banco digital - cmsportal.febraban.org.br · 7 a evolução do banco digital banco tradicional...
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BANCO DIGITAL S E G U R A N Ç A P A R A U M N O V O C O N C E I T O B A N C Á R I O
LUIZ FARO
SYSTEMS ENGINEER | TEAM LEAD
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2 © Copyright 2014 EMC Corporation. All rights reserved. © Copyright 2014 EMC Corporation. All rights reserved.
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inflexão Ponto de
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Era da Informação Era da INOVAÇÃO
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A evolução do banco digital
Banco
Tradicional
Digital
Banking
Mobile
Banking Internet
Banking
< 90’s 2000 2010 2015
Novo canal
transacional
Novo canal
transacional
Novo canal de
relacionamento
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Desafios de Negócio
Atender e fidelizar a nova geração
de consumidores
Manter-se a frente da
concorrência
Ofertas inovadoras
Manter todo o relacionamento
bancário no celular
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9 http://www.internetsociety.org/map/global-internet-report http://www.internetworldstats.com
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Likes concept… • Remove
“server room” from door
• Remove servers from inside; show futuristic world image to represent “age of technology enlightenment”
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Redução da barreira de
entrada
Amplitude geográfica
(recém) afrouxamento
regulatório
Novos bancos e “bancos”
FinTechs
Grandes bancos reagindo
Modelos:
Banco digitalizado
Front Digital
Banco Digital em Banco
Tradicional
API Banking
Novos Clientes, Novos Desafios, Novos Bancos
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3,8 milhões
de smartphones são vendidos no mundo diariamente
Fonte: Computerworld / Gartner
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60% das tentativas de fraude são
feitas por mobile Fonte: RSA “2016: Current State of Cybercrime”
https://www.rsa.com/content/dam/rsa/PDF/2016/05/2016-current-state-of-cybercrime.pdf
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Novo cenário de ameaças
Novo Ambiente
Novos serviços
Novas tecnologias
Novas fraudes
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Novo cenário de ameaças
Aumento de fraude de subscrição
Malware nacional
para dispositivos móveis
Jailbreak como ameaça
“Bloqueamos 30%
dos nossos clientes
no canal mobile por
causa do Jailbreak”
VP de Inovação
Grande Banco
Latinoamericano
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MUROS ALTOS
NAO RESOLVEM NOSSOS PROBLEMAS
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17 © Copyright 2014 EMC Corporation. All rights reserved. © Copyright 2014 EMC Corporation. All rights reserved.
Como mudar?
©Warner Bros. Entertainment Inc.
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1 - 2 - 3 - 4 - 5 Navigating Our New Terrain
1
2
3
4
5
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Visibilidade Conhecer o cliente (Know Your Customer)
Conhecer, proteger e monitorar os dispositivos
móveis
Entender e monitorar a navegação mobile (APPs)
Monitoramento de Transações
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Identidade
Assinatura de transações
Biometria
Comportamento
Redes Sociais
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Inteligência
Conhecer as ameaças
Antecipar os ataques
Fontes externas
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Priorização
Foco no que é crítico
Recursos limitados
Baixo impacto ao usuário final
Autenticação baseada em risco e multi-fator
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Quem acende uma luz é o primeiro a beneficiar-se da claridade. Gilbert Chesterton
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