{"id":8594,"date":"2023-03-15T09:30:00","date_gmt":"2023-03-15T09:30:00","guid":{"rendered":"https:\/\/www.sage.com\/pt-pt\/blog\/?p=8594"},"modified":"2025-07-23T14:00:36","modified_gmt":"2025-07-23T13:00:36","slug":"o-que-e-o-banking-as-a-service-baas","status":"publish","type":"post","link":"https:\/\/www.sage.com\/pt-pt\/blog\/o-que-e-o-banking-as-a-service-baas\/","title":{"rendered":"O que \u00e9 o Banking-as-a-Service (BaaS)?"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/category\/tecnologia-e-inovacao\/\" class=\"entry-header__link\">Tecnologia e Inova\u00e7\u00e3o<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tO que \u00e9 o Banking-as-a-Service (BaaS)?\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \">Publicado em <time class=\"entry-date published\" datetime=\"2023-03-15T09:30:00+00:00\">Mar\u00e7o 15, 2023<\/time><\/span><span class=\"reading-time\"> minutos de leitura<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"O que \u00e9 o Banking-as-a-Service (BaaS)?\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/pt-pt\/blog\/o-que-e-o-banking-as-a-service-baas\/\"\n\t\t\tdata-share-text=\"Por favor, leia este artigo interessante\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Partilhar<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copiar link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copiada<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/pt-pt\/blog\/author\/asavinwattanajantra\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2026\/03\/Asavin-350x350.jpg\" class=\"entry-author__image\" alt=\"\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2026\/03\/Asavin-350x350.jpg 350w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2026\/03\/Asavin-768x768.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2026\/03\/Asavin-810x810.jpg 810w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2026\/03\/Asavin.jpg 1000w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>\t\t\t\t<span class=\"entry-author__name\">Asavin Wattanajantra<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n\n\n<p class=\"wp-block-paragraph\">O Banking-as-a-Service (BaaS) \u00e9 um modelo de servi\u00e7o financeiro que se est\u00e1 a desenvolver a uma velocidade vertiginosa, tal como o&nbsp;<a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/open-banking-quais-as-oportunidades-para-os-gestores-financeiros-e-book\/#gate-68ea0513-84d1-4cd0-bae9-3a09703359b2\">open banking<\/a>&nbsp;ou a banca aberta.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Explicamos o que \u00e9 a banca como um servi\u00e7o, ou Banking-as-a-Service (BaaS), e como difere do open banking ou banca aberta.<\/li>\n\n\n\n<li>Descubra o que \u00e9 uma API e como funciona a banca como servi\u00e7o (BaaS).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">O modelo&nbsp;<strong>Banking-as-a-Service<\/strong>&nbsp;est\u00e1 a espalhar-se pela Europa, transformando o setor dos servi\u00e7os financeiros e acelerando a digitaliza\u00e7\u00e3o dos bancos. Est\u00e1 tamb\u00e9m a promover o surgimento de novos modelos de neg\u00f3cio e a impulsionar o&nbsp;<strong>desenvolvimento do ecossistema fintech<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A&nbsp;<strong>banca como servi\u00e7o (BaaS)<\/strong>&nbsp;\u00e9 o resultado do DSP2 (Diretiva de Servi\u00e7os de Pagamento), que tem permitido \u00e0s fintech oferecer servi\u00e7os financeiros. Isto tem sido um elemento perturbador na ind\u00fastria banc\u00e1ria, desenvolvendo a concorr\u00eancia e criando novas oportunidades de neg\u00f3cio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De acordo com a regulamenta\u00e7\u00e3o DSP2, as entidades banc\u00e1rias devem&nbsp;<strong>permitir a terceiros o acesso a contas de clientes<\/strong>&nbsp;para visualizar transa\u00e7\u00f5es ou iniciar um pagamento em seu nome, desde que haja o consentimento do titular da informa\u00e7\u00e3o e que o terceiro seja autorizado como agregador pelo Banco de Portugal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-o-que-e-a-banca-como-servico-ou-banking-as-a-service-baas\"><strong>O que \u00e9 a banca como servi\u00e7o, ou Banking-as-a-Service (BaaS)?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">O Banking-as-a-Service (BaaS) permite \u00e0s empresas&nbsp;<strong>oferecer produtos e servi\u00e7os financeiros aos seus clientes atrav\u00e9s de uma parceria com uma institui\u00e7\u00e3o financeira<\/strong>. Esta parceria facilita \u00e0s empresas n\u00e3o banc\u00e1rias ou fintech a incorpora\u00e7\u00e3o de servi\u00e7os banc\u00e1rios digitais diretamente nos seus pr\u00f3prios produtos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gra\u00e7as \u00e0 banca como servi\u00e7o (BaaS):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>as entidades banc\u00e1rias podem expandir o seu \u00e2mbito de a\u00e7\u00e3o,<\/li>\n\n\n\n<li>as fintech pode oferecer servi\u00e7os banc\u00e1rios,<\/li>\n\n\n\n<li>e os consumidores podem aceder a servi\u00e7os financeiros \u00e0 medida onde e quando precisarem deles.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Por outro lado, a concorr\u00eancia das fintech pode&nbsp;<strong>espremer as margens das institui\u00e7\u00f5es financeiras<\/strong>&nbsp;ou faz\u00ea-las perder quota de mercado perante institui\u00e7\u00f5es n\u00e3o banc\u00e1rias com melhores servi\u00e7os.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-qual-e-a-diferenca-entre-banca-como-servico-baas-e-open-banking-ou-banca-aberta\"><strong>Qual \u00e9 a diferen\u00e7a entre banca como servi\u00e7o (BaaS) e open banking ou banca aberta?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A principal diferen\u00e7a entre&nbsp;<a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/sage-com-pt-pt-produtos-sage-xrt-treasury-6\/\">open banking ou banca aberta<\/a>&nbsp;e banca como servi\u00e7o (BaaS) reside na&nbsp;<strong>forma como as APIs s\u00e3o utilizadas<\/strong>. Na banca como servi\u00e7o s\u00e3o utilizadas para&nbsp;<strong>aceder a funcionalidades banc\u00e1rias<\/strong>, tais como um cart\u00e3o de cr\u00e9dito de um estabelecimento comercial que necessita de comunicar com a conta associada num banco para que o pagamento possa ser efetuado. Enquanto a banca aberta utiliza as APIs para&nbsp;<strong>aceder aos dados dos clientes<\/strong>. Por exemplo, uma plataforma onde se podem ver as posi\u00e7\u00f5es ocupadas em v\u00e1rios bancos ou movimentos banc\u00e1rios.<\/p>\n\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Open Banking<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Quais as oportunidades para os gestores financeiros?<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-68ea0513-84d1-4cd0-bae9-3a09703359b2\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\tid=\"cta-id-6206\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-button-location=\"cta_box\"\n\t\t\t\t\t\t\t\t\t\t\t>Download Gratuito<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1213\" height=\"810\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2020\/12\/joshua-sortino-LqKhnDzSF-8-unsplash_Easy-Resize.com_-1213x810.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2020\/12\/joshua-sortino-LqKhnDzSF-8-unsplash_Easy-Resize.com_-1213x810.jpg 1213w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-o-que-e-uma-api\"><strong>O que \u00e9 uma API?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Uma API (<em>Application Programming Interfaces<\/em>) \u00e9 um conjunto de protocolos, comandos, fun\u00e7\u00f5es e ferramentas utilizadas pelos programadores. Facilita a <strong>comunica\u00e7\u00e3o e a intera\u00e7\u00e3o entre as diferentes aplica\u00e7\u00f5es de <em>software<\/em><\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As APIs facilitam o trabalho dos programadores porque n\u00e3o t\u00eam de escrever c\u00f3digo do zero, mas podem utilizar fun\u00e7\u00f5es predefinidas nas suas intera\u00e7\u00f5es com outros programadores.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Os bancos que optam pelo BaaS t\u00eam de fornecer um conjunto de <strong>APIs abertas<\/strong> que permitem \u00e0s empresas oferecer produtos financeiros sem fazer parte da ind\u00fastria banc\u00e1ria.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por exemplo, as APIs podem ser utilizadas para verificar se os dados banc\u00e1rios est\u00e3o corretos quando se fazem compras online.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-como-funciona-o-banking-as-a-service-baas\"><strong>Como funciona o Banking as a Service (BaaS)?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">De seguida damos uma vista de olhos sobre como funciona o Banking as a Service:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Os <strong>bancos autorizados a operar todos os tipos de servi\u00e7os financeiros<\/strong> regulamentados abrem os seus dados e tecnologia a empresas como as fintech.<\/li>\n\n\n\n<li>Um <strong>terceiro fornecedor (TPP), uma empresa fintech, um banco digital<\/strong> ou outro neg\u00f3cio n\u00e3o banc\u00e1rio, paga a uma entidade banc\u00e1ria uma taxa para aceder aos sistemas e ferramentas do banco.<\/li>\n\n\n\n<li>Gra\u00e7as a esta abertura, estas empresas podem aceder \u00e0 API do banco e oferecer servi\u00e7os financeiros online atrav\u00e9s do site da fintech ou de outra empresa, em vez de terem de aceder ao site do banco. Al\u00e9m disso, podem tamb\u00e9m <strong>integrar tecnologia de servi\u00e7os financeiros<\/strong> nos seus produtos e servi\u00e7os.<\/li>\n\n\n\n<li>Ap\u00f3s a <strong>integra\u00e7\u00e3o com o banco licenciado<\/strong>, a empresa pode fornecer servi\u00e7os como contas correntes e de poupan\u00e7a, pagamento de contas, transfer\u00eancias de contas, gest\u00e3o de contas, cart\u00f5es de cr\u00e9dito e servi\u00e7os de empr\u00e9stimo online.<\/li>\n\n\n\n<li>Ao alinharem-se com os bancos licenciados, os fornecedores n\u00e3o banc\u00e1rios, fintech ou fornecedores terceiros est\u00e3o posicionados para <strong>criar novos produtos e servi\u00e7os<\/strong>, para al\u00e9m dos seus servi\u00e7os comerciais regulares.<\/li>\n\n\n\n<li>Os clientes podem realizar <strong>atividades banc\u00e1rias atrav\u00e9s do website ou da aplica\u00e7\u00e3o m\u00f3vel<\/strong> de um neg\u00f3cio n\u00e3o banc\u00e1rio que conhecem e em que confiam sem passar por um banco, melhorando assim as experi\u00eancias financeiras digitais dos clientes. Isto \u00e9 conseguido atrav\u00e9s da oferta de servi\u00e7os financeiros personalizados que s\u00e3o f\u00e1ceis de utilizar e proporcionam uma experi\u00eancia satisfat\u00f3ria para o utilizador.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">O Banking as a Service permite que fornecedores terceiros disponibilizem ofertas diferentes aos utilizadores de uma forma segura.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gra\u00e7as a aplica\u00e7\u00f5es como o <a href=\"https:\/\/www.sage.com\/pt-pt\/produtos\/sage-xrt-advanced\/\">Sage XRT<\/a>, que facilitam a gest\u00e3o da tesouraria e a conectividade com os bancos, \u00e9 mais f\u00e1cil importar os seus extratos banc\u00e1rios e transmitir as suas remessas de pagamento e cobran\u00e7a.<\/p>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 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48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n<section class=\"more-topics alignfull has-grey-light-background-color wp-block-sage-post-topics\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col col-12 col-lg-4\">\n\t\t\t\t<h3 class=\"more-topics__title h2\">Saiba mais sobre os t\u00f3picos mencionados neste artigo<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"col col-12 col-lg-8\">\n\t\t\t\t<ul class=\"post-tags__list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/tag\/tecnologia\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tTecnologia\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<div class=\"alignfull wp-block-sage-related-posts\">\n\t<section class=\"related-posts card-grid has-dark-background-color\">\n\t<div class=\"container\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--featured h1\">Aprofunde o seu conhecimento<\/h2>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"row related-posts__featured\">\n\t\t\t\t<div class=\"col card-grid__item\">\n\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-0 post-6006 post type-post status-publish format-standard has-post-thumbnail hentry category-tecnologia-e-inovacao tag-erp tag-inteligencia-artificial tag-tecnologia business_type-medias-empresas industry-alimentar industry-automovel industry-construcao industry-distribuicao industry-e-commerce industry-retalho industry-entretenimento industry-producao industry-quimica industry-servicos industry-servicos-financeiros industry-tecnologia industry-viagens-e-hotelaria card-post--is-clickable\"\n>\n\t<div class=\"card-post__media-wrapper\">\n\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1215\" height=\"810\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2020\/08\/BrandShoot-UK_Apr2026_Midsize-Discrete-Manufacturing_2140-LOW-1215x810.jpg\" class=\"card-post__image\" alt=\"Pessoa a conversar com um colega durante uma reuni\u00e3o no escrit\u00f3rio, gesticulando enquanto partilha ideias num ambiente de trabalho colaborativo.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2020\/08\/BrandShoot-UK_Apr2026_Midsize-Discrete-Manufacturing_2140-LOW-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2020\/08\/BrandShoot-UK_Apr2026_Midsize-Discrete-Manufacturing_2140-LOW-768x512.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2020\/08\/BrandShoot-UK_Apr2026_Midsize-Discrete-Manufacturing_2140-LOW-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"card-post__content\">\n\t\t\t\t\t<div class=\"card-post__label\">Recomendado<\/div>\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-09-25T11:56:55+01:00\">Setembro 25, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">14 minutos de leitura<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h3\">\n\t\t\t\t\t\t\t<a\n\t\t\t\t\tclass=\"card-post__title-link\"\n\t\t\t\t\thref=\"https:\/\/www.sage.com\/pt-pt\/blog\/como-aumentar-a-produtividade-do-erp\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tComo aumentar a produtividade do ERP e tirar mais partido do sistema\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\n\t\t\n\t\t\t\t\t<p class=\"card-post__description\">\n\t\t\t\tSaiba como aumentar a produtividade do ERP atrav\u00e9s de melhor utiliza\u00e7\u00e3o, automa\u00e7\u00e3o, integra\u00e7\u00f5es, IA, qualidade dos dados e informa\u00e7\u00e3o em tempo real.\t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">Artigos mais recentes<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-5903 post type-post status-publish format-standard has-post-thumbnail hentry category-dinheiro-e-poupanca category-tecnologia-e-inovacao tag-empresas tag-estrategia tag-tecnologia tag-tomar-decisoes-financeiras business_type-medias-empresas industry-alimentar industry-automovel industry-construcao industry-distribuicao industry-e-commerce industry-retalho industry-entretenimento industry-producao industry-quimica industry-sem-fins-lucrativos industry-servicos industry-servicos-financeiros industry-tecnologia industry-viagens-e-hotelaria\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/pt-pt\/blog\/tesouraria-corporativa-centralizar-liquidez\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-521696036-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-521696036-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-521696036-768x432.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-521696036-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-09-24T08:39:01+01:00\">Setembro 24, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">7 minutos de leitura<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tTesouraria corporativa: como centralizar liquidez, bancos, pagamentos e risco financeiro\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-7833 post type-post status-publish format-standard has-post-thumbnail hentry category-crescimento-de-negocio-e-clientes tag-tecnologia business_type-medias-empresas industry-tecnologia\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/pt-pt\/blog\/a-digitalizacao-do-setor-logistico\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1318358062-684x384.jpg\" class=\"card-post__image\" alt=\"Pessoa sentada numa mesa com um port\u00e1til aberto, rodeada por caixas e prateleiras num armaz\u00e9m. No fundo, v\u00eaem-se trabalhadores com coletes de alta visibilidade a movimentar mercadorias.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1318358062-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1318358062-768x432.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-1318358062-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-09-18T13:23:50+01:00\">Setembro 18, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">12 minutos de leitura<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tA digitaliza\u00e7\u00e3o do setor log\u00edstico\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-14188 post type-post status-publish format-standard has-post-thumbnail hentry category-tecnologia-e-inovacao tag-tecnologia business_type-pequenas-empresas business_type-medias-empresas\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/pt-pt\/blog\/transicao-digital-e-reporting-esg\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1483132604-684x384.jpg\" class=\"card-post__image\" alt=\"Uma jovem mulher a trabalhar, revisando documentos em sua mesa.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1483132604-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1483132604-768x512.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1483132604-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-09-10T12:02:57+01:00\">Setembro 10, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">7 minutos de leitura<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tTransi\u00e7\u00e3o digital e reporting ESG: como a tecnologia de gest\u00e3o capacita as PME a acederem a financiamento sustent\u00e1vel\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-14143 post type-post status-publish format-standard has-post-thumbnail hentry category-tecnologia-e-inovacao tag-inteligencia-artificial tag-recursos-humanos tag-tecnologia business_type-pequenas-empresas business_type-medias-empresas business_type-contabilistas\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/pt-pt\/blog\/ai-act-formacao-inteligencia-artificial-empresas\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2026\/09\/BrandShoot-UK_Apr2026_Small-Restaurant_4136-684x384.jpg\" class=\"card-post__image\" alt=\"Pessoa sentada em frente a um computador port\u00e1til a conversar com outra pessoa numa mesa de um estabelecimento de restaura\u00e7\u00e3o, com documentos e materiais de trabalho sobre a mesa.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2026\/09\/BrandShoot-UK_Apr2026_Small-Restaurant_4136-684x384.jpg 684w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2026\/09\/BrandShoot-UK_Apr2026_Small-Restaurant_4136-768x512.jpg 768w, https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2026\/09\/BrandShoot-UK_Apr2026_Small-Restaurant_4136-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-09-08T08:53:56+01:00\">Setembro 8, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">8 minutos de leitura<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tAI Act: que empresas devem formar os seus trabalhadores em IA e como faz\u00ea-lo\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>O Banking-as-a-Service (BaaS) \u00e9 um modelo de servi\u00e7o financeiro que se est\u00e1 a desenvolver a uma velocidade vertiginosa, tal como o open banking ou a banca aberta.<\/p>\n","protected":false},"author":356,"featured_media":7447,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_is_cornerstone":"","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","_yoast_wpseo_schema_page_type":"","_yoast_wpseo_schema_article_type":"","_sage_video":false,"_yoast_wpseo_focuskeywords":"","_yoast_wpseo_keywordsynonyms":"","_yoast_wpseo_primary_category":"18","post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"_pwl_sage_podcast_buzzsprout_src":"","footnotes":""},"categories":[18],"tags":[223],"business_type":[3],"context":[],"industry":[130,126],"persona":[46,43,47,44],"imagine_tag":[165],"coauthors":[489],"class_list":["post-8594","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tecnologia-e-inovacao","tag-tecnologia","business_type-medias-empresas","industry-servicos","industry-servicos-financeiros"],"sage_meta":{"region":"pt-pt","author_name":"Asavin Wattanajantra","featured_image":"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2022\/04\/GettyImages-909599970.jpg","imagine_tags":{"165":"Tecnologia e Inova\u00e7\u00e3o"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice Portugal","distributor_original_site_url":"https:\/\/www.sage.com\/pt-pt\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/posts\/8594","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/users\/356"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/comments?post=8594"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/posts\/8594\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/media\/7447"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/media?parent=8594"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/categories?post=8594"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/tags?post=8594"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/business_type?post=8594"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/context?post=8594"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/industry?post=8594"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/persona?post=8594"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/imagine_tag?post=8594"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/coauthors?post=8594"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}