Fernando S C Ferreira

digital fintech financial services integration digital first omnichannel integracao startups digital transformation transformação digital banking serviços financeiros open telecom open insurance open finance open banking disruption btg bacen bank 4.0 decoupling pagamentos nubank brasil ux inovacao api open bank digital strategy kakau thinkseg design thinking foursys insurtechbrasil insurtech insurance seguro big data innovation nocoderevolution digital architecture digibee customer experience nocodeintegration multicanal experiência do usuário nocode apps apis new business models titanium appcelerator brasil mobile app analytics mobile app development mobile apps analytics mobile app testing apps moveis