New trends in payment and money

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Over the past few years, we have witnessed the beginning of a major revolution in the means of payment. Today, people can easily withold money in digital format, through their cell phones. They can also send money instantly over the Internet, anywhere in the world, even without a bank account.

New forms of money are also appearing. Even some Central Banks actively consider issuing their own digital currencies. In a way, digitization is changing its own money.

Technological changes have many potential consequences on the use of money, financial inclusion, international payments and even banks' business models and strategies.

In this report, you will find an in-depth analysis of these developments, as well as their implications for banks, the financial system and public authorities.


Jean-Pierre Landau 

Associate Professor of Economics

Sciences Po - Paris 

Former senior official of the Treasury and Central Bank of France, he has served as Deputy Governor of the Banque de France, undersecretary of the Minister of Finance in Paris and Executive Director for France at the International Monetary Fund (IMF), the World Bank (Washington, DC) and the European Bank for Reconstruction and Development (London). In his different roles, he was a member of the Board of Directors of the Bank for International Settlements (BIS) in Basel, Deputy of the G7 and G20 and member of the Financial Stability Board (FSB) and its Steering Committee.

Nana Baffour

CEO, Chairman & Chief Culture


Mr. Baffour has a proven track record in innovation inspired growth and creating shareholder value. He is a global management executive with hands on operating experience in companies across the globe. Mr. Baffour has a B.A. in Economics from Lawrence University, an

M.S. in Economics from University of North Carolina and an MBA from New York University’s Stern School of Business.

Mr. Baffour also attended the London Business School and is a Chartered Financial Analyst (CFA®️).

Breno Barros

Chief Marketing and Innovation

Officer at Qintess

With over 16 years of experience in technology and innovation, Mr. Barros has Graduated in Computer Science and Marketing, Post-graduated in Digital Media, PostMBA in Future and Trend, and Specializations by Insead, Harvard and Singularity. He is also an MBA Professor in Digital Business at FIAP and an innovation instructor at TurnVision.

Alessandra Martins

Executive Director at Qintess

Alessandra Martins is graduated in computer systems with a master’s degree in statistics from Unicamp. She made a career in technology with a focus on the financial sector and has been following the banking industry for the past 20 years through the development of new solutions. Recently completed a specialization in Fintech at Oxford University. She is passionate about the theme and seeks to act on the theme of sustainable

capitalism through financial inclusion in Brazil.

Paulo Moreira

Public Sector Director at Qintess

Paulo Moreira has over 24 years of experience in Information and Communication Technology, holds a degree in Electrical Engineering from the Federal University of Goiás and an MBA in Quality Management from the Getúlio Vargas Foundation. He made a career in the commercial area with a focus on the public sector, specially in financial institutions, where for the past 21 years he has worked on the development of technological solutions for the financial system, dedicating himself to technological changes, trends and the digital revolution in the sector.

About Qintess

Qintess brings together experience in strategy, innovation, design, and technology to position itself as a leader in digital transformation. By developing innovative capabilities with emerging technologies, Qintess supports clients on their journeys towards sustainable business growth. Obsessed with innovation and agile decision making, innovative teams accelerate the delivery of solutions for various business challenges, generating value for customers, their employees, shareholders and for society. All actions are structured by ESG best practices, running with a genuine concern for people as well as the communities engaged with Qintess.

Qintess has approximately 3,200 employees and more than 2,000 customers, with operations in Brazil, Chile, Colombia, the United States and EMEA. Qintess' main clients include seven of the top ten financial institutions in the world, eight of the top ten utilities companies in Brazil and two of the country's three largest telecommunications companies.

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