Fernando S C Ferreira

digital integration fintech foursys digital first integracao startups financial services open banking inovacao hip insurtech innovation digital architecture omnichannel digital transformation transformação digital banking serviços financeiros open telecom open insurance open finance disruption btg bacen bank 4.0 decoupling pagamentos nubank brasil ux api open bank digital strategy people agile cards payments digital health digital insurance governance legacysystems hybridintegrationplatform kakau thinkseg design thinking insurtechbrasil insurance seguro big data nocoderevolution 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