{"id":9550,"date":"2025-06-09T16:48:58","date_gmt":"2025-06-09T19:48:58","guid":{"rendered":"https:\/\/fenati.org.br\/?p=9550"},"modified":"2025-06-10T14:32:42","modified_gmt":"2025-06-10T17:32:42","slug":"bb-adota-ia-generativa-para-gestao-financeira","status":"publish","type":"post","link":"https:\/\/homolog.fenati.org.br\/en\/bb-adota-ia-generativa-para-gestao-financeira\/","title":{"rendered":"BB adota IA generativa para auxiliar gest\u00e3o financeira de clientes"},"content":{"rendered":"<p><strong>IA Generativa &#8211;<\/strong> O <a href=\"https:\/\/pt.wikipedia.org\/wiki\/Banco_do_Brasil\">Banco do Brasil<\/a> (BB) est\u00e1 utilizando intelig\u00eancia artificial (IA) para auxiliar seus clientes na organiza\u00e7\u00e3o das finan\u00e7as pessoais. A plataforma Minhas Finan\u00e7as Multibanco, dispon\u00edvel no aplicativo e no site da institui\u00e7\u00e3o, agora incorpora tecnologias de IA generativa para oferecer orienta\u00e7\u00f5es sob medida.<\/p>\n<p>Com essa iniciativa, o BB se consolida como o primeiro banco do pa\u00eds a empregar intelig\u00eancia artificial na intera\u00e7\u00e3o com correntistas e na recomenda\u00e7\u00e3o de investimentos para pessoas f\u00edsicas. As sugest\u00f5es s\u00e3o adaptadas de acordo com o perfil financeiro e as necessidades de cada usu\u00e1rio.<\/p>\n<p><a href=\"https:\/\/fenati.org.br\/bancos-juros-abusivos-excluidos-consignado-clt\/\"><strong>LEIA: Bancos que praticam juros abusivos podem ser exclu\u00eddos do consignado CLT<\/strong><\/a><\/p>\n<p>Entre as recomenda\u00e7\u00f5es dispon\u00edveis est\u00e3o orienta\u00e7\u00f5es sobre as melhores op\u00e7\u00f5es de cr\u00e9dito e a utiliza\u00e7\u00e3o do open finance (compartilhamento de dados entre institui\u00e7\u00f5es financeiras) para obter condi\u00e7\u00f5es mais favor\u00e1veis em negocia\u00e7\u00f5es.<\/p>\n<p>Em comunicado, o BB destacou que a novidade atende a uma determina\u00e7\u00e3o do Banco Central de 2023, que estabelece diretrizes para a organiza\u00e7\u00e3o do or\u00e7amento pessoal e familiar.<\/p>\n<p>A institui\u00e7\u00e3o tamb\u00e9m ressaltou que a IA pode contribuir para a sustentabilidade financeira do banco. Ao seguir as recomenda\u00e7\u00f5es e optar pelas melhores linhas de cr\u00e9dito, os clientes tendem a reduzir inadimpl\u00eancias, diminuindo as provis\u00f5es para perdas e aumentando a satisfa\u00e7\u00e3o e reten\u00e7\u00e3o dos correntistas.<\/p>\n<p>Anteriormente, o Minhas Finan\u00e7as j\u00e1 utilizava IA para classificar transa\u00e7\u00f5es em categorias como transporte, sa\u00fade e educa\u00e7\u00e3o. Somente em 2024, a ferramenta processou mais de 15 bilh\u00f5es de registros, com uma taxa de precis\u00e3o de 91%. A grande novidade agora \u00e9 o uso de IA generativa para fornecer conselhos personalizados.<\/p>\n<h4>Open Finance<\/h4>\n<p>Dispon\u00edvel gratuitamente, o Minhas Finan\u00e7as tem como objetivo promover a educa\u00e7\u00e3o financeira e otimizar o planejamento dom\u00e9stico. De acordo com o banco, a plataforma registra mais de 460 milh\u00f5es de acessos anuais, com mais de 25 milh\u00f5es de usu\u00e1rios \u00fanicos e 7 milh\u00f5es de pessoas atendidas mensalmente.<\/p>\n<p>Dentre as funcionalidades oferecidas est\u00e3o a categoriza\u00e7\u00e3o autom\u00e1tica de gastos, planejamento or\u00e7ament\u00e1rio, extrato consolidado (com saldos de m\u00faltiplas institui\u00e7\u00f5es), controle de receitas e despesas, monitoramento de gastos e agenda financeira.<\/p>\n<p>Desde 2022, o Minhas Finan\u00e7as opera em conjunto com o open finance, reunindo informa\u00e7\u00f5es de contas em diferentes bancos.<\/p>\n<p>Com essa integra\u00e7\u00e3o, a ferramenta j\u00e1 realizou mais de 3 milh\u00f5es de planejamentos financeiros, totalizando mais de R$ 22 bilh\u00f5es em valores analisados. Segundo o BB, as sugest\u00f5es proporcionaram uma economia superior a R$ 7,5 bilh\u00f5es para seus clientes.<\/p>\n<p><em><strong>(Com informa\u00e7\u00f5es de Ag\u00eancia Brasil)<\/strong><\/em><br \/>\n<em><strong>(Foto: Reprodu\u00e7\u00e3o\/Ag\u00eancia Brasil\/Marcelo Camargo)<\/strong><\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Sistema Minhas Finan\u00e7as agora inclui recomenda\u00e7\u00f5es personalizadas para usu\u00e1rios feitas por intelig\u00eancia artificial generativa<\/p>","protected":false},"author":11,"featured_media":9551,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[13],"class_list":["post-9550","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ti","tag-sindical"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>BB adota IA generativa para auxiliar gest\u00e3o financeira de clientes - 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