Pix Evolution and Implementation
SUMMARY
PRESENTATION
IDEALIZATION
EVOLUTION
NUMBERS
FUTURE
2021
In addition to this evolving agenda, the continuous monitoring of Pix usage
patterns and the diagnosis of users' needs provide relevant information
for the development of new functionalities and for the improvement of
policies and rules, with the aim of increasing competitiveness and ensuring
Pix's high operating and safety standards. The combination of these two
movements meant that Pix had relevant deliveries and improvements in its
initial years of operation.
INFOGRAPHIC 4
Deliverables during the 2021/2022 biennium
2.1 Features to increase user convenience
2.1.1 Phonebook integration
Since March 2021, institutions participating in Pix have been able to develop
solutions to integrate the applications used to carry out Pix operations
to the customers' cell phonebook. This integration aims to facilitate the
identification of users who register the phone number or email as a Pix alias,
further simplifying payment experience, as it eliminates the need to manually
enter a payee's Pix alias stored as a contact in the phonebook.
Future dated billing
8-8
+8
Regulatory improvements
R$
Pix Withdrawal and Pix Change
Functionalities to
user convenience
2022
Security measures
2.1.2 Mandatory transaction scheduling
The possibility of scheduling Pix future transactions, which has been an
optional feature since the beginning of the ecosystem, became mandatory
as of September 2021. Pix scheduling works similarly to the scheduling
procedure of other existing eletronic transfers in Brazil (TED or DOC), allowing
users to choose a future date for the transaction settlement and cancelling
the transaction until the settlement's eve. The BCB recommends that
institutions also make available the option of scheduling recurring payments.
This functionality, however, remains optional.
Payment initiation
service provider
Communication
and education
2.1.3 Accessibility - Pix is for everyone
A common guideline for all actions involving Pix is the democratization of
access for the entire Brazilian population to digital means of payment. For
this purpose to be achieved, it is necessary to ensure that the use of Pix is
accessible to all citizens, including those with specific needs, such as people
with disabilities or reduced mobility.
The BCB defined in July 2021 accessibility guidelines for the user.
experience, which needed to be observed by institutions that offer Pix to
their customers. Additionally, the BCB acts as a promoter for the adoption
of inclusive solutions, encouraging the implementation of mechanisms so
that those customers can use Pix autonomously. The BCB discloses, on a
specific webpage with a sign language version, the solutions developed by
the institutions to serve people with visual impairment, hearing impairment,
physical disability or reduced mobility.
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