FEBRABAN Tech 2025, the largest technology and innovation event for the financial sector in Latin America, not only confirmed but expanded the perspective on the digital future of Brazil’s banking system. Research presented during the event reveals a rapid transformation in consumer behavior and sector investments, with a focus on mobile banking, Open Finance, Pix, and cybersecurity.
The Dominance of Mobile: 7 out of 10 Banking Transactions
Mobile banking has firmly established itself as the main channel for Brazilians to interact with banks. Between 2019 and 2023, the number of smartphone transactions grew by 251%, surpassing 130.7 billion operations in 2023—a 22% increase compared to the previous year. To put this into perspective: while total banking transactions in the country doubled during this period, mobile transactions grew 3.5 times more.
In 2024, this trend continued: 75% of banking transactions were carried out via mobile devices, within a total of 208.2 billion operations, according to the FEBRABAN Banking Technology Survey 2025.
Pix: Continuous Revolution and Retail Expansion
Pix continues to transform the financial sector. Between 2022 and 2023, the volume of Pix transactions grew by 74%, jumping from 24.1 billion to 41.9 billion. The tool has not only matured but become widely adopted: according to the Central Bank, Pix brought 71.5 million new users into the national financial system, promoting large-scale financial inclusion.
Moreover, the use of Pix at retail points of sale grew by 50%, driven by innovative payment methods such as dynamic QR codes (+254%), static QR codes (+194%), and manual data entry (+51%).
Open Finance: The Era of Financial Hubs
The consolidation of Open Finance was also a key topic at FEBRABAN Tech 2025. Brazilians are increasingly willing to share financial data with institutions that provide greater value, reinforcing the role of banks as integrated financial management platforms.
In 2025, 50% of banks already offered financial aggregators, up from 38% in 2023. This advancement positions the sector beyond traditional operations, delivering a digital experience that combines personalization, integration, and strategic financial management.
Messaging Apps: A Promising Frontier
While still representing a modest share of total operations, the use of messaging apps for banking transactions grew by 76% in 2023. This trend highlights the exploration of channels that are already part of consumers’ daily routines, diversifying interaction and service options.
All surveyed banks now offer support via messaging apps like WhatsApp, and 23% of them also offer services such as insurance through these channels.
Opportunities in Security, Integration, and Customer Experience
Digital transformation comes with a critical reminder: security and privacy are top priorities. The advancement of mobile banking, Pix, and Open Finance requires robust cybersecurity and compliance solutions—areas where Tuvis is well positioned to support the financial sector.
In addition, delivering personalized and integrated experiences is no longer a differentiator—it’s an expectation. According to the survey, 81% of bank-customer interactions in 2023 occurred via push notifications or SMS, highlighting the strength of direct and efficient communication.
Technology Investment: R$ 47.8 Billion in 2025
To keep up with this revolution, Brazilian banks are expected to invest R$ 47.8 billion in technology in 2025 alone. These resources are essential to enhance customer experience, strengthen digital security, and accelerate innovation—particularly in artificial intelligence, automation, and omnichannel integration.
FEBRABAN Tech 2025 delivered a clear message: the future of the financial sector will be digital, integrated, secure, and increasingly customer-centric. Brazil is at the forefront of this transformation, with consumers eager for convenience, personalization, and practicality.
At Tuvis, we closely follow this evolution to offer solutions that ensure security, compliance, and seamless integration in the digital messaging channels essential for banks, fintechs, and the broader financial ecosystem.
See how our solution brought innovation and recognition to one of our clients in this success story.
Talk to our specialists and discover how your institution can be ready for the digital financial future by delivering security and personalized service through messaging apps.
