Com a nossa plataforma, o cliente pode dizer que o cartão
não deve ser usado em certa loja e, por exemplo, depois das 10 horas da noite”,
explica o presidente da companhia. Chamada de in Control, a plataforma web e
integrada à rede da bandeira permite ao portador criar parâmetros e controles
das transações antes de elas serem realizadas, por meio de restrições ou alertas.</div>
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<br /></div>
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A ferramenta está disponível nos Estados Unidos desde 2007,
quando a MasterCard, que hoje é capaz de realizar 160 milhões de transações em
média por hora no mundo, uniu forças com a irlandesa Orbiscom, prestadora de
serviços em pagamentos.</div>
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<br /></div>
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Bancos como Citi e Bank of the West, nos Estados Unidos, e o
Barclays, no Reino Unido, disponibilizam o serviço aos clientes. Agora a
bandeira já está trabalhando com emissores no Brasil para implementação da
plataforma, o que está em fase de testes.</div>
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<br /></div>
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De acordo com João Pedro Paro Neto, vice-presidente
comercial da MasterCard Brasil, a plataforma inControl também pode ser usada
pelos cartões corporativos, limitando os gastos apenas a hotéis, por exemplo.
“O mercado corporativo para cartões no Brasil é ainda virgem e soluções como
esta podem ajudar.” Hoje, cartões para pessoas jurídicas têm menos de 5% de
representatividade na indústria.</div>
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<br /></div>
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Outras duas tecnologias em que a MasterCard investe são o
pagamento por celular e os chamados “sem contato”—com leitura que dispensa as
tradicionais maquininhas e tem tíquete baixo para uso em estacionamento, por
exemplo. “O uso do celular ainda é pequeno porque os acordos com operadoras são
difíceis, mas acredito no potencial do produto, que pode ajudar na inclusão
bancária”, afirma Hartzell, lembrando que no Brasil há mais celulares do que pessoas
bancarizadas.</div>
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<br /></div>
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Além disso, em relação às operadoras, o executivo conta que
demorou para elas se despertarem para a necessidade de fazer alianças com
outros agentes do mercado, como os bancos e as bandeiras. “Esta fase já passou.
Hoje as operadoras entenderam que precisamos fazer este mercado avançar juntos,
em parceria.” </div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-35157721389597833492012-04-10T21:01:00.003-03:002012-04-10T21:01:51.373-03:00REDECARD PODE SAIR DO NOVO MERCADO MESMO SE OFERTA FRACASSAR<!--[if gte mso 9]><xml>
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jornal Valor Econômico 15/03/2012 - Natalia Viri, Graziella
Valenti e Ana Paula Ragazzi </div>
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<br /></div>
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O Novo Mercado está prestes a sofrer a uma baixa de R$ 24
bilhões, valor atual da Redecard na BM&FBovespa. O Itaú deixou claro que
retira a empresa do segmento diferenciado de governança mesmo se não conseguir
fechar o capital de sua controlada no setor de credenciamento de cartões.</div>
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<br /></div>
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Seria a primeira companhia a sair voluntariamente do Novo
Mercado. Outras saídas ocorreram como resultado de fusões ou fechamentos de
capital.</div>
<div class="MsoNormal">
<br /></div>
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A informação estava no fato relevante que anunciou a oferta
para fechamento de capital da Redecard, lançada pelo Itaú em 7 de fevereiro.
Porém, não estava suficientemente claro que isso ocorreria com o sucesso ou não
da oferta, o que foi esclarecido pelo edital da oferta, em análise na Comissão
de Valores Mobiliários (CVM).</div>
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<br /></div>
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O preço ofertado é de R$ 35 por ação, quase 10% a mais da
cotação do pregão anterior - quando a empresa alcançou a máxima histórica.</div>
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<br /></div>
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Ontem, os analistas de BTG Pactual, Credit Suisse e Deutsche
Bank destacaram essa informação em relatórios. Os analistas do BTG, Marcelo
Henriques e Eduardo Rosman, comentam que "a abordagem pode ser considerada
incisiva, mas está em linha com o discurso da administração do Itaú".</div>
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<br /></div>
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Para o Credit Suisse, a saída do Novo Mercado poderia ser
uma forma de o Itaú tentar fechar o capital no futuro mais facilmente, caso a
atual operação não alcance esse objetivo. Contudo, o banco aposta no sucesso da
proposta. Por fim, para o Deutsche, trata-se de mais um risco para os
minoritários caso não aceitem a oferta, além das questões comerciais. Os
especialistas do banco alemão acreditam que o valor que está mesa é justo.</div>
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<br /></div>
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A Redecard pode deixar a bolsa ou o Novo Mercado cinco anos
após ter estreado no pregão paulista. Quando veio a mercado, a companhia foi
avaliada em R$ 13,8 bilhões. Agora, vale 73% a mais.</div>
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<br /></div>
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Apesar da valorização do negócio na bolsa, o desembolso do
Itaú na época da abertura de capital, caso quisesse comprar a participação de
todos os demais sócios de então (Unibanco e Citibank), seria praticamente o
mesmo que terá com a proposta atual. Em 2007, porém, ele tinha 32% e pagaria
isso para levar os 68% restantes. Agora, o Itaú tem pouco mais de 50% - fatia
alcançada com a fusão com o Unibanco.</div>
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<br /></div>
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A recepção dos investidores para a oferta está dividida. A
fatia de descontentes gostaria que o Itaú dividisse com o mercado as sinergias
que pode obter com a integração da Redecard as suas operações.</div>
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<br /></div>
<div class="MsoNormal">
Entre os analistas, a percepção também se dividiu. Os
especialistas do Santander e do HSBC recomendam aos investidores que não vendam
suas ações pelo valor proposto pelo Itaú. Ambos têm preço-alvo de R$ 39 para as
ações, nos próximos 12 meses.</div>
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<br /></div>
<div class="MsoNormal">
Caso a oferta seja concretizada com sucesso, o Santander
acredita que as sinergias da combinação fariam a Redecard valer o equivalente a
R$ 50 por ação. No caso do HSBC, a integração da bandeira Hipercard, totalmente
detida pelo Itaú, à Redecard poderia levar o valor do negócio a R$ 41 por ação.</div>
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<br /></div>
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É a partir dessas avaliações que alguns investidores veem
espaço para uma negociação. Eles estão frustrados ainda com a postura do Itaú
de enfatizar que o valor atual da Redecard tem relação com o fato de ele ser o
controlador.</div>
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<br /></div>
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Em breve, será divulgado o laudo de avaliação da Redecard,
pelo Rotschild. Caso o valor fique acima de R$ 35, o Itaú pode desistir da
proposta.</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-81517295590662370602012-04-10T21:00:00.002-03:002012-04-10T21:00:32.849-03:00ANUIDADE DOS CARTÕES SUBIU ATÉ 270%<!--[if gte mso 9]><xml>
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O consumidor está pagando mais pela anuidade do cartão de
crédito após a padronização e a limitação a cinco das tarifas que podem ser
cobradas. O aumento chegou a 270% no caso do cartão American Express Blue na
comparação entre os valores cobrados em 2010 e 2011. O aumento da anuidade foi
de 166% no cartão Reward do Santander. E de 131% no Ibicard Gold do banco Ibi.
A alta foi generalizada, superando 20%.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A PROTESTE enviou ofício à Casa Civil e ao Departamento de
Proteção e Defesa do consumidor (DPDC) informando que, além das altas taxas dos
juros, o consumidor brasileiro também está sendo penalizado com a cobrança de
anuidades elevadas. Das 75 anuidades pesquisadas, 86,6% reajustaram. Apenas dez
não alteraram o valor cobrado, ou seja, 13,33%.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A pesquisa também constatou que antes da padronização das
tarifas havia mais cartões com anuidade gratuita do que agora. As instituições
financeiras usavam a anuidade zero como um chamariz para o consumidor, e
compensavam essa “perda de receita” com a cobrança de outros serviços.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Negocie com a administradora</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A saída para quem usa o cartão de crédito é ficar atento à
data de renovação da anuidade e negociar com a administradora a redução dos
valores cobrados e até a isenção informando que caso contrário fará o cancelamento.
É importante comparar as condições ofertadas por bancos concorrentes e avaliar
se o vale a pena pagar valor maior por um tipo de cartão como o internacional,
por exemplo, se não faz muitas compras no exterior.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A PROTESTE tem uma ferramenta que ajuda você a escolher qual
cartão de crédito oferece a melhor relação custo/benefício para você. Acesse
agora Minha Escolha Certa e confira.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Novas regras, dois cartões</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Com as novas regras fixadas pela Resolução 3.919 do Conselho
Monetário Nacional (CMN) foram criados dois tipos de cartões de crédito: o
básico, exclusivo para pagamento de compras de bens e serviços, com anuidade
mínima, e que deve ser oferecido por todos os bancos; e o cartão diferenciado,
que pode ser associado a benefícios e recompensas como bônus e pode ter tarifas
mais elevadas.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
As cinco tarifas que poderão ser cobradas em todos os
cartões são anuidade, emissão de 2ª via, saques em dinheiro, pagamento de
contas e pedido de aumento emergencial de limite de crédito.</div>
<div class="MsoNormal">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrJ2pAaq7pYgobhY46LMZNKzET2RTU0gnUzlE-HZ2s_Ytm0jN51R-KcZd3XLdLc3f5RnBO4et_fxAt7Zo4h-UIcopzAtazLwkJsoyEmY2ll99b4upVAR-o6VCWAmqT1JRolrlROA/s1600/proteste_anuidades.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="181" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrJ2pAaq7pYgobhY46LMZNKzET2RTU0gnUzlE-HZ2s_Ytm0jN51R-KcZd3XLdLc3f5RnBO4et_fxAt7Zo4h-UIcopzAtazLwkJsoyEmY2ll99b4upVAR-o6VCWAmqT1JRolrlROA/s400/proteste_anuidades.jpg" width="400" /></a></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="text-align: right;">
<span style="font-size: x-small;"><i>Última atualização em Março de 2012</i></span></div>
<div class="MsoNormal">
<br /></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-54089825408164967172012-04-10T20:57:00.002-03:002012-04-10T20:57:30.112-03:00AMDOCS LANÇA SOLUÇÃO MOBILE PAYMENTS BASEADA NA NUVEM<!--[if gte mso 9]><xml>
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portal Fator Brasil 14/03/2012</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Solução de cobrança direta para operadoras de telecomunicações,
fornecida como serviço em nuvem seguro; oferece às operadoras de serviços
móveis menor tempo de lançamento de produtos no mercado, novos fluxos de
receita e eficiência operacional.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A Amdocs (NYSE: DOX), líder no fornecimento de sistemas
voltados à experiência do consumidor, anunciou o lançamento do Amdocs Mobile
Payments. A nova solução é um gateway baseado na nuvem, que ajuda as operadoras
a expandir o seu negócio de pagamentos móveis de forma rápida, segura e
econômica para clientes pré e pós-pagos, possibilitando a geração de novos
fluxos de receita. Os pagamentos móveis cobrados por meio das operadoras
oferecem aos consumidores a conveniência de pagar por suas compras diretamente
em sua fatura de telefone, no crédito do pré-pago ou carteira móvel.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Com o Amdocs Mobile Payments, as operadoras podem gerar
rapidamente novos fluxos de receita no mercado de pagamentos móveis, que deve
chegar a $670 bilhões até 2015, de acordo com a Juniper Reasearch*.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A solução é baseada na experiência da Amdocs, que processa
atualmente mais de 250 milhões de pagamentos por ano, totalizando mais de $ 2
bilhões de receitas advindas de pagamentos móveis. Com a solução, as operadoras
podem: .atrair e gerir a rica gama de lojas, vendedores e agregadores de
aplicativos |. processar transações de produtos e serviços físicos e digitais
|.aceitar todos os outros métodos de pagamentos, tais como cobrança pós-paga,
crédito pré-pago ou carteira móvel.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A solução Amdocs Mobile Payments é um Software como serviço
(Saas), que é um fornecedor agnóstico de BSS (sistemas de suporte de negócios)
e possibilita o seguinte: .Menor tempo de colocação de produtos no mercado -
pré-integrado com o Android Market da Google e compatível com as exigências de
outras lojas de aplicativos (como Microsoft Marketplace, BlackBerry AppWorld e
Amazon), os principais provedores de conteúdo, empresas de jogos e crédito
virtual e agregadores de pagamento.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
. Funções amplas - novos casos de uso, características e
tecnologias, como cobrança embutida no aplicativo, autosserviço e opções
avançadas de reembolso são incluídos de forma dinâmica pela Amdocs conforme o
mercado de pagamentos móveis evolui.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
. Modelo de negócios acessível- operadoras de todos os
tamanhos e locais podem ingressar no mercado de pagamentos móveis ou expandir
as suas operações, enquanto reduzem o custo com a gestão de provedoras de
conteúdo off-portal, oferecendo a solução com modelos de receita compartilhada
ou por transação.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
.Escalabilidade, flexibilidade e automação – processo de
integração simples com as empresas parceiras, opções mais amplas de pagamento e
configuração automatizada de contas.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
.Alavanca as tecnologias comprovadas da Amdocs - uma solução
confiável, dimensionável e segura, que combina a tecnologia e a experiência da
Amdocs com a sua solução Digital Commerce, usada pelas maiores operadoras da
América do Norte e da América Latina.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
“A experiência atual de se fazer compras está cada vez mais
móvel e os consumidores preferem a conveniência de realizar pagamentos móveis
por meio da fatura de sua operadora a ter que revelar os detalhes de seu cartão
de crédito a varejistas desconhecidos”, disse Brian Shepherd, presidente de
divisão da Amdocs. “Pagamentos móveis por meio do crédito do dispositivo
pré-pago também são uma opção de pagamento mais atraente para consumidores que
não possuem conta em banco e desejam fazer parte da economia digital. As
operadoras de redes móveis estão idealmente posicionadas para se beneficiar de
suas relações de cobrança com seus consumidores, ajudando-os a fazer mais no
mundo conectado.”</div>
<div class="MsoNormal">
<br /></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-68031767272957551062012-04-10T20:56:00.000-03:002012-04-10T20:56:06.538-03:00PAYPAL PASSA A OFERECER NOVAS FORMAS DE PAGAMENTO DIGITAL<!--[if gte mso 9]><xml>
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portal Olhar Digital 14/03/2012</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
O PayPal apresentou, durante a conferência SXSW em Austin
(Estados Unidos), novas ferramentas para sua "carteira digital".
Segundo o site Fast Company, esta é a primeira vez, em 13 anos, que a companhia
redesenhou e reestruturou seu sistema de pagamentos. "Quando começamos
nosso negócio, queríamos que o dinheiro trabalhasse bem na web. Agora, queremos
que ele trabalhe bem em qualquer lugar", comentou o vice-presidente global
da empresa, Sam Sharauger. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Entre os novos recursos está uma ferramenta que pode ajudar
muito os consumidores a administrar suas finanças. A empresa oferece um
"período de graça" em que o internauta pode alterar a forma de
pagamento de um item até sete dias depois da compra. Por exemplo, se você paga
algo com cartão de débito, mas depois percebe que o seu salário não vai cair
até o dia combinado, você pode entrar na sua conta do PayPal e pedir para que o
sistema substitua o pagamento da conta para o cartão de crédito. Durante este
período de carência, a companhia também oferece a opção de parcelar a compra ao
invés de pagar de uma única vez. O novo sistema da carteira digital também vai
permitir que os usuários paguem suas contas com cartão de presente.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Todas as novidades deverão estar disponíveis a partir de
maio dentro da carteira digital - uma versão melhorada da tradicional conta do
PayPal, que não vai se conectar apenas aos cartões de crédito ou contas
bancárias do usuários, mas também a novas formas de pagamentos como cupons e
cartões de presentes.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Veja abaixo como o produto vai funcionar.</div>
<div class="MsoNormal">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
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<div class="MsoNormal">
<br /></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-30345300283999355222012-04-10T20:52:00.001-03:002012-04-10T20:52:08.025-03:00BRADESCO CELULAR DOBRA NÚMERO DE TRANSAÇÕES<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal">
portal Executivos Financeiros 14/03/2012</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
O número de transações mensais realizadas por meio do
Bradesco Celular chegou a 15 milhões em fevereiro deste ano, quando no ano
passado chegou a 8 milhões.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Além dos serviços já existentes, como consulta de saldo e
extratos, pagamentos e transferências, agora o cliente Bradesco tem à
disposição serviços como extratos de conta corrente, conta-poupança e cartão de
crédito - incluindo as bandeiras Visa, Mastercard e Elo - por período de até 12
meses, além da possibilidade de visualização dos lançamentos futuros e
solicitação de talão de cheques.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
O Bradesco contabiliza mais de 700 mil usuários ativos no
Bradesco Celular e esta estatística é crescente, indica Luca Cavalcanti, diretor
dos Canais Digitais Bradesco Dia & Noite.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
“Os dispositivos móveis, no geral, tornaram-se uma
ferramenta que faz parte do dia a dia das pessoas, que ajuda a facilitar e
organizar a sua vida. E o banco no celular segue essa mesma direção”. Durante o
ano de 2011 foram realizadas 100 milhões de transações por meio do Bradesco
Celular. “Apenas este ano, até fevereiro, o número chegou aos 30 milhões de
transações e a expectativa é que esses números aumentem cada vez mais, já que
estamos oferecendo ainda mais serviços para o cliente”, comenta Cavalcanti.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Uma série de melhorias de uso e navegação também estão
integradas as novidades, entre elas podemos destacar a reorganização do menu de
serviços; pagamento de boleto de cobrança antecipado, com desconto; e o
pagamento de boleto de cobrança registrado em atraso, corrigido de juros/multa.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Conectividade</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Os novos serviços estão disponíveis para acesso pelos
aparelhos Apple (iPhone e iPod Touch a partir da versão iOS 4.2), Smartphones
com sistemas operacionais Android, Blackberry e Windows Phone, Celulares
habilitados com a tecnologia JAVA e também a quem acessa o Bradesco Celular por
meio da tecnologia WAP 2.0. “Tudo o que o Bradesco faz, é pensando em atender
todos os Clientes, por isso estamos presentes em todas as plataformas
operacionais, oferecendo produtos a qualquer hora e em qualquer lugar por meio
dos dispositivos móveis”, finaliza Cavalcanti.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Os aplicativos do Bradesco para dispositivos móveis
alcançaram a marca de 1,2 milhão de downloads em fevereiro de 2012, desde o
lançamento do primeiro aplicativo, em 2008. Em 2011, o Bradesco inovou ao
lançar os novos aplicativos de acesso à conta para o iPhone, que entre as
diversas novidades, tem como destaque a área de ‘aplicativos’ localizada no
menu inicial, que de maneira pioneira no mercado reúne em um único ambiente
todos os aplicativos do Banco em um só lugar.</div>
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<br /></div>
<div class="MsoNormal">
Outros diferenciais</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
No Bradesco, o cliente tem a possibilidade de pagar contas
simplesmente respondendo uma mensagem SMS. No momento, estão disponíveis as
modalidades de pagamento de Boletos DDA e contas de consumo (água, luz,
telefone, entre outras). Ao se cadastrar no sistema de autorização via SMS, o
cliente recebe mensagens interativas onde é só responder para autorizar o
agendamento ou o pagamento da cobrança. Outro serviço inovador e pioneiro no
mercado é a Chave de Segurança (Token) integrada ao celular, mais uma opção de
conveniência ao cliente para autenticar as transações realizadas no próprio
aparelho e nos demais canais digitais.</div>
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portal TI Inside 13/03/2012</div>
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<br /></div>
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A Nokia deve decretar o fim de seu serviço Nokia Money,
marca registrada pela fabricante finlandesa de celulares em 2009 para atuar no
segmento de pagamento por meio de dispositivos móveis, o chamado mobile
payment. A medida foi justificada como o corte de uma área que não faz parte do
core business da empresa, de acordo com um porta-voz da Nokia ouvido pelo blog
de tecnologia TechCrunch. Segundo ele, o Nokia Money chegou a operar apenas na
Índia, mesmo com planos de expansão para outros países. O serviço era oferecido
por meio de uma parceria com a Obopay, provedora de serviços de m-payment.</div>
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<br /></div>
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A meta era operar com meios de pagamento, especialmente em
mercados emergentes, com baixos níveis de bancarização, por meio de serviços
celulares pré-pagos. Segundo analistas, a evolução do mercado se mostra mais
promissora para o segmento de smartphones, com aparelhos mais sofisticados e
cada vez mais adaptáveis a outras funções. Além disso, a decisão mostra que o
foco da Nokia continua sendo em aparelhos - dessa maneira, o desenvolvimento de
software e sistemas deve ficar a cargo de terceiras, a exemplo do sistema
operacional Windows Phone, da Microsoft.</div>
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<br /></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-47565319215681091402012-04-10T20:49:00.002-03:002012-04-10T20:49:39.204-03:00MINISTÉRIO DAS COMUNICAÇÕES E BANCO CENTRAL DISCUTEM MOBILE PAYMENT<!--[if gte mso 9]><xml>
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portal Mobile Time 13/03/2012 - Helton Posseti</div>
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O ministro das Comunicações Paulo Bernardo esteve nesta
terça-feira, 13, com o presidente do Banco Central (BC), Alexandre Tombini,
para discutir a regulamentação do mobile payment no Brasil. Segundo relatou
Bernardo, o foco principal da iniciativa é bancarizar as pessoas que hoje estão
fora do sistema bancário.</div>
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Bernardo disse que equipes do BC, do Minicom e da Anatel
começarão “imediatamente” a trabalhar na regulamentação da proposta que será
enviada ao Congresso por projeto de lei. “Nós queremos um modelo que sirva para
estimular inclusão bancária das famílias de baixa renda”, disse Paulo Bernardo.</div>
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<br /></div>
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Maximiliano Martinhão, secretário de telecomunicações do
Minicom, que também participou da reunião, explica que as iniciativas
existentes hoje pressupõem que o usuário tenha um cartão de crédito. O celular,
na verdade, apenas substitui o uso do plástico e, por isso, não precisa de uma
legislação específica. Segundo Martinhão, as leis do sistema bancário exigem
uma legislação específica que ampare e crie regras para o mobile payment de
não-bancarizados.</div>
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Paulo Bernardo disse que a premissa básica será que o
sistema seja interoperável, ou seja, todas as operadoras deverão ser
compatíveis com todos os bancos. A legislação não pretende fazer com que as
operadoras atuem como bancos, mas elas poderão atuar como uma “carteira
digital”. Os pagamentos seriam de baixo valor e, de acordo com Bernardo,
poderiam ser gradativamente elevados com o tempo. “Sabemos que existe uma briga
entre os bancos e as operadoras para ver quem vai ficar com o bolo”, disse o
ministro, sem detalhar como essa questão poderia ser resolvida.</div>
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Não existe ainda uma ideia do custo dessa transação, mas
Bernardo ressalta que esse custo tem que ser acessível, visto que o serviço é
destinado a famílias de baixa renda.</div>
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<br /></div>
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A expectativa de Paulo Bernardo é de que ainda este ano o
projeto possa ser remetido ao Congresso Nacional. Depois de aprovado o Projeto
de Lei, o assunto ainda precisará ser regulamentado pela Anatel e pelo Conselho
Monetário Nacional.</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-71633768583181862112012-04-10T20:48:00.002-03:002012-04-10T20:48:42.828-03:00CONSUMIDOR PREFERE BANCOS NO PAGAMENTO DIGITAL<!--[if gte mso 9]><xml>
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portal Executivos Financeiros 13/03/2012</div>
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<br /></div>
<div class="MsoNormal">
Na era do pagamento digital, os bancos ainda levam vantagem
sobre os novos players no que diz respeito a confiança do consumidor. Em um
levantamento da AlixParterns LLP, 70% responderam que confiam na segurança de
suas informações pessoais "extremamente bem" ou "muito bem"
quando estão no ambiente das instituições fiananceiras.</div>
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<br /></div>
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Enquanto estão usando uma carteira digital, 74% disseram que
preferem usar o banco como provedor. Outros 23% preferiram o PayPay e 15%
optaram pelo Google.</div>
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<br /></div>
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De acordo com o estudo The Mobile Shopping Revolution,
satisfazer as expectativas do consumidores indo ao encontro de suas
necessidades de compras e pagamentos rápidos será imperativo para os serviços
financeiros que quiserem estar a frente dos concorrentes na corrida pela
carteira digital.</div>
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<br /></div>
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Os consumidores estão aumentando o uso de dispositivos
móveis em consonância com a carteira digital. Conforme o estudo, 25% dos
consumidores com um dispositivo móvel estão atentos ao conceito de carteira
digital. O público mais interessado tem entre 26 e 44 anos. Nessa faixa etária,
o pagamento digital por dispositivo móvel é conhecido de mais de 30% dos
entrevistados.</div>
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<br /></div>
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O interesse do consumidor no conceito de pagamento com
carteira digital continuará crescendo assim como os dispositivos móveis irão
ganhar mais importância entre os consumidores, além de impulsionar suas
decisões, acrescentou o estudo.</div>
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<br /></div>
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Nesse cenário, bancos e outros provedores de serviços
financeiros estão bem posicionados para atender uma oferta de carteira digital,
assim como os consumidores estão aptos a discernir entre bancos e outros
provedores como firmas digitais quando são confiáveis.</div>
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<br /></div>
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Quando os consumidores foram questionados sobre qual meio
seria mais apropriado para usar a carteira digital, 74% apontaram os bancos, em
comparação com 23% para o PayPal e 15% para o Google.</div>
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<br /></div>
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Pela pesquisa, 70% dos consumidores consideram o banco o
ambiente mais seguro para guardar suas informações pessoais "extremamente
bem" ou "muito bem". Enquanto isso, outros canais de vendas
ficaram com 29%. Google e Apple ficaram com 26%; e Facebook, com 15%.</div>
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<br /></div>
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Considerando ainda a segurança de informações pessoais,
apenas 3% dos consumidores afirmou não confiar nos bancos. No entanto, 26%
disseram não confiar no Facebook; 15% afirmaram não confiar na Apple; 14%, no
Google; e 10%, em outros canais de vendas.</div>
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<br /></div>
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Reforça a credibilidade dos bancos junto ao consumidor,
outro dado: 56% dos consumidores acreditam que o banco usa "sempre"
ou "geralmente" as informações pessoais da melhor forma possível,
enquanto outros canais de vendas ficam com 30%, Google com 27%, Apple com 25%,
e Facebook com 19%.</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-84445823258485216582012-04-10T20:47:00.003-03:002012-04-10T20:47:56.467-03:00SIQUEIRA ASSINA CONTRATO COM EMPRESA ADMINISTRADORA DO CARTÃO TOCANTINS SEM FOME<!--[if gte mso 9]><xml>
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portal O Girassol 13/03/2012</div>
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<br /></div>
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O governador Siqueira Campos assina às 10 horas desta
terça-feira, 13 de março, em seu gabinete no Palácio Araguaia, o contrato com a
empresa Brasilcard, ganhadora do processo licitatório que visa emitir,
gerenciar e administrar o Cartão Tocantins sem Fome nos 139 municípios.</div>
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O cartão foi criado dentro do Programa Tocantins sem Fome,
instituído pela Lei nº 2526 de 23 de novembro de 2011. O programa de governo
pretende beneficiar inicialmente 51.750 famílias de renda mínima com a TCCA -
Transferência Condicionada de Crédito Alimentar, no valor de R$ 50,00, que
serão utilizados na rede credenciada de estabelecimentos comerciais varejistas
de alimentos in natura, administrada pela empresa ganhadora. Com proibição da
venda de bebida alcoólica, produtos com tabaco e cosméticos.</div>
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As famílias selecionadas deverão passar pelos seguintes
critérios: estarem cadastradas no CadÚnico - Cadastro Único de programas
sociais do Governo Federal; não serem beneficiárias de outro programa social de
transferência de renda; ter renda per capta de até R$ 70,00 mensais e ter,
preferencialmente como líderes familiares, mulheres. Também entrarão na seleção
as famílias de comunidades tradicionais indígenas e remanescentes de
quilombolas que estiverem neste perfil.</div>
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Segundo o secretário do Trabalho e da Assistência Social,
Agimiro Costa, o cartão também dará acesso a uma série de ações que estão sendo
estruturadas pela Setas para a inserção dessas famílias nos projetos de inclusão
produtiva, capacitação profissional e ações de economia solidária. “O Programa
Tocantins sem Fome vai ser executado de forma transversal, a família
beneficiária terá a obrigação de ter seus filhos na escola, ter acompanhamento
nas unidades de saúde da família e ter pelo menos um membro da família se
capacitando e participando dos cursos de inclusão produtiva da Setas. Nosso
objetivo é identificar as famílias tocantinenses em maior risco socioeconômico,
garantir a elas a segurança alimentar e nutricional, e também colaborar no
sentido de que essas famílias tenham a oportunidade de gerar sua própria
renda”, afirmou o secretário.</div>
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As famílias serão comunicadas da sua seleção pelas equipes
dos Cras - Centros de Referência da Assistência Social de cada município. A
previsão é de que as 51.750 famílias estejam com o cartão e o crédito em mãos
até a primeira quinzena do mês de abril.</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-38431489466256270582012-04-10T20:46:00.004-03:002012-04-10T20:46:58.398-03:00QUERO-QUERO RENOVA COM SICRED<!--[if gte mso 9]><xml>
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portal Baguete 12/03/2012 - Gláucia Civa </div>
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<br /></div>
<div class="MsoNormal">
A Quero-Quero Financiadora, constituída a partir do Grupo
Quero-Quero em 2001, substituiu sua antiga base de sistemas pela solução da
porto-alegrense Sicred.</div>
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<br /></div>
<div class="MsoNormal">
Foram adquiridos os módulos de Informes Legais, Renda Fixa,
Tesouraria, Contas a Pagar, Contabilidade e Comercial, hoje usados por 15
usuários da financeira.</div>
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<br /></div>
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Entretanto, a meta é ampliar o projeto: no módulo Comercial,
por exemplo, a estimativa até o final de 2012 é chegar a 1,5 mil usuários.</div>
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<br /></div>
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A financiadora oferece produtos como CDC, crédito pessoal,
seguros de proteção financeira, compra de<span style="mso-spacerun: yes;">
</span>títulos, convênio com cartões Private Label, crédito rotativo e
antecipação de recebíveis.</div>
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<br /></div>
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Com a nova base de sistemas, cuja implantação foi concluída
em dezembro de 2011, a companhia já contabiliza resultados como ampliação da
segurança, estabilidade e flexibilidade dos processos.</div>
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<br /></div>
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“Também registramos aumento da rentabilidade em função da
possibilidade de ampliação dos negócios”, comenta Luís Langer, gestor de TI da
financeira.</div>
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<br /></div>
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E, segundo ele, os investimentos em TI estão constantemente
no foco da financiadora.</div>
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<br /></div>
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No ano passado, por exemplo, além da mudança de toda a base
de sistemas, a companhia também contratou o data center da Netcentrics.</div>
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<br /></div>
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“Hoje, todos os nossos sistemas rodam neste data Center, com
servidores Dell, todos com contingência e balanceamento”, conta Langer.</div>
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<br /></div>
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dois links dedicados da Oi e no desenvolvimento de seu novo website, que já
está no ar.</div>
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<br /></div>
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“Para 2012, estão previstas customizações em alguns
processos, para melhor atender o negócio, mas o foco será sustentar a expansão
da empresa com base nas mudanças feitas durante 2011”, ressalta Langer.</div>
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<br /></div>
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Para cuidar da TI, a Quero-Quero Financiadora conta com uma
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na área de infraestrutura.</div>
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<br /></div>
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No geral, o número de colaboradores da financeira sobe para
15, que atendem a uma carteira de 310 mil clientes ativos.</div>
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<br /></div>
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A aposta nos sistemas da Sicred Informática não foi à toa: a
fornecedora, que tem sede em Porto Alegre e escritório em São Paulo, é
especializada em software para administração de instituições financeiras, com
foco na área de crédito.</div>
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<br /></div>
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Além da Sicred Informática, a organização é formada, ainda,
pela Sicred InSicred, Lydians e ERSystems.</div>
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<br /></div>
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A Lydians é a empresa do grupo focada em consultoria e
sistemas de gestão para produtos bancários.</div>
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<br /></div>
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Já a ERSystems prove soluções para o mercado de cartões de
crédito, especificamente.</div>
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<br /></div>
<div class="MsoNormal">
O carro-chefe desta operação é o Sistema ER Card, que
permite gerir desde a fase de captura de propostas e análise de crédito para concessão
dos limites, até a autorização das transações, gestão da carteira e acionamento
de cobrança.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A empresa também fornece o ER Contábil, sistema de
contabilidade especializado em instituições financeiras.</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-32336215247188331782012-04-10T20:46:00.000-03:002012-04-10T20:46:06.930-03:00BANCOS SE ANTECIPAM E SOBEM ANUIDADE DE CARTÃO<!--[if gte mso 9]><xml>
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<div class="MsoNormal">
jornal Valor Econômico 13/03/2012 - Aline Lima </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A menos de três meses de se verem obrigados a cortar
drasticamente a quantidade de taxas cobradas da maior parte dos cartões de
crédito em circulação no sistema, os bancos já se anteciparam e promoveram
reajustes nas tarifas de anuidade.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Levantamento da ProTeste Associação de Consumidores,
antecipado para o Valor , mostra uma forte elevação das tarifas de anuidade, em
2011, quando comparadas aos preços de 2010. O movimento ocorreu de forma
generalizada nas diversas categorias de cartão de crédito.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Foram analisados os dados de 46 cartões emitidos por 13
instituições financeiras. Na média, os cartões internacionais apresentaram o
maior aumento de anuidade, de 60%, seguidos pelos cartões da categoria Gold,
que sofreram reajuste de 37,4% (ver quadro).</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A partir de junho, as tarifas de cartão de crédito deverão
ficar restritas a cinco, segundo determinação do Conselho Monetário Nacional
(CMN). Para os cartões emitidos a partir de junho do ano passado, a
determinação já está valendo. Os bancos estão ainda obrigados a ofertar dois
tipos de cartão: o básico, só para pagamentos, e o diferenciado, que pode ter
acoplado benefícios como programas de milhagem. A tarifa de anuidade do cartão
básico tem de ser, necessariamente, menor que a do diferenciado.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A eventual perda de receita com serviços que deixarão de ser
cobrados, como as taxas de recomposição antecipada de limite de crédito ou para
resgate de milhas, entre vários outros exemplos, pode ter estimulado os bancos
a transferirem esses custos para a tarifa de anuidade do cartão, segundo a
economista da ProTeste Hessia Costilla.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
"Não posso afirmar com certeza, mas há indícios de que
o aumento da anuidade tenha relação com a redução da quantidade de tarifas
cobradas." Hessia chama atenção para o fato de praticamente não ter havido
alteração de preço de anuidade em 2010 ante as tarifas de 2009, de acordo com o
mesmo estudo da ProTeste. "Desde o ano passado, grande parte dos bancos
também deixou de oferecer gratuitamente a primeira anuidade", observa
Hessia. "Em vez disso, as instituições passaram a dar 50% de
desconto."</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Alexandre Rappaport, diretor da Bradesco Cartões, reconhece
que houve elevação nos preços das anuidades, mas prefere qualificar o reajuste
como um processo de reclassificação. "O que houve, na verdade, foi uma
realocação dos serviços que antes eram cobrados à parte, além de reposição da
inflação", explica.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
De acordo com a ProTeste, a anuidade do cartão American
Express Blue emitido pelo Bradesco apresentou, entre 2010 e 2011, a maior
variação de preço dentre todos os plásticos pesquisados, de 270,37% - saltando
de R$ 27 para R$ 100. O segundo maior aumento coube ao Reward emitido pelo
Santander, que passou de R$ 60 para R$ 180, equivalente a um acréscimo de
166,67%. Apenas um cartão apresentou queda de anuidade: o Clássico
International do Citi, cuja anuidade recuou de R$ 96 para R$ 66, queda de
31,25%.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
As tarifas cobradas dos portadores de cartões de crédito -
sendo a anuidade a mais relevante delas - entram na composição da receita de
prestação de serviço dos bancos. Os grandes bancos de varejo apresentaram
aumento expressivo da renda de serviço com cartão entre 2011 e 2010. Ao mesmo
tempo, a base de plásticos subiu pouco e, em algumas instituições financeiras,
até caiu.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Dos quatro maiores bancos com capital aberto no país, o
Banco do Brasil (BB) foi o que apresentou o maior crescimento de receita com
cartão em 2011 ante 2010, de 24,5% (ver quadro). Mas sua base de cartões de
crédito, nesse mesmo período, recuou 17,7% (incluindo os de débito, a queda foi
de 5,6%), em decorrência de um "processo de baixa de cartões não
utilizados", informa o relatório de análise de desempenho do banco.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
O mesmo movimento foi observado no Itaú Unibanco. A renda
com cartões subiu 15,6%, entre 2011 e 2010, enquanto o número de cartões de
crédito caiu 8,3%. A análise de resultados de 2011 do Itaú também informa que
houve uma "equalização de conceitos sobre ativação de contas",
acrescentando que "essa queda não gerou quaisquer impactos sobre valor
transacionado desses produtos".</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Vale lembrar que a taxa por falta de uso (inatividade) do
cartão de crédito também foi proibida de ser cobrada pelo CMN. Procurados, nem
BB nem Itaú atenderam à reportagem.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A receita com cartão tem outro componente importante: a
chamada taxa de intercâmbio, que é uma parte da tarifa paga pelo
estabelecimento comercial para ter uma maquininha que aceite pagamentos
eletrônicos e que vai para as instituições emissoras. A estimativa da
Associação Brasileira das Empresas de Cartões de Crédito e Serviços (Abecs) é
de que o volume de transações com cartões tenha crescido 23% em 2011 ante 2010,
a R$ 668,5 bilhões.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
"A apropriação de parte da receita de serviços das
credenciadoras e a participação do Bradesco na Cielo [de 28,5%] são os
componentes mais representativos da renda com cartão", afirma Rappaport,
da Bradesco Cartões. O Bradesco apresentou uma evolução de 18,5% da receita com
cartão em 2011 ante 2010, que totalizou R$ 4,86 bilhões. A base de cartões de
crédito e débito do banco cresceu 7,2% em igual período.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
A receita com cartão do Santander subiu 17,9% em 2011 ante
2010, e sua base de cartões de crédito e débito, 11,8%, totalizando 41,7 milhões.
Se considerados somente os cartões de crédito, o crescimento da base foi um
pouco menor, de 7,8%, para 12,4 milhões.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
O Santander esclarece, em nota, que a diferença entre o
crescimento da base de cartões e da receita com o produto se deve a diversos
fatores. "Dentre eles destacamos a intensificação do relacionamento com
clientes de alta renda oriunda da oferta integrada de cartão e conta corrente
Santander Van Gogh, que disponibiliza benefícios para o cliente e incrementa o
uso do cartão. Entre as vantagens estão a oferta de duas bandeiras de cartões
Platinum, que não têm cobrança de anuidade."</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-38879277494878360082012-04-10T20:25:00.001-03:002012-04-10T20:25:52.198-03:00PAGSEGURO LANÇA VERSÃO OTIMIZADA PARA PAGAMENTOS COM CELULAR<!--[if gte mso 9]><xml>
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portal Executivos Financeiros 12/03/2012</div>
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<br /></div>
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O PagSeguro, empresa especializada no mercado em solução
para pagamentos online, lança um novo checkout, mais prático e rápido para
pagamentos realizados através do celular. A versão mobile está disponível para
smartphones touchscreen com sistema operacional que possa rodar javascript como
IPhone, Android, Nokia Symbian/MeeG, entre outros.</div>
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<br /></div>
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Para o usuário, esta nova funcionalidade será transparente.
Ao acessar qualquer uma das mais de 200.000 lojas que utilizam o PagSeguro
através de um celular compatível, todas as telas dos fluxo de checkout do
PagSeguro já serão adaptados automaticamente para oferecer a melhor experiência
de navegação.</div>
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<br /></div>
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Segundo dados da Anatel de novembro de 2011 são 236 milhões
de celulares ativos no Brasil e 38,7 milhões de pessoas que acessam a internet
de forma móvel.</div>
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<br /></div>
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“O objetivo do PagSeguro, com a criação do checkout mobile, é
disponibilizar mais uma opção tanto para os vendedores, que passam a oferecer
uma forma de compra mais rápida e prática, quanto para os compradores, que
contam com a comodidade de efetuar suas compras onde quer que estejam”, afirma
Ricardo Dortas, diretor do PagSeguro.</div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-6506546106624717892012-04-09T22:05:00.003-03:002012-04-09T22:05:47.663-03:00GIESECKE & DEVRIENT LANÇA NOVO EQUIPAMENTO COMPACTO PARA PROCESSAMENTO DE CÉDULAS<!--[if gte mso 9]><xml>
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portal Segs 11/03/2012 - Wilians Geminiano </div>
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<br /></div>
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A Giesecke & Devrient (G&D), provedora de tecnologia
para processamento de numerário, meios de pagamento e telecomunicações, acaba
de anunciar o lançamento do BPS C1, equipamento de pequeno porte, robusto e de
alto desempenho para processamento de numerário, para a sua linha de sistemas
desktop. O novo equipamento possui duas gavetas, uma para cédulas processadas e
outra para rejeitos, possui velocidade de contagem de até 1.500 cédulas por
minuto - a mais rápida em sua categoria. Ele oferece maior precisão para
aplicações de processamento de cédulas e é capaz de processar até 10 moedas
diferentes (Ex: Real. Dólar, Euro, Yen, etc). </div>
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A BPS C1 foi projetada para ser altamente flexível e
permitir que duas pessoas possam usar o mesmo equipamento em paralelo, tornando
o investimento no sistema ainda mais rentável. O painel de controles frontal e
seu sistema de abertura foram projetados para simplificar a operação e serviço
e reduzir significativamente o espaço requerido na mesa para a máquina.</div>
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"A BPS C1 combina funcionalidade, design ergonômico e
qualidade em uma peça compacta. É a solução perfeita para os usuários que necessitam
de uma máquina que ocupa um mínimo de espaço e o produto ideal para a
integração em Cash Centers de pequeno e médio porte no tratamento do ciclo do
numerário ", afirma Ralf Wintergerst, vice-presidente sênior e chefe da
divisão de processamento de cédulas da Giesecke & Devrient, descrevendo o
conceito de design do novo sistema.</div>
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O novo produto, segundo Wintergerst, estabelece um novo
padrão nesta categoria de máquinas para a velocidade com que as notas podem ser
processadas. Em frações de segundo, a máquina com seus sensores de alta
precisão é capaz de verificar a autenticidade e denominações das notas e
classificá-los com base em sua denominação, orientação e série de emissão.
Cédulas suspeitas e inúteis são direcionadas automaticamente para o compartimento
de rejeitos. “Se necessário, a BPS C1 pode ser equipada para ler os números de
série de notas e códigos de barras, por exemplo, bilhetes de cassino. Como
outra opção, as notas podem ser classificadas em três classes de acordo com a
condição física em que estão: distinção entre as notas adequadas para caixas
eletrônicos, notas aptas para a circulação e as notas que não servem mais para
a circulação. A BPS C1 pode ser configurada para atender às necessidades
específicas de cada usuário”, explica o executivo.</div>
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O tamanho reduzido e o conveniente sistema de acesso frontal
fazem a BPS C1 a escolha ideal para agência bancárias, onde podem ser
instaladas entre caixas, na tesouraria ou em uma sala de conferência na agência
bancária. As múltiplas funções e modos operacionais da BPS C1 também a torna
adequada para uso em centros de processamento de numerário, cassinos e em
empresas de transporte de valores. O equipamento, que também pode ser usado
para o processamento preliminar dos depósitos de caixa, se integra aos fluxos
de trabalho estabelecidos e é compatível com o software de gestão de caixa
G&D existente. “A excelente qualidade de construção da BPS C1 garante uma
longa vida útil - um benefício adicional que faz com que seja um investimento
rentável”, afirma Wintergerst.</div>
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A BPS C1 também pode ser integrada aos sistemas de
processamento da Giesecke & Devrient, incluindo o software de cash
management. “Sua excelente qualidade de construção garante uma longa vida útil
ao equipamento, com todo o suporte técnico local a partir das subsidiárias da
G&D, o que garante ao produto um benefício adicional de grande valor, o que
o torna um investimento altamente rentável”, destaca o executivo.</div>
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informações: http://www.gi-de.com</span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-42050827595967340442012-04-09T22:03:00.002-03:002012-04-09T22:03:29.284-03:00DISPARA VOLUME DE NEGÓCIOS COM REDECARD<!--[if gte mso 9]><xml>
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jornal Valor Econômico 12/03/2012 - Natalia Viri </div>
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<br /></div>
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Um mês após o anúncio da oferta para o fechamento de capital
da Redecard, o preço das ações da credenciadora de cartões permanece
estacionado em torno dos R$ 35 proposto pelo controlador Itaú Unibanco para
tirar a empresa da bolsa. O valor ainda será acrescido de dividendos de R$ 1,10
a serem pagos entre abril e maio.</div>
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<br /></div>
<div class="MsoNormal">
O volume de negociações do papel, no entanto, sinaliza que
há minoritários não tão contentes com a oferta. A média diária de giro do papel
passou de R$ 60 milhões em 2011 para cerca de R$ 200 milhões desde que a oferta
foi anunciada, em 7 de fevereiro.</div>
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<br /></div>
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Ou seja, ao mesmo tempo em que há investidores já
antecipando a realização dos lucros aos R$ 35, há um grande número de
acionistas comprando os papéis, à espera de que o preço possa aumentar.</div>
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<br /></div>
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Segundo um operador de mesa de ações, ao contrário do que se
possa imaginar, os investidores que estão comprando o papel agora não são, em
sua maioria, fundos de hedge ou que adotam estratégias mais de curto prazo. São
investidores de longo prazo da empresa descontentes com o preço.</div>
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<br /></div>
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"Esses investidores estão se posicionando para ganhar
peso para contestar a operação", afirma. Para concluir o fechamento de
capital da Redecard, o Itaú precisa que investidores representantes de pelo
menos dois terços das ações em circulação aceitem se desfazer de seus papéis na
oferta.</div>
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<br /></div>
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"A sensação é de decepção com o preço oferecido",
afirmou um gestor de fundos brasileiros com grande posição em Redecard.
"Mas não estamos comprando, não vale a pena entrar em nenhuma discussão
antes que seja publicado o laudo ou o edital preliminar da oferta",
ponderou.</div>
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<br /></div>
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De fato, o debate deve esquentar na próxima semana, após a
divulgação do laudo de avaliação que está sendo elaborado pelo Rothschild &
Sons. O banco de investimentos foi escolhido pelos acionistas da Redecard para
avaliar o preço justo da operação.</div>
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<br /></div>
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Quando anunciou a oferta, porém, o Itaú já disse que o teto
será de R$ 35. Se a avaliação apontar preço maior, o banco poderá desistir da
operação. Mas há a possibilidade de que o Itaú venha a aumentar o valor
proposto - a decisão cabe apenas ao controlador.</div>
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<br /></div>
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E é nisso que tem apostado uma parte do mercado. A alegação
da maioria dos investidores contrários à oferta é que a ela não contempla o
potencial de crescimento da empresa no longo prazo.</div>
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<br /></div>
<div class="MsoNormal">
Na visão de Sudhir Roc-Sennett, gestor de renda variável da
Vontobel, asset americana com R$ 20 bilhões sob gestão, o preço justo seria de
R$ 55. Esse valor embute um múltiplo entre preço e lucro de 30 vezes, próximo
ao obtido na abertura da capital. Atualmente, essa relação está em 16 vezes.</div>
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<br /></div>
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Roc-Sennett já disse que a Vontobel não entrará na oferta
por um valor menor do que esse. De acordo com dados da "Bloomberg", a
asset detém cerca de 1% dos papéis em circulação da Redecard.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Entre os analistas que cobrem sistematicamente a ação há
também quem recomende que os investidores não vendam seus papéis. Henrique
Navarro, analista do Santander, é enfático: "O Itaú está ciente de que
existe espaço para melhoria dessa oferta inicial". Em sua avaliação,
olhando apenas os fundamentos e desconsiderando a oferta, o preço-alvo para as
ações da Redecard no próximos 12 meses é de R$ 39 - com recomendação de compra.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
E, sob o guarda-chuva integral do Itaú, esse valor poderia
chegar a R$ 50, segundo o analista. Entre os potenciais ganhos nesse cenário,
Navarro destaca a associação com a Hipercard, bandeira 100% controlada pelo
Itaú, ganhos de sinergia, redução de custos e benefícios fiscais com a
amortização de ágio.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
O analista reconhece que os investidores não podem pedir que
o Itaú divida todos os ganhos com a operação, mas assinala: "Como a
Redecard é estratégica para o banco, é razoável que o preço fique num valor
intermediário, por volta dos R$ 40".</div>
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<br /></div>
<div class="MsoNormal">
Paulo Ribeiro, analista do HSBC, também acredita que o banco
possa ter de desembolsar uma espécie de "prêmio de controle" para
fechar o capital da subsidiária. Ele engrossa o coro dos analistas que
recomendam a compra do papel, com preço-alvo nos próximos 12 meses também de R$
39. Em seus cálculos, num cenário em que o Itaú conclua a oferta, esse valor
poderia chegar a R$ 41, por conta dos ganhos com a bandeira Hipercard.</div>
<div class="MsoNormal">
<br /></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-24558796875066124632012-04-09T22:00:00.004-03:002012-04-09T22:00:55.328-03:00NOVAS OPÇÕES PARA O PAGAMENTO DAS FATURAS DO CARTÃO C&A<!--[if gte mso 9]><xml>
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portal Fator Brasil 10/03/2012</div>
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<br /></div>
<div class="MsoNormal">
A C&A amplia a partir desse mês a rede de recebimento
das faturas do Cartão C&A. Os clientes do cartão próprio da loja –
administrado pelo Banco Bradesco – poderão pagar suas faturas em qualquer
agência bancária, casa lotérica ou caixa de autoatendimento, além das mais de
200 lojas da marca distribuídas pelo país. O objetivo é oferecer mais
comodidade aos clientes da maior rede de varejo de moda do Brasil</div>
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<br /></div>
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A iniciativa é resultado de uma pesquisa realizada pela
empresa que apontou alta receptividade dos consumidores à ampliação da rede de
recebimento. Todos os clientes que possuem cartão C&A poderão contar com
essa facilidade e assim escolher onde querem efetuar o pagamento de sua fatura
mensal.</div>
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<br /></div>
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C&A -Líder do mercado varejista de moda brasileiro e há
mais de 35 anos no país, a C&A foi criada em 1841 pelos irmãos Clemens e
August, e a união de suas iniciais deu origem ao nome da empresa. A primeira
loja foi inaugurada na Holanda, em 1861. A rede tornou-se uma das primeiras no
mundo a oferecer roupas prontas aos consumidores. Em 1911, com o crescimento do
negócio, a empresa instalou-se na Alemanha, e, posteriormente, em outros países
da Europa.</div>
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<br /></div>
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A C&A possui, atualmente, mais de 1,8 mil lojas na
Europa, América Latina e Ásia. No Brasil, a primeira loja foi inaugurada em
1976. Hoje, a C&A está presente em mais de 90 cidades brasileiras, com mais
de 200 lojas. A Rede criou em 2006 a empresa independente SOCAM (Organização de
Serviço para Gestão de Auditorias de Conformidade), com o objetivo de buscar a
melhoria contínua das condições de trabalho na sua cadeia produtiva. Com a
SOCAM, a C&A tornou-se a primeira rede de varejo do Brasil a auditar toda a
sua cadeia produtiva.</div>
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<br /></div>
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A companhia também foi a primeira do setor a assinar, em
2010, o Pacto Nacional pela Erradicação do Trabalho Escravo no Brasil, que visa
implementar ferramentas para que empresas e a sociedade brasileira não
comercializem produtos de fornecedores que usaram trabalho irregular.</div>
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<br /></div>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-19093010.post-54779022568330009682012-04-09T22:00:00.001-03:002012-04-09T22:00:08.308-03:00FITTA CASH NO MASTERCARD SURPREENDA<!--[if gte mso 9]><xml>
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<br />
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portal Fator Brasil 09/03/2012 </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
O FITTA Cash Passport, cartão pré-pago da rede FITTA
Turismo, pioneira em franchising em agências de turismo com foco em câmbio no
País, agora pode ser cadastrado do Programa MasterCard Surpreenda. Para
participar, o usuário precisa apenas cadastrar seu cartão no site
www.naotempreco.com.br, e a partir daí, cada transação vale um ponto. Os pontos
acumulados podem ser trocados por benefícios no sistema “pague um e leve dois”
como assinaturas de revistas, passagens aéreas, utensílios domésticos, ingresso
para shows, entre outros.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
O turista brasileiro está se familiarizando cada vez mais
com o cartão pré-pago, já que a sua taxa de IOF é de apenas 0,38% ante 6,38%
para compras internacionais realizadas por cartão de crédito. “Além de
economizar, os clientes poderão usufruir dos benefícios do programa que conta
com parceiros de grande valor agregado para os nossos clientes”, afirma o
presidente da empresa, Rodrigo Macedo.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Aceito para compras em cerca de 32 milhões de
estabelecimentos e para saque em mais de 1,8 milhão de caixas automáticos em
todo o mundo, o FITTA Cash Passport pode ser carregado em dólares americanos,
euros ou libras, antes e durante a viagem, de acordo com a conveniência do
cliente.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Entre os diferenciais do cartão estão o chip de segurança, senha
e assinatura pessoal, prazo de validade de cinco anos, ausência de anuidade,
emissão automática (fica pronto na hora), e capacidade de armazenamento de até
US$ 60 mil por ano, a maior do mercado dos pré-pagos. “Uma das grandes
vantagens é a questão do fechamento do dólar no momento da carga do cartão, o
que protege nossos clientes da variação cambial, comum nos cartões de crédito –
fechamento do câmbio no dia do vencimento da fatura – o que dá mais controle e
segurança nos gastos internacionais.”, afirma Macedo.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Atualmente, a rede Fitta é o principal emissor dos cartões
pré-pagos para viagens internacionais emitidos com a bandeira MasterCard.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Pogramar jantar. Uma viagem. Tudo é melhor quando você pode
compartilhar com alguém que você gosta.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Grupo FITTA -FITTA Turismo: Pioneira em franchising de
agências de turismo com foco em câmbio no Brasil, que, desde 2007, oferece ao
investidor a oportunidade de atuar no mercado legal de câmbio. A companhia
prima pela ética de procedimentos e é baseada em princípios como modernidade,
inovação e legalidade - adotando a própria postura do governo de combater
operações ilegais, conhecidas pelo mercado como câmbio paralelo ou Black. A
FITTA é associada à ABF – Associação Brasileira de Franchising.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
FITTA DTVM: Distribuidora de Títulos e Valores Mobiliários,
a Instituição Financeira tem foco no comércio atacadista de câmbio e de moedas
estrangeiras. Credenciada pelo Banco Central do Brasil, é responsável pela
concessão das autorizações de funcionamento das franquias do Grupo e é parceira
oficial de câmbio da ABAV – Associação Brasileira de Agências de Viagens.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Reserva Metais: é líder no mercado formal de ouro e metais
preciosos no Brasil, sendo uma das principais fornecedoras das agências de
publicidade e de grandes companhias que realizam sorteios e premiações com
Certificados de Barra de Ouro ou Barras de Ouro Físicas no País. A companhia é
fruto da joint-venture dos grupos FITTA e Marsam (empresa com mais de 50 anos
de atuação e uma das únicas credenciadas pela BM&F no Brasil).</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Programa Surpreenda-O Surpreenda gera benefícios diretos aos
clientes que pagam suas compras com os cartões da bandeira MasterCard. Para
participar, basta cadastrar o cartão de crédito, débito ou pré-pago apenas uma
vez no site www.naotempreco.com.br. Após o cadastro, cada transação, de
qualquer valor, passa a valer um ponto. Os pontos podem ser trocados por
produtos ou serviços oferecidos pelos parceiros do programa: na compra de um
produto ou serviço, o consumidor leva outro. Entre os parceiros da promoção
estão TAM Viagens, Vivo, Vivara, Haagen Dazs, Tramontina, entre outros. O
programa MasterCard Surpreenda também oferece benefícios exclusivos para
clientes MasterCard Platinum e Black.Sobre a MasterCard Worldwide.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
MasterCard (NYSE: MA) [www.mastercard.com], é uma empresa
global de tecnologia e pagamentos. Ela opera a rede de processamento de
pagamentos mais rápida do mundo, conectando consumidores, instituições
financeiras, lojistas, empresas comerciais e estatais em mais de 210 países e
territórios. Com os produtos e as soluções da MasterCard, as atividades
comerciais cotidianas – tais como fazer compras, viajar, administrar um negócio
e gerenciar as finanças – ficam mais fáceis, seguras e eficientes para todos.
Siga-nos no Twitter @mastercardnews, acompanhe o blog The Heart of Commerce e
inscreva-se para receber as notícias mais recentes.</div>
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<br /></div>Unknownnoreply@blogger.com0