Connecting data is just the beginning.

The market signal has a time window

The volume published by the Central Bank of Brazil shows the use of shared data in credit operations. It doesn't measure the return of any specific platform, nor does it allow all lending to be attributed exclusively to Open Finance.

For those building products, the challenge is turning authorized access into an understandable experience. Asking for data sharing without explaining what job it helps get done adds a step to the journey without making its benefit clear.

Reference: Banco Central · Five years of Open Finance ↗

Start with the decision that needs context

One possible journey is reviewing a working capital proposal. The institution defines which information is relevant, how to assess its quality, and how to handle incomplete periods. The customer understands the purpose of the data sharing and tracks the status of the request.

Connecting all available data before choosing the question tends to increase complexity. Scoping should start from the business decision: what the additional information can clarify and what action is possible after the analysis. Technical availability is not the same as relevance.

Consent is journey state

The Central Bank of Brazil states that customers can revoke their data-sharing authorization at any time. The product must handle this change, as well as query failures, without pretending the flow continues under the same conditions.

The operational design also needs to distinguish what happened before the revocation from which new access is no longer possible. Processing and retention of data already received require a specific assessment. The interface should offer clear next steps, such as continuing with permitted information or asking the customer for another action.

On revocation: Central Bank of Brazil · Consent revocation ↗

The offer takes more than a connector

Between inquiry and contracting come data normalization, policy, calculation, pricing, formalization and monitoring. A useful composition makes these steps observable and lets you evolve one of them without hiding its effects on the others.

Results should be measured across the full journey: how many requests reach the expected outcome, where customers drop off and which data creates pending items. Approval, pricing and risk remain the institution's responsibility; more data does not guarantee better terms in every case.