{"id":31146,"date":"2026-10-26T16:47:03","date_gmt":"2026-10-26T15:47:03","guid":{"rendered":"https:\/\/nect.com\/media\/sem-categoria\/como-as-seguradoras-podem-acompanhar-os-neobrokers-com-o-plano-de-poupanca-para-a-reforma-de-2027\/"},"modified":"2026-10-27T20:13:54","modified_gmt":"2026-10-27T19:13:54","slug":"como-as-seguradoras-podem-acompanhar-os-neobrokers-com-o-plano-de-poupanca-para-a-reforma-de-2027","status":"publish","type":"post","link":"https:\/\/nect.com\/pt-pt\/media\/blog\/como-as-seguradoras-podem-acompanhar-os-neobrokers-com-o-plano-de-poupanca-para-a-reforma-de-2027\/","title":{"rendered":"Como as seguradoras podem acompanhar os neobrokers com o plano de poupan\u00e7a para a reforma de 2027"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"31146\" class=\"elementor elementor-31146 elementor-29670\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-08f0a1c e-flex e-con-boxed e-con e-parent\" data-id=\"08f0a1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a2c84ae elementor-widget elementor-widget-text-editor\" data-id=\"a2c84ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tA partir de 1 de janeiro de 2027, surgir\u00e1 com o Altersvorsorgedepot (AVD) um novo mercado para a previd\u00eancia privada subsidiada. Para seguradoras, bancos e prestadores de servi\u00e7os financeiros, n\u00e3o contar\u00e1 apenas quem oferece o produto mais atrativo, mas sim quem guia os clientes atrav\u00e9s da subscri\u00e7\u00e3o de forma r\u00e1pida, segura e totalmente digital. \u00c9 precisamente aqui que se decide o sucesso: a identifica\u00e7\u00e3o \u00e9 obrigat\u00f3ria, funcionando simultaneamente como alavanca de convers\u00e3o e risco de conformidade.   \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-828d3ae e-con-full e-flex e-con e-child\" data-id=\"828d3ae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40f457c elementor-widget elementor-widget-heading\" data-id=\"40f457c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Os pontos principais em resumo<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7824a1 elementor-widget elementor-widget-text-editor\" data-id=\"d7824a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Com o Altersvorsorgedepot (AVD), surgir\u00e1 a partir de 2027 um novo mercado competitivo, no qual seguradoras, bancos e neobrokers competir\u00e3o pelos mesmos clientes.<\/li><li>O processo de identifica\u00e7\u00e3o digital e KYC torna-se o fator de sucesso decisivo, uma vez que uma legitima\u00e7\u00e3o r\u00e1pida e sem quebras de suporte aumenta significativamente a convers\u00e3o, cumprindo simultaneamente os requisitos regulamentares.<\/li><li>Os prestadores devem integrar precocemente os seus processos de KYC e de assinatura, de modo a poderem oferecer uma jornada de subscri\u00e7\u00e3o escal\u00e1vel, em conformidade com o compliance e de f\u00e1cil utiliza\u00e7\u00e3o aquando do lan\u00e7amento no mercado.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4dd9e6 elementor-toc--minimized-on-desktop elementor-widget elementor-widget-table-of-contents\" data-id=\"d4dd9e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;container&quot;:&quot;#index-content&quot;,&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;Es wurden keine \\u00dcberschriften auf dieser Seite gefunden.&quot;,&quot;minimized_on&quot;:&quot;desktop&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&quot;],&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\t\u00cdndice\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__d4dd9e6\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__d4dd9e6\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__d4dd9e6\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bae915d e-con-full e-flex e-con e-child\" data-id=\"bae915d\" data-element_type=\"container\" data-e-type=\"container\" id=\"index-content\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c0d6ff elementor-widget elementor-widget-spacer\" data-id=\"3c0d6ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbd8aa3 elementor-widget elementor-widget-heading\" data-id=\"bbd8aa3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">O que \u00e9 o Altersvorsorgedepot<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-902c45d elementor-widget elementor-widget-text-editor\" data-id=\"902c45d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tO Altersvorsorgedepot \u00e9 uma conta de t\u00edtulos subsidiada pelo Estado para a previd\u00eancia privada. O seu objetivo \u00e9 tornar o atual universo Riester mais moderno, digital e orientado para o mercado de capitais. No futuro, os aforradores poder\u00e3o investir mais fortemente em ETFs, fundos e outros produtos de mercado de capitais eleg\u00edveis. Dependendo do modelo do produto, s\u00e3o poss\u00edveis solu\u00e7\u00f5es sem garantia, com 80 % de garantia ou com 100 % de garantia.    \n\nPara os prestadores, isto significa que n\u00e3o \u00e9 apenas a l\u00f3gica do produto que se altera, mas sobretudo a l\u00f3gica de subscri\u00e7\u00e3o; o produto standard deve poder ser subscrito digitalmente. Simultaneamente, os clientes esperam uma User Experience que \u00e9 hoje o padr\u00e3o em neobrokers, aplica\u00e7\u00f5es banc\u00e1rias e plataformas financeiras modernas.  \n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-581013c elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"581013c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f9d9d0 elementor-widget elementor-widget-heading\" data-id=\"6f9d9d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Seguradoras, bancos e neobrokers em concorr\u00eancia direta \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e7611f elementor-widget elementor-widget-text-editor\" data-id=\"3e7611f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>O KYC e o processo de subscri\u00e7\u00e3o digital podem tornar-se rapidamente cr\u00edticos para o neg\u00f3cio no caso do Altersvorsorgedepot. H\u00e1 anos que a identifica\u00e7\u00e3o e a legitima\u00e7\u00e3o constituem um dos maiores obst\u00e1culos \u00e0 digitaliza\u00e7\u00e3o de produtos financeiros e de previd\u00eancia. Com o Altersvorsorgedepot, este tema ganha ainda mais destaque. Cada passo adicional, cada quebra de suporte e cada tempo de espera deterioram a convers\u00e3o para os prestadores. Isto porque quem tem de se legitimar durante o onboarding, enviar documentos posteriormente ou aguardar por verifica\u00e7\u00f5es manuais, abandona o processo com muito mais frequ\u00eancia. Cada minuto de atraso \u00e9 um minuto em que os interessados podem decidir n\u00e3o concluir a subscri\u00e7\u00e3o. O Altersvorsorgedepot coloca agora, pela primeira vez, prestadores de diferentes universos em concorr\u00eancia direta. As seguradoras j\u00e1 n\u00e3o competem apenas com outras seguradoras, mas cada vez mais com neobrokers, bancos diretos e plataformas de investimento digital. Desta forma, os processos de onboarding digital, que at\u00e9 agora eram frequentemente vistos como uma quest\u00e3o operacional, tornam-se subitamente um fator de competitividade estrat\u00e9gica. Taxas de convers\u00e3o mais elevadas significam diretamente mais contratos celebrados, custos de aquisi\u00e7\u00e3o mais baixos e uma melhor escalabilidade do modelo de neg\u00f3cio. O AVD ser\u00e1 lan\u00e7ado num mercado onde muitos utilizadores j\u00e1 est\u00e3o habituados a aplica\u00e7\u00f5es financeiras digitais. Neobrokers e bancos diretos oferecem abertura de conta, negocia\u00e7\u00e3o de t\u00edtulos e identifica\u00e7\u00e3o, muitas vezes de forma totalmente digital e em poucos minutos. Este n\u00edvel tornar-se-\u00e1 o novo padr\u00e3o.            <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d694c0d elementor-widget elementor-widget-text-editor\" data-id=\"d694c0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Para as seguradoras, isto cria uma press\u00e3o especial. T\u00eam de cumprir requisitos regulamentares, deveres de consultoria e modelos de produtos mais complexos, fornecendo simultaneamente uma User Experience compar\u00e1vel \u00e0 das aplica\u00e7\u00f5es modernas. Uma boa tarifa ou uma promessa de produto forte n\u00e3o s\u00e3o suficientes se o processo de subscri\u00e7\u00e3o estagnar no momento decisivo.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1b4922 elementor-widget elementor-widget-text-editor\" data-id=\"c1b4922\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Simultaneamente, os requisitos regulamentares aumentam com a introdu\u00e7\u00e3o do AMLR e do <a href=\"https:\/\/www.digitale-verwaltung.de\/Webs\/DV\/DE\/digitale-identitaeten\/eidas-2-0\/eidas-2-0-node.html\" target=\"_blank\" rel=\"noopener\">eIDAS 2.0<\/a>. A verdadeira quest\u00e3o para os prestadores n\u00e3o \u00e9, portanto, apenas qu\u00e3o atrativo \u00e9 o seu Altersvorsorgedepot, mas se conseguem aliar os requisitos regulamentares a uma experi\u00eancia de cliente fluida. \u00c9 precisamente por isso que a configura\u00e7\u00e3o t\u00e9cnica da identifica\u00e7\u00e3o, assinatura e processos de KYC se torna um fator de competitividade decisivo para bancos, seguradoras e neobrokers no mercado do AVD. Esta poder\u00e1 determinar se as quotas de mercado se deslocar\u00e3o no futuro a favor dos pioneiros digitais que possibilitam uma subscri\u00e7\u00e3o totalmente digital e quase sem fric\u00e7\u00f5es.   <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31caec6 elementor-widget elementor-widget-heading\" data-id=\"31caec6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Uma an\u00e1lise da integra\u00e7\u00e3o t\u00e9cnica <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6ee8d5 elementor-widget elementor-widget-text-editor\" data-id=\"b6ee8d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Na subscri\u00e7\u00e3o digital de um Altersvorsorgedepot, diferentes fases interligam-se. No in\u00edcio, est\u00e3o a transpar\u00eancia e o esclarecimento atrav\u00e9s de informa\u00e7\u00f5es sobre o produto e a l\u00f3gica de subsidia\u00e7\u00e3o. Seguem-se a consultoria legalmente exigida, bem como a avalia\u00e7\u00e3o de adequa\u00e7\u00e3o. Superado este obst\u00e1culo, seguem-se a identifica\u00e7\u00e3o do novo cliente e a assinatura digital. O processo termina com a abertura da conta de t\u00edtulos e a subsequente comunica\u00e7\u00e3o com o cliente. Embora a maioria das etapas seja facilmente control\u00e1vel, a identifica\u00e7\u00e3o constitui o maior obst\u00e1culo para a convers\u00e3o e o compliance.     <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d918b86 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"d918b86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26c3797 elementor-widget elementor-widget-image\" data-id=\"26c3797\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen-1024x683.jpg\" class=\"attachment-large size-large wp-image-31148\" alt=\"Grande plano de uma mesa de reuni\u00e3o com v\u00e1rias pessoas sobre a solu\u00e7\u00e3o Altersvorsorgedepot para bancos e seguradoras\" srcset=\"https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen-1024x683.jpg 1024w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen-300x200.jpg 300w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen-768x512.jpg 768w, https:\/\/nect.com\/wp-content\/uploads\/2026\/10\/altersvorsorgedepot-loesung-fuer-banken-versicherungen.jpg 1200w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f862e6d elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"f862e6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ab4913 elementor-widget elementor-widget-heading\" data-id=\"2ab4913\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Para quem \u00e9 relevante a solu\u00e7\u00e3o?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-572def2 elementor-widget elementor-widget-text-editor\" data-id=\"572def2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li> <strong>Seguradoras<\/strong> que pretendam comercializar digitalmente produtos de previd\u00eancia subsidiada a partir de 2027.<\/li><li><strong>Bancos e caixas econ\u00f3micas<\/strong> que integrem produtos AVD em jornadas digitais de conta ou de dep\u00f3sito j\u00e1 existentes.<\/li><li><strong>Bancos custodiantes e corretores online<\/strong> que necessitem de aliar elevados volumes de subscri\u00e7\u00e3o a uma infraestrutura de KYC regulamentarmente robusta.<\/li><li><strong>Sociedades gestoras de fundos<\/strong> que estejam a criar, pela primeira vez, processos mais diretos para o cliente final em mat\u00e9ria de previd\u00eancia subsidiada.<\/li><li><strong>Fornecedores de plataformas<\/strong> que desenvolvam ofertas de AVD-as-a-Service para prestadores de servi\u00e7os financeiros.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d47886 elementor-widget elementor-widget-heading\" data-id=\"4d47886\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Como a Nect resolve a parte de KYC do Altersvorsorgedepot<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce5cebb elementor-widget elementor-widget-text-editor\" data-id=\"ce5cebb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A Nect fornece a <a href=\"https:\/\/nect.com\/pt-pt\/produtos\/nect-ident\/\" target=\"_blank\" rel=\"noopener\">infraestrutura de identifica\u00e7\u00e3o e assinatura digital<\/a> necess\u00e1ria para a subscri\u00e7\u00e3o do AVD. A solu\u00e7\u00e3o pode ser integrada em jornadas de subscri\u00e7\u00e3o existentes ou combinada com parceiros como parte de uma configura\u00e7\u00e3o de AVD mais ampla. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7a04ed elementor-widget elementor-widget-html\" data-id=\"b7a04ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"overflow-x:auto\">\n  <table>\n    <thead>\n      <tr>\n        <th>M\u00f3dulo Nect <\/th>\n        <th>Benef\u00edcio para o caso de uso AVD <\/th> \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n     \n      <\/tr>\n      <tr>\n        <td>eID \/ NFC <\/td>\n        <td>Identifica\u00e7\u00e3o digital com o cart\u00e3o de cidad\u00e3o online para n\u00edveis de confian\u00e7a particularmente elevados e processos de eID preparados para o futuro. <\/td> \n      <\/tr>\n      <tr>\n        <td>Auto Video-Ident <\/td>\n        <td>Procedimento complementar para grupos de utilizadores ou situa\u00e7\u00f5es em que um processo de identifica\u00e7\u00e3o assistido seja adequado.<\/td>\n      <\/tr>\n      <tr>\n        <td>Assinatura eletr\u00f3nica qualificada <\/td>\n        <td>Assinatura digital juridicamente segura diretamente no processo de subscri\u00e7\u00e3o, sem papel, envio postal ou quebra de suporte. <\/td> \n      <\/tr>\n      <tr>\n        <td>Verifica\u00e7\u00f5es de listas PEP e de san\u00e7\u00f5es <\/td>\n        <td>As verifica\u00e7\u00f5es relacionadas com o compliance podem ser integradas na jornada digital de KYC.<\/td>\n      <\/tr>\n      <tr>\n        <td>Documenta\u00e7\u00e3o audit\u00e1vel<\/td>\n        <td>Documenta\u00e7\u00e3o de processo e de verifica\u00e7\u00e3o rastre\u00e1vel para compliance, auditoria e comprovativos regulamentares.<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3be42d5 elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"3be42d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-795000f elementor-widget elementor-widget-heading\" data-id=\"795000f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Por que raz\u00e3o os prestadores devem agir agora <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8caef2 elementor-widget elementor-widget-text-editor\" data-id=\"e8caef2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tO lan\u00e7amento no mercado a 1 de janeiro de 2027 cria press\u00e3o temporal. O produto, a TI, os processos regulamentares, a consultoria, o KYC, a assinatura e a opera\u00e7\u00e3o devem interagir atempadamente. Especialmente a decis\u00e3o sobre o KYC deve ser tomada cedo, pois interfere profundamente na orienta\u00e7\u00e3o do utilizador, no compliance, nos fluxos de dados e na arquitetura t\u00e9cnica.   \n\nQuem integrar o processo de identifica\u00e7\u00e3o tardiamente arrisca quebras de suporte, uma convers\u00e3o fraca e retifica\u00e7\u00f5es dispendiosas. Quem encarar o KYC precocemente como um m\u00f3dulo central de infraestrutura poder\u00e1 tornar toda a jornada de subscri\u00e7\u00e3o mais est\u00e1vel, r\u00e1pida e escal\u00e1vel.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23f719c elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"23f719c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a84946 elementor-widget elementor-widget-heading\" data-id=\"0a84946\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ sobre o Altersvorsorgedepot<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a836eae elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"a836eae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-571bfd4 elementor-widget elementor-widget-n-accordion\" data-id=\"571bfd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9130\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-9130\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Por que raz\u00e3o o processo de KYC \u00e9 t\u00e3o importante no Altersvorsorgedepot?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9130\" class=\"elementor-element elementor-element-00202f6 e-con-full e-flex e-con e-child\" data-id=\"00202f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-416ff92 elementor-widget elementor-widget-text-editor\" data-id=\"416ff92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tO KYC \u00e9 um dos passos decisivos na subscri\u00e7\u00e3o digital. Se a identifica\u00e7\u00e3o demorar demasiado tempo, n\u00e3o for compat\u00edvel com o documento do utilizador ou gerar quebras de suporte, a convers\u00e3o diminui. Simultaneamente, os prestadores regulados devem assegurar a verifica\u00e7\u00e3o de identidade, a documenta\u00e7\u00e3o e as verifica\u00e7\u00f5es de risco de forma robusta.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9131\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9131\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Que m\u00e9todos de identifica\u00e7\u00e3o oferece a Nect para este caso de uso? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9131\" class=\"elementor-element elementor-element-01711e6 e-con-full e-flex e-con e-child\" data-id=\"01711e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78f737f elementor-widget elementor-widget-text-editor\" data-id=\"78f737f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tA Nect suporta o Video-Ident automatizado, o Nect ePass, o Nect eID, o Nect Wallet Re-Ident e est\u00e1 a preparar a liga\u00e7\u00e3o da EUDI Wallet. Isto permite aos prestadores abranger diferentes grupos de utilizadores atrav\u00e9s de uma plataforma de identidade central. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9132\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9132\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> O que distingue o Video-Ident automatizado do VideoIdent cl\u00e1ssico? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9132\" class=\"elementor-element elementor-element-4a8eb89 e-con-full e-flex e-con e-child\" data-id=\"4a8eb89\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41d8105 elementor-widget elementor-widget-text-editor\" data-id=\"41d8105\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tNo Video-Ident automatizado, a identifica\u00e7\u00e3o ocorre sem a interven\u00e7\u00e3o em direto de um agente de call center. Os utilizadores s\u00e3o guiados digitalmente atrav\u00e9s do processo. A Nect utiliza grava\u00e7\u00f5es de v\u00eddeo do documento de identifica\u00e7\u00e3o e um v\u00eddeo selfie \u2014 e n\u00e3o uma identifica\u00e7\u00e3o puramente baseada em fotos (Foto-Ident).  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9133\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9133\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Pode a Nect fazer parte de uma solu\u00e7\u00e3o AVD-as-a-Service mais ampla?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9133\" class=\"elementor-element elementor-element-e991108 e-flex e-con-boxed e-con e-child\" data-id=\"e991108\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a8e8a4f elementor-widget elementor-widget-text-editor\" data-id=\"a8e8a4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tA Nect foca-se no n\u00facleo de KYC e de identidade. Parceiros complementares podem abranger outros componentes da jornada de subscri\u00e7\u00e3o digital, como consultoria, avalia\u00e7\u00e3o de adequa\u00e7\u00e3o, l\u00f3gica de requerimento, processos de assinatura ou integra\u00e7\u00f5es em sistemas de plataforma e de gest\u00e3o.  \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-9134\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-9134\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Est\u00e1 a Nect preparada para a EUDI Wallet?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"icon icon-keyboard_arrow_down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-9134\" class=\"elementor-element elementor-element-6d830ca e-flex e-con-boxed e-con e-child\" data-id=\"6d830ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a930d6 elementor-widget elementor-widget-text-editor\" data-id=\"9a930d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tA Nect est\u00e1 a preparar a integra\u00e7\u00e3o da EUDI Wallet como uma via de identidade adicional. Assim, os prestadores podem planear as suas atuais jornadas de KYC de modo a que estas interajam futuramente com as carteiras de identidade digital europeias. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Por que raz\\u00e3o o processo de KYC \\u00e9 t\\u00e3o importante no Altersvorsorgedepot?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"O KYC \\u00e9 um dos passos decisivos na subscri\\u00e7\\u00e3o digital. Se a identifica\\u00e7\\u00e3o demorar demasiado tempo, n\\u00e3o for compat\\u00edvel com o documento do utilizador ou gerar quebras de suporte, a convers\\u00e3o diminui. Simultaneamente, os prestadores regulados devem assegurar a verifica\\u00e7\\u00e3o de identidade, a documenta\\u00e7\\u00e3o e as verifica\\u00e7\\u00f5es de risco de forma robusta.\"}},{\"@type\":\"Question\",\"name\":\"Que m\\u00e9todos de identifica\\u00e7\\u00e3o oferece a Nect para este caso de uso?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A Nect suporta o Video-Ident automatizado, o Nect ePass, o Nect eID, o Nect Wallet Re-Ident e est\\u00e1 a preparar a liga\\u00e7\\u00e3o da EUDI Wallet. Isto permite aos prestadores abranger diferentes grupos de utilizadores atrav\\u00e9s de uma plataforma de identidade central.\"}},{\"@type\":\"Question\",\"name\":\"O que distingue o Video-Ident automatizado do VideoIdent cl\\u00e1ssico?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No Video-Ident automatizado, a identifica\\u00e7\\u00e3o ocorre sem a interven\\u00e7\\u00e3o em direto de um agente de call center. 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Para seguradoras, bancos e prestadores de servi\u00e7os financeiros, ser\u00e1 fundamental guiar os clientes atrav\u00e9s do processo de subscri\u00e7\u00e3o de forma r\u00e1pida, segura e totalmente digital.  <\/p>\n","protected":false},"author":3,"featured_media":31147,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[804],"tags":[825,826],"class_list":["post-31146","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-identity-wallet","tag-industry-use-cases"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Altersvorsorgedepot 2027: como as seguradoras podem acompanhar o mercado<\/title>\n<meta name=\"description\" content=\"O Altersvorsorgedepot tornar-se-\u00e1 um teste de competitividade para seguradoras e neobrokers. 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