FAQ

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Open Keys FAQ

What is Open Keys and what is its purpose?

Open Keys is a Finansystech by Celcoin branded product that allows unregulated companies to access and use their customers' financial data in a secure and convenient way. Its aim is to simplify access to financial data through the regulated Open Finance ecosystem.

What are the main benefits of Open Keys for unregulated companies?

• Access to customers' financial data with consent, allowing to offer personalized products and more advantageous conditions.

• Simplification and convenience in managing customers' financial data through a complete dashboard.

• Advanced security, eliminating reliance on screen scraping.

• Access to financial data from unregulated sources, expanding the reach and offer of financial products and services.

How does Open Keys help companies access and utilize their customers' financial data?

Open Keys connects companies to the regulated Open Finance ecosystem through a single API, allowing unlocking access to financial data for all customers. This eliminates the need for multiple integrations and simplifies the process of getting the data you need.

What are the benefits of accessing financial data from unregulated sources?

In addition to allowing access to financial data from regulated sources, Open Keys also allows access to financial data from non-regulated sources, such as telecoms, technology platforms, insurance, pension plans, among others. This expands the reach and offer of financial products and services to clients not linked to institutions authorized by the Central Bank.

How does Open Keys ensure the security of customers' financial data?

Open Keys uses technologies within the regulated environment of Open Finance, ensuring the protection of financial data. This eliminates the need for screen scraping, providing a safer and more reliable experience.

What are the main features of Open Keys in terms of payments and transfers?

Open Keys offers payment and transfer functionality that allows companies to carry out transactions in a simple and convenient way, without the need to access the client's bank application. This improves the user experience and makes it easier for users to control their financial lives.

How does Open Keys simplify the process of obtaining financial data?

Open Keys offers a unified platform and an intuitive dashboard that allows you to view and manage your customers' financial data in a complete and unified way. This simplifies the process of obtaining the data needed to offer customized products and services.

What are the benefits of Open Keys Data Sharing?

• Access to customer data history at banking institutions, allowing you to offer personalized products and services at more competitive rates.

• Agility in obtaining the necessary data, eliminating the need for multiple requests and reducing integration time.

How does Data Sharing broaden the reach and offering of financial products?

Data Sharing expands the reach and offer of financial products by allowing access to customers' financial data, even if they are not linked to regulated financial institutions. This makes it possible to create customized products and offer more advantageous conditions to a larger audience.

How is Open Keys ITP (Payment Transaction Initiation) faster and cheaper than other solutions?

Open Keys ITP offers a payment and transfer solution that is faster and cheaper than other solutions available on the market. This is possible thanks to direct integration with the regulated Open Finance ecosystem, eliminating intermediaries and reducing costs and processing time.

What are the benefits of ITP for unregulated companies?

• Ease and speed in making payments and transfers to customers, without the need to access the bank application.

• Reduction of operational costs and greater efficiency in the processing of financial transactions.

• Improved user experience, providing a more convenient and intuitive way to transact.

How is the user experience enhanced by using Open Keys?

Using Open Keys improves the user experience by providing a simplified and convenient way to manage and perform financial transactions. Customers no longer need to access different applications and platforms to view their information and make payments, which makes the process more intuitive and efficient.

Does Open Keys offer integration with other systems?

Yes, Open Keys is designed to be easily integrated with other systems and platforms, providing a complete solution for unregulated companies that want to access and utilize their customers' financial data.

How does Open Keys guarantee traceability and transparency in transactions?

Open Keys uses technologies that ensure traceability and transparency in financial transactions. All transactions carried out are recorded and can be tracked, which increases security and confidence in operations.

What are White Label journeys and how can they be customized in Open Keys?

White Label journeys on Open Keys are personalized and exclusive experiences offered by companies to their customers, with the company's brand. These journeys can be fully customized, from the user interface to the available functionalities, providing a unique experience aligned with the company's identity.