Strategic presence at Febraban Tech 2025
Between June 10th and 12th, São Paulo hosted the 35th edition of Febraban Tech, bringing together thousands of professionals and leaders from the financial sector to discuss the direction of innovation. 4Matt Tecnologia da Informação was present from the first day of the event, which had as its central theme “The acceleration of the financial sector in the age of intelligence”.
THE Artificial Intelligence (AI) — especially generative AI — dominated discussions, positioning itself as the main driver of innovation and productivity gains in financial institutions.
Data and investments that drive transformation
According to research released by Febraban, more than 80% of Brazilian banks have already adopted Generative AI, registering average efficiency gains of 11.4% — with a third reporting earnings above 20%.
The sector's investment follows this transformation: the IT budget must reach R$ 47.8 billion in 2025, with AI ranking among the highest priorities.
Practical cases and focus on governance at Febraban Tech 2025
Leaders like Marcelo Noronha, CEO of Bradesco, highlighted initiatives such as the BIA GenAI assistant, a new AI-based digital chat, and the internal “Bridge” platform, with more than 200 generative AI applications. Productivity gains reach 50% in some sectors of the bank.
At the same time, leaders reinforced the importance of governance and responsible use of AI. Milton Maluhy, CEO of Itaú Unibanco, warned: “Having cutting-edge AI is essential, but if you don’t have data, know-how and governance, you can’t deliver real value.”
4Matt's vision: AI with governance and integration
Marcelo Theophilo, 4MATT Service Director:
“It is clear how the adoption of technologies such as generative AI and automation platforms are transforming the financial sector. But the big difference lies in how these technologies are implemented — with governance, customer focus and intelligent integration into internal processes. At 4Matt, we have seen how well-orchestrated solutions in ServiceNow drive concrete productivity and compliance results in the institutions we work with.”
Open Finance: accelerated growth and new goals
O Central Bank announced that credit portability via Open Finance will be made viable in February 2026. Today, the ecosystem already has 62 million active consents, growth of 44% in one year.
Culture, personalization and productivity
Digital transformation goes beyond technology. Mario Lion, president of Santander, and Tarciana Medeiros, president of Banco do Brasil, highlighted the cultural change and the personalizing customer experience as critical factors for the success of innovation.
Marcelo Theophilo, 4MATT Service Director:
“Our job is precisely to make this transformation possible in a safe and effective manner. 4Matt’s experience in CMDB and ITAM governance projects has shown that, by aligning technology with internal restructuring, it is possible to achieve unprecedented levels of control and operational agility.”
Conclusion: technology, structure and collaboration
With a strong presence in topics such as AI, intelligent automation, data governance and operational efficiency, 4Matt reaffirms its position as strategic partner for financial institutions who seek to scale innovation safely and with a focus on results.
Marcelo Theophilo, 4MATT Service Director:
“This combination of cutting-edge technology with internal reorganization and collaboration with technology companies promises to shape the direction of the sector in the coming years, keeping Brazilian financial institutions at the forefront of the world, competitive and focused on delivering more value to customers.”